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Mortgage Lenders and Brokers in Wilmington, North Carolina

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Wilmington, North Carolina mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust3624 S College Rd, Wilmington, NC 28412A5.0 ★Texas Ratio: 7.72%, First National Bank of PAFirst National Bank of PA2506 Independence Blvd, Wilmington, NC 28412A+5.0 ★Texas Ratio: 1.62%, Truist BankTruist Bank301 S College Rd, Wilmington, NC 28403A+5.0 ★Texas Ratio: 2.87%, North State BankNorth State Bank1411 Commonwealth Dr, Wilmington, NC 28403A+5.0 ★Texas Ratio: 1.77%, Wells Fargo Bank NAWells Fargo Bank NA590 S College Rd, Wilmington, NC 28403A+5.0 ★Texas Ratio: 5.36%, First BankFirst Bank5102 S College Rd, Wilmington, NC 28412A+5.0 ★Texas Ratio: 1.94%, Southern Bank and Trust CompanySouthern Bank and Trust Company6752 Rock Spring Rd, Wilmington, NC 28405A+5.0 ★Texas Ratio: 1.13%, Bank of America NABank of America NA1325 Military Cutoff Rd, Wilmington, NC 28405A+5.0 ★Texas Ratio: 4.14%, PNC Bank N.A.PNC Bank N.A.2026 Eastwood Rd, Wilmington, NC 28403A+5.0 ★Texas Ratio: 4.24%, and Paragon BankParagon Bank6752 Parker Farm Drive, Wilmington, NC 28405A+5.0 ★Texas Ratio: 3.21%. 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 Wilmington, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Wilmington 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 Wilmington, North Carolina

