Pricing Guide · Wilmington
Mortgage Brokers Cost in Wilmington, NC — 2026 Price Guide
What should you pay for mortgage brokers in Wilmington? See real 2026 price ranges from local pros and get free quotes to compare.
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 | Kelly Jennings - Senior Mortgage Loan Officer NMLS 2003818 - Lower Local Mortgage1608 Queen St Office #12, Wilmington, NC 28401, USA | 5.0★ | 57 |
| #5 | The Sarah Newsome Team at Integrity Home Mortgage Corporation4918 Oleander Dr, Wilmington, NC 28403, USA | 5.0★ | 58 |
| #6 | Atlantic Coast Financial Services4520 Fountain Dr, Wilmington, NC 28403, USA | 5.0★ | 80 |
| #7 | Courtland Parnell - Southern Trust Mortgage NMLS# 14011881630 Military Cutoff Rd #104, Wilmington, NC 28403, USA | 5.0★ | 81 |
| #8 | Joey Milam Mortgage Team110 Dungannon Blvd Ste 100, Wilmington, NC 28403, USA | 5.0★ | 197 |
| #9 | Coastline Mortgage Consultants LLC215 Racine Dr STE 105, Wilmington, NC 28403, USA | 5.0★ | 80 |
| #10 | Tyler Duncan- Slam Dunc Team, Mortgage Lender1209 Culbreth Dr Suite 228, Wilmington, NC 28405, USA | 5.0★ | 92 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Wilmington
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
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
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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