Patriot Financial, Inc. Reviews
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About Patriot Financial, Inc.
Patriot Financial (NMLS #1642) offers conventional, government-backed and jumbo loans in 13 states and Washington, D.C. Patriot Financial was founded in 2005 and is headquartered in Cary, North Carolina.
Visit www.patfinancial.com- Wide variety of home loans
- Publishes rates online
- Transparent about loan requirements
- Only available in 13 states
Patriot Financial rates
Patriot Financial publishes its current rates for loans on its website. The table below shows selected rates for conventional and government-backed loans. All annual percentage rates (APRs) are accurate as of April 15, 2026.
| Loan type | APR |
|---|---|
| Conventional 30-year fixed | 6.090% to 6.682% |
| Conventional 20-year fixed | 6.005% to 6.574% |
| Conventional 15-year fixed | 5.551% to 5.965% |
| VA 30-year fixed | 5.681% to 6.423% |
| FHA 30-year fixed | 5.681% to 6.423% |
| USDA 30-year fixed | 5.681% to 6.423% |
For the most accurate rates based on your situation, it’s best to contact Patriot Financial or get prequalified using its quote form, which won’t impact your credit score. Generally, mortgage rates vary based on your credit history, the type of loan, the loan amount, your down payment and the loan term.
Patriot Financial loan types
Patriot Financial offers fixed-rate and adjustable-rate mortgages (ARMs). Its mortgage products include:
- Conventional loans
- Federal Housing Administration (FHA) loans
- U.S. Department of Veterans Affairs (VA) loans
- Jumbo loans
It also offers first-time homebuyer loans and rate- and term-based refinancing. While it lists U.S. Department of Agriculture (USDA) loans on its rate page, it doesn’t appear to currently offer USDA loans.
Patriot Financial loan maximum
The maximum loan you can get through Patriot Financial is $3 million through a jumbo loan. In general, the maximum loan you can get depends on the type of loan you apply for and your financial qualifications.
Patriot Financial requirements
Patriot Financial discloses some of its requirements for its mortgages, including some of its minimum credit score and down payment requirements. It also recommends certain debt-to-income (DTI) ratios.
| Loan type | Credit score | Minimum down payment | Maximum DTI ratio |
|---|---|---|---|
| Conventional loan | 620 | 3% to 5% | Not disclosed |
| VA loan | Not disclosed, typically 620 | 0% | Not disclosed |
| FHA loan | 580 | 3.5% | 56% |
| Jumbo loan | 680 to 700 | Usually 20% | Usually 43% |
Patriot Financial application process
Patriot Financial’s application can be completed online, though you might also be able to complete an application by phone or in person at its office in Cary, North Carolina. When filling out an application, be prepared to provide information about your income and assets so that Patriot Financial can determine how much you can borrow.
Patriot Financial states that its average closing time is 14 days.
Patriot Financial application features
The table below shows some of Patriot Financial’s application process features:
| Features | Availability |
|---|---|
| Online application | |
| Mobile document upload | |
| Publishes rates online | |
| Offers rate lock | |
| Offers prequalification (no hard credit check) | |
| Certified approval letter | |
| State availabiity | 13 |
| Number of branches | 1 |
Patriot Financial costs and fees
Patriot Financial doesn’t disclose its costs and fees for its loans online. You can expect to pay closing costs for a purchase or refinance loan, which typically range between 2% and 5% of your loan amount.
How does Patriot Financial compare?
Patriot Financial offers similar purchase and refinance options as other mortgage lenders.
| Company | Purchase options | Refinancing options | Minimum credit score | |
|---|---|---|---|---|
Patriot Financial, Inc. | Learn More | Conventional, FHA, VA, jumbo | Rate, term | 580 to 700 |
 New American Funding | View Rates | Conventional, FHA, VA, USDA, jumbo | Cash-out, rate-and-term, cash-in | 580 to 640 |
 Rate Mortgage | View Rates | Conventional, FHA, VA, jumbo | Cash-out, rate, term | No minimum score for some loans, otherwise 580 to 620 |
FAQ
Is Patriot Financial legit?
Yes, Patriot Financial is a legitimate mortgage lender that’s licensed with the Nationwide Multistate Licensing System (NMLS).
Where is Patriot Financial available?
Patriot Financial operates in 13 states: California, Colorado, Connecticut, Florida, Maryland, Minnesota, New York, North Carolina, Oregon, South Carolina, Tennessee, Virginia and Washington. It’s also available in Washington, D.C.
What credit score do you need for Patriot Financial?
The credit score you’ll need for a Patriot Financial loan depends on the type of loan you apply for. It typically requires a minimum credit score of 620 for conventional loans, 580 for FHA loans and 680 to 700 for jumbo loans. While it doesn’t disclose a minimum credit score for its VA loans, lenders typically require a minimum credit score of 620.
Still have questions?
Patriot Financial, Inc. Reviews
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Reviewed July 10, 2026
Don't even want to give a one star! Have been harassing me for over a year when never applied for anything. When I answer keep hanging up when I say remove me and stop harassing me. And not with the BBB! It's a scam! No one speaks English!
Patriot Financial, Inc. Company Information
- Company Name:
- Patriot Financial, Inc.
- Address:
- 1135 Kildaire Farm Road, Ste. 220-2
- City:
- Cary
- State/Province:
- NC
- Postal Code:
- 27511
- Country:
- United States
- Website:
- www.patfinancial.com