Mortgage Lenders and Brokers in Cape Carteret, North Carolina
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Cape Carteret, North Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust306 Wb Mclean Dr, Cape Carteret, NC 28584A5.0 ★Texas Ratio: 7.72%, State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-5.0 ★Texas Ratio: 14.13%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, The Fidelity BankThe Fidelity Bank804 E Williams St, Apex, NC 27502A+5.0 ★Texas Ratio: 3.02%, Southern Bank and Trust CompanySouthern Bank and Trust Company506 Main St E, Ahoskie, NC 27910A+5.0 ★Texas Ratio: 1.13%, Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, First Carolina BankFirst Carolina Bank1405 Bradford View Dr, Cary, NC 27519A+5.0 ★Texas Ratio: 4.89%, First BankFirst Bank105 S Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 1.94%, and PNC Bank N.A.PNC Bank N.A.102 Church St E, Ahoskie, NC 27910A+5.0 ★Texas Ratio: 4.24%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Cape Carteret, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cape Carteret are listed first, then lenders elsewhere in North Carolina, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Cape Carteret, North Carolina
Market share is the lender's share of all home loans closed in Cape Carteret, North Carolina. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Cape Carteret 306 Wb Mclean Dr, Cape Carteret, NC 28584 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo, HELOC | 8 +4 HELOCs |
7.1% | 88.9% | $502,500 | View |
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1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 14 +8 HELOCs |
12.5% | 93.3% | $381,428 | View |
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★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +3 HELOCs |
1.8% | 66.7% | $320,000 | View |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
Conventional, Jumbo | 2 | 1.8% | 100% | $1,260,000 | View |
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506 Main St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 1.13% |
Conventional | 2 | 1.8% | 100% | $430,000 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.9% | 100% | $515,000 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
VA | 1 | 0.9% | 100% | $345,000 | View |
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1405 Bradford View Dr, Cary, NC 27519 A+5.0 ★Texas Ratio: 4.89% |
Conventional | 1 | 0.9% | 100% | $115,000 | View |
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105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional | 1 | 0.9% | 100% | $495,000 | View |
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★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Security Mortgage Cor
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Conventional, VA | 3 | 2.7% | 100% | $381,666 | |
Corporate Investors Mortgage G
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Conventional, VA | 2 | 1.8% | 100% | $475,000 | |
Rocket Mortgage
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Conventional, VA | 8 | 7.1% | 72.7% | $258,750 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 7 +7 HELOCs |
6.2% | 88.9% | $236,428 | |
Lower, LLC
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Conventional, FHA, VA | 7 | 6.2% | 100% | $402,142 | |
Movement Mortgage, LLC
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Conventional, VA | 6 | 5.4% | 100% | $320,000 | |
Newrez LLC
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Conventional, VA | 5 | 4.5% | 83.3% | $355,000 | |
United Wholesale Mortgage
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Conventional, VA | 3 | 2.7% | 60% | $488,333 | |
Atlantic Bay Mortgage Group
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Conventional, VA | 3 | 2.7% | 100% | $321,666 | |
Pentagon Federal Credit Union
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VA | 3 | 2.7% | 100% | $525,000 | |
Carrington Mortgage Services LLC
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Conventional, VA | 3 | 2.7% | 100% | $291,666 | |
Guaranteed Rate, Inc.
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Conventional, VA | 2 | 1.8% | 100% | $360,000 | |
Freedom Mortgage Corporation
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Conventional, FHA | 2 | 1.8% | 100% | $400,000 | |
Guild Mortgage Company
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Conventional | 2 | 1.8% | 100% | $320,000 | |
Cmg Mortgage Inc
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Conventional, FHA | 2 | 1.8% | 100% | $445,000 | |
Nationstar Mortgage
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Conventional, VA | 2 | 1.8% | 100% | $330,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.9% | 100% | $595,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
FHA | 1 | 0.9% | 100% | $445,000 | View |
Pennymac Loan Services LLC
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Conventional | 1 | 0.9% | 50% | $175,000 | |
Capital City Home Loans, LLC
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Conventional | 1 | 0.9% | 100% | $265,000 | |
loanDepot.com LLC
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VA | 1 | 0.9% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.9% | 100% | $485,000 | View |
AdvantageFirst Lending Inc
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FHA | 1 | 0.9% | 100% | $315,000 | |
Michigan Mutual, Inc
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Conventional | 1 | 0.9% | 100% | $305,000 | |
American Financing Corporation
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FHA | 1 | 0.9% | 100% | $495,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.9% | 100% | $495,000 | |
Real Genius LLC
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Conventional | 1 | 0.9% | 100% | $345,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.9% | 100% | $475,000 | View |
Mortgage Equity Partners LLC
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Conventional | 1 | 0.9% | 100% | $395,000 | |
Integrity Home Mortgage Corporation
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VA | 1 | 0.9% | 100% | $655,000 | |
Mortgage Research Center
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Conventional | 1 | 0.9% | 100% | $95,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $325,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.9% | 100% | $95,000 | View |
Fairway Independent Mort Corp
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VA | 1 | 0.9% | 100% | $355,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.9% | 100% | $265,000 | |
CrossCountry Mortgage, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
TowneBank
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HELOC | 0 +1 HELOCs |
0% | 0% |
Cape Carteret Mortgage Rate Trends
Daily average mortgage rates for North Carolina compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Cape Carteret, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Cape Carteret? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cape Carteret in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cape Carteret, NC
Use these to narrow the list above. Each category shows how many Cape Carteret, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Cape Carteret, NC
Independent mortgage companies closed 58.9 percent of home loans in Cape Carteret, North Carolina in 2025, banks 19.6 percent and credit unions 21.4 percent. American Security Mortgage Cor was the largest mortgage company, First Ciitizens Bank and Trust the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, First Ciitizens Bank and Trust led with 8 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
An attorney must handle the closing in North Carolina. State excise (transfer) tax of $1 per $500 of price, customarily paid by the seller, plus an additional 1 percent land transfer tax in seven northeastern counties (Camden, Chowan, Currituck, Dare, Pasquotank, Perquimans, Washington); no mortgage recording tax.
More North Carolina Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Cape Carteret, NC
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Cape Carteret, North Carolina with 8 loans, about 7.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Cape Carteret, North Carolina in 2025, led by Lower, LLC with 1. 19 lenders closed VA loans, led by Pentagon Federal Credit Union. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 15 banks and 4 credit unions closed home loans in Cape Carteret, North Carolina in 2025, alongside 31 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Cape Carteret, North Carolina during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Cape Carteret, North Carolina for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Cape Carteret. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
