Licensed · Wilmington
Licensed & Insured Mortgage Brokers in Wilmington, NC
Every mortgage brokers listed here carries proper licensing and insurance in NC. Protect yourself — always verify credentials before work begins.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Wilmington, NC by verified customer ratings and review volume. The highest-rated is Patrick Stoy at CrossCountry Mortgage with a 5.0-star rating from 302 verified reviews. Also in the top tier: Alpha Mortgage Corporation and JD Terry at Rate (NMLS #455169). The average rating across all listed mortgage brokers in Wilmington is 5 stars from 113 reviews per business on average.
Mortgage brokers in Wilmington: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
5★
Avg rating
113
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Patrick Stoy at CrossCountry Mortgage
1908 Eastwood Rd Suites 217 & 219, Wilmington, NC 28403, USA
Alpha Mortgage Corporation
1320 Airlie Rd, Wilmington, NC 28403, USA
JD Terry at Rate (NMLS #455169)
1111 Military Cutoff Rd Suite 191, Wilmington, NC 28405, USA
Mortgage Brokers Rankings in Wilmington, NC
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Patrick Stoy at CrossCountry Mortgage1908 Eastwood Rd Suites 217 & 219, Wilmington, NC 28403, USA | 5.0★ | 302 |
| #2 | Alpha Mortgage Corporation1320 Airlie Rd, Wilmington, NC 28403, USA | 4.8★ | 321 |
| #3 | JD Terry at Rate (NMLS #455169)1111 Military Cutoff Rd Suite 191, Wilmington, NC 28405, USA | 5.0★ | 179 |
| #4 | Courtland Parnell - Southern Trust Mortgage NMLS# 14011881630 Military Cutoff Rd #104, Wilmington, NC 28403, USA | 5.0★ | 81 |
| #5 | Joey Milam Mortgage Team110 Dungannon Blvd Ste 100, Wilmington, NC 28403, USA | 5.0★ | 197 |
| #6 | Coastline Mortgage Consultants LLC215 Racine Dr STE 105, Wilmington, NC 28403, USA | 5.0★ | 80 |
| #7 | Tyler Duncan- Slam Dunc Team, Mortgage Lender1209 Culbreth Dr Suite 228, Wilmington, NC 28405, USA | 5.0★ | 92 |
| #8 | Dale Lacy | Southern Trust Mortgage1630 Military Cutoff Rd #104, Wilmington, NC 28403, USA | 5.0★ | 22 |
| #9 | Kelly Barnes Southern Trust Mortgage1630 Military Cutoff Rd #104, Wilmington, NC 28403, USA | 5.0★ | 26 |
| #10 | Highlands Residential Mortgage4130 Oleander Dr #105, Wilmington, NC 28403, USA | 5.0★ | 168 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Wilmington
Courtland Parnell - Southern Trust Mortgage NMLS# 1401188
1630 Military Cutoff Rd #104, Wilmington, NC 28403, USA
Joey Milam Mortgage Team
110 Dungannon Blvd Ste 100, Wilmington, NC 28403, USA
Coastline Mortgage Consultants LLC
215 Racine Dr STE 105, Wilmington, NC 28403, USA
Tyler Duncan- Slam Dunc Team, Mortgage Lender
1209 Culbreth Dr Suite 228, Wilmington, NC 28405, USA
Dale Lacy | Southern Trust Mortgage
1630 Military Cutoff Rd #104, Wilmington, NC 28403, USA
Kelly Barnes Southern Trust Mortgage
1630 Military Cutoff Rd #104, Wilmington, NC 28403, USA
Highlands Residential Mortgage
4130 Oleander Dr #105, Wilmington, NC 28403, USA
Drew Blakely - Garden City Mortgage - NMLS #2249772
5725 Oleander Dr Unit A-4, Wilmington, NC 28403, USA
Cornerstone Home Lending
5129 Oleander Dr STE 201, Wilmington, NC 28403, USA
Coastline Capital Mortgage, LLC
530 Causeway Dr # F1, Wrightsville Beach, NC 28480, USA
Kelly Jennings - Senior Mortgage Loan Officer NMLS 2003818 - Lower Local Mortgage
1608 Queen St Office #12, Wilmington, NC 28401, USA
The Sarah Newsome Team at Integrity Home Mortgage Corporation
4918 Oleander Dr, Wilmington, NC 28403, USA
Atlantic Coast Financial Services
4520 Fountain Dr, Wilmington, NC 28403, USA
Trust Mortgage: Wally Simpson, Mortgage Broker
1015 Ashes Dr # 107, Wilmington, NC 28403, USA
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Frequently Asked Questions — Mortgage Brokers in Wilmington
What does a mortgage broker do differently than going directly to a bank in Wilmington?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Wilmington?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in NC?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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