MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results
Home / Mortgage Lenders / North Carolina / Winston-Salem
iAdvertiser Disclosure Advertiser DisclosureSome lenders listed may have a business relationship with MonitorBankRates. Rankings come only from federal loan counts, and health grades come from our own rating system. Advertiser relationships do not influence the order of the list, the grades, or the reviews shown.

Mortgage Lenders and Brokers in Winston-Salem, North Carolina

Content reviewed by Brian McKay Brian McKay Brian McKayFounder and Data Architect at MonitorBankRates.com. For over 18 years he has engineered proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio | 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. | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Winston-Salem, North Carolina mortgage lenders include First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%, Wells Fargo Bank NAWells Fargo Bank NA5306 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.36%, Pinnacle BankPinnacle Bank103 N 2nd St, Albemarle, NC 28001A+5.0 ★Texas Ratio: 3.04%, First Horizon BankFirst Horizon Bank5361 Us Highway 158, Advance, NC 27006A+5.0 ★Texas Ratio: 5.76%, PNC Bank N.A.PNC Bank N.A.102 Church St E, Ahoskie, NC 27910A+5.0 ★Texas Ratio: 4.24%, Atlantic Union BankAtlantic Union Bank3101 S Church St, Burlington, NC 27215A+5.0 ★Texas Ratio: 2.51%, Huntington National BankHuntington National Bank101 S Tryon St, Charlotte, NC 28280A+5.0 ★Texas Ratio: 3.66%, State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-5.0 ★Texas Ratio: 14.13%, Truliant Federal Credit UnionTruliant Federal Credit Union1055 E Dixie Dr, Asheboro, NC 27203A5.0 ★Texas Ratio: 6.43%, and Allegacy Federal Credit UnionAllegacy Federal Credit Union128 Yadkin Valley Rd, Advance, NC 27006A+5.0 ★Texas Ratio: 4.25%. 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 Winston-Salem, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Winston-Salem 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 Winston-Salem, North Carolina

Market share is the lender's share of all home loans closed in Winston-Salem, 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.

