Mortgage Lenders and Brokers in Kernersville, North Carolina
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Kernersville, North Carolina mortgage lenders include Truist BankTruist Bank237 E Mountain St, Kernersville, NC 27284A+5.0 ★Texas Ratio: 2.87%, First National Bank of PAFirst National Bank of PA230 E Mountain St, Kernersville, NC 27284A+5.0 ★Texas Ratio: 1.62%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust134 S Main St, Kernersville, NC 27284A5.0 ★Texas Ratio: 7.72%, Bank of America NABank of America NA205 E Mountain St, Kernersville, NC 27284A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA221 E Mountain St, Kernersville, NC 27284A+5.0 ★Texas Ratio: 5.36%, The Fidelity BankThe Fidelity Bank163 S Main St, Kernersville, NC 27284A+5.0 ★Texas Ratio: 3.02%, Pinnacle BankPinnacle Bank211 Broad St, Kernersville, NC 27284A+5.0 ★Texas Ratio: 3.04%, Piedmont Federal Savings BankPiedmont Federal Savings Bank505 Pineview Dr, Kernersville, NC 27284A+5.0 ★Texas Ratio: 0.60%, First Horizon BankFirst Horizon Bank1000 S Main St, Kernersville, NC 27284A+5.0 ★Texas Ratio: 5.76%, and PNC Bank N.A.PNC Bank N.A.823 S Main St, Kernersville, NC 27284A+5.0 ★Texas Ratio: 4.24%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Kernersville, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Kernersville are listed first, then lenders elsewhere in North Carolina, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Kernersville, North Carolina
Market share is the lender's share of all home loans closed in Kernersville, North Carolina. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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★ 1 stars, 1 review 2 offices in Kernersville 237 E Mountain St, Kernersville, NC 27284 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA, VA, HELOC | 15 +20 HELOCs |
1.7% | 100% | $329,000 | View |
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1 office in Kernersville 230 E Mountain St, Kernersville, NC 27284 A+5.0 ★Texas Ratio: 1.62% |
Conventional, VA, HELOC | 10 +2 HELOCs |
1.1% | 83.3% | $332,000 | View |
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1 office in Kernersville 134 S Main St, Kernersville, NC 27284 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 9 +16 HELOCs |
1% | 90.9% | $190,555 | View |
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1 office in Kernersville 205 E Mountain St, Kernersville, NC 27284 A+5.0 ★Texas Ratio: 4.14% |
Conventional, VA, HELOC | 7 +8 HELOCs |
0.8% | 87.5% | $247,857 | View |
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1 office in Kernersville 221 E Mountain St, Kernersville, NC 27284 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 5 | 0.6% | 83.3% | $195,000 | View |
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1 office in Kernersville 163 S Main St, Kernersville, NC 27284 A+5.0 ★Texas Ratio: 3.02% |
Conventional, HELOC | 4 +9 HELOCs |
0.4% | 80% | $250,000 | View |
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1 office in Kernersville 211 Broad St, Kernersville, NC 27284 A+5.0 ★Texas Ratio: 3.04% |
Conventional, HELOC | 4 +5 HELOCs |
0.4% | 80% | $155,000 | View |
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1 office in Kernersville 505 Pineview Dr, Kernersville, NC 27284 A+5.0 ★Texas Ratio: 0.60% |
Conventional | 4 | 0.4% | 80% | $327,500 | View |
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★ 5 stars, 1 review 1 office in Kernersville 1000 S Main St, Kernersville, NC 27284 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +8 HELOCs |
0% | 0% | View | |
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★ 1.7 stars, 3 reviews 1 office in Kernersville 823 S Main St, Kernersville, NC 27284 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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130 CENTURY PLACE BLVD, KERNERSVILLE, NC 27284 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 46 +63 HELOCs |
5.2% | 85.2% | $298,478 | View |
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794 S Main St Ste A, Kernersville, NC 27284 A5.0 ★Texas Ratio: 6.43% |
Conventional, VA, HELOC | 39 +28 HELOCs |
4.4% | 64.6% | $149,871 | View |
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212 E Mountain St, Kernersville, NC 27284 2941 A+5.0 ★Texas Ratio: 4.25% |
Conventional, HELOC | 12 +38 HELOCs |
1.3% | 92.3% | $235,833 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 10 +1 HELOCs |
1.1% | 83.3% | $340,000 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA, HELOC | 4 +1 HELOCs |
0.4% | 100% | $382,500 | View |
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★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA | 4 | 0.4% | 100% | $287,500 | View |
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8210 W Market St, Greensboro, NC 27409 A+5.0 ★Texas Ratio: 2.76% |
Conventional | 3 | 0.3% | 100% | $61,666 | View |
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Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34% |
Conventional, HELOC | 1 +3 HELOCs |
0.1% | 50% | $275,000 | |
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835 Highway 70 West, Garner, NC 27529 A+5.0 ★Texas Ratio: 1.77% |
Conventional | 1 | 0.1% | 100% | $305,000 | View |
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500 E Morehead St Ste 150, Charlotte, NC 28202 A5.0 ★Texas Ratio: 7.55% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
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1911 Hendersonville Rd, Asheville, NC 28803 A+5.0 ★Texas Ratio: 2.49% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
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104 NC 54 Ste KK, Carrboro, NC 27510 A5.0 ★Texas Ratio: 6.08% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
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192 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Wolfe Financial Inc
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Conventional, FHA | 3 | 0.3% | 100% | $295,000 | |
Piedmont Advantage Credit Unio
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Conventional | 1 | 0.1% | 100% | $85,000 | |
American Security Mortgage Cor
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Lennar Mortgage, LLC
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Conventional, FHA, VA | 64 | 7.2% | 91.8% | $256,093 | |
Rocket Mortgage
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Conventional, FHA, VA | 59 | 6.6% | 78.9% | $214,152 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA | 55 | 6.2% | 98.2% | $265,363 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 36 | 4% | 100% | $322,222 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 33 | 3.7% | 86.8% | $330,151 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 30 | 3.4% | 75% | $252,333 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional, FHA, VA | 29 | 3.3% | 62.5% | $318,103 | |
Highlands Residential Mortgage, Ltd.
