Mortgage Lenders and Brokers in Ocean Isle Beach, North Carolina
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Ocean Isle Beach, North Carolina mortgage lenders include First BankFirst Bank6303 Beach Dr Sw, Ocean Isle Beach, NC 28469A+5.0 ★Texas Ratio: 1.94%, Truist BankTruist Bank127 Causeway Dr, Ocean Isle Beach, NC 28469A+5.0 ★Texas Ratio: 2.87%, Coastal Carolina National BankCoastal Carolina National Bank6649 Beach Drive, Ocean Isle Beach, NC 28469A+5.0 ★Texas Ratio: 0.00%, State Employees' Credit UnionState Employees' Credit Union923 SEASIDE RD SW, OCEAN ISLE BEACH, NC 28469A-5.0 ★Texas Ratio: 14.13%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust351 N 1st St, Albemarle, NC 28001A5.0 ★Texas Ratio: 7.72%, First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%, Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, Coastal Federal Credit UnionCoastal Federal Credit UnionOlive Chapel Village #131, Apex, NC 27502A+5.0 ★Texas Ratio: 4.34%, and Southstate Bank, National AssociationSouthstate Bank, National Association192 E Woodrow Ave, Belmont, NC 28012A+5.0 ★Texas Ratio: 2.27%. 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 Ocean Isle Beach, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ocean Isle Beach are listed first, then lenders elsewhere in North Carolina, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Ocean Isle Beach, North Carolina
Market share is the lender's share of all home loans closed in Ocean Isle Beach, North Carolina. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Ocean Isle Beach 6303 Beach Dr Sw, Ocean Isle Beach, NC 28469 A+5.0 ★Texas Ratio: 1.94% |
Conventional, Jumbo, HELOC | 14 +6 HELOCs |
5.3% | 93.3% | $576,428 | View |
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★ 1 stars, 1 review 1 office in Ocean Isle Beach 127 Causeway Dr, Ocean Isle Beach, NC 28469 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 5 +7 HELOCs |
1.9% | 83.3% | $583,000 | View |
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1 office in Ocean Isle Beach 6649 Beach Drive, Ocean Isle Beach, NC 28469 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.4% | 100% | $375,000 | View |
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923 SEASIDE RD SW, OCEAN ISLE BEACH, NC 28469 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 14 +12 HELOCs |
5.3% | 78.9% | $369,285 | View |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo, HELOC | 9 +7 HELOCs |
3.4% | 90% | $897,222 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional, Jumbo, HELOC | 7 +5 HELOCs |
2.7% | 100% | $557,857 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 7 +4 HELOCs |
2.7% | 100% | $757,857 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 5 | 1.9% | 83.3% | $539,000 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional, Jumbo, HELOC | 4 +2 HELOCs |
1.5% | 100% | $2,210,000 | |
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★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27% |
Conventional, Jumbo | 3 | 1.1% | 100% | $948,333 | View |
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47560 Highway 12, Buxton, NC 27920 A+5.0 ★Texas Ratio: 2.15% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.8% | 100% | $895,000 | View |
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101 S Tryon St, Charlotte, NC 28280 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 2 +1 HELOCs |
0.8% | 100% | $220,000 | View |
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4064 Colony Rd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 3.08% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.8% | 100% | $1,130,000 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 2 | 0.8% | 100% | $675,000 | View |
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835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77% |
Conventional, Jumbo | 2 | 0.8% | 100% | $730,000 | View |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 2 | 0.8% | 40% | $505,000 | View |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 0.4% | 50% | $1,335,000 | View |
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3101 S Church St, Burlington, NC 27215 A+5.0 ★Texas Ratio: 2.51% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,005,000 | View |
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800 Highway 24 27 Bypass, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 0.72% |
Conventional | 1 | 0.4% | 100% | $265,000 | View |
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732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,245,000 | View |
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103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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192 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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506 Main St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 1.13% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Security Mortgage Cor
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Conventional, Jumbo | 2 | 0.8% | 100% | $905,000 | |
AgCarolina Farm Credit, ACA
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Conventional | 1 | 0.4% | 100% | $455,000 | |
Corporate Investors Mortgage G
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Conventional, Jumbo | 1 | 0.4% | 100% | $935,000 | |
Rocket Mortgage
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Conventional, FHA, Jumbo | 33 | 12.6% | 91.7% | $455,000 | |
Lennar Mortgage, LLC
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Conventional, FHA | 25 | 9.5% | 92.6% | $239,800 | |
United Wholesale Mortgage
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Conventional, VA, Jumbo | 12 | 4.6% | 85.7% | $636,666 | |
Pennymac Loan Services LLC
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Conventional, VA | 7 | 2.7% | 87.5% | $516,428 | |
Newrez LLC
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Conventional, Jumbo | 5 | 1.9% | 83.3% | $857,000 | |
The Loan Store, Inc
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Conventional, Jumbo, HELOC | 4 +1 HELOCs |
1.5% | 80% | $1,262,500 | |
Guaranteed Rate, Inc.