LenderProgramsLoans closedMarket shareApproval shareAverage loanView
First National Bank of PA
1 office in Winston-Salem
303 S Salem St, Apex, NC 27502
A+5.0 ★Texas Ratio: 1.62%
 Conventional, FHA, Jumbo, HELOC 201
+20 HELOCs
 4.8% 87% $321,666 View
Wells Fargo Bank NA
9 offices in Winston-Salem
5306 Us Highway 158, Advance, NC 27006
A+5.0 ★Texas Ratio: 5.36%
 Conventional, FHA, VA, Jumbo 61 1.5% 75.3% $256,639 View
Pinnacle Bank
1 office in Winston-Salem
103 N 2nd St, Albemarle, NC 28001
A+5.0 ★Texas Ratio: 3.04%
 Conventional, FHA, Jumbo, HELOC 38
+18 HELOCs
 0.9% 85.1% $236,842 View
First Horizon Bank
★ 5 stars, 1 review
2 offices in Winston-Salem
5361 Us Highway 158, Advance, NC 27006
A+5.0 ★Texas Ratio: 5.76%
 Conventional, Jumbo, HELOC 17
+27 HELOCs
 0.4% 94.4% $409,705 View
PNC Bank N.A.
★ 1.7 stars, 3 reviews
1 office in Winston-Salem
102 Church St E, Ahoskie, NC 27910
A+5.0 ★Texas Ratio: 4.24%
 Conventional, HELOC 7
+21 HELOCs
 0.2% 87.5% $227,857 View
Atlantic Union Bank
1 office in Winston-Salem
3101 S Church St, Burlington, NC 27215
A+5.0 ★Texas Ratio: 2.51%
 Conventional, FHA, Jumbo, HELOC 3
+15 HELOCs
 0.1% 75% $548,333 View
Huntington National Bank
2 offices in Winston-Salem
101 S Tryon St, Charlotte, NC 28280
A+5.0 ★Texas Ratio: 3.66%
 Conventional, Jumbo 2 0% 100% $830,000 View
State Employees' Credit Union
1125 ACADEMY ST N, AHOSKIE, NC 27910
A-5.0 ★Texas Ratio: 14.13%
 Conventional, Jumbo, HELOC 207
+221 HELOCs
 5% 78.5% $252,101 View
Truliant Federal Credit Union
1055 E Dixie Dr, Asheboro, NC 27203
A5.0 ★Texas Ratio: 6.43%
 Conventional, FHA, HELOC 119
+131 HELOCs
 2.9% 40.5% $127,605 View
Allegacy Federal Credit Union
128 Yadkin Valley Rd, Advance, NC 27006
A+5.0 ★Texas Ratio: 4.25%
 Conventional, VA, Jumbo, HELOC 90
+273 HELOCs
 2.2% 90.4% $282,222 View
Truist Bank
★ 1 stars, 1 review
1803 N Sandhills Blvd, Aberdeen, NC 28315
A+5.0 ★Texas Ratio: 2.87%
 Conventional, FHA, VA, Jumbo, HELOC 73
+91 HELOCs
 1.8% 83.9% $394,315 View
JPMorgan Chase Bank, NA
1007 Beaver Creek Commons Dr, Apex, NC 27502
A+5.0 ★Texas Ratio: 3.68%
 Conventional, FHA, HELOC 65
+5 HELOCs
 1.6% 95.7% $252,384 View
US Bank, N.A.
8334 Pineville Matthews Rd, Charlotte, NC 28226
A+5.0 ★Texas Ratio: 2.85%
 Conventional, FHA, VA 65 1.6% 79.3% $260,076 View
First Ciitizens Bank and Trust
351 N 1st St, Albemarle, NC 28001
A5.0 ★Texas Ratio: 7.72%
 Conventional, FHA, Jumbo, HELOC 38
+53 HELOCs
 0.9% 88.4% $335,789 View
Latino Community Credit Union
104 NC 54 Ste KK, Carrboro, NC 27510
A5.0 ★Texas Ratio: 6.08%
 Conventional 35 0.8% 94.9% $171,000 View
Piedmont Federal Savings Bank
1399 Blowing Rock Rd, Boone, NC 28607
A+5.0 ★Texas Ratio: 0.60%
 Conventional, Jumbo 31 0.7% 100% $285,645 View
Bank of America NA
5496 Apex Peakway, Apex, NC 27502
A+5.0 ★Texas Ratio: 4.14%
 Conventional, Jumbo, HELOC 25
+40 HELOCs
 0.6% 83.3% $421,800 View
Summit Credit Union
8210 W Market St, Greensboro, NC 27409
A+5.0 ★Texas Ratio: 2.76%
 Conventional 25 0.6% 100% $73,400 View
Ameris Bank
★ 4 stars, 1 review
6805 Carnegie Blvd, Charlotte, NC 28211
A+5.0 ★Texas Ratio: 1.82%
 Conventional, FHA, VA 18 0.4% 100% $258,333 View
First Bank
105 S Sandhills Blvd, Aberdeen, NC 28315
A+5.0 ★Texas Ratio: 1.94%
 Conventional, FHA, Jumbo, HELOC 9
+9 HELOCs
 0.2% 100% $319,444 View
Self Help Credit Union
1911 Hendersonville Rd, Asheville, NC 28803
A+5.0 ★Texas Ratio: 2.49%
 Conventional 8 0.2% 72.7% $163,750 View
The Fidelity Bank
804 E Williams St, Apex, NC 27502
A+5.0 ★Texas Ratio: 3.02%
 Conventional, VA, HELOC 5
+11 HELOCs
 0.1% 100% $283,000 View
Flagstar Bank NA
121 W Trade St Ste 1150, Charlotte, NC 28202
D3.3 ★Texas Ratio: 35.11%
 Conventional, FHA 5 0.1% 71.4% $357,000 View
Regions Bank
1045 Providence Rd, Charlotte, NC 28207
A+5.0 ★Texas Ratio: 4.37%
 Conventional, FHA, VA, Jumbo, HELOC 4
+1 HELOCs
