Mortgage Lenders and Brokers in Carolina Shores, 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 Shores, North Carolina mortgage lenders include State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-5.0 ★Texas Ratio: 14.13%, First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%, PNC Bank N.A.PNC Bank N.A.102 Church St E, Ahoskie, NC 27910A+5.0 ★Texas Ratio: 4.24%, 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%, First BankFirst Bank105 S Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 1.94%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, and Coastal Carolina National BankCoastal Carolina National Bank6649 Beach Drive, Ocean Isle Beach, NC 28469A+5.0 ★Texas Ratio: 0.00%. 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 Shores, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Carolina Shores 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 Shores, North Carolina
Market share is the lender's share of all home loans closed in Carolina Shores, 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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1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 15 +6 HELOCs |
3% | 88.2% | $225,666 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 12 +4 HELOCs |
2.4% | 85.7% | $136,666 | View |
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★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA, HELOC | 8 +10 HELOCs |
1.6% | 100% | $163,750 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 7 +9 HELOCs |
1.4% | 100% | $263,571 | 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, VA, HELOC | 6 +12 HELOCs |
1.2% | 100% | $266,666 | View |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 5 +2 HELOCs |
1% | 83.3% | $89,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 3 +2 HELOCs |
0.6% | 60% | $218,333 | View |
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105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional, HELOC | 3 +2 HELOCs |
0.6% | 100% | $221,666 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.6% | 100% | $231,666 | View |
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6649 Beach Drive, Ocean Isle Beach, NC 28469 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 0.4% | 100% | $180,000 | View |
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47560 Highway 12, Buxton, NC 27920 A+5.0 ★Texas Ratio: 2.15% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $275,000 | View |
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★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $245,000 | View |
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800 Highway 24 27 Bypass, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 0.72% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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909 S Main St, Laurinburg, NC 28352 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
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128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25% |
Conventional | 1 | 0.2% | 50% | $325,000 | View |
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192 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.53% |
Conventional | 1 | 0.2% | 100% | $125,000 | View |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.2% | 33.3% | $225,000 | View |
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★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.2% | 50% | $225,000 | View |
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335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
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% | 0% | 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 | 1 | 0.2% | 100% | $265,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.2% | 33.3% | $445,000 | |
Corporate Investors Mortgage G
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Conventional | 1 | 0.2% | 100% | $125,000 | |
RBC Bank (Georgia), N.A.
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Rocket Mortgage
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Conventional, FHA, VA, HELOC | 55 +1 HELOCs |
10.8% | 87.9% | $216,272 | |
Pulte Mortgage LLC
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Conventional, FHA, VA | 39 | 7.7% | 95.1% | $285,256 | |
Jet HomeLoans, LP
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Conventional, FHA, VA | 28 | 5.5% | 100% | $233,928 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional, FHA, VA | 25 | 4.9% | 86.7% | $275,800 | |
Tidewater Mortgage Services, Inc
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Conventional, USDA | 22 | 4.3% | 100% | $268,636 | |
Lennar Mortgage, LLC
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Conventional, FHA, VA | 20 | 3.9% | 90.9% | $256,500 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 19 +1 HELOCs |
3.7% | 70.4% | $278,684 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 16 +1 HELOCs |
3.1% | 88.9% | $243,750 | |
Mortgage Research Center
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Conventional, FHA, VA | 15 | 3% | 83.3% | $267,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 11 +1 HELOCs |
2.2% | 78.6% | $159,545 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 9 | 1.8% | 90% | $236,111 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 9 | 1.8% | 90% | $248,333 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 8 | 1.6% | 100% | $316,250 | |
Nvr Mortgage Finance, Inc.
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Conventional, VA | 8 | 1.6% | 100% | $220,000 | |
Lower, LLC
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Conventional, VA | 7 | 1.4% | 100% | $223,571 | |
Fairway Independent Mort Corp
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Conventional, FHA | 7 | 1.4% | 100% | $256,428 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, HELOC | 5 +1 HELOCs |
1% | 100% | $263,000 | |
ALCOVA Mortgage, LLC
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Conventional, FHA | 5 | 1% | 100% | $275,000 | |
The Loan Store, Inc
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Conventional, VA | 5 | 1% | 100% | $279,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 4 +1 HELOCs |
0.8% | 100% | $212,500 | |
Equity Resources Inc
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Conventional | 4 | 0.8% | 80% | $257,500 | |
Amerisave Mortgage Company
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Conventional | 4 | 0.8% | 57.1% | $120,000 | |
Guild Mortgage Company
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Conventional | 4 | 0.8% | 100% | $135,000 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 4 | 0.8% | 100% | $247,500 | |
T2 Financial LLC
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Conventional, FHA | 4 | 0.8% | 80% | $290,000 | |
TowneBank
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Conventional | 4 | 0.8% | 100% | $227,500 | |
PHH Mortgage Corporation
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Conventional | 3 | 0.6% | 100% | $181,666 | |
Planet Home Lending, LLC
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FHA, VA | 3 | 0.6% | 100% | $255,000 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 0.6% | 100% | $135,000 | |
Corning Credit Union
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Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $230,000 | |
EMM Loans LLC
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Conventional | 2 | 0.4% | 100% | $310,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.4% | 100% | $135,000 | View |
Everett Financial, Inc.