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Conventional, VA | 4 | 1.5% | 100% | $412,500 | |
Mortgage Research Center
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VA | 4 | 1.5% | 57.1% | $367,500 | |
Nfm, Inc
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Conventional, Jumbo | 3 | 1.1% | 100% | $645,000 | |
Atlantic Bay Mortgage Group
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Conventional, Jumbo | 3 | 1.1% | 100% | $805,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 3 | 1.1% | 100% | $898,333 | View |
Prosperity Home Mortgage, LLC
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Conventional, VA | 3 | 1.1% | 100% | $375,000 | |
Lower, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.8% | 100% | $365,000 | |
Sage Home Loans Corporation
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Conventional | 2 | 0.8% | 100% | $410,000 | |
ALCOVA Mortgage, LLC
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Conventional, FHA | 2 | 0.8% | 100% | $270,000 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 2 | 0.8% | 66.7% | $835,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 0.8% | 100% | $525,000 | |
Loansteady LLC
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Conventional, FHA | 2 | 0.8% | 100% | $250,000 | |
Movement Mortgage, LLC
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Conventional, Jumbo | 2 | 0.8% | 100% | $1,030,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 0.8% | 100% | $395,000 | View |
Integrity Home Mortgage Corporation
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Conventional | 2 | 0.8% | 100% | $195,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 0.8% | 100% | $320,000 | |
Fairway Independent Mort Corp
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Conventional, Jumbo | 2 | 0.8% | 66.7% | $1,255,000 | |
HomeBridge Financial Services, Inc
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Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.4% | 100% | $2,325,000 | |
Corning Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $355,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $155,000 | |
American Financial Resources LLC
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VA | 1 | 0.4% | 100% | $375,000 | |
Atlantic Coast Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $655,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,935,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.4% | 100% | $85,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.4% | 50% | $325,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $465,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.4% | 100% | $805,000 | View |
Guild Mortgage Company
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Conventional | 1 | 0.4% | 100% | $275,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.4% | 100% | $445,000 | |
Homestead Funding Corp.
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Conventional | 1 | 0.4% | 100% | $535,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.4% | 100% | $605,000 | View |
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A+5.0 ★Texas Ratio: 5.05% |
FHA | 1 | 0.4% | 100% | $295,000 | View |
Cmg Mortgage Inc
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Conventional | 1 | 0.4% | 100% | $355,000 | |
City 1st Mortgage Services, LC
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Conventional | 1 | 0.4% | 100% | $775,000 | |
Intercoastal Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $665,000 | |
Nation One Mortgage Corporatio
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Conventional | 1 | 0.4% | 100% | $385,000 | |
American Federal Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 0.10% |
Conventional, Jumbo | 1 | 0.4% | 100% | $935,000 | View |
Highlands Residential Mortgage, Ltd.
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Conventional | 1 | 0.4% | 100% | $725,000 | |
T2 Financial LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $2,775,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $155,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.4% | 100% | $155,000 | |
Andrew Johnson Bank
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Conventional, Jumbo | 1 | 0.4% | 100% | $955,000 | |
TowneBank
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Conventional, Jumbo | 1 | 0.4% | 50% | $2,205,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.4% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.4% | 100% | $155,000 | View |
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A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,665,000 | View |
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A+5.0 ★Texas Ratio: 2.55% |
Conventional | 1 | 0.4% | 100% | $445,000 | View |
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A+5.0 ★Texas Ratio: 2.41% |
Conventional | 1 | 0.4% | 100% | $305,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.4% | 100% | $515,000 | View |
United Nations Federal CU
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Conventional | 1 | 0.4% | 100% | $805,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.4% | 100% | $605,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.4% | 100% | $625,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.4% | 100% | $315,000 | View |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $775,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.4% | 33.3% | $25,000 | |
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A+5.0 ★Texas Ratio: 1.60% |
Conventional | 1 | 0.4% | 100% | $235,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.4% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.4% | 100% | $315,000 | View |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
loanDepot.com 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 | |
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A5.0 ★Texas Ratio: 8.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% |
Ocean Isle Beach Mortgage Rate Trends
Daily average mortgage rates for North Carolina compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Ocean Isle Beach, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Ocean Isle Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ocean Isle Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ocean Isle Beach, NC
Use these to narrow the list above. Each category shows how many Ocean Isle Beach, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Ocean Isle Beach, NC
Independent mortgage companies closed 58.8 percent of home loans in Ocean Isle Beach, North Carolina in 2025, banks 33.2 percent and credit unions 8 percent. American Security Mortgage Cor was the largest mortgage company, First Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, First Bank led with 14 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 Ocean Isle Beach, NC
By home loans closed in 2025, First Bank was the largest mortgage lender in Ocean Isle Beach, North Carolina with 14 loans, about 5.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Ocean Isle Beach, North Carolina in 2025, led by Rocket Mortgage with 2. 6 lenders closed VA loans, led by United Wholesale Mortgage. 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. 42 banks and 8 credit unions closed home loans in Ocean Isle Beach, 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 Ocean Isle Beach, North Carolina during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Ocean Isle Beach, North Carolina for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Ocean Isle Beach. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
