Same Day · Concord
Same-Day Mortgage Brokers in Concord, NC
Can't wait a week? These mortgage brokers in Concord offer same-day or next-day appointments. Call now to check availability.
As of June 2026, RatingsNearMe ranks 14 mortgage brokers in Concord, NC by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Novus Custom Mortgage Group- Concord with a 5.0-star rating from 297 Google reviews and an RNM Score of 100/100. Also in the top tier: Novus Custom Mortgage Group and The Knorr Group of ALCOVA Mortgage. The average rating across all listed mortgage brokers in Concord is 5 stars from 118 reviews per business on average.
Mortgage brokers in Concord: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Concord, North Carolina is home to a variety of mortgage brokers who can assist consumers with securing home loans. When searching for a local mortgage broker, consumers should consider factors such as experience, customer reviews, and the range of loan products offered.
- ✓Experienced mortgage brokers in Concord, NC
- ✓Variety of loan products available from local brokers
- ✓Importance of reviewing customer reviews and broker credentials
Best Overall
Empower Home Loans
Empower Home Loans is consistently ranked as the top mortgage broker in Concord, known for its excellent service and competitive offerings.
Most Reviewed
Empower Home Loans
Having the highest volume of reviews demonstrates broad customer experience and trust, making Empower Home Loans a reliable choice.
Consumers should compare multiple brokers, read reviews carefully, and ensure they understand all loan terms and fees before making a decision.
How to Choose a Mortgage Broker in Concord
What to look for
- • Experience and expertise in the Concord, NC mortgage market
- • Strong communication and customer service skills
- • Transparent fees and costs upfront
- • Ability to explain the mortgage process clearly
Questions to ask
- • How long have you been a mortgage broker in Concord, NC?
- • What types of loan programs do you typically work with?
- • Can you provide references from past Concord clients?
- • What is your process for finding the best loan options for my needs?
Red flags
- ⚠ Unwillingness to provide a detailed cost breakdown
- ⚠ Pressure to use specific lenders or loan programs
- ⚠ Lack of transparency about their experience and licensing
In North Carolina, mortgage brokers must be licensed by the North Carolina Commissioner of Banks. Be sure to verify the broker's license and check for any disciplinary actions or complaints.
Local Market Snapshot
14
Businesses listed
5★
Avg rating
118
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
Rated 5.0 stars from nearly 300 Google reviews, this Concord mortgage broker is highly trusted.
785 Davidson Dr NW, Concord, NC 28025, USAConcord's top-rated mortgage broker with a flawless 5.0★ rating from over 640 reviews.
1320 Matthews Township Pkwy Ste 200, Matthews, NC 28105, USAConcord’s top-rated mortgage broker with a perfect 5.0★ score from 237 reviews.
1448 N Main St, Mt Pleasant, NC 28124, USAMortgage Brokers Rankings in Concord, NC
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Novus Custom Mortgage Group- Concord785 Davidson Dr NW, Concord, NC 28025, USA | 5.0★ | 297 |
| #2 | Novus Custom Mortgage Group1320 Matthews Township Pkwy Ste 200, Matthews, NC 28105, USA | 5.0★ | 641 |
| #3 | The Knorr Group of ALCOVA Mortgage1448 N Main St, Mt Pleasant, NC 28124, USA | 5.0★ | 237 |
| #4 | Empower Home Loans78 Buffalo Ave NW Ste 202, Concord, NC 28025, USA | 4.7★ | 15 |
| #5 | Bruce Lawing | Novus Home Mortgage Branch Manager845 Church St N # 310, Concord, NC 28025, USA | 4.9★ | 10 |
| #6 | The Gilmore Team | Novus Home Mortgage785 Davidson Dr NW, Concord, NC 28025, USA | 5.0★ | 9 |
| #7 | Terry Whitesell | Novus Home Mortgage Sales Manager845 Church St N # 310, Concord, NC 28025, USA | 5.0★ | 50 |
| #8 | CTR Mortgage Brokers14120 Ballantyne Corporate Pl #350, Charlotte, NC 28277, USA | 5.0★ | 48 |
| #9 | Smart Mortgage2315 W Arbors Dr, Charlotte, NC 28262, USA | 5.0★ | 17 |
| #10 | Fairway Home Mortgage148 E Charles St, Matthews, NC 28105, USA | 5.0★ | 208 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Concord
Consistently rated 4.7 stars from over a dozen local customer reviews.
78 Buffalo Ave NW Ste 202, Concord, NC 28025, USA
Rated 4.9 stars from 10 Google reviews, reflecting exceptional local client satisfaction.
845 Church St N # 310, Concord, NC 28025, USA
Concord mortgage broker rated 5.0 stars from 9 Google reviews.
785 Davidson Dr NW, Concord, NC 28025, USA
Concord’s top-rated mortgage broker with 5.0 stars from 50 Google reviews.
845 Church St N # 310, Concord, NC 28025, USA
Rated 5.0 stars from 48 Google reviews by local clients in Concord.
14120 Ballantyne Corporate Pl #350, Charlotte, NC 28277, USA
5.0 stars from 17 reviews for this Concord mortgage broker.
2315 W Arbors Dr, Charlotte, NC 28262, USA
Top-rated Concord mortgage broker with 5.0 stars from 208 Google reviews.
148 E Charles St, Matthews, NC 28105, USA
Concord's top-rated mortgage broker with a perfect 5.0-star score from 15 reviews.
1028 Lee-Ann Dr NE #216, Concord, NC 28025, USA
Exceptional 5.0-star rating from 25 Google reviews in Concord, NC.
41 Union St S Suite B, Concord, NC 28025, USA
Rated 5.0 stars from 61 Google reviews, this Concord mortgage broker is highly trusted.
10130 Mallard Creek Rd #300, Charlotte, NC 28262, USA
Concord mortgage broker with a perfect 5.0-star rating from 20 Google reviews.
845 Church St N # 310, Concord, NC 28025, USA
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Mortgage Brokers in Concord, NC — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Novus Custom Mortgage Group- Concord | 100/100 | 5.0 ★ | 297 |
| 2 | Novus Custom Mortgage Group | 88/100 | 5.0 ★ | 641 |
| 3 | The Knorr Group of ALCOVA Mortgage | 88/100 | 5.0 ★ | 237 |
| 4 | Empower Home Loans | 80/100 | 4.7 ★ | 15 |
| 5 | Bruce Lawing | Novus Home Mortgage Branch Manager | 81/100 | 4.9 ★ | 10 |
| 6 | The Gilmore Team | Novus Home Mortgage | 83/100 | 5.0 ★ | 9 |
| 7 | Terry Whitesell | Novus Home Mortgage Sales Manager | 91/100 | 5.0 ★ | 50 |
| 8 | CTR Mortgage Brokers | 79/100 | 5.0 ★ | 48 |
| 9 | Smart Mortgage | 74/100 | 5.0 ★ | 17 |
| 10 | Fairway Home Mortgage | 87/100 | 5.0 ★ | 208 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Mortgage Brokers in Concord
What does a mortgage broker do differently than going directly to a bank in Concord?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Concord?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in NC?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: June 10, 2026.
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