Mortgage Lenders and Brokers in Carolina Beach, 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
Carolina Beach, North Carolina mortgage lenders include Truist BankTruist Bank7 Lake Park Blvd N, Carolina Beach, NC 28428A+5.0 ★Texas Ratio: 2.87%, Bank of America NABank of America NA122 Harper Ave, Carolina Beach, NC 28428A+5.0 ★Texas Ratio: 4.14%, State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-5.0 ★Texas Ratio: 14.13%, First Carolina BankFirst Carolina Bank1405 Bradford View Dr, Cary, NC 27519A+5.0 ★Texas Ratio: 4.89%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, TD BankTD Bank335 New Leicester Hwy, Asheville, NC 28806A+5.0 ★Texas Ratio: 3.71%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, PNC Bank N.A.PNC Bank N.A.102 Church St E, Ahoskie, NC 27910A+5.0 ★Texas Ratio: 4.24%, and First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%. 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 Carolina Beach, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Carolina Beach 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 Carolina Beach, North Carolina
Market share is the lender's share of all home loans closed in Carolina Beach, 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 stars, 1 review 1 office in Carolina Beach 7 Lake Park Blvd N, Carolina Beach, NC 28428 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 4 +13 HELOCs |
1.5% | 100% | $570,000 | View |
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1 office in Carolina Beach 122 Harper Ave, Carolina Beach, NC 28428 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 2 +4 HELOCs |
0.8% | 100% | $770,000 | View |
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1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 19 +11 HELOCs |
7.3% | 90.5% | $424,473 | View |
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1405 Bradford View Dr, Cary, NC 27519 A+5.0 ★Texas Ratio: 4.89% |
Conventional, Jumbo | 5 | 1.9% | 100% | $553,000 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 4 | 1.5% | 80% | $622,500 | View |
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335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo | 4 | 1.5% | 100% | $1,037,500 | View |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 3 +13 HELOCs |
1.1% | 50% | $381,666 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 3 | 1.1% | 75% | $891,666 | View |
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★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo, HELOC | 2 +4 HELOCs |
0.8% | 100% | $565,000 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 2 +3 HELOCs |
0.8% | 66.7% | $370,000 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional, HELOC | 2 +1 HELOCs |
0.8% | 100% | $620,000 | |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
Conventional, Jumbo | 2 | 0.8% | 100% | $975,000 | View |
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506 Main St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 1.13% |
Conventional | 2 | 0.8% | 100% | $565,000 | View |
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105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional, HELOC | 1 +3 HELOCs |
0.4% | 100% | $805,000 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.4% | 100% | $155,000 | View |
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148 Charlotte St, Asheville, NC 28801 1923 A5.0 ★Texas Ratio: 9.56% |
Conventional | 1 | 0.4% | 100% | $505,000 | View |
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★ 5 stars, 1 review 5361 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.4% | 100% | $635,000 | View |
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835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77% |
Conventional | 1 | 0.4% | 100% | $615,000 | View |
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103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.4% | 100% | $275,000 | View |
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★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.4% | 50% | $575,000 | View |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Security Mortgage Cor
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Conventional | 9 | 3.4% | 100% | $466,111 | |
Deephaven Mortgage LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,505,000 | |
Goprime Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $285,000 | |
Rocket Mortgage
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Conventional, FHA, Jumbo | 20 | 7.6% | 71.4% | $271,000 | |
Atlantic Bay Mortgage Group
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Conventional, VA | 12 | 4.6% | 100% | $380,000 | |
Pennymac Loan Services LLC
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Conventional, VA, Jumbo | 11 | 4.2% | 100% | $721,363 | |
Corning Credit Union
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Conventional, Jumbo, HELOC | 9 +11 HELOCs |
3.4% | 92.3% | $527,222 | |
CrossCountry Mortgage, LLC
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Conventional, VA, HELOC | 9 +1 HELOCs |
3.4% | 100% | $543,888 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, VA | 9 | 3.4% | 100% | $459,444 | View |
Newrez LLC
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Conventional, Jumbo | 9 | 3.4% | 50% | $590,555 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 6 +1 HELOCs |
2.3% | 75% | $555,000 | |
Movement Mortgage, LLC
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Conventional | 5 | 1.9% | 100% | $431,000 | |
The Loan Store, Inc
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Conventional | 5 | 1.9% | 100% | $463,000 | |
Loansteady LLC
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Conventional | 4 | 1.5% | 100% | $515,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional, Jumbo | 4 | 1.5% | 100% | $507,500 | View |
Guaranteed Rate, Inc.
