Mortgage Lenders and Brokers in Surf City, North Carolina
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Surf City, North Carolina mortgage lenders include State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-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 BankFirst Bank105 S Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 1.94%, First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%, Providence BankProvidence Bank300 Us Highway 17 N, Holly Ridge, NC 28445A+5.0 ★Texas Ratio: 0.81%, Bank of America NABank of America NA5496 Apex Peakway, Apex, NC 27502A+5.0 ★Texas Ratio: 4.14%, Marine Federal Credit UnionMarine Federal Credit Union1231 Birch St, Camp Lejeune, NC 28547 2529A5.0 ★Texas Ratio: 8.11%, Truist BankTruist Bank1803 N Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 2.87%, Coastal Federal Credit UnionCoastal Federal Credit UnionOlive Chapel Village #131, Apex, NC 27502A+5.0 ★Texas Ratio: 4.34%, and Southern Bank and Trust CompanySouthern Bank and Trust Company506 Main St E, Ahoskie, NC 27910A+5.0 ★Texas Ratio: 1.13%. 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 Surf City, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Surf City are listed first, then lenders elsewhere in North Carolina, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Surf City, North Carolina
Market share is the lender's share of all home loans closed in Surf City, North Carolina. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13% |
Conventional, Jumbo, HELOC | 17 +18 HELOCs |
3.8% | 85% | $459,117 | View |
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351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo, HELOC | 11 +14 HELOCs |
2.5% | 100% | $1,165,909 | View |
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105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional, HELOC | 6 +2 HELOCs |
1.4% | 85.7% | $548,333 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional, Jumbo, HELOC | 4 +4 HELOCs |
0.9% | 100% | $805,000 | View |
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300 Us Highway 17 N, Holly Ridge, NC 28445 A+5.0 ★Texas Ratio: 0.81% |
Conventional, Jumbo | 4 | 0.9% | 100% | $785,000 | View |
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5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +3 HELOCs |
0.7% | 100% | $661,666 | View |
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1231 Birch St, Camp Lejeune, NC 28547 2529 A5.0 ★Texas Ratio: 8.11% |
Conventional | 3 | 0.7% | 100% | $228,333 | 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 | 2 +6 HELOCs |
0.5% | 100% | $275,000 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
0.5% | 66.7% | $615,000 | |
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506 Main St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 1.13% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.5% | 100% | $610,000 | View |
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5306 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 2 | 0.5% | 50% | $1,220,000 | View |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $275,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $385,000 | View |
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47560 Highway 12, Buxton, NC 27920 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.2% | 100% | $385,000 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.2% | 100% | $95,000 | View |
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835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,505,000 | View |
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103 S Main St, Franklinton, NC 27525 A+5.0 ★Texas Ratio: 1.65% |
Conventional | 1 | 0.2% | 100% | $685,000 | View |
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121 W Trade St Ste 1150, Charlotte, NC 28202 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.2% | 100% | $235,000 | View |
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1815 Kildaire Farm Rd, Cary, NC 27518 A+5.0 ★Texas Ratio: 3.28% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
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1117 Parkside Main St, Cary, NC 27519 A+5.0 ★Texas Ratio: 2.98% |
Conventional | 1 | 0.2% | 100% | $505,000 | View |
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★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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804 E Williams St, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.02% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
American Security Mortgage Cor
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Conventional, VA | 4 | 0.9% | 100% | $582,500 | |
Corporate Investors Mortgage G
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Conventional | 2 | 0.5% | 100% | $455,000 | |
Goprime Mortgage, Inc.
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Conventional, USDA | 2 | 0.5% | 100% | $265,000 | |
AAFMAA Mortgage Services LLC
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Conventional | 1 | 0.2% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 3.12% |
Conventional, Jumbo | 1 | 0.2% | 100% | $995,000 | View |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 39 +1 HELOCs |
8.8% | 83% | $392,179 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 20 | 4.5% | 75.9% | $310,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 18 +4 HELOCs |
4.1% | 66.7% | $273,333 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 18 +1 HELOCs |
4.1% | 81.8% | $460,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 18 | 4.1% | 100% | $480,000 | |
Newrez LLC
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Conventional, FHA, VA, Jumbo | 15 | 3.4% | 78.9% | $472,333 | |
Freedom Mortgage Corporation
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FHA, VA | 14 | 3.2% | 100% | $428,571 | |
Mortgage Research Center
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Conventional, VA | 14 | 3.2% | 82.4% | $372,857 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 13 | 2.9% | 100% | $285,000 | |
Integrity Home Mortgage Corporation
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Conventional, FHA, VA | 12 | 2.7% | 100% | $364,166 | |
Atlantic Bay Mortgage Group
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Conventional, Jumbo | 11 | 2.5% | 100% | $422,272 | |
Guaranteed Rate, Inc.