Market share is the lender's share of all home loans closed in Wilmington, 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
First Ciitizens Bank and Trust 7 offices in Wilmington 3624 S College Rd, Wilmington, NC 28412 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo, HELOC	52 +123 HELOCs	2.7%	80.9%	$479,615	View
First National Bank of PA 3 offices in Wilmington 2506 Independence Blvd, Wilmington, NC 28412 A+5.0 ★Texas Ratio: 1.62%	Conventional, Jumbo, HELOC	45 +34 HELOCs	2.4%	90%	$560,333	View
Truist Bank ★ 1 stars, 1 review 5 offices in Wilmington 301 S College Rd, Wilmington, NC 28403 A+5.0 ★Texas Ratio: 2.87%	Conventional, VA, Jumbo, HELOC	31 +54 HELOCs	1.6%	97%	$787,580	View
North State Bank 1 office in Wilmington 1411 Commonwealth Dr, Wilmington, NC 28403 A+5.0 ★Texas Ratio: 1.77%	Conventional, FHA, Jumbo	30	1.6%	100%	$383,000	View
Wells Fargo Bank NA 7 offices in Wilmington 590 S College Rd, Wilmington, NC 28403 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	23	1.2%	85.2%	$369,782	View
First Bank 5 offices in Wilmington 5102 S College Rd, Wilmington, NC 28412 A+5.0 ★Texas Ratio: 1.94%	Conventional, Jumbo, HELOC	13 +13 HELOCs	0.7%	100%	$548,846	View
Southern Bank and Trust Company 1 office in Wilmington 6752 Rock Spring Rd, Wilmington, NC 28405 A+5.0 ★Texas Ratio: 1.13%	Conventional, Jumbo, HELOC	10 +18 HELOCs	0.5%	100%	$472,000	View
Bank of America NA 3 offices in Wilmington 1325 Military Cutoff Rd, Wilmington, NC 28405 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	9 +44 HELOCs	0.5%	64.3%	$501,666	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3 offices in Wilmington 2026 Eastwood Rd, Wilmington, NC 28403 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	8 +34 HELOCs	0.4%	100%	$370,000	View
Paragon Bank 1 office in Wilmington 6752 Parker Farm Drive, Wilmington, NC 28405 A+5.0 ★Texas Ratio: 3.21%	Conventional, Jumbo	8	0.4%	88.9%	$430,000	View
Fifth Third Bank, National Association 1 office in Wilmington 5201 College Road, Wilmington, NC 28405 A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo, HELOC	7 +10 HELOCs	0.4%	77.8%	$587,857	View
First Carolina Bank 1 office in Wilmington 5815 Oleander Dr, Wilmington, NC 28403 A+5.0 ★Texas Ratio: 4.89%	Conventional, Jumbo	7	0.4%	100%	$810,714	View
TD Bank 1 office in Wilmington 802 S College Rd, Wilmington, NC 28403 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	6 +4 HELOCs	0.3%	100%	$891,666	View
United Bank Va 3 offices in Wilmington 115 N 3rd St, Wilmington, NC 28401 A+5.0 ★Texas Ratio: 2.15%	Conventional, FHA, Jumbo	5	0.3%	100%	$875,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 2 offices in Wilmington 3701 Shipyard Blvd, Wilmington, NC 28403 A+5.0 ★Texas Ratio: 2.27%	Conventional, HELOC	3 +19 HELOCs	0.2%	100%	$391,666	View
United Community Bank 1 office in Wilmington 901 Military Cutoff Rd, Wilmington, NC 28405 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$105,000	View
State Employees' Credit Union 3500 Converse Rd, WILMINGTON, NC 28403 6198 A-5.0 ★Texas Ratio: 14.13%	Conventional, Jumbo, HELOC	135 +126 HELOCs	7.1%	84%	$359,666	View
JPMorgan Chase Bank, NA 1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	31 +5 HELOCs	1.6%	79.5%	$453,387	View
Coastal Federal Credit Union Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34%	Conventional, HELOC	9 +12 HELOCs	0.5%	100%	$452,777
Regions Bank 1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37%	Conventional, Jumbo	7	0.4%	100%	$540,714	View
Ameris Bank ★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82%	Conventional	5	0.3%	100%	$313,000	View
US Bank, N.A. 8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	4 +3 HELOCs	0.2%	66.7%	$1,722,500	View
First Horizon Bank ★ 5 stars, 1 review 5361 Us Highway 158, Advance, NC 27006 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.2%	100%	$655,000	View
Marine Federal Credit Union 1039 S College Rd Ste 106, Wilmington, NC 28403 4434 A5.0 ★Texas Ratio: 8.11%	Conventional	2	0.1%	100%	$175,000	View