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Conventional, FHA, VA | 27 | 3% | 100% | $341,296 | |
Mortgage Research Center
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VA | 20 | 2.2% | 71.4% | $341,500 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 20 | 2.2% | 100% | $249,000 | |
Jet HomeLoans, LP
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Conventional, FHA, VA | 19 | 2.1% | 100% | $417,105 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 17 | 1.9% | 83.3% | $299,705 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, HELOC | 16 +1 HELOCs |
1.8% | 100% | $355,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 11 | 1.2% | 100% | $278,636 | |
Nationstar Mortgage
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Conventional, FHA, VA | 11 | 1.2% | 91.7% | $192,272 | |
ALCOVA Mortgage, LLC
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Conventional, FHA, VA, USDA | 10 | 1.1% | 100% | $279,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA | 10 | 1.1% | 100% | $281,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 9 +5 HELOCs |
1% | 84.6% | $236,111 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 9 | 1% | 90% | $256,111 | |
Union Home Mortgage Corp.
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Conventional, FHA | 9 | 1% | 100% | $257,222 | |
Mortgage Investors Group
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Conventional, FHA, VA | 9 | 1% | 100% | $317,222 | |
Envoy Mortgage, Ltd
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Conventional, FHA, VA | 8 | 0.9% | 88.9% | $285,000 | |
Fidelity Direct Mortgage, LLC
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Conventional, FHA | 8 | 0.9% | 100% | $208,750 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA | 8 | 0.9% | 100% | $306,250 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA, VA | 7 | 0.8% | 100% | $345,000 | |
Amerisave Mortgage Company
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Conventional, FHA, VA | 7 | 0.8% | 63.6% | $193,571 | |
Cmg Mortgage Inc
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Conventional, FHA, VA | 7 | 0.8% | 100% | $256,428 | |
Equity Resources Inc
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Conventional, FHA | 6 | 0.7% | 100% | $325,000 | |
Howard Hanna Financial Services, Inc
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Conventional, VA | 6 | 0.7% | 100% | $271,666 | |
AmeriHome Mortgage Company, LLC
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FHA | 6 | 0.7% | 85.7% | $271,666 | |
Guild Mortgage Company
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Conventional, FHA | 6 | 0.7% | 100% | $255,000 | |
New American Funding, LLC.
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Conventional, FHA, VA | 6 | 0.7% | 100% | $268,333 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 5 +1 HELOCs |
0.6% | 71.4% | $165,000 | |
Newrez LLC
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Conventional, FHA, VA | 5 | 0.6% | 50% | $205,000 | |
Canopy Mortgage, LLC
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Conventional, FHA, VA | 4 | 0.4% | 100% | $275,000 | |
Kind Lending, LLC
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Conventional, FHA | 4 | 0.4% | 100% | $430,000 | |
New Day Financial, LLC.
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VA | 4 | 0.4% | 50% | $325,000 | |
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A+5.0 ★Texas Ratio: 5.75% |
Conventional, HELOC | 3 +2 HELOCs |
0.3% | 100% | $251,666 | |
Equity Prime Mortgage LLC
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FHA, VA | 3 | 0.3% | 75% | $241,666 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 3 | 0.3% | 100% | $271,666 | View |
Click n' Close, Inc.
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Conventional, FHA | 3 | 0.3% | 100% | $318,333 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 3 | 0.3% | 60% | $398,333 | View |
Planet Home Lending, LLC
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Conventional, FHA, VA | 3 | 0.3% | 100% | $198,333 | |
Provident Funding Associates
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Conventional | 3 | 0.3% | 75% | $391,666 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 3 | 0.3% | 60% | $245,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 3 | 0.3% | 100% | $245,000 | |
Goodleap, LLC
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Conventional, FHA, HELOC | 2 +2 HELOCs |
0.2% | 100% | $200,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 2 +1 HELOCs |
0.2% | 66.7% | $270,000 | View |
Primary Residential Mortgage, INC.
