Mortgage Lenders and Brokers in Oak Island, 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
Oak Island, North Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust8900 E Oak Island Dr, Oak Island, NC 28465A5.0 ★Texas Ratio: 7.72%, Truist BankTruist Bank8905 E Oak Island Dr, Oak Island, NC 28465A+5.0 ★Texas Ratio: 2.87%, 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%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%, First BankFirst Bank105 S Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 1.94%, Southstate Bank, National AssociationSouthstate Bank, National Association192 E Woodrow Ave, Belmont, NC 28012A+5.0 ★Texas Ratio: 2.27%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, 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 Oak Island, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oak Island 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 Oak Island, North Carolina
Market share is the lender's share of all home loans closed in Oak Island, 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 Oak Island 8900 E Oak Island Dr, Oak Island, NC 28465 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo, HELOC | 16 +21 HELOCs |
2.4% | 89.5% | $488,750 | View |
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★ 1 stars, 1 review 1 office in Oak Island 8905 E Oak Island Dr, Oak Island, NC 28465 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, Jumbo, HELOC | 10 +12 HELOCs |
1.5% | 100% | $457,000 | View |
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1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13% |
Conventional, Jumbo, HELOC | 48 +27 HELOCs |
7.3% | 81.4% | $396,250 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional, Jumbo, HELOC | 15 +7 HELOCs |
2.3% | 100% | $431,000 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 11 | 1.7% | 84.6% | $343,181 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 9 +5 HELOCs |
1.4% | 100% | $451,666 | View |
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105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional, Jumbo, HELOC | 7 +2 HELOCs |
1.1% | 100% | $732,142 | View |
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★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27% |
Conventional, Jumbo | 6 | 0.9% | 100% | $660,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 4 +1 HELOCs |
0.6% | 100% | $960,000 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional, Jumbo, HELOC | 4 +1 HELOCs |
0.6% | 100% | $667,500 | |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo, HELOC | 3 +2 HELOCs |
0.5% | 100% | $788,333 | View |
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835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77% |
Conventional, Jumbo | 3 | 0.5% | 100% | $931,666 | View |
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800 Highway 24 27 Bypass, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 0.72% |
Conventional | 3 | 0.5% | 100% | $448,333 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 0.3% | 100% | $315,000 | View |
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3101 S Church St, Burlington, NC 27215 A+5.0 ★Texas Ratio: 2.51% |
Conventional | 2 | 0.3% | 100% | $550,000 | View |
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1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37% |
Conventional, Jumbo | 2 | 0.3% | 100% | $765,000 | View |
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★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 2 | 0.3% | 100% | $330,000 | View |
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47560 Highway 12, Buxton, NC 27920 A+5.0 ★Texas Ratio: 2.15% |
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 33.3% | $565,000 | View |
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★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 50% | $635,000 | View |
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128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $415,000 | View |
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335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $55,000 | View |
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3202 Northline Ave, Greensboro, NC 27408 A5.0 ★Texas Ratio: 8.11% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,365,000 | 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 | 0.2% | 100% | $165,000 | View |
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101 S Tryon St, Charlotte, NC 28280 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.2% | 100% | $535,000 | View |
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6752 Parker Farm Drive, Wilmington, NC 28405 A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.2% | 100% | $405,000 | View |
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4064 Colony Rd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 3.08% |
Conventional | 1 | 0.2% | 100% | $745,000 | View |
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1641 Blowing Rock Road, Boone, NC 28607 A+5.0 ★Texas Ratio: 3.31% |
Conventional | 1 | 0.2% | 100% | $235,000 | View |
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292 W Main Ave, Gastonia, NC 28052 A+5.0 ★Texas Ratio: 2.83% |
Conventional | 1 | 0.2% | 100% | $575,000 | View |
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500 E Morehead St Ste 150, Charlotte, NC 28202 A5.0 ★Texas Ratio: 7.55% |
Conventional | 1 | 0.2% | 100% | $615,000 | View |
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1815 Kildaire Farm Rd, Cary, NC 27518 A+5.0 ★Texas Ratio: 3.28% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
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1231 Birch St, Camp Lejeune, NC 28547 2529 A5.0 ★Texas Ratio: 8.11% |
Conventional | 1 | 0.2% | 100% | $345,000 | View |
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115 Main St E, Banner Elk, NC 28604 A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 0.2% | 100% | $375,000 | View |
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104 NC 54 Ste KK, Carrboro, NC 27510 A5.0 ★Texas Ratio: 6.08% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
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732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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192 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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2821 Crisman St, Charlotte, NC 28208 A+5.0 ★Texas Ratio: 3.27% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Security Mortgage Cor
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Conventional | 7 | 1.1% | 100% | $467,857 | |
Corporate Investors Mortgage G
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Conventional | 4 | 0.6% | 100% | $472,500 | |
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A+5.0 ★Texas Ratio: 3.12% |
Conventional, Jumbo | 2 | 0.3% | 100% | $775,000 | View |
Cardinal Financial Company, Li
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Conventional | 1 | 0.2% | 100% | $55,000 | |
