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 July 2026, RatingsNearMe ranks 20 mortgage brokers in Wilmington, NC by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Patrick Stoy at CrossCountry Mortgage with a 5.0-star rating from 302 Google reviews and an RNM Score of 100/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Trust Mortgage: Wally Simpson, Mortgage Broker
Trust Mortgage stands out due to Wally Simpson's reputation for personalized service and strong local expertise in the Wilmington market.
Most Reviewed
Trust Mortgage: Wally Simpson, Mortgage Broker
A high review count indicates a proven track record of client satisfaction and reliability over time.
When choosing a mortgage broker in Wilmington, consider interviewing multiple lenders to compare rates and services, and always check recent reviews to gauge current customer experiences.
Local Market Snapshot
20
Businesses listed
5★
Avg rating
113
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by hundreds of local clients, this broker holds a flawless 5.0-star rating.
1908 Eastwood Rd Suites 217 & 219, Wilmington, NC 28403, USA4.8 stars from over 300 reviews makes this Wilmington mortgage broker a standout choice.
1320 Airlie Rd, Wilmington, NC 28403, USA5.0★ mortgage broker in Wilmington with hundreds of glowing Google reviews.
1111 Military Cutoff Rd Suite 191, Wilmington, NC 28405, USAMortgage 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 | The Sarah Newsome Team at Integrity Home Mortgage Corporation4918 Oleander Dr, Wilmington, NC 28403, USA | 5.0★ | 58 |
| #5 | Cornerstone Home Lending5129 Oleander Dr STE 201, Wilmington, NC 28403, USA | 5.0★ | 23 |
| #6 | Atlantic Coast Financial Services4520 Fountain Dr, Wilmington, NC 28403, USA | 5.0★ | 80 |
| #7 | Drew Blakely - Garden City Mortgage - NMLS #22497725725 Oleander Dr Unit A-4, Wilmington, NC 28403, USA | 5.0★ | 128 |
| #8 | Trust Mortgage: Wally Simpson, Mortgage Broker1015 Ashes Dr # 107, Wilmington, NC 28403, USA | 4.9★ | 113 |
| #9 | Kelly Barnes Southern Trust Mortgage1630 Military Cutoff Rd #104, Wilmington, NC 28403, USA | 5.0★ | 26 |
| #10 | Kelly Jennings - Senior Mortgage Loan Officer NMLS 2003818 - Lower Local Mortgage1608 Queen St Office #12, Wilmington, NC 28401, USA | 5.0★ | 57 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Wilmington
Wilmington mortgage broker maintains a perfect 5.0-star rating from 58 Google reviews.
4918 Oleander Dr, Wilmington, NC 28403, USA
5.0 stars from 23 Google reviews, reflecting consistent client satisfaction.
5129 Oleander Dr STE 201, Wilmington, NC 28403, USA
Rated 5.0 stars from 80 Google reviews, this Wilmington mortgage broker is highly trusted.
4520 Fountain Dr, Wilmington, NC 28403, USA
Wilmington's top-rated mortgage broker with a perfect 5.0-star rating from 128 reviews.
5725 Oleander Dr Unit A-4, Wilmington, NC 28403, USA
Earning a 4.9-star rating from 113 Google reviews in Wilmington.
1015 Ashes Dr # 107, Wilmington, NC 28403, USA
5.0 stars from 26 reviews, reflecting consistently outstanding client experiences locally.
1630 Military Cutoff Rd #104, Wilmington, NC 28403, USA
Boasts a perfect 5.0-star rating from 57 Google reviews in Wilmington.
1608 Queen St Office #12, Wilmington, NC 28401, USA
Top-rated Wilmington mortgage broker with a perfect 5.0-star rating from 22 reviews.
1630 Military Cutoff Rd #104, Wilmington, NC 28403, USA
Trusted Wilmington broker rated 4.8 stars from 17 local reviews.
8024 Market St #10, Wilmington, NC 28411, USA
Wilmington's top-rated mortgage broker with a perfect 5.0★ rating from nearly 200 reviews.
110 Dungannon Blvd Ste 100, Wilmington, NC 28403, USA
A trusted Wilmington lender with 80 perfect 5.0-star Google reviews from local clients.
215 Racine Dr STE 105, Wilmington, NC 28403, USA
Rated 5.0 stars from 92 Google reviews, a trusted local choice.
1209 Culbreth Dr Suite 228, Wilmington, NC 28405, USA
Top-rated Wilmington mortgage broker with 5.0 stars from hundreds of reviews.
1022 Ashes Dr, Wilmington, NC 28405, USA
Earns a perfect 5.0-star rating from over 80 local Google reviews.
1630 Military Cutoff Rd #104, Wilmington, NC 28403, USA
Trusted Wilmington mortgage broker with a perfect 5.0★ rating from over 160 reviews.
4130 Oleander Dr #105, Wilmington, NC 28403, USA
Earned a perfect 5.0-star rating from 50 local Google reviews.
530 Causeway Dr # F1, Wrightsville Beach, NC 28480, USA
Wilmington's top-rated mortgage broker with a perfect 5.0 stars from 87 reviews.
1213 Culbreth Dr #126, Wilmington, NC 28405, USA
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Mortgage Brokers in Wilmington, NC — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Patrick Stoy at CrossCountry Mortgage | 100/100 | 5.0 ★ | 302 |
| 2 | Alpha Mortgage Corporation | 97/100 | 4.8 ★ | 321 |
| 3 | JD Terry at Rate (NMLS #455169) | 98/100 | 5.0 ★ | 179 |
| 4 | The Sarah Newsome Team at Integrity Home Mortgage Corporation | 92/100 | 5.0 ★ | 58 |
| 5 | Cornerstone Home Lending | 87/100 | 5.0 ★ | 23 |
| 6 | Atlantic Coast Financial Services | 94/100 | 5.0 ★ | 80 |
| 7 | Drew Blakely - Garden City Mortgage - NMLS #2249772 | 88/100 | 5.0 ★ | 128 |
| 8 | Trust Mortgage: Wally Simpson, Mortgage Broker | 82/100 | 4.9 ★ | 113 |
| 9 | Kelly Barnes Southern Trust Mortgage | 88/100 | 5.0 ★ | 26 |
| 10 | Kelly Jennings - Senior Mortgage Loan Officer NMLS 2003818 - Lower Local Mortgage | 92/100 | 5.0 ★ | 57 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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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: July 4, 2026.
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