It's your career.  What are you waiting for?

At Coastal Mortgage, we pride ourselves at being the best at what we do.  We have worked long and hard to achieve the place that we hold in our markets and in our industry as a whole.  See our company highlights and some of the more pertinent factors behind our success below. 

We are always willing to talk to prospective loan originators who are highly motivated to join an organization with the most advantages in the market.  We can teach you and suggest all of the techniques and make available all the tools that can make success come easier.  The one thing we cannot instill is the desire to succeed.  That is the one ingredient that the candidate must bring to the table.  If you have a winning attitude, a genuine desire to succeed, are looking for the best environment to foster and encourage that drive to success, then it is time for us to talk.  Call us or email us.

Important Coastal Highlights

Coastal Mortgage is the Carolinas largest independent mortgage bank, headquartered in Charlotte, NC and founded in 1985.

Mortgage Lending Operations in 11 states: NC, SC, VA, GA, FL, TN, KY, AL, LA, MS, IN

Retail Lending offered through Coastal Mortgage in all states licensed  ? offices in Charlotte, South Park, and Cary

Wholesale Lending offered to approved Mortgage Brokers in all states licensed through our Coastal Funding Group division located in Greensboro, NC

Internet Lending in GA, FL, VA, TN, & AL through our eWorld Lending division

Approved FNMA Seller/Servicer

Approved FHLMC Seller/Servicer

Approved HUD Mortgagee

Approved VA mortgagee and LAPP-approved lender

Member of Better Business Bureau since 1989 and BBB Online since 1999

Why Choose Coastal?

  We are a Mortgage Bank, not a mortgage broker.

Although Coastal began operations as a mortgage broker, our rapid evolution to a mortgage banker gave us early advantages in command and control of our lending process from beginning to end.  Coastal is the Lender, using our warehouse lines of credit to fund our loans.  Coastal?s Marketing Department prepares and price sheets, locks our loans, pools loans into mortgage-backed securities, or delivers our loans to investors on a best-efforts basis.  Coastal processors process the loans we close.  Coastal underwriters (or local contract underwriters) underwrite our loans.  Coastal?s Closing Department prepares closing packages and clears funding conditions. These facts give Coastal control all vital areas of the loan process.  Mortgage brokers have very little control over their loans as they are only a matchmaker to put a borrower and a Lender together for a fee. 

  We offer the widest product menu and most competitive interest rates in the marketplace.

Although we have been a mortgage bank for many years, our early days as a mortgage broker instilled in us an emphasis on the variety of products and competitiveness of price as our method in capturing market share.  As stated in our company philosophy, our only purpose is to give the client the widest choice of products at the best possible price.  Our closing volumes are substantial enough for us to be able to command the best pricing available from investors.  Our Marketing Department has the experience and expertise to securitize our mortgage production into mortgage-backed securities to put a sharper edge on our overall mortgage pricing structure.  In short, our ability as a Seller/ Servicer, often gives our loan originator a better price on our loan products than our competitor?s can offer.  Our commitment to the widest product menu available means that the types of niche products and their various combinations are nearly endless. 

  Stability, Reputation, and Experience.

For twenty years, Coastal Mortgage has built our reputation on price, products, and most of all, service.  We are a service industry.  To make the client?s experience meaningful and memorable, the long experience of our key managers plays an important role.  All of our branch managers have been with Coastal Mortgage for at least eight years.  Our Cary office has been in the same location since 1990 and headed by the same manager.  Our Durham office has been headed by the same manager since 1989.  Our Rock Hill office has been headed by the same manager since 1991.  Our Charlotte branch has been headed by the same manager since 1993.  Lake Norman has had the same leader since 1999.  It is rare to find these lengths of service in the mortgage industry.  Each of branch managers is a leader in their own right.  This underscores the importance that our personnel have in our past and continued success as an organization and to you as a prospective loan originator.

An Important Choice

Take a long look at the advantages that an industry leader like Coastal Mortgage has to offer and compare them to others.  We believe your choice will be an easy one.

We look forward to a more in-depth discussion to explore your qualifications and answer your questions about our company.