Mortgage lenders in Carteret County
2,442 mortgages were made in Carteret County, North Carolina, in 2025, by 320 lenders. The median rate their borrowers got was 6.500% on a median loan of $285,000. Of 3,234 decisions, 676 were denials — 20.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| STATE EMPLOYEES' | 371 | 6.250% | $225,000 | 20.0% |
| First-Citizens Bank & Trust Company | 175 | 6.400% | $255,000 | 18.2% |
| Rocket Mortgage, LLC | 141 | 6.625% | $235,000 | 25.4% |
| Navy Federal Credit Union | 134 | 7.750% | $195,000 | 20.3% |
| Truist Bank | 105 | 6.600% | $205,000 | 35.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 63 | 6.125% | $335,000 | 15.4% |
| American Security Mortgage Corp. | 58 | 6.375% | $350,000 | 0.0% |
| Southern Bank and Trust Company | 56 | 7.000% | $335,000 | 7.8% |
| LOWER, LLC | 54 | 6.625% | $385,000 | 10.0% |
| CORPORATE INVESTORS MORTGAGE GROUP, INC | 49 | 6.625% | $365,000 | 0.0% |
| GUARANTEED RATE, INC. | 48 | 6.588% | $340,000 | 10.3% |
| DHI MORTGAGE COMPANY, LTD. | 45 | 5.058% | $305,000 | 9.8% |
| PENNYMAC LOAN SERVICES, LLC | 36 | 5.625% | $380,000 | 11.9% |
| FREEDOM MORTGAGE CORPORATION | 36 | 6.000% | $305,000 | 7.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 36 | 6.688% | $270,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 35 | 6.750% | $305,000 | 2.3% |
| Mortgage Research Center, LLC | 30 | 6.500% | $370,000 | 38.8% |
| CMG MORTGAGE, INC. | 29 | 6.750% | $305,000 | 15.4% |
| PNC Bank, National Association | 28 | 7.245% | $105,000 | 30.2% |
| First National Bank of Pennsylvania | 27 | 6.490% | $305,000 | 38.6% |
| NEWREZ LLC | 26 | 6.250% | $315,000 | 37.2% |
| First Bank | 26 | 7.000% | $320,000 | 18.8% |
| Bank of America, National Association | 25 | 6.375% | $205,000 | 30.6% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 21 | 9.500% | $125,000 | 32.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | 6.945% | $335,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 20 | 6.625% | $330,000 | 4.2% |
| COASTAL Federal Credit Union | 20 | 6.063% | $430,000 | 23.1% |
| FIRST FLIGHT | 18 | Not published | $80,000 | 17.4% |
| GUILD MORTGAGE COMPANY | 18 | 6.688% | $365,000 | 0.0% |
| Integrity Home Mortgage Corporation | 18 | 6.625% | $420,000 | 5.0% |
| Loandepot.Com, LLC | 16 | 6.438% | $115,000 | 38.5% |
| Providence Bank | 16 | Not published | $395,000 | 11.1% |
| NATIONSTAR MORTGAGE LLC | 15 | 9.125% | $85,000 | 6.3% |
| Wells Fargo Bank, National Association | 14 | 6.625% | $245,000 | 33.3% |
| Capital Bank, National Association | 14 | 6.375% | $335,000 | 6.7% |
| FIGURE LENDING LLC | 14 | 10.300% | $105,000 | 15.8% |
| Towne Bank | 14 | 6.813% | $480,000 | 6.7% |
| AmeriSave Mortgage Corporation | 13 | 6.625% | $145,000 | 72.9% |
| Fairway Independent Mortgage Corporation | 13 | 6.490% | $315,000 | 0.0% |
| SPRING EQ, LLC | 11 | 8.250% | $85,000 | 53.8% |
| JPMorgan Chase Bank, National Association | 11 | 6.500% | $525,000 | 15.4% |
| 21st Mortgage Corporation | 10 | 9.535% | $145,000 | 68.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 6.625% | $220,000 | 40.0% |
| The Fidelity Bank | 10 | 6.813% | $435,000 | 0.0% |
| THE LOAN STORE, INC. | 10 | 6.490% | $570,000 | 0.0% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 40.0% |
| Alcova Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Morgan Stanley Private Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| SWBC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| T2 FINANCIAL LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 46.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| North State Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 6 | Under 10 loans | Under 10 loans | 46.2% |
| LOCAL GOVERNMENT | 6 | Under 10 loans | Under 10 loans | 57.1% |
| Truliant Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 53.8% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| First Carolina Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 45.5% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Fifth Third Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TD Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Pinnacle Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 44.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 41.7% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Atlantic Coast Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Marine Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Neighborhood Mortgage Solutions | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST BANCORP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bank of England | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Union Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Regions Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| RADIUS FINANCIAL GROUP INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers & Merchants Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WEYCO COMMUNITY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESOURCE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| KS BANK, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAROLINAS TELCO FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GoPrime Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Aurora Financial, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ServisFirst Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 549300W6UP8EY0KSBG85 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Apple Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST UNITED CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JET HOMELOANS, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Conway National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Uwharrie Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISION LENDING SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Austin Bank, Texas National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 120 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Carteret County
18 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First-Citizens Bank & Trust Company | 5 | $584.8 million |
| Truist Bank | 4 | $443.3 million |
| Wells Fargo Bank, National Association | 2 | $288.4 million |
| First Bank | 2 | $125.4 million |
| TowneBank | 1 | $95.2 million |
| Providence Bank | 1 | $78.1 million |
| United Bank | 1 | $70.3 million |
| PNC Bank, National Association | 1 | $68.6 million |
| Woodforest National Bank | 1 | $4.6 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Dogwood State Bank, 5039 Executive Dr, Morehead City
Get told when this changes
When the next year’s lending figures are out for Carteret County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.