Allegacy Federal Credit Union 128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$265,000	View
Carter Bank and Trust 500 E Morehead St Ste 150, Charlotte, NC 28202 A5.0 ★Texas Ratio: 7.55%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$65,000	View
Huntington National Bank 101 S Tryon St, Charlotte, NC 28280 A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	1	0.1%	100%	$1,035,000	View
Pinnacle Bank 103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04%	Conventional, Jumbo	1	0.1%	100%	$1,115,000	View
Carolinas Telco FCU 2821 Crisman St, Charlotte, NC 28208 A+5.0 ★Texas Ratio: 3.27%	Conventional	1	0.1%	100%	$355,000	View
Coastal Carolina National Bank 6649 Beach Drive, Ocean Isle Beach, NC 28469 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$345,000	View
Ks Bank, Inc. 6374 Deans St, Bailey, NC 27807 A+5.0 ★Texas Ratio: 1.78%	Conventional	1	0.1%	100%	$235,000	View
Piedmont Federal Savings Bank 1399 Blowing Rock Rd, Boone, NC 28607 A+5.0 ★Texas Ratio: 0.60%	Conventional, Jumbo	1	0.1%	100%	$1,235,000	View
Latino Community Credit Union 104 NC 54 Ste KK, Carrboro, NC 27510 A5.0 ★Texas Ratio: 6.08%	Conventional	1	0.1%	100%	$135,000	View
Weyco Community Credit Union 316 NC Hwy 149 N, Plymouth, NC 27962 A5.0 ★Texas Ratio: 12.95%	Conventional	1	0.1%	100%	$405,000	View
Civic FCU 929 N Front St, Wilmington, NC 28401 F1.0 ★Texas Ratio: 75.00%	HELOC	0 +9 HELOCs	0%	0%		View
Truliant Federal Credit Union 1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43%	HELOC	0 +2 HELOCs	0%	0%		View
Atlantic Union Bank 3101 S Church St, Burlington, NC 27215 A+5.0 ★Texas Ratio: 2.51%	HELOC	0 +1 HELOCs	0%	n/a		View
Flagstar Bank NA 121 W Trade St Ste 1150, Charlotte, NC 28202 D3.3 ★Texas Ratio: 35.11%	HELOC	0 +1 HELOCs	0%	0%		View
American Security Mortgage Cor	Conventional, FHA, VA, Jumbo	15	0.8%	100%	$411,666
Corporate Investors Mortgage G	Conventional	3	0.2%	100%	$268,333
Deephaven Mortgage LLC	Conventional, Jumbo	2	0.1%	100%	$755,000
Goprime Mortgage, Inc.	Conventional	2	0.1%	100%	$325,000
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional	1	0.1%	100%	$405,000	View
Rocket Mortgage	Conventional, FHA, VA, Jumbo, HELOC	172 +1 HELOCs	9%	87.9%	$271,511
Atlantic Bay Mortgage Group	Conventional, FHA, VA, Jumbo	83	4.4%	100%	$448,012
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	77 +2 HELOCs	4%	97.5%	$437,337
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	71 +4 HELOCs	3.7%	91.1%	$392,323
Corning Credit Union	Conventional, Jumbo, HELOC	70 +122 HELOCs	3.7%	92.1%	$446,285
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	65 +6 HELOCs	3.4%	97%	$472,538
Loansteady LLC	Conventional, FHA, VA, Jumbo	57	3%	100%	$386,929
Pulte Mortgage LLC	Conventional, VA	55	2.9%	93.2%	$361,181
Newrez LLC	Conventional, FHA, VA, Jumbo	43	2.3%	88%	$281,511
TowneBank	Conventional, FHA, VA, Jumbo	35	1.8%	97.2%	$427,571
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	32 +14 HELOCs	1.7%	84.2%	$313,125
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	28 +1 HELOCs	1.5%	100%	$318,571
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	28	1.5%	85.7%	$437,500
Integrity Home Mortgage Corporation	Conventional, FHA, VA	27	1.4%	96.9%	$340,555
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA, VA	18	0.9%	100%	$331,111	View
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional, FHA, VA	18	0.9%	100%	$358,888	View
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	18	0.9%	100%	$286,666
Freedom Mortgage Corporation	Conventional, FHA, VA	17	0.9%	91.3%	$344,411
Nationstar Mortgage	Conventional, FHA, VA	15	0.8%	72.7%	$283,666
Mortgage Research Center	Conventional, FHA, VA	15	0.8%	66.7%	$356,333
Lower, LLC	Conventional, FHA, VA	15	0.8%	100%	$378,333
loanDepot.com LLC	Conventional, FHA, VA, HELOC	12 +4 HELOCs	0.6%	85.7%	$265,000
Highlands Residential Mortgage, Ltd.	Conventional, FHA, Jumbo	11	0.6%	100%	$515,000
