Mortgage Lenders and Brokers in Morehead City, 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
Morehead City, North Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust3412 Bridges St, Morehead City, NC 28557A5.0 ★Texas Ratio: 7.72%, Truist BankTruist Bank5002 Hwy 70 W, Morehead City, NC 28557A+5.0 ★Texas Ratio: 2.87%, Southern Bank and Trust CompanySouthern Bank and Trust Company506 Main St E, Ahoskie, NC 27910A+5.0 ★Texas Ratio: 1.13%, Providence BankProvidence Bank4737g Arendell St, Morehead City, NC 28557A+5.0 ★Texas Ratio: 0.81%, Wells Fargo Bank NAWells Fargo Bank NA5003 Executive Dr, Morehead City, NC 28557A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.2300 Arendell St, Morehead City, NC 28557A+5.0 ★Texas Ratio: 4.24%, First BankFirst Bank137 Nc Highway 24, Morehead City, NC 28557A+5.0 ★Texas Ratio: 1.94%, State Employees' Credit UnionState Employees' Credit Union5073 EXECUTIVE DR, MOREHEAD CITY, NC 28557A-5.0 ★Texas Ratio: 14.13%, First Flight Federal Credit UnionFirst Flight Federal Credit Union4501 Arendell St, Morehead City, NC 28557A+5.0 ★Texas Ratio: 3.28%, and Coastal Federal Credit UnionCoastal Federal Credit UnionOlive Chapel Village #131, Apex, NC 27502A+5.0 ★Texas Ratio: 4.34%. 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 Morehead City, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Morehead City 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 Morehead City, North Carolina
Market share is the lender's share of all home loans closed in Morehead City, 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 Morehead City 3412 Bridges St, Morehead City, NC 28557 A5.0 ★Texas Ratio: 7.72% |
Conventional, FHA, Jumbo, HELOC | 11 +11 HELOCs |
4.1% | 78.6% | $390,454 | View |
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★ 1 stars, 1 review 2 offices in Morehead City 5002 Hwy 70 W, Morehead City, NC 28557 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 4 +9 HELOCs |
1.5% | 57.1% | $317,500 | View |
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1 office in Morehead City 506 Main St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 1.13% |
Conventional, HELOC | 4 +2 HELOCs |
1.5% | 100% | $670,000 | View |
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1 office in Morehead City 4737g Arendell St, Morehead City, NC 28557 A+5.0 ★Texas Ratio: 0.81% |
Conventional | 3 | 1.1% | 100% | $305,000 | View |
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1 office in Morehead City 5003 Executive Dr, Morehead City, NC 28557 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 3 | 1.1% | 100% | $605,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Morehead City 2300 Arendell St, Morehead City, NC 28557 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +6 HELOCs |
0.7% | 100% | $225,000 | View |
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1 office in Morehead City 137 Nc Highway 24, Morehead City, NC 28557 A+5.0 ★Texas Ratio: 1.94% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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5073 EXECUTIVE DR, MOREHEAD CITY, NC 28557 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 40 +38 HELOCs |
14.8% | 88.9% | $292,500 | View |
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4501 Arendell St, Morehead City, NC 28557 A+5.0 ★Texas Ratio: 3.28% |
Conventional | 6 | 2.2% | 75% | $118,333 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional, Jumbo | 5 | 1.8% | 100% | $339,000 | |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 4 | 1.5% | 100% | $287,500 | View |
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890 Hendersonville Rd, Asheville, NC 28803 A-5.0 ★Texas Ratio: 15.49% |
Conventional, VA | 3 | 1.1% | 100% | $375,000 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +3 HELOCs |
0.7% | 100% | $265,000 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 100% | $230,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.7% | 100% | $405,000 | View |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $555,000 | View |
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835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77% |
Conventional | 1 | 0.4% | 100% | $665,000 | View |
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116 N Main St, China Grove, NC 28023 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,255,000 | View |
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1405 Bradford View Dr, Cary, NC 27519 A+5.0 ★Texas Ratio: 4.89% |
Conventional | 1 | 0.4% | 100% | $505,000 | View |
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192 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.53% |
Conventional, Jumbo | 1 | 0.4% | 100% | $2,635,000 | View |
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316 NC Hwy 149 N, Plymouth, NC 27962 A5.0 ★Texas Ratio: 12.95% |
Conventional | 1 | 0.4% | 100% | $445,000 | View |
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1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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3101 S Church St, Burlington, NC 27215 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Security Mortgage Cor
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Conventional, FHA, VA, USDA | 11 | 4.1% | 100% | $333,181 | |
Corporate Investors Mortgage G
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Conventional | 11 | 4.1% | 100% | $327,727 | |
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A+5.0 ★Texas Ratio: 3.12% |
Conventional | 1 | 0.4% | 100% | $305,000 | View |
Goprime Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $355,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 28 | 10.3% | 82.4% | $237,142 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 13 | 4.8% | 82.4% | $353,461 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, Jumbo | 12 | 4.4% | 85.7% | $415,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +4 HELOCs |
1.5% | 44.4% | $372,500 | |
Cmg Mortgage Inc
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Conventional, FHA, HELOC | 4 +1 HELOCs |
1.5% | 83.3% | $275,000 | |
Pennymac Loan Services LLC
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FHA, VA | 4 | 1.5% | 80% | $292,500 | |
Atlantic Bay Mortgage Group
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Conventional, VA | 4 | 1.5% | 100% | $315,000 | |
TowneBank
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Conventional, FHA, Jumbo | 4 | 1.5% | 100% | $735,000 | |
Lower, LLC
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Conventional | 4 | 1.5% | 80% | $372,500 | |
loanDepot.com LLC
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Conventional, VA, HELOC | 3 +2 HELOCs |
1.1% | 60% | $258,333 | |
Equity Resources Inc
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Conventional, FHA, VA | 3 | 1.1% | 100% | $458,333 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.1% | 100% | $341,666 | |
Newrez LLC
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Conventional, VA | 3 | 1.1% | 60% | $405,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 3 | 1.1% | 100% | $215,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 3 | 1.1% | 100% | $298,333 | |
Union Home Mortgage Corp.