Goprime Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $215,000 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 66 | 10.1% | 78.6% | $271,363 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 40 | 6.1% | 89.4% | $302,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA, HELOC | 19 +1 HELOCs |
2.9% | 100% | $386,578 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 19 | 2.9% | 95% | $402,894 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA, Jumbo | 15 | 2.3% | 100% | $481,666 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 14 | 2.1% | 88.2% | $505,714 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, HELOC | 13 +2 HELOCs |
2% | 92.9% | $318,076 | |
Lower, LLC
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Conventional, Jumbo | 13 | 2% | 100% | $502,692 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo, HELOC | 12 +2 HELOCs |
1.8% | 92.3% | $457,500 | |
The Loan Store, Inc
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Conventional | 11 | 1.7% | 92.3% | $385,909 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA, Jumbo | 10 | 1.5% | 100% | $520,000 | |
Freedom Mortgage Corporation
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FHA, VA | 9 | 1.4% | 100% | $355,000 | |
Nationstar Mortgage
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Conventional, VA | 9 | 1.4% | 100% | $235,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 8 | 1.2% | 80% | $230,000 | |
Acrisure Mortgage, LLC
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Conventional, FHA, VA, USDA, Jumbo | 8 | 1.2% | 100% | $412,500 | |
Loansteady LLC
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Conventional, FHA, VA, Jumbo | 8 | 1.2% | 100% | $557,500 | |
Mortgage Research Center
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Conventional, VA | 8 | 1.2% | 72.7% | $383,750 | |
ALCOVA Mortgage, LLC
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Conventional, Jumbo | 7 | 1.1% | 100% | $540,714 | |
Guild Mortgage Company
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Conventional, VA | 7 | 1.1% | 100% | $456,428 | |
Jet HomeLoans, LP
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Conventional, FHA | 7 | 1.1% | 100% | $263,571 | |
T2 Financial LLC
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Conventional, FHA | 7 | 1.1% | 100% | $416,428 | |
Newrez LLC
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Conventional, Jumbo | 6 | 0.9% | 77.8% | $608,333 | |
BoxCar Mortgage, LLC
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Conventional, Jumbo | 6 | 0.9% | 100% | $615,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 5 +1 HELOCs |
0.8% | 83.3% | $609,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional, VA | 5 | 0.8% | 100% | $363,000 | View |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional | 4 | 0.6% | 100% | $392,500 | View |
Direct Mortgage Loans, LLC
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Conventional | 4 | 0.6% | 100% | $550,000 | |
Reliance First Capital, LLC
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Conventional, VA | 4 | 0.6% | 100% | $357,500 | |
Corning Credit Union
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Conventional, HELOC | 3 +6 HELOCs |
0.5% | 100% | $378,333 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 3 +1 HELOCs |
0.5% | 75% | $375,000 | |
Atlantic Coast Mortgage, LLC
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Conventional, VA | 3 | 0.5% | 100% | $371,666 | |
Primary Residential Mortgage, INC.
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Conventional | 3 | 0.5% | 100% | $381,666 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 3 | 0.5% | 75% | $438,333 | |
Amerisave Mortgage Company
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Conventional, FHA | 3 | 0.5% | 30% | $85,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 3 | 0.5% | 100% | $281,666 | View |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 3 | 0.5% | 75% | $321,666 | View |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional, Jumbo | 3 | 0.5% | 100% | $455,000 | View |
Village Capital & Investment
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VA | 3 | 0.5% | 100% | $328,333 | |
Cmg Mortgage Inc
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Conventional, HELOC | 2 +2 HELOCs |
0.3% | 100% | $300,000 | |
Better Mortgage Corporation
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Conventional, FHA, HELOC | 2 +1 HELOCs |
0.3% | 100% | $330,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo, HELOC | 2 +1 HELOCs |
0.3% | 40% | $635,000 | |
EMM Loans LLC
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Conventional, FHA | 2 | 0.3% | 100% | $400,000 | |
American Financial Resources LLC
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Conventional | 2 | 0.3% | 100% | $470,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, VA | 2 | 0.3% | 100% | $405,000 | View |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional, Jumbo | 2 | 0.3% | 100% | $630,000 | View |
Sage Home Loans Corporation
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Conventional | 2 | 0.3% | 100% | $580,000 | |
Howard Hanna Financial Services, Inc
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Conventional | 2 | 0.3% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, Jumbo | 2 | 0.3% | 100% | $535,000 | View |
Credit Union Mortgage Associat
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Conventional | 2 | 0.3% | 100% | $355,000 | |
Intercoastal Mortgage, LLC
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Conventional, VA, Jumbo | 2 | 0.3% | 100% | $730,000 | |
Nfm, Inc
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Conventional, FHA | 2 | 0.3% | 100% | $300,000 | |
Capital Center LLC
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Conventional | 2 | 0.3% | 66.7% | $540,000 | |
Churchill Mortgage Corporation
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Conventional | 2 | 0.3% | 100% | $635,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 2 | 0.3% | 100% | $405,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 0.3% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 2 | 0.3% | 100% | $1,020,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 1 +3 HELOCs |
0.2% | 100% | $115,000 | |
Pentagon Federal Credit Union
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VA, Jumbo, HELOC | 1 +2 HELOCs |
0.2% | 100% | $845,000 | |
AmWest Funding Corp
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $485,000 | View |
HomeBridge Financial Services, Inc
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VA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $385,000 | |
Cornerstone First Mortgage, LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,215,000 | |
Premier Mortgage Resources, LLC
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VA | 1 | 0.2% | 100% | $535,000 | |
Sharefax Credit Union
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Conventional | 1 | 0.2% | 100% | $595,000 | |