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Conventional, FHA | 2 | 0.2% | 100% | $175,000 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 2 | 0.2% | 50% | $435,000 | |
Absolute Home Mortgage
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Conventional, FHA | 2 | 0.2% | 100% | $395,000 | |
Credit Union Mortgage Associat
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Conventional | 2 | 0.2% | 66.7% | $400,000 | |
American Federal Mortgage Corporation
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Conventional | 2 | 0.2% | 100% | $270,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional, VA | 2 | 0.2% | 100% | $305,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.2% | 100% | $220,000 | View |
Pentagon Federal Credit Union
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Conventional | 2 | 0.2% | 100% | $180,000 | |
Park Lane Finance SolutionsLLC
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Conventional | 2 | 0.2% | 50% | $60,000 | |
Summit Funding.Inc
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Conventional | 2 | 0.2% | 100% | $235,000 | |
Lower, LLC
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Conventional | 2 | 0.2% | 33.3% | $245,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional, FHA | 2 | 0.2% | 100% | $280,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 2 | 0.2% | 100% | $355,000 | View |
Nexera Holding LLC
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Conventional, FHA | 2 | 0.2% | 100% | $330,000 | |
Reliance First Capital, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $210,000 | |
Plaza Home Mortgage, Inc
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FHA, VA | 2 | 0.2% | 100% | $420,000 | |
Village Capital & Investment
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VA | 2 | 0.2% | 83.3% | $390,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.1% | 20% | $55,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $205,000 | |
Polaris Home Funding Corp.
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FHA | 1 | 0.1% | 100% | $185,000 | |
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A5.0 ★Texas Ratio: 6.45% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.1% | 100% | $435,000 | View |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 0.1% | 100% | $585,000 | View |
Success Lending, LLC
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FHA | 1 | 0.1% | 100% | $345,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.1% | 100% | $275,000 | |
Nbkc Bank
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Conventional | 1 | 0.1% | 100% | $785,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.1% | 28.6% | $65,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $65,000 | |
United Trust Bank
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VA | 1 | 0.1% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 0.47% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
Oaktree Funding Corp
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Conventional | 1 | 0.1% | 100% | $305,000 | |
Capital City Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $195,000 | |
Onward Home Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $325,000 | |
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A5.0 ★Texas Ratio: 8.47% |
FHA | 1 | 0.1% | 100% | $375,000 | View |
VanDyk Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $345,000 | |
Securitynational Mortgage Company
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Conventional | 1 | 0.1% | 100% | $155,000 | |
Cis Financial Services, Inc.
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Conventional | 1 | 0.1% | 100% | $75,000 | |
Beeline Loans, Inc.
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Conventional | 1 | 0.1% | 100% | $145,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $215,000 | |
Nations Lending Corporation
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FHA | 1 | 0.1% | 100% | $465,000 | |
T2 Financial LLC
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Conventional | 1 | 0.1% | 100% | $115,000 | |
Integrity Home Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $155,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.1% | 100% | $225,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.1% | 100% | $255,000 | |
Milend, Inc
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FHA | 1 | 0.1% | 100% | $195,000 | |
Saygo Home Loans, LLC
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FHA | 1 | 0.1% | 100% | $335,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.1% | 50% | $445,000 | |
Radius Financial Group Inc
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Conventional | 1 | 0.1% | 100% | $295,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.1% | 100% | $305,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.1% | 20% | $205,000 | |
Veritas Funding, LLC
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FHA | 1 | 0.1% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
VA | 1 | 0.1% | 100% | $635,000 | View |
21St Mortgage
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Conventional | 1 | 0.1% | 5.9% | $55,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.1% | 100% | $255,000 | |
Texana Bank
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VA | 1 | 0.1% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Clearview Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Service Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Savings Bank
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HELOC | 0 +1 HELOCs |
0% | n/a |
Kernersville Mortgage Rate Trends
Daily average mortgage rates for North Carolina compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Kernersville, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Kernersville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Kernersville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Kernersville, NC
Use these to narrow the list above. Each category shows how many Kernersville, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Kernersville, NC
Independent mortgage companies closed 74.2 percent of home loans in Kernersville, North Carolina in 2025, banks 12.3 percent and credit unions 13.5 percent. Wolfe Financial Inc was the largest mortgage company, Truist Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, Truist Bank led with 15 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
An attorney must handle the closing in North Carolina. State excise (transfer) tax of $1 per $500 of price, customarily paid by the seller, plus an additional 1 percent land transfer tax in seven northeastern counties (Camden, Chowan, Currituck, Dare, Pasquotank, Perquimans, Washington); no mortgage recording tax.
More North Carolina Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Kernersville, NC
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Kernersville, North Carolina with 15 loans, about 1.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Kernersville, North Carolina, Atlantic Bay Mortgage Group approved the highest share of completed applications in 2025 at 98.2 percent, against a 82.9 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
56 lenders closed FHA loans in Kernersville, North Carolina in 2025, led by Lennar Mortgage, LLC with 18. 46 lenders closed VA loans, led by Mortgage Research Center, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 35 banks and 16 credit unions closed home loans in Kernersville, North Carolina in 2025, alongside 87 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Kernersville, North Carolina during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Kernersville, North Carolina for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Kernersville. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
