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10 Best Mortgage Lenders in Charlotte, NC in 2025
Buying a home in Charlotte’s fast-growing market isn’t just about finding the right house—it’s about having the right lender by your side. With competitive neighborhoods, rising demand, and interest rates that can shift overnight, choosing a mortgage partner who understands both the numbers and the local market is essential. The best lenders don’t just process paperwork—they guide you through one of life’s biggest investments with clear communication, reliable service, and loan options that fit your unique needs.
In this guide, we’re spotlighting ten of Charlotte’s top mortgage lenders for 2025. These companies and loan officers have earned a reputation for helping buyers secure great rates, close on time, and feel confident every step of the way. Whether you’re a first-time homebuyer, a military family looking for a VA loan, or a seasoned investor seeking a jumbo mortgage, these lenders are trusted by Charlotte homeowners year after year.
🔑 KEY TAKEAWAYS
When Charlotte homebuyers talk about mortgage professionals they can count on, Mark McDonald from Atlantic Bay Mortgage Group is one of the first names to come up. Known for his straightforward guidance, quick response times, and genuine care for clients, Mark has built a reputation as a loan officer who takes the stress out of financing a home. Whether you’re a first-time buyer navigating your very first mortgage or a seasoned homeowner refinancing for better terms, Mark makes sure the process feels smooth, clear, and manageable from start to finish.
Mark isn’t just about getting you approved, though. He’s passionate about finding the loan that truly fits your life and goals — whether that means a low down payment option, a VA loan for military families, or a competitive jumbo loan for luxury buyers. His clients consistently mention how much they appreciate his ability to explain complex terms in plain English, his transparency with rates and fees, and his commitment to making sure there are no surprises at closing.
Backed by the trusted reputation of Atlantic Bay Mortgage Group, Mark brings both local Charlotte expertise and the support of a strong national lender. Clients know they’re not just working with a loan officer, but with a partner who values honesty, efficiency, and long-term financial success.
If you want a mortgage professional who combines industry know-how with genuine care for people, Mark McDonald is a standout choice in Charlotte’s competitive housing market.
🔑 Key Takeaways
Trusted expertise in Charlotte mortgages — from first-time buyers to refinances
Personalized guidance on loan programs that match your goals
Clear, pressure-free communication with no hidden surprises
Strong backing of Atlantic Bay Mortgage Group for smooth, reliable closings
How to Choose the Right Loan Officer
Choosing the right mortgage lender isn’t just about who offers the lowest rate on paper — it’s about working with someone who listens, explains, and advocates for your best interests. A great loan officer:
Takes the time to understand your financial goals and match you with the right loan
Communicates in a way that makes you feel informed, not overwhelmed
Has a track record of on-time closings and responsive service
Works with a reputable lending institution that supports a smooth process
In a fast-moving market like Charlotte, you want a lender who can act quickly without cutting corners. With Mark McDonald and Atlantic Bay Mortgage Group, you’re getting a professional who not only helps you secure financing but also makes sure you feel confident every step of the way.
#1 Mark A. McDonald - Atlantic Bay
Website: atlanticbay.com | Phone#: 954-826-9655 | Email: MarkMcDonald@AtlanticBay.com
With nearly three decades of experience in real estate and mortgage lending, Mark McDonald of Atlantic Bay Mortgage Group brings unmatched expertise to the industry. Licensed across multiple states, Mark is well-versed in loan products—from jumbo lending to first-time homebuyer programs—making him a trusted resource for clients with diverse needs. As a renovation specialist and house hacking coach, he goes beyond traditional lending to help clients maximize their investment potential.
Before entering the mortgage industry, Mark spent more than seven years as a top-producing real estate agent in Michigan. That experience gives him a unique advantage: he understands the homebuying process from start to finish. Now based in Charlotte, North Carolina, Mark has successfully recruited and mentored over 100 branch managers and loan officers, collectively generating more than $1 billion in annual fundings. His leadership emphasizes value, motivation, and culture-building, setting him apart as a Producing Branch Manager and industry leader.
Beyond his professional success, Mark is dedicated to relationships and community. With a sphere of more than 23,500 realtors, along with hundreds of CPAs and financial advisors, he is highly connected within the mortgage, fintech, and real estate industries. Mark is also a family man, married to his wife Jennifer for 28 years and a proud father of four. Known for leveraging lead-generation platforms and cultivating high-level partnerships, Mark thrives on helping others succeed while guiding clients through one of the most important financial decisions of their lives.