Liberty Federal Credit Union
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,035,000 | |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional | 1 | 0.2% | 100% | $505,000 | View |
Primelending
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Conventional | 1 | 0.2% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.2% | 100% | $805,000 | View |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.2% | 100% | $415,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.2% | 100% | $505,000 | |
Success Lending, LLC
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Conventional | 1 | 0.2% | 100% | $345,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $475,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.2% | 33.3% | $105,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 50% | $55,000 | View |
Bond Street Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $485,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 1 | 0.2% | 100% | $935,000 | View |
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A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.2% | 100% | $355,000 | View |
Filo Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $545,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.2% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
Success Mortgage Partners, Inc
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FHA | 1 | 0.2% | 100% | $205,000 | |
Bayshore Mortgage Funding
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,725,000 | |
Discover Bank
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Conventional | 1 | 0.2% | 33.3% | $205,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 0.10% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
Highlands Residential Mortgage, Ltd.
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Conventional | 1 | 0.2% | 100% | $555,000 | |
Service Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $655,000 | |
Calcon Mutual Mortgage LLC
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FHA | 1 | 0.2% | 100% | $135,000 | |
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A5.0 ★Texas Ratio: 6.10% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,235,000 | View |
New Day Financial, LLC.
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VA | 1 | 0.2% | 50% | $185,000 | |
Resource Financial Services, Inc.
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FHA | 1 | 0.2% | 100% | $335,000 | |
Peoples Mortgage Company
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Conventional | 1 | 0.2% | 100% | $465,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.2% | 100% | $365,000 | |
Embrace Home Loans, Inc.
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FHA | 1 | 0.2% | 100% | $295,000 | |
Provident Funding Associates
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Conventional | 1 | 0.2% | 100% | $125,000 | |
Integrity Home Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $375,000 | |
American Pacific Mortgage Corporation
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VA | 1 | 0.2% | 100% | $455,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.2% | 100% | $415,000 | |
Milend, Inc
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FHA | 1 | 0.2% | 100% | $525,000 | |
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A+5.0 ★Texas Ratio: 2.40% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
Bay Capital Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $435,000 | |
Towne Mortgage Company
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FHA | 1 | 0.2% | 100% | $135,000 | |
Digital Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 0.66% |
Conventional | 1 | 0.2% | 100% | $465,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $455,000 | View |
Keystone Funding, Inc
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Conventional | 1 | 0.2% | 100% | $455,000 | |
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A+5.0 ★Texas Ratio: 0.55% |
Conventional | 1 | 0.2% | 100% | $355,000 | View |
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A5.0 ★Texas Ratio: 7.41% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
United Nations Federal CU
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Conventional | 1 | 0.2% | 100% | $645,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.2% | 100% | $385,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.2% | 100% | $805,000 | |
Nexera Holding LLC
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Conventional, Jumbo | 1 | 0.2% | 100% | $965,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.2% | 100% | $685,000 | View |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,085,000 | View |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.2% | 100% | $635,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.2% | 100% | $775,000 | |
Top Flite Financial, Inc.
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Conventional | 1 | 0.2% | 100% | $345,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.2% | 100% | $595,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.2% | 100% | $335,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.19% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Apple Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 1.69% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Aberdeen Proving Ground FCU
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HELOC | 0 +1 HELOCs |
0% | n/a |
Oak Island 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 Oak Island, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Oak Island? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oak Island in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oak Island, NC
Use these to narrow the list above. Each category shows how many Oak Island, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Oak Island, NC
Independent mortgage companies closed 65.7 percent of home loans in Oak Island, North Carolina in 2025, banks 23.5 percent and credit unions 10.8 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 16 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 Oak Island, NC
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Oak Island, North Carolina with 16 loans, about 2.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Oak Island, North Carolina, DHI Mortgage Company, LTD. approved the highest share of completed applications in 2025 at 78.6 percent, against a 89.7 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 Oak Island, North Carolina in 2025, led by DHI Mortgage Company, LTD. with 34. 32 lenders closed VA loans, led by DHI Mortgage Company, LTD., and 3 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. 58 banks and 25 credit unions closed home loans in Oak Island, North Carolina in 2025, alongside 90 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 Oak Island, 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 Oak Island, 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 Oak Island. 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.
