Mortgage Lenders and Brokers in Nags Head, 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
Nags Head, North Carolina mortgage lenders include First National Bank of PAFirst National Bank of PA2721 S Croatan Hwy, Nags Head, NC 27959A+5.0 ★Texas Ratio: 1.62%, PNC Bank N.A.PNC Bank N.A.2619 S Croatan Hwy, Nags Head, NC 27959A+5.0 ★Texas Ratio: 4.24%, State Employees' Credit UnionState Employees' Credit Union2609 S CROATAN HWY, NAGS HEAD, NC 27959A-5.0 ★Texas Ratio: 14.13%, Atlantic Union BankAtlantic Union Bank3101 S Church St, Burlington, NC 27215A+5.0 ★Texas Ratio: 2.51%, Southern Bank and Trust CompanySouthern Bank and Trust Company506 Main St E, Ahoskie, NC 27910A+5.0 ★Texas Ratio: 1.13%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, Blue Ridge BankBlue Ridge Bank3202 Northline Ave, Greensboro, NC 27408A5.0 ★Texas Ratio: 8.11%, North State BankNorth State Bank835 Highway 70 West, Garner, NC 27529A+5.0 ★Texas Ratio: 1.77%, and Uwharrie BankUwharrie Bank800 Highway 24 27 Bypass, Albemarle, NC 28001A+5.0 ★Texas Ratio: 0.72%. 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 Nags Head, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Nags Head 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 Nags Head, North Carolina
Market share is the lender's share of all home loans closed in Nags Head, 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 Nags Head 2721 S Croatan Hwy, Nags Head, NC 27959 A+5.0 ★Texas Ratio: 1.62% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
2% | 100% | $635,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Nags Head 2619 S Croatan Hwy, Nags Head, NC 27959 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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2609 S CROATAN HWY, NAGS HEAD, NC 27959 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 8 +10 HELOCs |
5.4% | 88.9% | $438,750 | View |
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3101 S Church St, Burlington, NC 27215 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 4 +2 HELOCs |
2.7% | 100% | $315,000 | View |
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506 Main St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 1.13% |
Conventional, HELOC | 3 +3 HELOCs |
2% | 100% | $358,333 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 2% | 100% | $295,000 | View |
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★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 1 +4 HELOCs |
0.7% | 100% | $875,000 | View |
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3202 Northline Ave, Greensboro, NC 27408 A5.0 ★Texas Ratio: 8.11% |
Conventional | 1 | 0.7% | 100% | $485,000 | View |
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835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77% |
Conventional | 1 | 0.7% | 100% | $405,000 | View |
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800 Highway 24 27 Bypass, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 0.72% |
Conventional | 1 | 0.7% | 100% | $435,000 | View |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.7% | 100% | $425,000 | View |
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1405 Bradford View Dr, Cary, NC 27519 A+5.0 ★Texas Ratio: 4.89% |
Conventional | 1 | 0.7% | 100% | $665,000 | View |
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335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 0.7% | 100% | $605,000 | View |
Rocket Mortgage
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Conventional, FHA, Jumbo | 13 | 8.8% | 81.2% | $563,461 | |
Movement Mortgage, LLC
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Conventional, Jumbo | 13 | 8.8% | 100% | $672,692 | |
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A4.7 ★Texas Ratio: 0.83% |
Conventional, Jumbo | 12 | 8.1% | 100% | $547,500 | View |
TowneBank
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Conventional, Jumbo, HELOC | 10 +10 HELOCs |
6.8% | 100% | $709,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 6 +2 HELOCs |
4.1% | 100% | $441,666 | |
First Heritage Mortgage, LLC
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Conventional, Jumbo | 6 | 4.1% | 100% | $906,666 | |
Cmg Mortgage Inc
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Conventional, Jumbo | 5 | 3.4% | 100% | $609,000 | |
Pennymac Loan Services LLC
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Conventional | 4 | 2.7% | 100% | $435,000 | |
United Wholesale Mortgage
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Conventional, VA, HELOC | 3 +1 HELOCs |
2% | 100% | $475,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 3 | 2% | 100% | $445,000 | |
Nationstar Mortgage
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Conventional | 3 | 2% | 75% | $205,000 | |
Mortgage Research Center
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Conventional, VA | 3 | 2% | 100% | $478,333 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 3 | 2% | 100% | $1,201,666 | View |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 2 | 1.4% | 66.7% | $865,000 | |
Atlantic Coast Mortgage, LLC
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Conventional | 2 | 1.4% | 100% | $340,000 | |
Capital Center LLC
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Conventional | 2 | 1.4% | 100% | $720,000 | |
Atlantic Bay Mortgage Group
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Conventional, VA | 2 | 1.4% | 100% | $545,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 2 | 1.4% | 100% | $310,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 1.4% | 100% | $125,000 | View |
American Neighborhood Mortgage Acceptance Company
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Conventional | 2 | 1.4% | 100% | $445,000 | |
Liberty Federal Credit Union
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Conventional, Jumbo | 1 | 0.7% | 100% | $2,005,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.7% | 100% | $645,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.7% | 100% | $755,000 | View |
Newrez LLC
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Conventional | 1 | 0.7% | 25% | $465,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.7% | 100% | $485,000 | |
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A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.7% | 100% | $445,000 | View |
Filo Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $635,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.7% | 100% | $505,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.7% | 100% | $485,000 | View |
First Savings Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $375,000 | |
Network Capital Funding Corporation
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Conventional | 1 | 0.7% | 100% | $425,000 | |
Justice Federal Credit Union
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Conventional | 1 | 0.7% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 5.26% |
Conventional | 1 | 0.7% | 100% | $535,000 | View |
Gray Fox Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $735,000 | |
Churchill Mortgage Corporation
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Conventional, Jumbo | 1 | 0.7% | 100% | $845,000 | |
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C+4.2 ★Texas Ratio: 24.99% |
Conventional | 1 | 0.7% | 100% | $525,000 | View |
Reliable Holdings Manager dba Lendz Financial
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Conventional | 1 | 0.7% | 100% | $525,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.7% | 100% | $375,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, Jumbo | 1 | 0.7% | 100% | $875,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.7% | 100% | $345,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.7% | 100% | $205,000 | |
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A5.0 ★Texas Ratio: 12.17% |
Conventional | 1 | 0.7% | 100% | $375,000 | View |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 10.20% |
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 | |
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A+5.0 ★Texas Ratio: 3.19% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Union Home Mortgage Corp.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Sharonview Federal CU
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HELOC | 0 +1 HELOCs |
0% | n/a |
Nags Head 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 Nags Head, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Nags Head? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Nags Head in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Nags Head, NC
Use these to narrow the list above. Each category shows how many Nags Head, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Nags Head, NC
Independent mortgage companies closed 60.1 percent of home loans in Nags Head, North Carolina in 2025, banks 28.4 percent and credit unions 11.5 percent. Rocket Mortgage 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 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 Nags Head, NC
By home loans closed in 2025, First National Bank of PA was the largest mortgage lender in Nags Head, North Carolina with 3 loans, about 2 percent of the market. The largest lender headquartered in North Carolina was State Employees' Credit Union with 8 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Nags Head, North Carolina in 2025, led by Rocket Mortgage with 1. 4 lenders closed VA loans, led by Mortgage Research Center. 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. 24 banks and 7 credit unions closed home loans in Nags Head, North Carolina in 2025, alongside 32 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 Nags Head, 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 Nags Head, 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 Nags Head. 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.
