WINSTON - SALEM Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Winston - Salem averaged 5.52% for the week of 2022-05-12, compared to the national average of 5.3% for the same period.

The average rate for the prior week (2022-05-05) was 5.79% and one month ago for the week of 2022-04-07, the average rate was 5.24%.

Winston - Salem's average rate one year ago was 3.01%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.4%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
Winston - Salem 30 Year Fixed Rate 2022-05-12 5.52%
Winston - Salem 30 Year Fixed Rate Refi 2022-05-12 5.4%
Winston - Salem 15 Year Fixed Rate 2022-05-12 5%
Winston - Salem 15 Year Fixed Rate Refi 2022-05-12 4.8%
Winston - Salem 30 Year FHA 2022-05-12 5.36%
Winston - Salem 30 Year FHA Refi 2022-05-12 5.37%
Winston - Salem 30 Year USDA 2022-05-12 5.15%
Winston - Salem 30 Year USDA Refi 2022-05-12 5.43%
Winston - Salem 30 Year VA 2022-05-12 5.54%
Winston - Salem 30 Year VA Refi 2022-05-12 4.89%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within WINSTON-SALEM, NC.

WINSTON - SALEM Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the WINSTON-SALEM, NC market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
STATE EMPLOYEES' 1,260 3.30% $3,629
QUICKEN LOANS, LLC 1,238 3.13% $4,545
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 942 3.11% $3,396
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 520 3.29% $3,991
Truist Bank 485 2.98% $3,297
Wells Fargo Bank 467 3.14% $3,024
MOVEMENT MORTGAGE, LLC 436 3.17% $11,942
Prosperity Home Mortgage, LLC 233 3.12% $3,726
Truliant Federal Credit Union 231 3.29% $2,895
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 218 3.18% $4,458
Pinnacle Bank 197 3.11% $3,008
Piedmont Federal Savings Bank 197 2.98% $3,108
ALLEGACY FEDERAL CREDIT UNION 190 3.06% $3,975
LOANDEPOT.COM, LLC 188 3.09% $4,502
LOCAL GOVERNMENT FEDERAL CREDIT UNION 167 3.31% $3,585
AMERISAVE MORTGAGE CORPORATION 154 2.95% $4,847
BETTER MORTGAGE CORPORATION 150 2.94% $3,099
First National Bank of Pennsylvania 147 2.93% $3,326
Mr. Cooper ( Nationstar Mortgage ) 142 3.25% $4,878
HOME POINT FINANCIAL CORPORATION 134 3.04% $4,248
UNION HOME MORTGAGE CORP. 134 3.14% $3,893
Bank of America 133 2.87% $3,035
GUARANTEED RATE, INC. 130 3.14% $3,540
CERTAINTY HOME LOANS, LLC 129 3.17% $4,525
First-Citizens Bank & Trust Company 127 3.16% $3,544
Citizens Bank 126 3.07% $4,748
First Federal Bank 124 2.93% $7,940
UNITED WHOLESALE MORTGAGE, LLC 119 2.98% $4,061
KELLER MORTGAGE, LLC 104 3.10% $2,074
Flagstar Bank, FSB 99 3.22% $3,503
PENNYMAC LOAN SERVICES, LLC 94 3.19% $4,803
DHI MORTGAGE COMPANY, LTD. 85 2.92% $2,790
MCLEAN MORTGAGE CORPORATION 82 2.90% $3,075
Allen Tate Mortgage Partners, LLC 80 3.12% $3,623
HOMESIDE FINANCIAL, LLC 71 3.10% $3,988
CALIBER HOME LOANS, INC. 70 3.22% $3,626
First Horizon Bank 70 3.12% $3,386
Blue Ridge Bank 69 3.32% $4,253
U.S. Bank 66 3.22% $2,950
Renasant Bank 65 2.95% $5,788
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 63 3.05% $3,375
NFM, INC. 63 3.26% $3,976
The Fidelity Bank 62 3.28% $3,242
NEWREZ LLC 61 3.12% $3,557
RESIDENTIAL MORTGAGE SERVICES, INC. 59 3.07% $3,417
NAVY FEDERAL CREDIT UNION 57 3.55% $3,413
Ameris Bank 57 3.13% $4,204
Wyndham Capital Mortgage, Inc. 56 3.00% $1,996
American Security Mortgage Corp. 55 2.91% $3,133
EQUITY RESOURCES, INC. 54 3.16% $2,953
FREEDOM MORTGAGE CORPORATION 53 3.11% $2,153
CAPITAL CENTER, L.L.C. 47 3.08% $1,415
JPMorgan Chase Bank 47 3.20% $2,354
CMG MORTGAGE, INC. 47 3.21% $4,654
LATINO COMMUNITY CREDIT UNION 46 5.85% $3,269
VANDERBILT MORTGAGE AND FINANCE, INC. 45 3.15% $4,106
PNC Bank 43 3.07% $3,347
BROKER SOLUTIONS, INC. 42 3.08% $3,802