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Conventional, FHA | 2 | 0.4% | 100% | $275,000 | |
Newrez LLC
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Conventional | 2 | 0.4% | 100% | $135,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $345,000 | |
AdvantageFirst Lending Inc
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FHA | 2 | 0.4% | 66.7% | $250,000 | |
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A+5.0 ★Texas Ratio: 1.16% |
Conventional | 2 | 0.4% | 100% | $155,000 | View |
Intercoastal Mortgage, LLC
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Conventional | 2 | 0.4% | 100% | $210,000 | |
New Day Financial, LLC.
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VA | 2 | 0.4% | 100% | $425,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.4% | 100% | $255,000 | View |
Integrity Home Mortgage Corporation
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Conventional | 2 | 0.4% | 100% | $320,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional, VA | 2 | 0.4% | 100% | $280,000 | View |
Saygo Home Loans, LLC
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Conventional, VA | 2 | 0.4% | 100% | $325,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.4% | 100% | $315,000 | |
Mutual of Omaha Mortgage
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FHA, VA | 2 | 0.4% | 66.7% | $320,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
FHA, VA | 2 | 0.4% | 100% | $245,000 | View |
Carrington Mortgage Services LLC
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Conventional, VA | 2 | 0.4% | 100% | $230,000 | |
Tower Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $205,000 | |
Cmg Mortgage Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $345,000 | |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $235,000 | |
Msu Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $265,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.2% | 100% | $235,000 | |
Primelending
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Atlantic Coast Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.2% | 100% | $375,000 | View |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.2% | 100% | $105,000 | |
Contour Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $285,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.2% | 50% | $395,000 | |
Acrisure Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.2% | 100% | $245,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
USDA | 1 | 0.2% | 100% | $275,000 | View |
American Financial Network, Inc.
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Conventional | 1 | 0.2% | 100% | $85,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.2% | 100% | $125,000 | View |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
HomeBridge Financial Services, Inc
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Conventional | 1 | 0.2% | 100% | $325,000 | |
Michigan Mutual, Inc
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Conventional | 1 | 0.2% | 100% | $165,000 | |
Carolina Trust Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.2% | 100% | $345,000 | |
Advisors Mortgage Group, LLC
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Conventional | 1 | 0.2% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.2% | 100% | $35,000 | View |
ClearPath Lending
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VA | 1 | 0.2% | 100% | $265,000 | |
Bay Equity LLC
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FHA | 1 | 0.2% | 100% | $425,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional | 1 | 0.2% | 100% | $125,000 | |
Nfm, Inc
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VA | 1 | 0.2% | 100% | $395,000 | |
Embrace Home Loans, Inc.
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VA | 1 | 0.2% | 100% | $205,000 | |
Community First Credit Union of FLorida
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Conventional | 1 | 0.2% | 100% | $305,000 | |
BoxCar Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $145,000 | |
Gardner Financial Services
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Conventional | 1 | 0.2% | 100% | $385,000 | |
Synovus Bank
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Conventional | 1 | 0.2% | 100% | $415,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.2% | 100% | $125,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $55,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $105,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional | 1 | 0.2% | 100% | $135,000 | |
Hometown Funding, INC. D/B/A CNB Mortgage Company
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Conventional | 1 | 0.2% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 3.58% |
Conventional | 1 | 0.2% | 50% | $145,000 | |
Mortgage Investors Group
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Conventional | 1 | 0.2% | 100% | $165,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.2% | 100% | $295,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.2% | 100% | $365,000 | View |
Loan Simple, Inc.
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FHA | 1 | 0.2% | 50% | $215,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.2% | 25% | $55,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.2% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Teachers Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Sierra Pacific Mortgage Co. Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | 0% | View |
Carolina Shores 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 Shores, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Carolina Shores? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Carolina Shores in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Carolina Shores, NC
Use these to narrow the list above. Each category shows how many Carolina Shores, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Carolina Shores, NC
Independent mortgage companies closed 77.8 percent of home loans in Carolina Shores, North Carolina in 2025, banks 15.2 percent and credit unions 7.1 percent. American Security Mortgage Cor was the largest mortgage company, First National Bank of PA the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, State Employees' Credit Union led with 15 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 Shores, NC
By home loans closed in 2025, State Employees' Credit Union was the largest mortgage lender in Carolina Shores, North Carolina with 15 loans, about 3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Carolina Shores, North Carolina, Rocket Mortgage approved the highest share of completed applications in 2025 at 87.9 percent, against a 89.4 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
31 lenders closed FHA loans in Carolina Shores, North Carolina in 2025, led by Jet HomeLoans, LP with 10. 29 lenders closed VA loans, led by Mortgage Research Center, and 2 closed USDA rural loans. 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. 35 banks and 14 credit unions closed home loans in Carolina Shores, North Carolina in 2025, alongside 76 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 Shores, 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 Shores, 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 Shores. 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.