 0.1% 57.1% $352,500 View
Skyline National Bank
1641 Blowing Rock Road, Boone, NC 28607
A+5.0 ★Texas Ratio: 3.31%
 Conventional 4 0.1% 100% $127,500 View
Fifth Third Bank, National Association
1121 Moncure Place, Apex, NC 27523
A+5.0 ★Texas Ratio: 3.22%
 Conventional, HELOC 3
+6 HELOCs
 0.1% 75% $461,666 View
TD Bank
335 New Leicester Hwy, Asheville, NC 28806
A+5.0 ★Texas Ratio: 3.71%
 Conventional, HELOC 3
+1 HELOCs
 0.1% 100% $131,666 View
Blue Ridge Bank
3202 Northline Ave, Greensboro, NC 27408
A5.0 ★Texas Ratio: 8.11%
 FHA 3 0.1% 100% $158,333 View
Coastal Federal Credit Union
Olive Chapel Village #131, Apex, NC 27502
A+5.0 ★Texas Ratio: 4.34%
 Conventional, HELOC 2
+6 HELOCs
 0% 66.7% $225,000
Skyla Federal Credit Union
148 Charlotte St, Asheville, NC 28801 1923
A5.0 ★Texas Ratio: 9.56%
 Conventional, HELOC 2
+1 HELOCs
 0% 66.7% $210,000 View
Uwharrie Bank
800 Highway 24 27 Bypass, Albemarle, NC 28001
A+5.0 ★Texas Ratio: 0.72%
 FHA, VA 2 0% 100% $275,000 View
Bank of Oak Ridge
400 Pisgah Church Rd, Greensboro, NC 27455
A+5.0 ★Texas Ratio: 2.92%
 Conventional 2 0% 100% $135,000 View
Southern Bank and Trust Company
506 Main St E, Ahoskie, NC 27910
A+5.0 ★Texas Ratio: 1.13%
 Conventional 2 0% 100% $325,000 View
United Community Bank
732 Main St, Andrews, NC 28901
A+5.0 ★Texas Ratio: 2.97%
 Conventional, HELOC 1
+3 HELOCs
 0% 100% $105,000 View
Carolinas Telco FCU
2821 Crisman St, Charlotte, NC 28208
A+5.0 ★Texas Ratio: 3.27%
 Conventional 1 0% 100% $185,000 View
Marine Federal Credit Union
1231 Birch St, Camp Lejeune, NC 28547 2529
A5.0 ★Texas Ratio: 8.11%
 Conventional 1 0% 100% $365,000 View
Peoples Bank
1117 Parkside Main St, Cary, NC 27519
A+5.0 ★Texas Ratio: 2.98%
 Conventional 1 0% 100% $265,000 View
Encore Bank
3151 Apex Dr, Charlotte, NC 28211
A+5.0 ★Texas Ratio: 1.62%
 Conventional 1 0% 100% $435,000 View
Civic FCU
1118 Academy St N, Ahoskie, NC 27910
F1.0 ★Texas Ratio: 75.00%
 HELOC 0
+8 HELOCs
 0% 33.3% View
Carter Bank and Trust
500 E Morehead St Ste 150, Charlotte, NC 28202
A5.0 ★Texas Ratio: 7.55%
 HELOC 0
+2 HELOCs
 0% 0% View
Cardinal Financial Company, Li
 Conventional, FHA 11 0.3% 100% $214,090
American Security Mortgage Cor
 Conventional, FHA, VA 11 0.3% 91.7% $260,454
Wolfe Financial Inc
 Conventional, FHA 4 0.1% 80% $187,500
Piedmont Advantage Credit Unio
 Conventional, HELOC 3
+4 HELOCs
 0.1% 50% $55,000
Premier Lending Inc.
 Conventional 3 0.1% 100% $148,333
Deephaven Mortgage LLC
 Conventional 1 0% 100% $455,000
Corporate Investors Mortgage G
 Conventional 1 0% 100% $505,000
The Central Trust Bank
A+5.0 ★Texas Ratio: 3.12%
 Conventional 1 0% 100% $385,000 View
Goprime Mortgage, Inc.
 Conventional 1 0% 50% $225,000
Rocket Mortgage
 Conventional, FHA, VA, Jumbo 382 9.2% 82.2% $203,586
Atlantic Bay Mortgage Group
 Conventional, FHA, VA 241 5.8% 98.4% $196,244
Movement Mortgage, LLC
 Conventional, FHA, VA, HELOC 185
+5 HELOCs
 4.5% 98.1% $242,351
Fairway Independent Mort Corp
 Conventional, FHA, VA, Jumbo, HELOC 175
+1 HELOCs
 4.2% 91.6% $207,228
Highlands Residential Mortgage, Ltd.
 Conventional, FHA, VA 131 3.2% 96.5% $247,595
United Wholesale Mortgage
 Conventional, FHA, VA, Jumbo, HELOC 128
+3 HELOCs
 3.1% 87.9% $260,546
Vanderbilt Mortgage and Finance, Inc
 Conventional, FHA, VA 126 3% 65.3% $341,269
Prosperity Home Mortgage, LLC
 Conventional, FHA, VA, Jumbo 88 2.1% 96.7% $348,863
Mortgage Research Center
 Conventional, FHA, VA, Jumbo 63 1.5% 73% $296,746
Freedom Mortgage Corporation
 Conventional, FHA, VA, Jumbo 61 1.5% 81.5% $252,049
CrossCountry Mortgage, LLC
 Conventional, FHA, VA, Jumbo, HELOC 56
+1 HELOCs
 1.3% 94.9% $231,785
Navy Federal Credit Union
A5.0 ★Texas Ratio: 8.14%
 Conventional, VA, HELOC 55
+23 HELOCs
 1.3% 79.7% $221,909
Guaranteed Rate, Inc.
 Conventional, FHA, VA, HELOC 50
+3 HELOCs
 1.2% 96.2% $202,600
