Mortgage Lenders and Brokers in Sunset 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
Sunset Beach, North Carolina mortgage lenders include Bank of America NABank of America NA7455 High Market St, Sunset Beach, NC 28468A+5.0 ★Texas Ratio: 4.14%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust800 Sunset Blvd N, Sunset Beach, NC 28468A5.0 ★Texas Ratio: 7.72%, United Bank VaUnited Bank Va840 Sunset Blvd N, Sunset Beach, NC 28468A+5.0 ★Texas Ratio: 2.15%, 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%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.8334 Pineville Matthews Rd, Charlotte, NC 28226A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, and Regions BankRegions Bank1045 Providence Rd, Charlotte, NC 28207A+5.0 ★Texas Ratio: 4.37%. 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 Sunset Beach, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sunset 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 Sunset Beach, North Carolina
Market share is the lender's share of all home loans closed in Sunset 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 Sunset Beach 7455 High Market St, Sunset Beach, NC 28468 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 5 +5 HELOCs |
2% | 83.3% | $383,000 | View |
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1 office in Sunset Beach 800 Sunset Blvd N, Sunset Beach, NC 28468 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 2 +6 HELOCs |
0.8% | 100% | $570,000 | View |
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1 office in Sunset Beach 840 Sunset Blvd N, Sunset Beach, NC 28468 A+5.0 ★Texas Ratio: 2.15% |
Conventional, HELOC | 1 +4 HELOCs |
0.4% | 100% | $245,000 | View |
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1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 13 +8 HELOCs |
5.1% | 86.7% | $274,230 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 12 +5 HELOCs |
4.7% | 75% | $378,333 | View |
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★ 1 stars, 1 review 1803 N Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 5 +14 HELOCs |
2% | 66.7% | $325,000 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 5 | 2% | 100% | $351,000 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +1 HELOCs |
0.8% | 66.7% | $375,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.8% | 100% | $365,000 | View |
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1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 2 | 0.8% | 100% | $355,000 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional | 2 | 0.8% | 100% | $250,000 | |
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★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 2 | 0.8% | 100% | $330,000 | View |
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105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional, HELOC | 1 +5 HELOCs |
0.4% | 100% | $805,000 | View |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $105,000 | View |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
Conventional | 1 | 0.4% | 100% | $385,000 | View |
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101 S Tryon St, Charlotte, NC 28280 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.4% | 100% | $515,000 | View |
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3101 S Church St, Burlington, NC 27215 A+5.0 ★Texas Ratio: 2.51% |
Conventional | 1 | 0.4% | 100% | $525,000 | View |
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★ 5 stars, 1 review 301 N Walnut St, Fairmont, NC 28340 A+5.0 ★Texas Ratio: 1.73% |
Conventional | 1 | 0.4% | 100% | $195,000 | View |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
Conventional | 1 | 0.4% | 100% | $765,000 | View |
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732 Main St, Andrews, NC 28901 A+5.0 ★Texas Ratio: 2.97% |
Conventional | 1 | 0.4% | 50% | $315,000 | View |
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★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.4% | 100% | $185,000 | 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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128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25% |
HELOC | 0 +1 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 +1 HELOCs |
0% | n/a | View | |
American Security Mortgage Cor
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Conventional | 1 | 0.4% | 100% | $215,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.4% | 100% | $245,000 | |
Rocket Mortgage
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Conventional, VA | 23 | 9% | 82.1% | $198,043 | |
Nvr Mortgage Finance, Inc.
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Conventional, VA | 22 | 8.6% | 84.6% | $342,272 | |
Guaranteed Rate, Inc.
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Conventional | 7 | 2.7% | 100% | $379,285 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 7 | 2.7% | 100% | $462,142 | |
United Wholesale Mortgage
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Conventional, FHA | 6 | 2.3% | 100% | $268,333 | |
Newrez LLC
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Conventional, FHA | 6 | 2.3% | 85.7% | $246,666 | |
CrossCountry Mortgage, LLC
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Conventional | 6 | 2.3% | 100% | $360,000 | |
DHI Mortgage Company, LTD.
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Conventional | 5 | 2% | 83.3% | $217,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional, VA | 4 | 1.6% | 80% | $272,500 | View |
Kind Lending, LLC
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Conventional | 4 | 1.6% | 100% | $362,500 | |
Jet HomeLoans, LP
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Conventional, FHA | 4 | 1.6% | 100% | $235,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 4 | 1.6% | 66.7% | $207,500 | |
21St Mortgage
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Conventional | 4 | 1.6% | 80% | $105,000 | |
American Financial Network, Inc.
