If you have been financially impacted by the COVID-19 pandemic and are concerned with the ability to pay your mortgage, please see the FAQS for Homeowners Impacted by COVID-19 Pandemic for further information.

Mortgage Overview

The North Carolina Office of the Commissioner of Banks (NCCOB) regulates the following:

Mortgage Loan Originators

Mortgage Lenders and Brokers

Mortgage Servicers

Reverse Mortgages

Mortgage Originator Support Registration

Certain entities, primarily banks and credit unions, that are already regulated under a different set of laws can file a claim of exemption from licensure.