Nationstar Mortgage
 Conventional, FHA, VA 50 1.2% 88.1% $208,800
Canopy Mortgage, LLC
 Conventional, FHA, VA 44 1.1% 100% $202,500
Pennymac Loan Services LLC
 Conventional, FHA, VA, Jumbo 42 1% 86.8% $256,666
Lennar Mortgage, LLC
 Conventional, FHA 39 0.9% 92.9% $177,820
DHI Mortgage Company, LTD.
 Conventional, FHA, VA 38 0.9% 83% $278,684
Envoy Mortgage, Ltd
 Conventional, FHA, VA 37 0.9% 100% $216,351
Amerisave Mortgage Company
 Conventional, FHA, VA, HELOC 36
+1 HELOCs
 0.9% 40.7% $149,444
loanDepot.com LLC
 Conventional, FHA, VA, HELOC 35
+10 HELOCs
 0.8% 48.6% $230,428
Cmg Mortgage Inc
 Conventional, FHA, VA, USDA, Jumbo, HELOC 35
+1 HELOCs
 0.8% 84.8% $295,571
Union Home Mortgage Corp.
 Conventional, FHA, VA 29 0.7% 96.8% $246,724
New American Funding, LLC.
 Conventional, FHA, HELOC 28
+3 HELOCs
 0.7% 75.7% $214,642
VanDyk Mortgage Corporation
 Conventional, FHA, Jumbo 28 0.7% 96.7% $366,428
Newrez LLC
 Conventional, FHA, VA 24 0.6% 55.3% $189,166
Sofi Bank, National Association
A+5.0 ★Texas Ratio: 0.51%
 Conventional, FHA 23 0.6% 79.3% $164,565 View
A&D Mortgage LLC
A+5.0 ★Texas Ratio: 4.11%
 Conventional, VA 19 0.5% 95% $349,736 View
Howard Hanna Financial Services, Inc
 Conventional, FHA, VA 19 0.5% 95% $229,210
Equity Resources Inc
 Conventional, FHA 17 0.4% 85% $217,352
Mutual of Omaha Mortgage
 Conventional, FHA 17 0.4% 81.8% $260,882
Usaa Federal Savings Bank
B-3.5 ★Texas Ratio: 6.80%
 Conventional, VA 16 0.4% 76.2% $295,625 View
Summit Funding.Inc
 Conventional, FHA, Jumbo 16 0.4% 100% $400,625
ALCOVA Mortgage, LLC
 Conventional, FHA, VA 15 0.4% 100% $212,333
Ixonia Bank
A+5.0 ★Texas Ratio: 2.14%
 Conventional, FHA 15 0.4% 100% $316,333 View
Spring Eq, LLC
 Conventional, HELOC 14
+7 HELOCs
 0.3% 39.5% $60,000
Atlantic Coast Mortgage, LLC
 Conventional, FHA 14 0.3% 100% $222,142
Cornerstone Capital Bank, Ssb
A+5.0 ★Texas Ratio: 3.21%
 Conventional, FHA, VA 14 0.3% 100% $212,857 View
Village Capital & Investment
 FHA, VA 14 0.3% 80.6% $277,142
Goodleap, LLC
 Conventional, FHA, VA, HELOC 13
+3 HELOCs
 0.3% 80% $171,923
Plaza Home Mortgage, Inc
 Conventional, FHA, VA 13 0.3% 82.4% $212,692
Guild Mortgage Company
 Conventional, FHA 12 0.3% 100% $210,000
Carrington Mortgage Services LLC
 Conventional, FHA, VA 12 0.3% 48.6% $218,333
Summit Mortgage Corporation
 Conventional, FHA, VA 11 0.3% 100% $238,636
Lakeview Loan Servicing, LLC
 Conventional, FHA, VA 10 0.2% 45.2% $254,000
New Day Financial, LLC.
 VA 10 0.2% 44% $212,000
Provident Funding Associates
 Conventional 10 0.2% 90.9% $345,000
Mortgage Solutions of Colorado
 Conventional, FHA, VA 10 0.2% 100% $225,000
Mortgage Investors Group
 Conventional, FHA 10 0.2% 83.3% $176,000
Reliance First Capital, LLC
 FHA, VA 10 0.2% 90.9% $201,000
Primis Bank
A5.0 ★Texas Ratio: 13.21%
 Conventional, FHA, VA 8 0.2% 100% $275,000 View
Credit Union Mortgage Associat
 Conventional, VA 8 0.2% 88.9% $347,500
Planet Home Lending, LLC
 Conventional, FHA, VA 8 0.2% 80% $172,500
First Federal Bank
A+5.0 ★Texas Ratio: 1.10%
 Conventional, VA 8 0.2% 80% $286,250 View
Sage Home Loans Corporation
 Conventional, VA 7 0.2% 100% $340,714
Equity Prime Mortgage LLC
 Conventional, FHA, VA 7 0.2% 87.5% $266,428
Bay Equity LLC
 Conventional, FHA 7 0.2% 100% $247,857
Better Mortgage Corporation
 Conventional, Jumbo 7 0.2% 77.8% $522,142
Zillow Home Loans, LLC
 Conventional, FHA 7 0.2% 100% $209,285
Royal United Mortgage LLC
 Conventional 6 0.1% 75% $221,666
Primelending
 Conventional, FHA, VA 6 0.1% 100% $233,333
Kind Lending, LLC
 Conventional, FHA, VA 6 0.1% 100% $215,000
PHH Mortgage Corporation
 Conventional, FHA, VA 6 0.1% 100% $310,000
Renasant Bank
A+5.0 ★Texas Ratio: 4.72%
 Conventional, FHA 6 0.1% 100% $331,666 View
Discover Bank
 Conventional 6 0.1% 18.8% $80,000
Sun West Mortgage Company, Inc
 Conventional, FHA, VA 6 0.1% 85.7% $303,333