Union Home Mortgage Corp.	Conventional, VA, Jumbo, HELOC	10 +1 HELOCs	0.5%	100%	$355,000
EMM Loans LLC	Conventional, FHA, VA, Jumbo	10	0.5%	100%	$392,000
Amerisave Mortgage Company	Conventional, VA	10	0.5%	33.3%	$126,000
Intercoastal Mortgage, LLC	Conventional, FHA	10	0.5%	100%	$353,000
Fairway Independent Mort Corp	Conventional, FHA, VA, Jumbo	10	0.5%	100%	$480,000
American Financial Resources LLC	Conventional, FHA, VA	9	0.5%	100%	$317,222
Provident Funding Associates	Conventional	9	0.5%	90%	$443,888
T2 Financial LLC	Conventional, FHA, VA	9	0.5%	100%	$396,111
BoxCar Mortgage, LLC	Conventional, FHA, VA, Jumbo	9	0.5%	100%	$328,333
Mutual of Omaha Mortgage	Conventional, VA	9	0.5%	75%	$339,444
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo, HELOC	8 +1 HELOCs	0.4%	100%	$722,500	View
First Heritage Mortgage, LLC	Conventional, VA	8	0.4%	100%	$363,750
Vanderbilt Mortgage and Finance, Inc	Conventional, FHA	8	0.4%	34.8%	$415,000
The Loan Store, Inc	Conventional, FHA, HELOC	7 +3 HELOCs	0.4%	100%	$265,000
Everett Financial, Inc.	Conventional, FHA, HELOC	7 +1 HELOCs	0.4%	100%	$306,428
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional, VA, Jumbo	7	0.4%	100%	$405,000	View
Capital City Home Loans, LLC	Conventional	7	0.4%	100%	$315,000
New Day Financial, LLC.	VA	7	0.4%	53.8%	$355,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	7	0.4%	53.8%	$310,714	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	7	0.4%	70%	$286,428	View
Reliance First Capital, LLC	Conventional, FHA	7	0.4%	100%	$150,714
Cmg Mortgage Inc	Conventional, FHA, HELOC	6 +1 HELOCs	0.3%	100%	$381,666
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, Jumbo	6	0.3%	100%	$495,000	View
Mortgage Assurance Inc	Conventional	6	0.3%	100%	$318,333
Resource Financial Services, Inc.	Conventional, FHA	6	0.3%	100%	$378,333
Spring Eq, LLC	Conventional, HELOC	5 +3 HELOCs	0.3%	40%	$111,000
All Credit Considered Mortgage, Inc.	Conventional	5	0.3%	100%	$271,000
ALCOVA Mortgage, LLC	Conventional, VA, Jumbo	5	0.3%	100%	$723,000
Zillow Home Loans, LLC	Conventional	5	0.3%	100%	$307,000
Carrington Mortgage Services LLC	Conventional, FHA, VA	5	0.3%	70%	$211,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	4 +4 HELOCs	0.2%	66.7%	$247,500	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, HELOC	4 +1 HELOCs	0.2%	100%	$580,000	View
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional, FHA, VA	4	0.2%	100%	$345,000	View
New Wave Lending Group Inc	Conventional	4	0.2%	100%	$365,000
Capital Center LLC	Conventional, FHA	4	0.2%	100%	$460,000
Southern Trust Mortgage, LLC A4.7 ★Texas Ratio: 0.83%	Conventional	4	0.2%	100%	$452,500	View
Planet Home Lending, LLC	Conventional, FHA, VA	4	0.2%	100%	$312,500
Excite Credit Union	Conventional	4	0.2%	80%	$250,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	4	0.2%	100%	$775,000	View
Tomo Mortgage LLC	Conventional	4	0.2%	100%	$322,500
HomeBridge Financial Services, Inc	Conventional, VA, HELOC	3 +3 HELOCs	0.2%	75%	$311,666
Pentagon Federal Credit Union	Conventional, FHA, VA, HELOC	3 +3 HELOCs	0.2%	100%	$305,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	3	0.2%	100%	$448,333	View
Cornerstone First Mortgage, LLC	Conventional, Jumbo	3	0.2%	100%	$1,265,000
Tidewater Mortgage Services, Inc	Conventional	3	0.2%	100%	$248,333
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	3	0.2%	100%	$2,188,333	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	3	0.2%	100%	$631,666	View
Gold Star Mortgage Financial Group, Corporation	Conventional	3	0.2%	100%	$505,000
Lakeview Loan Servicing, LLC	Conventional	3	0.2%	33.3%	$81,666
Rev Federal Credit Union	Conventional	3	0.2%	100%	$381,666
New American Funding, LLC.	Conventional	3	0.2%	60%	$318,333
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	3	0.2%	100%	$405,000	View
United Nations Federal CU	Conventional	3	0.2%	75%	$438,333
Better Mortgage Corporation	Conventional, HELOC	2 +4 HELOCs	0.1%	40%	$180,000