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Table of Contents
KEY TAKEAWAYS
Mark A. McDonald - Atlantic Bay
Antonio Williams - Guild Mortgage
Jeff Muth - Mecklenburg Mortgage
Erik Tutor - Truist Mortgage
Adam Workman - Crosscountry Mortgage
Liz Gupton - Fifth Third Bank
Bryan Maddex - Coast2Coast Mortgage
Rebecca Richardson
Brad Roche - The Mortgage Planner
Bernie Rebollar
Final Thoughts
#2 Antonio Williams - Guild Mortgage
Website: guildmortgage.com | Phone#: 704-619-3313
Antonio Williams is a proud Charlotte native who has turned his deep roots in the Queen City into a thriving career in the mortgage industry. With years of hands-on experience, he has developed a sharp understanding of the North and South Carolina housing markets and the unique needs of local buyers. His background and hometown perspective give clients confidence that they’re working with someone who not only knows the numbers but also truly understands the community and lifestyle they’re investing in.
Known for his creativity and client-first mindset, Antonio takes an innovative approach to every loan. He tailors strategies to fit each borrower—whether that means guiding first-time homebuyers, helping families upgrade to their dream home, supporting empty-nesters ready to downsize, or structuring financing for seasoned investors. His professionalism, dedication, and commitment to excellence have earned him a reputation as a trusted mortgage loan officer and one of the Carolinas’ most sought-after lending professionals.
#3 Jeff Muth - Mecklenburg Mortgage
Website: mecklenburgmortgage.com | Phone#: 704-619-3313 | Email: jnorman@mutualmortgage.com
Roby Services is a well-known name in Charlotte for their all-in-one home service approach, and their HVAC department is one of the city’s most trusted. They offer everything from emergency heating and cooling repairs to new system installations with the same commitment to quality and reliability. One thing that sets Roby apart is their ability to handle multi-service needs—so if you need HVAC work along with electrical or plumbing assistance, they can coordinate it all under one roof. Their HVAC technicians are fully licensed, thoroughly trained, and equipped to work on a wide range of brands and systems.
In addition to repair work, Roby Services provides preventive maintenance programs, ductwork inspections, and indoor air quality solutions to help keep your home’s climate comfortable and healthy year-round. Customers appreciate their prompt scheduling, respectful communication, and attention to detail on every job. With decades of experience in the Charlotte area, Roby Services has become a go-to choice for homeowners who want trusted professionals handling their HVAC needs from start to finish.
#4 Erik Tutor - Truist Mortgage
Website: truist.com | Phone#: 704-604-1107 | Email: erik.tutor@truist.com
Erik Tutor, a trusted advisor with Truist Mortgage, brings over 19 years of industry experience and a proven track record in originating both purchase and refinance home loans. Known for his client-focused approach, Erik believes there’s no “one size fits all” loan—each borrower’s financial goals are unique. He takes the time to listen, learn, and understand his clients’ needs, offering tailored solutions that empower them to make confident home financing decisions. His philosophy is simple: when my clients win, we all win.
With a reputation built on honesty, integrity, and exceptional service, Erik makes transparency a priority, ensuring borrowers understand their capabilities and options from start to finish. His passion for “home” drives everything he does, whether he’s helping a first-time buyer achieve their dream of ownership or guiding an experienced homeowner through a refinance. By combining professional expertise with genuine care, Erik continues to build better lives and stronger communities across Charlotte as one of the area’s most respected mortgage loan officers
#5 Adam Workman - Crosscountry Mortgage
Website: crosscountrymortgage.com | Phone#: 704-604-4020
Adam Workman, Regional Vice President at CrossCountry Mortgage, Inc., has been a driving force in the mortgage industry since 2005. Based in Charlotte, NC, Adam has held leadership roles including VP of Operations, Director of Sales, Branch Manager, and Loan Officer, bringing a wealth of expertise to every aspect of the lending process. Today, he is focused on building one of the largest mortgage branches near Uptown Charlotte, providing the training, support, and tools that both mortgage and real estate professionals need to succeed.
Known for his leadership, industry knowledge, and commitment to excellence, Adam pairs his professional success with a personal passion for family, faith, and the outdoors. His philosophy is rooted in balance—combining hard work with the things that matter most in life. Through CrossCountry Mortgage’s nationwide platform, Adam helps clients secure the right financing solutions while supporting his team in delivering exceptional service. His dedication to both clients and colleagues has made him a trusted leader in Charlotte’s mortgage market.
#6 Liz Gupton - Fifth Third Bank
Website: mortgageadvisors.com | Phone#: 704-688-4328
Liz Gupton, Mortgage Loan Originator at Fifth Third Bank, has built her career on a passion for helping clients achieve the dream of homeownership. With access to a wide variety of mortgage options, she ensures each borrower finds the loan that fits their unique financial needs. Backed by Fifth Third’s competitive rates and flexible terms, Liz provides solutions that make home financing both accessible and stress-free.
With over 34 years of experience in the mortgage industry, Liz brings unmatched expertise, professionalism, and a strong commitment to her clients. Beyond her career achievements, she is also an active member of the Charlotte community, giving her a deep understanding of local needs and market dynamics. Known for her dedication and client-first approach, Liz has become a trusted and respected mortgage professional who consistently delivers exceptional service.