Lower, LLC
 Conventional, FHA, Jumbo 6 0.1% 75% $235,000
Tomo Mortgage LLC
 Conventional 6 0.1% 85.7% $380,000
The Loan Store, Inc
 Conventional, HELOC 5
+1 HELOCs
 0.1% 100% $217,000
Primary Residential Mortgage, INC.
 Conventional, FHA 5 0.1% 100% $221,000
AdvantageFirst Lending Inc
 FHA, VA 5 0.1% 45.5% $271,000
Capital Center LLC
 Conventional 5 0.1% 83.3% $283,000
Integrity Home Mortgage Corporation
 Conventional, FHA, VA 5 0.1% 100% $299,000
Pentagon Federal Credit Union
 Conventional, VA, HELOC 4
+2 HELOCs
 0.1% 83.3% $395,000
First Community Mortgage, Inc.
A+5.0 ★Texas Ratio: 3.36%
 Conventional, VA 4 0.1% 71.4% $357,500 View
Gateway First Bank
B+4.8 ★Texas Ratio: 17.16%
 Conventional, FHA 4 0.1% 100% $185,000 View
Click n' Close, Inc.
 Conventional 4 0.1% 100% $187,500
Resource Financial Services, Inc.
 Conventional 4 0.1% 100% $362,500
American Pacific Mortgage Corporation
 Conventional, FHA 4 0.1% 100% $245,000
Milend, Inc
 Conventional, FHA, VA 4 0.1% 66.7% $225,000
First Federal S&L of Lakewood
A+5.0 ★Texas Ratio: 4.66%
 Conventional 4 0.1% 100% $362,500 View
Citadel Servicing Corporation
 Conventional, Jumbo 4 0.1% 100% $1,010,000
Raymond James Bank
A+5.0 ★Texas Ratio: 3.19%
 Conventional 4 0.1% 100% $512,500 View
Founders Federal Credit Union
A+5.0 ★Texas Ratio: 3.58%
 Conventional 4 0.1% 100% $325,000
Ark-La-Tex Financial Services LLC
 Conventional 4 0.1% 100% $192,500
Top Flite Financial, Inc.
 FHA, VA 4 0.1% 100% $222,500
Genisys Credit Union
 Conventional, Jumbo 3 0.1% 100% $841,666
Guaranteed Rate Affinity, LLC
 Conventional, Jumbo 3 0.1% 100% $658,333
Success Lending, LLC
 Conventional, FHA 3 0.1% 60% $261,666
TruHome Solutions, LLC
 FHA 3 0.1% 50% $248,333
General Mortgage Capital Corporation
 Conventional 3 0.1% 100% $275,000
Strong Home Mortgage, LLC
 Conventional 3 0.1% 100% $525,000
Nfm, Inc
 FHA, VA 3 0.1% 100% $298,333
Churchill Mortgage Corporation
 Conventional 3 0.1% 100% $148,333
T2 Financial LLC
 Conventional 3 0.1% 100% $218,333
TowneBank
 Conventional 3 0.1% 100% $455,000
First National Bank of America
B-4.3 ★Texas Ratio: 23.12%
 Conventional 3 0.1% 100% $208,333 View
The Federal Savings Bank
B+4.8 ★Texas Ratio: 16.98%
 VA 3 0.1% 66.7% $458,333 View
HomeBridge Financial Services, Inc
 FHA, VA, HELOC 2
+6 HELOCs
 0% 50% $315,000
Third Federal Savings and Loan
A+5.0 ★Texas Ratio: 2.32%
 Conventional, HELOC 2
+6 HELOCs
 0% 100% $150,000 View
Cadence Bank
 Conventional 2 0% 100% $370,000
EMM Loans LLC
 Conventional, FHA 2 0% 66.7% $380,000
Premier Mortgage Resources, LLC
 Conventional 2 0% 66.7% $275,000
Liberty Federal Credit Union
 Conventional 2 0% 100% $665,000
American Financial Resources LLC
 FHA 2 0% 100% $265,000
Delmar Financial Company
A+5.0 ★Texas Ratio: 5.29%
 Conventional, FHA 2 0% 100% $250,000 View
Guidance Residential, LLC
 Conventional 2 0% 100% $305,000
AmeriHome Mortgage Company, LLC
 FHA 2 0% 50% $245,000
Loanunited.Com, LLC
 Conventional, VA 2 0% 100% $205,000
Bison State Bank
A+5.0 ★Texas Ratio: 2.38%
 Conventional 2 0% 100% $425,000 View
Filo Mortgage, LLC
 Conventional, FHA 2 0% 100% $275,000
American Financial Network, Inc.
 Conventional, FHA 2 0% 100% $235,000
Ocmbc, Inc.
A+5.0 ★Texas Ratio: 5.05%
 Conventional, FHA 2 0% 100% $275,000 View
Mortgage Assurance Inc
 Conventional 2 0% 100% $565,000
Great Southern Bank
A+5.0 ★Texas Ratio: 1.55%
 Conventional, Jumbo 2 0% 100% $910,000 View
Kwik Mortgage Corporation
 Conventional 2 0% 100% $315,000
Legend Lending Corporation
 Conventional 2 0% 100% $300,000
Mid-Continent Funding, Inc.
 VA 2 0% 100% $330,000
Total Mortgage Services, LLC
 Conventional, FHA 2 0% 100% $255,000
First Heritage Mortgage, LLC
 Conventional 2 0% 100% $305,000
American Internet Mortgage, Inc.
 Conventional 2 0% 100% $265,000
Encompass Lending Group, L.P.
