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Updated: December 2, 2024

2025 Mortgage Loan Limits: Mecklenburg County, North Carolina

Property Type2025 Loan Limit
1-Unit Homes$806,500
2-Unit Homes$1,032,650
3-Unit Homes$1,248,150
4-Unit Homes$1,551,250

Source: Federal Housing Finance Agency; Federal Housing Administration

Mecklenburg County, North Carolina, mortgage loan limits apply in:

Mecklenburg County 2025 mortgage loan limits include the following cities: Charlotte, Cornelius, Huntersville, Matthews, Pineville

Historical Charts: Mortgage Loan Limits in Mecklenburg County, North Carolina

Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Mecklenburg County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.

Mortgage Statistics from Mecklenburg County, North Carolina

Mortgage statistics for Mecklenburg County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.

MortgagesTotal
Purchase Mortgages (2018-2023)92827
Loan TypeRelative Share
Conventional84.66%
FHA10.65%
VA4.63%
USDA0.06%
Property TypeRelative Share
1-Unit Homes99.75%
2-Unit Homes0.21%
3-Unit Homes0.01%
4-Unit Homes0.02%
Borrower StatusRelative Share
One Applicant62.45%
Two or More Applicants37.55%
GenderRelative Share
Male35.73%
Female26.35%
Joint Sex31.83%
Not Available6.09%
RaceRelative Share
American Indian / Alaska Native0.27%
Asian9.02%
Black / African American15.51%
Native Hawaiian / Other Pacific Islander0.12%
White58.45%
Mixed Race2.34%
Other Race14.29%
EthnicityRelative Share
Hispanic or Latino8.67%
Not Hispanic or Latino75.96%
Joint Ethnicity2.01%
Other Ethnicity13.36%

Mecklenburg County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits Near Mecklenburg County, North Carolina

Get 2025 conforming and FHA mortgage loan limits for the areas surrounding Mecklenburg County, North Carolina. Local loan limits and county-level mortgage data updated regularly.

View Nearby Counties:

Cabarrus County

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Iredell County

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Lincoln County

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Lancaster County

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