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David Joyner
VP, Mortgage Sales Manager | NMLS # 116874
As an experienced lender, David Joyner is readily available to guide you through the home financing process. David has 20 years of experience in the industry and is a 4-time Chairman’s Club Winner. He is experienced in working with first-ti...... Show More
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9 AM to 5 PM
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Reviews from Web
Working with David was awesome. He was quite thorough and patient with us and took time to explain the mechanics of the Construction Loan to Morthgage process (our first time doing a construction to permanent). His staff, with Becky and Dixie...
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Reply from David Joyner
November 7th, 2025 04:03 PM
Rob, We really enjoyed working with you and we are excited to see the progress on your new home! We will be seeing you around soon! Thank you!
David and Becky were absolutely fantastic when it came to our many questions! Their guidance, expertise , and care were early evident.
Reply from David Joyner
June 30th, 2026 03:00 PM
Thank you, Cait! We really enjoyed working with you on your new beach home!! We hope to see you around! Congratulations!!
Professional team, super organized and supportive
Reply from David Joyner
July 3rd, 2026 01:32 PM
Your positive feedback brightened our day! We're here whenever you need assistance in the future.
David was very friendly and accommodating. He made the mortgage process easy and was always there when we had any questions.
Reply from Owner
June 24th, 2026 02:12 PM
Thank you, Kristin! I hope you enjoy your new home. We greatly appreciate your business!
David was very friendly and accommodating. He made the mortgage process easy and was always there when we had any questions.
Reply from David Joyner
June 30th, 2026 01:12 PM
Your review encourages us to keep delivering outstanding service. We're just a phone call away if you ever need assistance.
David was great to work with and made our buying experience easy. He kept us informed every step of the way.
Reply from David Joyner
June 24th, 2026 02:56 PM
It was great working with you Charles! We hope you enjoy your new home! Stay in touch!
Communication, speed, ease of portal, everyone was so nice and helpful helping us navigate a change in circumstances. 1,000 stars!
Reply from David Joyner
June 24th, 2026 02:57 PM
It was great working with you again Porsche! We greatly appreciate your business! Thank you!
David and team jumped through hoops and made our mortgage experience the best one I've had yet!
Reply from David Joyner
June 23rd, 2026 07:03 PM
Thank you for sharing your positive experience. We're honored to be your trusted mortgage advisors.
Towne Bank was fantastic to do business with especially David Joyner!
Reply from Owner
June 23rd, 2026 08:33 PM
Thanks for choosing me as your OBX Mortgage loan officer! I am always here for your mortgage needs!
Matt and I were extremely pleased with ALL of the services Towne Bank provided.David was very communicative and extremely forthcoming with everything we needed to know and do to purchase a second home 6.5 hours away.Also, when we opened an...
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Reply from David Joyner
June 5th, 2026 06:00 PM
Matt and Brian,
Thank you so much for allowing me to assist you with your new second home purchase on the Outer Banks! I am very excited for you two. I hope to see you around the beach. Stay in touch!
David
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About
As an experienced lender, David Joyner is readily available to guide you through the home financing process. David has 20 years of experience in the industry and is a 4-time Chairman’s Club Winner. He is experienced in working with first-time buyers and self-employed buyers, as well as those looking to purchase a second home or investment property. Whether you are purchasing your first home, an investment home, refinancing or just need mortgage advice, David’s industry knowledge ensures you will find the best loan to meet your individual home buying needs. David is an active member of his community, serving as past president of the Kitty Hawk Rotary as well as, being a member of the Outer Banks Association of Realtors.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Specialities
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Adjustable-Rate Mortgages (ARMs)
Fixed-Rate Mortgages
Reverse Mortgages
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Search Rank ScoreLearn More →
644
/850
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Positions
- TowneBank - Area Sales Manager, Sr. Loan OfficerJan 1st, 2018 - Current
Memberships
- Outer Banks Association of Realtors
- Outer Banks Home Builders Association
- Kitty Rotary
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2002
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS # 116874
Awards
Hobbies
- Golf
- Fishing
Disclaimer
TowneBank Mortgage. NMLS 512138. Equal Housing Lender.
TowneBank Mortgage is your hometown mortgage company. As a division of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. TowneBank Mortgage is dedicated to providing the personal experience that you expect from a hometown lender with the most advanced technology available to offer affordable loans, quick processing and exceptional service.
Being a hometown lender means fast approval and a team of mortgage professionals who are committed to you. TowneBank Mortgage mortgage loan officers live in your communities and know the area.
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