 Conventional, FHA 2 0% 100% $210,000
Barrington Bank & Trust Company, N.A.
A+5.0 ★Texas Ratio: 2.20%
 FHA, VA 2 0% 100% $215,000 View
Rapid Mortgage Company
 FHA 2 0% 100% $230,000
Change Lending
A+5.0 ★Texas Ratio: 3.68%
 Conventional 2 0% 100% $290,000 View
Stifel Bank & Trust
A-4.8 ★Texas Ratio: 12.33%
 Conventional 2 0% 100% $395,000 View
Victorian Finance, LLC
 Conventional 2 0% 100% $155,000
Legacy Home Loans, LLC
A+5.0 ★Texas Ratio: 4.25%
 VA 2 0% 100% $625,000 View
Jams-01 Inc dba Home Savings & Trust Mortgage
 Conventional 2 0% 100% $270,000
Keystone Funding, Inc
 Conventional, VA 2 0% 100% $490,000
Nationwide Mortgage Bankers, Inc.
 FHA 2 0% 100% $125,000
BMO Harris Bank NA
A+5.0 ★Texas Ratio: 3.54%
 Conventional 2 0% 100% $585,000 View
Morgan Stanley Private Bank NA
A4.8 ★Texas Ratio: 2.45%
 Conventional, Jumbo 2 0% 100% $1,260,000 View
Ubs Bank USA
★ 5 stars, 1 review
A+5.0 ★Texas Ratio: 1.21%
 Conventional 2 0% 100% $760,000 View
Nexera Holding LLC
 Conventional 2 0% 100% $260,000
Citizens Bank, NA
A+5.0 ★Texas Ratio: 5.44%
 Conventional, HELOC 1
+17 HELOCs
 0% 50% $315,000 View
Empeople Credit Union
A+5.0 ★Texas Ratio: 5.75%
 Conventional, HELOC 1
+5 HELOCs
 0% 100% $215,000
Originpoint, LLC
 Conventional, Jumbo 1 0% 100% $1,065,000
Premia Mortgage, LLC
A5.0 ★Texas Ratio: 13.21%
 Conventional 1 0% 100% $265,000 View
American Airlines Federal Cred
 Conventional 1 0% 50% $335,000
Bny Mellon, N.A.
A+5.0 ★Texas Ratio: 0.37%
 Conventional 1 0% 50% $285,000 View
Residential Wholesale Mortgage
 VA 1 0% 100% $235,000
Luminate Bank
A5.0 ★Texas Ratio: 11.06%
 Conventional 1 0% 100% $115,000 View
Charles Schwab Bank, Ssb
A+5.0 ★Texas Ratio: 0.14%
 Conventional, Jumbo 1 0% 100% $1,165,000 View
Gold Star Mortgage Financial Group, Corporation
 Conventional 1 0% 100% $245,000
Presidential Bank, FSB
A-4.9 ★Texas Ratio: 16.48%
 Conventional 1 0% 100% $325,000 View
SWBC Mortgage Corporation
 Conventional 1 0% 100% $135,000
Servion
 Conventional 1 0% 100% $555,000
Contour Mortgage Corporation
 FHA 1 0% 100% $225,000
Everett Financial, Inc.
 Conventional 1 0% 100% $215,000
NOVA Financial & Investment Corporation
 FHA 1 0% 100% $275,000
All Credit Considered Mortgage, Inc.
 Conventional 1 0% 100% $215,000
AAA Capital Investment, Inc
 Conventional 1 0% 100% $355,000
Nbkc Bank
 Conventional 1 0% 100% $305,000
Acrisure Mortgage, LLC
 Conventional 1 0% 100% $275,000
Loansteady LLC
 FHA 1 0% 100% $205,000
Allied Mortgage Group, Inc
 FHA 1 0% 66.7% $135,000
M&T Bank
A+5.0 ★Texas Ratio: 4.11%
 Conventional 1 0% 100% $395,000 View
Dollar Bank, FSB
A+5.0 ★Texas Ratio: 5.29%
 Conventional 1 0% 100% $115,000 View
United Trust Bank
 FHA 1 0% 100% $165,000
Freedom First Federal Credit Union
 Conventional 1 0% 100% $685,000
Resicentral LLC
 FHA 1 0% 100% $255,000
Oaktree Funding Corp
 Conventional 1 0% 100% $155,000
Synergy One Lending, Inc.
 FHA 1 0% 100% $275,000
First Home Mortgage
A+5.0 ★Texas Ratio: 0.00%
 Conventional 1 0% 100% $655,000 View
Redwood Residential Acquisition Corporation
 Conventional, Jumbo 1 0% 100% $1,145,000
First State Bank of St Charles
 Conventional 1 0% 100% $235,000
Nqm Funding, LLC
 Conventional 1 0% 100% $345,000
Success Mortgage Partners, Inc
 VA 1 0% 100% $215,000
Absolute Home Mortgage
 FHA 1 0% 100% $115,000
First State Mortgage Services
 Conventional 1 0% 100% $245,000
Intercoastal Mortgage, LLC
 FHA 1 0% 100% $345,000
Gate City Bank
 Conventional, Jumbo 1 0% 100% $1,045,000
Flexpoint, Inc.
 Conventional 1 0% 100% $445,000
Network Capital Funding Corporation
 Conventional 1 0% 100% $215,000
Publix Employees Federal Credit Union
 Conventional 1 0% 50% $425,000
American Financing Corporation
 Conventional 1 0% 50% $175,000
ClearPath Lending
 VA 1 0% 100% $175,000
Coca-Cola Federal Credit Union
 Conventional 1 0% 100% $255,000
Securitynational Mortgage Company