Northwest Federal Credit Union A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	2 +1 HELOCs	0.1%	66.7%	$45,000	View
Canopy Mortgage, LLC	Conventional, VA	2	0.1%	100%	$425,000
Equity Prime Mortgage LLC	FHA	2	0.1%	100%	$285,000
Howard Hanna Financial Services, Inc	Conventional, FHA	2	0.1%	100%	$555,000
AmeriHome Mortgage Company, LLC	Conventional, FHA	2	0.1%	100%	$330,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.1%	100%	$450,000	View
C&F Mortgage Corporation A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	2	0.1%	100%	$345,000	View
Guild Mortgage Company	Conventional	2	0.1%	66.7%	$285,000
First Home Mortgage A+5.0 ★Texas Ratio: 0.00%	Conventional	2	0.1%	100%	$480,000	View
Acu	Conventional	2	0.1%	100%	$375,000
Ivy Mortgage, Inc.	Conventional	2	0.1%	100%	$255,000
Churchill Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$220,000
Embrace Home Loans, Inc.	Conventional	2	0.1%	100%	$315,000
American Pacific Mortgage Corporation	Conventional	2	0.1%	100%	$260,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	2	0.1%	100%	$350,000	View
Radius Financial Group Inc	Conventional, VA, Jumbo	2	0.1%	100%	$1,390,000
Citadel Servicing Corporation	Conventional	2	0.1%	100%	$485,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	2	0.1%	100%	$1,090,000	View
Nations Direct Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$175,000
Nmsi, Inc.	Conventional	2	0.1%	100%	$555,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	2	0.1%	100%	$705,000	View
Paramount Residential Mortgage	Conventional, VA	2	0.1%	100%	$320,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	2	0.1%	100%	$405,000	View
University Federal Credit Union A+5.0 ★Texas Ratio: 3.82%	Conventional, Jumbo	2	0.1%	100%	$670,000	View
Village Capital & Investment	FHA, VA	2	0.1%	71.4%	$365,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$335,000	View
Total Mortgage Services, LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$395,000
Bank of England A5.0 ★Texas Ratio: 6.45%	Conventional	1	0.1%	100%	$645,000	View
Arc Home LLC	Conventional	1	0.1%	100%	$165,000
Genisys Credit Union	Conventional, Jumbo	1	0.1%	100%	$1,385,000
Anderson Brothers Bank A5.0 ★Texas Ratio: 6.06%	Conventional	1	0.1%	100%	$155,000	View
Equity Resources Inc	Conventional	1	0.1%	100%	$125,000
Bank of Canton A+5.0 ★Texas Ratio: 4.22%	Conventional	1	0.1%	100%	$215,000	View
Originpoint, LLC	Conventional, Jumbo	1	0.1%	100%	$965,000
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 3.36%	Conventional	1	0.1%	100%	$385,000	View
Guaranteed Rate Affinity, LLC	Conventional	1	0.1%	100%	$555,000
Royal United Mortgage LLC	Conventional	1	0.1%	50%	$155,000
Atlantic Coast Mortgage, LLC	Conventional	1	0.1%	100%	$445,000
Primary Residential Mortgage, INC.	Conventional	1	0.1%	100%	$595,000
Wesbanco Bank, Inc. A+5.0 ★Texas Ratio: 3.87%	Conventional, Jumbo	1	0.1%	100%	$1,365,000	View
Goodleap, LLC	FHA	1	0.1%	66.7%	$275,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$445,000
Nbkc Bank	Conventional	1	0.1%	100%	$295,000
Acrisure Mortgage, LLC	VA	1	0.1%	100%	$245,000
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	FHA	1	0.1%	100%	$265,000	View
United Trust Bank	VA	1	0.1%	100%	$215,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$655,000	View
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$395,000
Neighborhood Mortgage Solutions, LLC	Conventional	1	0.1%	100%	$405,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$515,000	View
AdvantageFirst Lending Inc	Conventional	1	0.1%	50%	$215,000
General Mortgage Capital Corporation	Conventional	1	0.1%	100%	$585,000
Fidelity Direct Mortgage, LLC	Conventional	1	0.1%	100%	$435,000
Homestead Funding Corp.	Conventional	1	0.1%	100%	$415,000
Renasant Bank A+5.0 ★Texas Ratio: 4.72%	Conventional, Jumbo	1	0.1%	100%	$985,000	View
Valon Mortgage A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	33.3%	$115,000	View
Discover Bank	Conventional	1	0.1%	9.1%	$35,000