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Conventional | 3 | 1.1% | 100% | $301,666 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.7% | 40% | $70,000 | |
Guild Mortgage Company
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Conventional, VA | 2 | 0.7% | 100% | $360,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.7% | 66.7% | $320,000 | View |
Planet Home Lending, LLC
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Conventional, VA | 2 | 0.7% | 100% | $195,000 | |
Integrity Home Mortgage Corporation
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Conventional, VA | 2 | 0.7% | 100% | $445,000 | |
Citadel Servicing Corporation
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Conventional | 2 | 0.7% | 100% | $440,000 | |
Cadence Bank
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Conventional | 1 | 0.4% | 100% | $515,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.4% | 100% | $155,000 | |
Goodleap, LLC
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FHA | 1 | 0.4% | 100% | $325,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
VA | 1 | 0.4% | 100% | $565,000 | View |
SWBC Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $135,000 | |
Nbkc Bank
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VA | 1 | 0.4% | 100% | $325,000 | |
Howard Hanna Financial Services, Inc
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Conventional | 1 | 0.4% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.4% | 100% | $685,000 | View |
PHH Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $205,000 | |
Neighborhood Mortgage Solutions, LLC
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Conventional | 1 | 0.4% | 100% | $445,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.4% | 16.7% | $315,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.4% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.4% | 100% | $445,000 | View |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.4% | 100% | $315,000 | |
Apple Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $265,000 | |
ClearPath Lending
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VA | 1 | 0.4% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 0.10% |
Conventional | 1 | 0.4% | 100% | $255,000 | View |
Mid-Continent Funding, Inc.
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VA | 1 | 0.4% | 100% | $525,000 | |
Aurora Financial, LLC
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Conventional | 1 | 0.4% | 100% | $445,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,625,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
FHA | 1 | 0.4% | 100% | $205,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.4% | 100% | $55,000 | |
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A5.0 ★Texas Ratio: 11.98% |
Conventional | 1 | 0.4% | 100% | $95,000 | View |
Pentagon Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $175,000 | |
Park Lane Finance SolutionsLLC
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Conventional | 1 | 0.4% | 100% | $75,000 | |
Radius Financial Group Inc
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Conventional | 1 | 0.4% | 100% | $115,000 | |
Excite Credit Union
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Conventional | 1 | 0.4% | 100% | $185,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $535,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $325,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.4% | 100% | $665,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.4% | 100% | $555,000 | View |
Fairway Independent Mort Corp
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VA | 1 | 0.4% | 100% | $335,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.4% | 100% | $235,000 | View |
21St Mortgage
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Conventional | 1 | 0.4% | 16.7% | $165,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.4% | 16.7% | $155,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.4% | 100% | $235,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 0.4% | 100% | $445,000 | |
Texana Bank
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VA | 1 | 0.4% | 100% | $255,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $325,000 | |
Village Capital & Investment
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VA | 1 | 0.4% | 66.7% | $515,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Elements Financial Federal Cre
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Ussfcu
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Morehead City 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 Morehead City, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Morehead City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Morehead City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Morehead City, NC
Use these to narrow the list above. Each category shows how many Morehead City, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Morehead City, NC
Independent mortgage companies closed 55.7 percent of home loans in Morehead City, North Carolina in 2025, banks 22.5 percent and credit unions 21.8 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 11 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 Morehead City, NC
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Morehead City, North Carolina with 11 loans, about 4.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Morehead City, North Carolina in 2025, led by American Security Mortgage Cor with 3. 25 lenders closed VA loans, led by United Wholesale Mortgage, and 1 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. 32 banks and 12 credit unions closed home loans in Morehead City, North Carolina in 2025, alongside 52 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 Morehead City, 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 Morehead City, 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 Morehead City. 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.