 FHA 1 0% 100% $315,000
American Federal Mortgage Corporation
 Conventional 1 0% 100% $195,000
United Premier Funding LLC
 Conventional 1 0% 100% $275,000
First Colony Mortgage Corporat
 Conventional 1 0% 100% $205,000
Eastman Credit Union
 Conventional 1 0% 100% $295,000
Calcon Mutual Mortgage LLC
 FHA 1 0% 50% $275,000
Ony Glo, Inc.
 Conventional 1 0% 100% $85,000
Axos Bank
A+5.0 ★Texas Ratio: 3.94%
 Conventional 1 0% 100% $445,000 View
The Freedom Bank of Virginia
C+4.2 ★Texas Ratio: 24.99%
 Conventional 1 0% 100% $175,000 View
UNMB Home Loans Inc
 Conventional 1 0% 100% $365,000
Peoples Mortgage Company
 Conventional 1 0% 100% $165,000
Waterstone Mortgage Corporation
 Conventional 1 0% 50% $335,000
Direct Mortgage Loans, LLC
 Conventional 1 0% 100% $295,000
Castle & Cooke Mortgage, LLC
 FHA 1 0% 100% $395,000
Libertyville Bank & Trust Company, N.A.
A+5.0 ★Texas Ratio: 3.32%
 Conventional 1 0% 100% $285,000 View
Agfirst Farm Credit Bank
 Conventional 1 0% 100% $145,000
Bangor Savings Bank
A+5.0 ★Texas Ratio: 4.53%
 Conventional 1 0% 100% $315,000 View
Independent Bank
A5.0 ★Texas Ratio: 6.46%
 Conventional 1 0% 100% $265,000 View
Stockton Mortgage Corporation
A+5.0 ★Texas Ratio: 0.21%
 Conventional 1 0% 50% $225,000 View
Grow Financial Federal Credit Union
 Conventional 1 0% 100% $45,000
Park Lane Finance SolutionsLLC
 Conventional 1 0% 50% $75,000
Iserve Residential Lending
 VA 1 0% 100% $115,000
Nexbank
A-5.0 ★Texas Ratio: 14.93%
 Conventional 1 0% 100% $215,000 View
RoundPoint Mortgage Servicing LLC
 Conventional 1 0% 100% $375,000
First Reliance Bank
A+5.0 ★Texas Ratio: 0.55%
 Conventional 1 0% 100% $315,000 View
Northpoint Mortgage, Inc.
A5.0 ★Texas Ratio: 8.47%
 Conventional 1 0% 100% $255,000 View
Veritas Funding, LLC
 VA 1 0% 25% $255,000
Sunflower Bank, N.A.
A5.0 ★Texas Ratio: 10.77%
 Conventional 1 0% 100% $105,000 View
Pinnacle Bank
A+5.0 ★Texas Ratio: 1.45%
 Conventional 1 0% 100% $235,000 View
Mld Mortgage, Inc.Dba the Money Store
 FHA 1 0% 100% $135,000
Grand Bank for Savings, FSB
 Conventional 1 0% 100% $185,000
Southwest Stage Funding LLC
 FHA 1 0% 100% $195,000
Stanford Federal Credit Union
 Conventional 1 0% 100% $465,000
Toyota Financial Savings Bank
 Conventional 1 0% 100% $295,000
Thrivent Bank
 Conventional 1 0% 100% $25,000
21St Mortgage
 Conventional 1 0% 10% $55,000
Texana Bank
 VA 1 0% 50% $285,000
Loan Simple, Inc.
 FHA 1 0% 50% $225,000
University Federal Credit Union
A+5.0 ★Texas Ratio: 3.82%
 Conventional 1 0% 100% $145,000 View
Lincoln Federal Svgs Bk of Ne
A+5.0 ★Texas Ratio: 3.23%
 Conventional 1 0% 100% $805,000 View
Citibank, NA
A+5.0 ★Texas Ratio: 2.82%
 Conventional 1 0% 100% $235,000 View
Star One Credit Union
 Conventional 1 0% 100% $235,000
Figure Lending LLC
 HELOC 0
+22 HELOCs
 0% n/a
Coastal Community Bank
B4.5 ★Texas Ratio: 20.96%
 HELOC 0
+22 HELOCs
 0% n/a View
Lendage, LLC dba Achieve Loans
 HELOC 0
+10 HELOCs
 0% n/a
Bank Ozk
 HELOC 0
+2 HELOCs
 0% n/a
Fourleaf Federal Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Valon Mortgage
A+5.0 ★Texas Ratio: 3.19%
 HELOC 0
+1 HELOCs
 0% n/a View
Liberty Savings Bank, FSB
 HELOC 0
+1 HELOCs
 0% n/a
Quorum Federal Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Chevron Federal Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Honda Federal Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Corning Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Teachers Federal Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Nasa Federal Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Wings Financial Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
State Departmenet Federal Credit Union
 HELOC 0
+1 HELOCs
 0% n/a
Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Mortgage Lenders and Mortgage Brokers Near Me in Winston-Salem, North Carolina

