Best Value · Wilmington
Affordable Mortgage Brokers in Wilmington, NC
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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 5, 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 5, 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 | Cornerstone Home Lending5129 Oleander Dr STE 201, Wilmington, NC 28403, USA | 5.0★ | 23 |
| #5 | Trust Mortgage: Wally Simpson, Mortgage Broker1015 Ashes Dr # 107, Wilmington, NC 28403, USA | 4.9★ | 113 |
| #6 | Kelly Jennings - Senior Mortgage Loan Officer NMLS 2003818 - Lower Local Mortgage1608 Queen St Office #12, Wilmington, NC 28401, USA | 5.0★ | 57 |
| #7 | Atlantic Coast Financial Services4520 Fountain Dr, Wilmington, NC 28403, USA | 5.0★ | 80 |
| #8 | Dale Lacy | Southern Trust Mortgage1630 Military Cutoff Rd #104, Wilmington, NC 28403, USA | 5.0★ | 22 |
| #9 | Port City Mortgage8024 Market St #10, Wilmington, NC 28411, USA | 4.8★ | 17 |
| #10 | Joey Milam Mortgage Team110 Dungannon Blvd Ste 100, Wilmington, NC 28403, USA | 5.0★ | 197 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Wilmington
5.0 stars from 23 Google reviews, reflecting consistent client satisfaction.
5129 Oleander Dr STE 201, Wilmington, NC 28403, USA
Earning a 4.9-star rating from 113 Google reviews in Wilmington.
1015 Ashes Dr # 107, 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
Rated 5.0 stars from 80 Google reviews, this Wilmington mortgage broker is highly trusted.
4520 Fountain Dr, Wilmington, NC 28403, 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
Wilmington mortgage broker maintains a perfect 5.0-star rating from 58 Google reviews.
4918 Oleander 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
5.0 stars from 26 reviews, reflecting consistently outstanding client experiences locally.
1630 Military Cutoff Rd #104, Wilmington, NC 28403, 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 | Cornerstone Home Lending | 87/100 | 5.0 ★ | 23 |
| 5 | Trust Mortgage: Wally Simpson, Mortgage Broker | 82/100 | 4.9 ★ | 113 |
| 6 | Kelly Jennings - Senior Mortgage Loan Officer NMLS 2003818 - Lower Local Mortgage | 92/100 | 5.0 ★ | 57 |
| 7 | Atlantic Coast Financial Services | 94/100 | 5.0 ★ | 80 |
| 8 | Dale Lacy | Southern Trust Mortgage | 87/100 | 5.0 ★ | 22 |
| 9 | Port City Mortgage | 82/100 | 4.8 ★ | 17 |
| 10 | Joey Milam Mortgage Team | 90/100 | 5.0 ★ | 197 |
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 5, 2026.
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