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Conventional | 3 | 1.2% | 100% | $188,333 | |
Lennar Mortgage, LLC
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Conventional, FHA | 3 | 1.2% | 100% | $175,000 | |
Corning Credit Union
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Conventional | 3 | 1.2% | 100% | $325,000 | |
Mortgage Research Center
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Conventional, VA | 3 | 1.2% | 60% | $381,666 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 1.2% | 100% | $251,666 | View |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional, VA | 2 | 0.8% | 100% | $275,000 | View |
Freedom Mortgage Corporation
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Conventional, VA | 2 | 0.8% | 100% | $180,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 2 | 0.8% | 100% | $500,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 0.8% | 50% | $125,000 | |
Guild Mortgage Company
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Conventional, VA | 2 | 0.8% | 100% | $465,000 | |
Carolina Trust Federal Credit Union
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Conventional | 2 | 0.8% | 100% | $475,000 | |
Intercoastal Mortgage, LLC
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Conventional | 2 | 0.8% | 100% | $340,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 0.8% | 100% | $205,000 | |
Homeowners Financial Group, LLC
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Conventional | 2 | 0.8% | 100% | $500,000 | |
Provident Funding Associates
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Conventional | 2 | 0.8% | 100% | $390,000 | |
T2 Financial LLC
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Conventional, VA | 2 | 0.8% | 100% | $230,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.8% | 100% | $470,000 | View |
Nationstar Mortgage
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Conventional | 2 | 0.8% | 100% | $355,000 | |
TowneBank
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Conventional | 2 | 0.8% | 100% | $245,000 | |
New American Funding, LLC.
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Conventional | 2 | 0.8% | 100% | $160,000 | |
Reliance First Capital, LLC
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FHA | 2 | 0.8% | 100% | $275,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.4% | 50% | $125,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 33.3% | $575,000 | View |
EMM Loans LLC
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Conventional | 1 | 0.4% | 100% | $265,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.4% | 100% | $205,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.4% | 100% | $475,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.4% | 100% | $355,000 | View |
Sage Home Loans Corporation
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Conventional | 1 | 0.4% | 100% | $525,000 | |
Envoy Mortgage, Ltd
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VA | 1 | 0.4% | 100% | $325,000 | |
Equity Prime Mortgage LLC
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Conventional | 1 | 0.4% | 50% | $245,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $535,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.4% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 13.21% |
FHA | 1 | 0.4% | 100% | $405,000 | View |
Cmg Mortgage Inc
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Conventional | 1 | 0.4% | 100% | $495,000 | |
Lookout Credit Union
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Conventional | 1 | 0.4% | 100% | $405,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 100% | $75,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.4% | 100% | $205,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.4% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.4% | 100% | $255,000 | View |
Eastman Credit Union
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Conventional | 1 | 0.4% | 100% | $225,000 | |
Real Genius LLC
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Conventional | 1 | 0.4% | 100% | $225,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $325,000 | |
New Day Financial, LLC.
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VA | 1 | 0.4% | 100% | $495,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.4% | 100% | $345,000 | View |
Resource Financial Services, Inc.
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Conventional | 1 | 0.4% | 100% | $305,000 | |
Encompass Lending Group, L.P.
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Conventional | 1 | 0.4% | 100% | $205,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.4% | 100% | $245,000 | |
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B4.4 ★Texas Ratio: 21.68% |
FHA | 1 | 0.4% | 100% | $285,000 | View |
Better Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $205,000 | |
V.I.P. Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $475,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.4% | 100% | $655,000 | View |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.4% | 100% | $175,000 | View |
Nationwide Mortgage Bankers, Inc.
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Conventional | 1 | 0.4% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 3.10% |
Conventional | 1 | 0.4% | 100% | $335,000 | View |
Lower, LLC
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Conventional | 1 | 0.4% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
Compass Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $285,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.4% | 100% | $225,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.4% | 100% | $455,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.4% | 33.3% | $115,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.4% | 100% | $565,000 | View |
Tomo Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $475,000 | |
Village Capital & Investment
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VA | 1 | 0.4% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Philadelphia Federal Credit Un
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HELOC | 0 +1 HELOCs |
0% | n/a |
Sunset 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 Sunset Beach, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Sunset Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sunset Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sunset Beach, NC
Use these to narrow the list above. Each category shows how many Sunset Beach, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Sunset Beach, NC
Independent mortgage companies closed 61.3 percent of home loans in Sunset Beach, North Carolina in 2025, banks 27.3 percent and credit unions 11.3 percent. American Security Mortgage Cor was the largest mortgage company, Bank of America NA 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 2 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 Sunset Beach, NC
By home loans closed in 2025, Bank of America NA was the largest mortgage lender in Sunset Beach, North Carolina with 5 loans, about 2 percent of the market. The largest lender headquartered in North Carolina was First Ciitizens Bank and Trust with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in Sunset Beach, North Carolina in 2025, led by United Wholesale Mortgage with 2. 16 lenders closed VA loans, led by Rocket 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. 37 banks and 13 credit unions closed home loans in Sunset Beach, North Carolina in 2025, alongside 57 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 Sunset 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 Sunset 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 Sunset 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.