Looking for mortgage lenders near me or mortgage brokers near me in Winston-Salem? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Winston-Salem in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Winston-Salem, NC

Use these to narrow the list above. Each category shows how many Winston-Salem, NC lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 162 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 86 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 37 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 111 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 76 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 36 lenders. Loans above the conforming limit for higher priced homes Local lenders based in NC 28 lenders headquartered in North Carolina, the closest thing to a mortgage lender near you

Who Lends in Winston-Salem, NC

Independent mortgage companies closed 65.2 percent of home loans in Winston-Salem, North Carolina in 2025, banks 20.8 percent and credit unions 14 percent. Cardinal Financial Company, Li was the largest mortgage company, First National Bank of PA the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, State Employees' Credit Union led with 207 loans.

65.2%
Mortgage companies
20.8%
Banks
14%
Credit unions
18%
FHA loans
9%
VA 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

All North Carolina lenders 1,003 lenders Charlotte 471 lendersRaleigh 368 lendersDurham 327 lendersGreensboro 278 lendersFayetteville 241 lendersCary 268 lendersConcord 235 lendersFuquay-Varina 224 lendersApex 197 lendersGastonia 197 lendersWilmington 221 lendersHigh Point 204 lenders

Frequently Asked Questions About Mortgage Lenders in Winston-Salem, NC

Who is the largest mortgage lender in Winston-Salem, NC?

By home loans closed in 2025, First National Bank of PA was the largest mortgage lender in Winston-Salem, North Carolina with 201 loans, about 4.8 percent of the market. The largest lender headquartered in North Carolina was State Employees' Credit Union with 207 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Winston-Salem, NC have the highest approval rates?

Among lenders with meaningful volume in Winston-Salem, North Carolina, Atlantic Bay Mortgage Group approved the highest share of completed applications in 2025 at 98.4 percent, against a 81.1 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.

Which Winston-Salem, NC mortgage lenders offer FHA, VA and USDA loans?

111 lenders closed FHA loans in Winston-Salem, North Carolina in 2025, led by Rocket Mortgage with 84. 76 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.

Are credit unions and local banks included in this Winston-Salem, NC lender list?

Yes. 86 banks and 37 credit unions closed home loans in Winston-Salem, North Carolina in 2025, alongside 162 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.

How are mortgage lenders in Winston-Salem, NC ranked on this page?

Lenders are ranked only by the number of home loans they closed in Winston-Salem, 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 Winston-Salem, 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 Winston-Salem. 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.