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Conventional, VA, Jumbo | 10 | 2.3% | 100% | $599,000 | |
T2 Financial LLC
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Conventional, FHA, VA | 10 | 2.3% | 100% | $323,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA, Jumbo | 9 | 2% | 81.8% | $542,777 | |
Intercoastal Mortgage, LLC
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Conventional, VA, Jumbo | 7 | 1.6% | 100% | $585,000 | |
Lower, LLC
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Conventional, VA | 7 | 1.6% | 100% | $369,285 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 7 | 1.6% | 77.8% | $386,428 | |
Loansteady LLC
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Conventional, VA | 6 | 1.4% | 100% | $391,666 | |
Guild Mortgage Company
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Conventional, FHA | 5 | 1.1% | 100% | $443,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA, Jumbo | 5 | 1.1% | 83.3% | $521,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 5 | 1.1% | 55.6% | $363,000 | |
The Loan Store, Inc
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Conventional, HELOC | 4 +1 HELOCs |
0.9% | 100% | $435,000 | |
Corning Credit Union
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Conventional, HELOC | 3 +14 HELOCs |
0.7% | 66.7% | $415,000 | |
American Financial Resources LLC
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Conventional, FHA | 3 | 0.7% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 3 | 0.7% | 100% | $678,333 | View |
Planet Home Lending, LLC
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Conventional, VA | 3 | 0.7% | 60% | $138,333 | |
Provident Funding Associates
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Conventional | 3 | 0.7% | 100% | $431,666 | |
Reliance First Capital, LLC
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Conventional, FHA, VA | 3 | 0.7% | 100% | $428,333 | |
Village Capital & Investment
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FHA, VA | 3 | 0.7% | 75% | $358,333 | |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional | 2 | 0.5% | 100% | $220,000 | View |
Residential Wholesale Mortgage
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Conventional, VA | 2 | 0.5% | 100% | $395,000 | |
Amerisave Mortgage Company
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Conventional, VA | 2 | 0.5% | 40% | $265,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional, FHA | 2 | 0.5% | 100% | $225,000 | View |
Nfm, Inc
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Conventional | 2 | 0.5% | 100% | $425,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.5% | 100% | $320,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 2 | 0.5% | 100% | $500,000 | View |
TowneBank
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Conventional, VA | 2 | 0.5% | 100% | $370,000 | |
Zillow Home Loans, LLC
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FHA, VA | 2 | 0.5% | 100% | $405,000 | |
Prosperity Home Mortgage, LLC
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FHA, VA | 2 | 0.5% | 66.7% | $265,000 | |
Mutual of Omaha Mortgage
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Conventional | 2 | 0.5% | 66.7% | $360,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 0.5% | 100% | $225,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 0.5% | 100% | $560,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional, Jumbo | 2 | 0.5% | 100% | $560,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $165,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.2% | 33.3% | $115,000 | |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $285,000 | |
EMM Loans LLC
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VA | 1 | 0.2% | 100% | $255,000 | |
Equity Resources Inc
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Conventional | 1 | 0.2% | 100% | $345,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.2% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 5.16% |
Conventional | 1 | 0.2% | 100% | $755,000 | View |
Royal United Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $75,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.2% | 100% | $605,000 | View |
Affordable Mortgage Advisors
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Conventional | 1 | 0.2% | 100% | $525,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.2% | 100% | $695,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.2% | 40% | $455,000 | |
Nbkc Bank
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VA | 1 | 0.2% | 100% | $405,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $335,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.2% | 100% | $455,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.2% | 100% | $375,000 | View |
PHH Mortgage Corporation
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VA | 1 | 0.2% | 100% | $355,000 | |
AdvantageFirst Lending Inc
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VA | 1 | 0.2% | 100% | $285,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.2% | 100% | $705,000 | |
Acre Mortgage & Financial, Inc.
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.2% | 100% | $485,000 | |
East Coast Capital Corp.
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Conventional | 1 | 0.2% | 100% | $155,000 | |
Network Capital Funding Corporation
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Conventional | 1 | 0.2% | 100% | $335,000 | |
Kwik Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $695,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional | 1 | 0.2% | 100% | $285,000 | |
First Heritage Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $595,000 | |
Calcon Mutual Mortgage LLC
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FHA | 1 | 0.2% | 100% | $395,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 100% | $225,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $705,000 | |
Nations Lending Corporation
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VA | 1 | 0.2% | 100% | $185,000 | |
Harborone Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $345,000 | |
BoxCar Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $435,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $455,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.2% | 50% | $185,000 | |
Hanscom Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $335,000 | |
Towne Mortgage Company
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Conventional | 1 | 0.2% | 100% | $195,000 | |
Radius Financial Group Inc
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,365,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,185,000 | View |
Keystone Funding, Inc
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Conventional | 1 | 0.2% | 100% | $785,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,275,000 | View |
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A+5.0 ★Texas Ratio: 2.91% |
Conventional | 1 | 0.2% | 100% | $405,000 | View |
Southwest Stage Funding LLC
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FHA | 1 | 0.2% | 100% | $165,000 | |
Mortgage Investors Group
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Conventional | 1 | 0.2% | 100% | $355,000 | |
21St Mortgage
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Conventional | 1 | 0.2% | 33.3% | $75,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
Paramount Residential Mortgage
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VA | 1 | 0.2% | 100% | $465,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.2% | 50% | $55,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.2% | 100% | $765,000 | View |
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A+5.0 ★Texas Ratio: 1.78% |
Conventional | 1 | 0.2% | 100% | $515,000 | View |
Tomo Mortgage LLC
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Conventional | 1 | 0.2% | 50% | $365,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.2% | 100% | $575,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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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 |
Surf City Mortgage Rate Trends
Daily average mortgage rates for North Carolina compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Surf City, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Surf City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Surf City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Surf City, NC
Use these to narrow the list above. Each category shows how many Surf City, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Surf City, NC
Independent mortgage companies closed 72.9 percent of home loans in Surf City, North Carolina in 2025, banks 16.7 percent and credit unions 10.4 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, State Employees' Credit Union led with 17 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 Surf City, NC
By home loans closed in 2025, State Employees' Credit Union was the largest mortgage lender in Surf City, North Carolina with 17 loans, about 3.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
22 lenders closed FHA loans in Surf City, North Carolina in 2025, led by CrossCountry Mortgage, LLC with 5. 35 lenders closed VA loans, led by Freedom Mortgage Corporation, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 40 banks and 10 credit unions closed home loans in Surf City, North Carolina in 2025, alongside 78 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 Surf City, North Carolina during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Surf City, North Carolina for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Surf City. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