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Conventional | 3 | 1.1% | 75% | $595,000 | |
ALCOVA Mortgage, LLC
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Conventional | 3 | 1.1% | 100% | $441,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
0.8% | 100% | $515,000 | |
loanDepot.com LLC
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Conventional, VA, HELOC | 2 +1 HELOCs |
0.8% | 50% | $530,000 | |
EMM Loans LLC
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Conventional | 2 | 0.8% | 100% | $730,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 2 | 0.8% | 66.7% | $415,000 | View |
General Mortgage Capital Corporation
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Conventional | 2 | 0.8% | 100% | $590,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional | 2 | 0.8% | 100% | $335,000 | View |
Discover Bank
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Conventional | 2 | 0.8% | 40% | $80,000 | |
Intercoastal Mortgage, LLC
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Conventional, Jumbo | 2 | 0.8% | 100% | $1,240,000 | |
East Coast Capital Corp.
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Conventional | 2 | 0.8% | 100% | $420,000 | |
Capital Center LLC
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Conventional | 2 | 0.8% | 100% | $565,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 2 | 0.8% | 100% | $545,000 | View |
Nationstar Mortgage
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Conventional | 2 | 0.8% | 100% | $570,000 | |
Mortgage Research Center
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VA | 2 | 0.8% | 100% | $340,000 | |
TowneBank
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Conventional | 2 | 0.8% | 100% | $530,000 | |
New American Funding, LLC.
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Conventional | 2 | 0.8% | 100% | $495,000 | |
Lower, LLC
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Conventional | 2 | 0.8% | 66.7% | $425,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 0.8% | 100% | $555,000 | View |
Fairway Independent Mort Corp
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Conventional | 2 | 0.8% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.8% | 100% | $355,000 | View |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 2 | 0.8% | 100% | $875,000 | View |
Cmg Mortgage Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $805,000 | |
Tidewater Mortgage Services, Inc
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Conventional | 1 | 0.4% | 100% | $225,000 | |
Liberty Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $505,000 | |
Atlantic Coast Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $465,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.4% | 33.3% | $185,000 | |
Freedom Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $375,000 | |
Watermark Capital, Inc.
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Conventional | 1 | 0.4% | 100% | $455,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $365,000 | |
Nbkc Bank
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Conventional | 1 | 0.4% | 100% | $475,000 | |
Norwich Commercial Group Inc
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Conventional | 1 | 0.4% | 100% | $505,000 | |
Howard Hanna Financial Services, Inc
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Conventional | 1 | 0.4% | 100% | $455,000 | |
Tower Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $645,000 | View |
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A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.4% | 100% | $495,000 | View |
Capital City Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $515,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.4% | 33.3% | $725,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.4% | 100% | $475,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.4% | 50% | $665,000 | View |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.4% | 100% | $165,000 | View |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.4% | 100% | $555,000 | |
Republic State Mortgage Company
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Conventional | 1 | 0.4% | 100% | $535,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.4% | 100% | $555,000 | |
Flat Branch Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $805,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional | 1 | 0.4% | 100% | $345,000 | |
First Heritage Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $265,000 | |
Nfm, Inc
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Conventional | 1 | 0.4% | 100% | $445,000 | |
T2 Financial LLC
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Conventional | 1 | 0.4% | 100% | $415,000 | |
BoxCar Mortgage, LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,065,000 | |
Integrity Home Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $245,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.4% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,925,000 | View |
Keystone Funding, Inc
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VA | 1 | 0.4% | 100% | $535,000 | |
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A+5.0 ★Texas Ratio: 0.55% |
Conventional | 1 | 0.4% | 100% | $475,000 | View |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,075,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $535,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.4% | 100% | $225,000 | |
Nmsi, Inc.
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Conventional, Jumbo | 1 | 0.4% | 100% | $805,000 | |
United Nations Federal CU
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Conventional | 1 | 0.4% | 100% | $505,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.4% | 100% | $205,000 | |
Utilities Employees Credit Union
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Conventional | 1 | 0.4% | 100% | $595,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.4% | 100% | $395,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 10.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Chartway FCU
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Nextmortgage, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.79% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Sharonview Federal CU
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Carolina Beach 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 Carolina Beach, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Carolina Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Carolina Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Carolina Beach, NC
Use these to narrow the list above. Each category shows how many Carolina Beach, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Carolina Beach, NC
Independent mortgage companies closed 57.6 percent of home loans in Carolina Beach, North Carolina in 2025, banks 27.1 percent and credit unions 15.3 percent. American Security Mortgage Cor was the largest mortgage company, Truist Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, Truist Bank led with 4 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 Carolina Beach, NC
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Carolina Beach, North Carolina with 4 loans, about 1.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Carolina Beach, North Carolina in 2025, led by Rocket Mortgage with 1. 8 lenders closed VA loans, led by Pennymac Loan Services LLC. 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. 37 banks and 15 credit unions closed home loans in Carolina Beach, North Carolina in 2025, alongside 60 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 Carolina Beach, 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 Carolina Beach, 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 Carolina Beach. 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.