Nation One Mortgage Corporatio	FHA	1	0.1%	100%	$325,000
East Coast Capital Corp.	Conventional	1	0.1%	100%	$195,000
Network Capital Funding Corporation	Conventional	1	0.1%	100%	$195,000
Schumacher Mortgage LLC	Conventional	1	0.1%	100%	$645,000
VanDyk Mortgage Corporation	Conventional	1	0.1%	100%	$245,000
Mid-Continent Funding, Inc.	VA	1	0.1%	100%	$285,000
Calcon Mutual Mortgage LLC	FHA	1	0.1%	100%	$315,000
Oceanfirst Bank A+5.0 ★Texas Ratio: 5.26%	Conventional	1	0.1%	100%	$105,000	View
Delta Community Credit Union	Conventional	1	0.1%	100%	$345,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	33.3%	$205,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$165,000	View
The Freedom Bank of Virginia C+4.2 ★Texas Ratio: 24.99%	Conventional	1	0.1%	50%	$455,000	View
Encompass Lending Group, L.P.	Conventional	1	0.1%	100%	$275,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$55,000	View
First Commonwealth Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$405,000	View
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$285,000	View
Together Credit Union	Conventional	1	0.1%	100%	$185,000
Community First National Bank A+5.0 ★Texas Ratio: 1.41%	VA	1	0.1%	100%	$385,000	View
Rapid Mortgage Company	Conventional	1	0.1%	100%	$305,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	100%	$315,000	View
First Federal Bank A+5.0 ★Texas Ratio: 2.80%	Conventional	1	0.1%	100%	$285,000	View
Acopia, LLC	Conventional	1	0.1%	100%	$665,000
Stockton Mortgage Corporation A+5.0 ★Texas Ratio: 0.21%	Conventional	1	0.1%	100%	$265,000	View
Mission Loans, LLC	Conventional	1	0.1%	100%	$165,000
Bay Capital Mortgage Corporation	FHA	1	0.1%	100%	$435,000
Towne Mortgage Company	Conventional	1	0.1%	100%	$165,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$465,000	View
Sente Mortgage, Inc.	FHA	1	0.1%	100%	$215,000
Pike Creek Mortgage Services, Inc.	Conventional	1	0.1%	100%	$175,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$405,000	View
First Community Bank A+5.0 ★Texas Ratio: 3.36%	Conventional	1	0.1%	100%	$225,000	View
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$355,000
Legacy Home Loans, LLC A+5.0 ★Texas Ratio: 4.25%	Conventional	1	0.1%	100%	$345,000	View
Mortgage Solutions of Colorado	FHA	1	0.1%	100%	$315,000
Shore United Bank, N.A. A5.0 ★Texas Ratio: 9.61%	Conventional	1	0.1%	100%	$365,000	View
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$175,000
Red River Bank A+5.0 ★Texas Ratio: 0.70%	Conventional	1	0.1%	100%	$385,000	View
Thrivent Bank	Conventional	1	0.1%	100%	$35,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	100%	$485,000	View
21St Mortgage	Conventional	1	0.1%	100%	$55,000
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	50%	$205,000
Texana Bank	VA	1	0.1%	100%	$255,000
First Technology Federal Credit Union	Conventional	1	0.1%	100%	$215,000
Mason-McDuffie Mortgage Corporation	FHA	1	0.1%	100%	$355,000
Plaza Home Mortgage, Inc	FHA	1	0.1%	33.3%	$385,000
Ark-La-Tex Financial Services LLC	Conventional	1	0.1%	100%	$185,000
Top Flite Financial, Inc.	FHA	1	0.1%	100%	$335,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	100%	$785,000	View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +14 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +13 HELOCs	0%	n/a
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +9 HELOCs	0%	n/a		View
Sharonview Federal CU	HELOC	0 +7 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Bank Ozk	HELOC	0 +2 HELOCs	0%	n/a
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Tower Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Bank Fund Staff Federal Credit	HELOC	0 +1 HELOCs	0%	n/a
Hsbc Bank USA, NA A+5.0 ★Texas Ratio: 4.86%	HELOC	0 +1 HELOCs	0%	n/a		View
Affinity Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Nasa Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
City National Bank A+5.0 ★Texas Ratio: 5.55%	HELOC	0 +1 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Wilmington Mortgage Rate Trends