#7 Bryan Maddex - Coast2Coast Mortgage
Website: coast2coastmortgage.com | Phone#: 704-246-3833| Email: bryan@bellomortgage.com
Bryan Maddex, Mortgage Broker with Coast2Coast Mortgage, has built an impressive career with over $1 billion in funded loans since he began lending in 1997. With 17 years in retail banking and 10 years in the mortgage industry, Bryan brings a rare combination of depth, versatility, and proven success to his clients. Ranked among the Top 1% of Loan Officers and Mortgage Brokers nationwide, he was most recently recognized in the Scotsman Guide Top 300 Mortgage Brokers in the U.S. (2024). With access to over 220+ lenders, Bryan offers his clients unmatched flexibility and loan options that fit nearly every financial situation.
Bryan specializes in a wide array of financing programs, including Fannie Mae/Freddie Mac, FHA, VA, USDA, jumbo loans, construction loans, renovation loans, HELOCs, and down payment assistance programs. For investors and business clients, he provides solutions like DSCR loans, fix & flip funding, ground-up construction loans, and commercial property financing. Known for his ability to structure creative financing and deliver results where others can’t, Bryan has become a go-to resource for both homeowners and real estate investors nationwide. His reputation for expertise, professionalism, and results-driven service makes him one of the most respected mortgage professionals in the country.
#8 Rebecca Richardson
Website: rebeccarichardson.com | Phone#: 980-505-6870 | Email: team@themortgagementor.com
Rebecca Richardson, known as the Mortgage Mentor, has become one of Charlotte’s most recognized and trusted mortgage loan officers. With years of experience helping families secure financing, she is widely respected for her ability to simplify complex mortgage processes and educate clients along the way. Rebecca’s approachable style and emphasis on clarity have earned her a loyal following, especially among first-time homebuyers who value her guidance and step-by-step support.
Beyond her reputation as a knowledgeable lender, Rebecca is also a sought-after voice in the industry, sharing tips and insights on home loans, credit, and financial planning through her educational platforms and social media. Her dedication to transparency, integrity, and client success has made her a go-to mortgage professional in Charlotte and beyond. Whether you’re buying your very first home or refinancing your forever home, Rebecca ensures that every client feels informed, empowered, and confident in their decisions.
#9 Brad Roche - The Mortgage Planner
Website: themortgageplanner.com | Phone#: (704) 728-0191
Brad Roche, widely known as “The Mortgage Planner,” has built a reputation as one of Charlotte’s leading mortgage loan officers. With decades of experience in the mortgage industry, Brad is recognized for his ability to strategically structure home loans that align with both short-term affordability and long-term financial goals. His personalized approach goes beyond simply securing a loan—he helps clients plan their mortgage as part of their overall financial picture, making him a trusted advisor for first-time buyers, move-up homeowners, and real estate investors alike.
As a nationally recognized industry leader and Top 1% Mortgage Originator, Brad has been featured in major mortgage rankings and is known for his commitment to education, transparency, and client success. Through his role as The Mortgage Planner, he has helped thousands of families achieve homeownership while building lasting relationships grounded in trust and service. Whether it’s navigating complex loan options or creating a plan to maximize equity, Brad’s expertise and client-first philosophy have made him a go-to mortgage professional in Charlotte and across the Carolinas.
#10 Bernie Rebollar
Website: grarate.com | Phone#: (980) 349-5626
Bernie Rebollar is a highly regarded Mortgage Loan Officer in Charlotte, NC, known for his commitment to helping clients navigate the home financing process with confidence and ease. With years of experience serving the North and South Carolina markets, Bernie has built a reputation for personalized service, clear communication, and reliable results. Whether guiding first-time buyers, families upgrading to a larger home, or seasoned investors, he takes the time to understand each client’s unique goals and crafts loan solutions that fit their needs.
Backed by a strong lending platform, Bernie specializes in a wide range of programs including conventional loans, FHA, VA, USDA, and refinancing options. Clients consistently praise him for his honesty, responsiveness, and dedication to making the mortgage process as smooth as possible. By blending local market knowledge with professional expertise, Bernie has become a trusted partner for Charlotte-area homeowners and real estate professionals alike.
Final Thoughts
Finding the right mortgage lender in Charlotte can feel overwhelming with so many options, but the key is choosing a professional who combines local expertise, transparency, and genuine care for clients. The loan officers and lenders highlighted here all bring something valuable to the table, whether it’s competitive rates, specialized loan programs, or decades of trusted experience.
Among them, Mark McDonald of Atlantic Bay Mortgage Group stands out as a highly recommended choice. Known for his honest guidance, responsive service, and ability to tailor loan solutions, Mark has earned the trust of countless Charlotte homebuyers. If you’re looking for a mortgage partner who will not only secure the right loan but also make the process smooth and stress-free, Mark McDonald is a name you can confidently put at the top of your list.
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