Daily average mortgage rates for North Carolina compared with the national average, updated every evening.

30-Year Fixed NC Avg

7.431%

▲ 0.109 vs 7 days ago

15-Year Fixed NC Avg

6.986%

▲ 0.082 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Wilmington, North Carolina

Looking for mortgage lenders near me or mortgage brokers near me in Wilmington? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Wilmington in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Wilmington, NC

Use these to narrow the list above. Each category shows how many Wilmington, NC lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 125 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 84 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 32 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 57 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 51 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 54 lenders. Loans above the conforming limit for higher priced homes Local lenders based in NC 21 lenders headquartered in North Carolina, the closest thing to a mortgage lender near you

Who Lends in Wilmington, NC

Independent mortgage companies closed 59.7 percent of home loans in Wilmington, North Carolina in 2025, banks 25.8 percent and credit unions 14.5 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 52 loans.

59.7%

Mortgage companies

25.8%

Banks

14.5%

Credit unions

FHA loans

VA 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

All North Carolina lenders 1,003 lenders Charlotte 471 lenders Raleigh 368 lenders Durham 327 lenders Greensboro 278 lenders Fayetteville 241 lenders Winston-Salem 268 lenders Cary 268 lenders Concord 235 lenders Fuquay-Varina 224 lenders Apex 197 lenders Gastonia 197 lenders High Point 204 lenders

Frequently Asked Questions About Mortgage Lenders in Wilmington, NC

Who is the largest mortgage lender in Wilmington, NC?

By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in Wilmington, North Carolina with 52 loans, about 2.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Wilmington, NC have the highest approval rates?

Among lenders with meaningful volume in Wilmington, North Carolina, Atlantic Bay Mortgage Group approved the highest share of completed applications in 2025 at 100 percent, against a 88.3 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.

Which Wilmington, NC mortgage lenders offer FHA, VA and USDA loans?

57 lenders closed FHA loans in Wilmington, North Carolina in 2025, led by Rocket Mortgage with 14. 51 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.

Are credit unions and local banks included in this Wilmington, NC lender list?

Yes. 84 banks and 32 credit unions closed home loans in Wilmington, North Carolina in 2025, alongside 125 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.

How are mortgage lenders in Wilmington, NC ranked on this page?

Lenders are ranked only by the number of home loans they closed in Wilmington, 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 Wilmington, 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 Wilmington. 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.