InterContinental Capital Group, Inc 38 3.05% $3,625
First Bank 37 3.12% $3,671
AMERIFIRST FINANCIAL CORPORATION 36 3.39% $3,886
HAMILTON HOME LOANS, INC. 36 3.31% $4,146
AgFirst Farm Credit Bank 34 3.08% $5,292
AMERICAN FINANCING CORPORATION 32 3.19% $4,143
ARK-LA-TEX FINANCIAL SERVICES, LLC. 29 3.35% $4,550
ROYAL UNITED MORTGAGE LLC 28 3.49% $5,342
Northpointe Bank 28 3.40% $3,922
MUTUAL OF OMAHA MORTGAGE, INC. 27 3.19% $3,586
ZILLOW HOME LOANS, LLC 27 3.14% $4,000
FINANCE OF AMERICA MORTGAGE LLC 26 3.01% $3,693
INTERCOASTAL MORTGAGE COMPANY 25 3.14% $3,858
Alcova Mortgage LLC 25 3.18% $2,820
CROSSCOUNTRY MORTGAGE, LLC 24 3.21% $4,734
ANGEL OAK HOME LOANS LLC 23 3.69% $4,403
Wolfe Financial, Inc 22 2.93% $3,520
SeaTrust Mortgage Company 22 3.11% $3,995
Fifth Third Bank 22 3.11% $3,812
CREDIT UNION MORTGAGE ASSOCIATION, INC. 21 2.99% $3,494
PLAZA HOME MORTGAGE, INC. 21 3.16% $3,691
SHARONVIEW FEDERAL CREDIT UNION 21 3.07% $2,960
PRIMELENDING, A PLAINSCAPITAL COMPANY 20 3.14% $3,602
PROVIDENT FUNDING ASSOCIATES, L.P. 18 2.78% $3,364
PRIMARY RESIDENTIAL MORTGAGE, INC. 18 3.37% $3,755
LOANPAL, LLC 17 3.16% $5,945
HOMESTAR FINANCIAL CORPORATION 17 3.21% $3,436
Carrington Mortgage Services, LLC 17 3.28% $4,274
LAKEVIEW LOAN SERVICING, LLC 16 3.39% $3,067
SOUTHERN TRUST MORTGAGE, LLC 16 3.09% $3,970
RELIANCE FIRST CAPITAL, LLC 16 3.30% $4,566
Towne Bank 15 3.26% $3,868
AmeriHome Mortgage Company, LLC 15 3.23% $5,388
Mortgage Research Center, LLC 15 2.88% $3,892
PENTAGON FEDERAL CREDIT UNION 15 2.94% $2,059
Manufacturers and Traders Trust Company 14 3.22% $4,006
SOFI LENDING CORP. 14 3.06% $3,147
Southern First Bank 13 3.09% $2,658
CHURCHILL MORTGAGE CORPORATION 13 3.37% $3,505
FirstBank 13 2.89% $1,916
Uwharrie Bank 12 3.01% $2,682
TD Bank 12 3.06% $2,447
AMERICAN FINANCIAL NETWORK, INC. 11 3.13% $6,288
The Federal Savings Bank 11 3.05% $7,025
JET HOMELOANS, LLC 11 3.28% $3,760
Regions Bank 11 3.06% $5,371
AmRes Corporation 10 3.09% $3,468
COASTAL Federal Credit Union 10 3.36% $2,986
Paramount Residential Mortgage Group, Inc. 10 3.26% $6,317
MORTGAGE FINANCIAL GROUP, INC. 10 3.23% $6,592
GoPrime Mortgage, Inc. 10 3.22% $2,909
Corporate Investors Mortgage Group, Inc. 10 3.10% $2,697
RUOFF MORTGAGE COMPANY, INC. 9 2.94% $2,164
PHH Mortgage Corporation 9 3.32% $6,710
T2 FINANCIAL LLC 9 3.55% $3,711
MORTGAGE SOLUTIONS OF COLORADO, LLC 9 3.33% $3,590
Deere Employees Credit Union 9 2.51% $2,979
HomeTrust Bank 8 2.92% $3,292
RESOURCE FINANCIAL SERVICES, INC. 8 2.95% $3,201
NBKC BANK 8 2.92% $2,507
Mortgage Assurance Inc. 8 3.06% $2,936
American National Bank and Trust Company 8 2.86% $3,930
PLANET HOME LENDING, LLC 8 3.28% $2,976
Alpha Mortgage Corporation 8 3.05% $4,879
SUN WEST MORTGAGE COMPANY, INC. 8 3.00% $3,005
Hometown Lenders, Inc. 8 3.42% $5,430
South State Bank 7 3.36% $3,706
AMERICAN ADVISORS GROUP 7 3.09% $2,672
Charles Schwab Bank, SSB 7 2.86% $2,969
Ally Bank 7 2.93% $4,752
ALLIED MORTGAGE GROUP, INC. 7 3.14% $1,997
Nations Lending Corporation 7 3.29% $4,293
Discover Bank 7 4.46% $0
Carolina Farm Credit, ACA 7 4.52% $6,048
EMM LOANS LLC 7 3.07% $5,428
Morgan Stanley Private Bank 7 2.68% $3,277
CORNERSTONE HOME LENDING, INC. 7 3.30% $4,213
MILEND, INC. 7 3.14% $6,198
EMBRACE HOME LOANS, INC. 6 3.22% $2,861
A&D Mortgage LLC 6 5.23% $9,358
RAPID MORTGAGE COMPANY 6 3.48% $4,421
First Community Bank 6 2.96% $3,069
First Mortgage Solutions, LLC 6 2.73% $1,933
GUILD MORTGAGE COMPANY 6 2.93% $3,195
HOMEBRIDGE FINANCIAL SERVICES, INC. 6 3.52% $3,604
CORNING 6 2.94% $4,316
Strong Home Mortgage, LLC 6 3.14% $1,455
Shamrock Home Loans, Inc. 6 3.35% $3,313
Citibank 6 3.17% $3,562
Quontic Bank 6 5.33% $9,007
Dollar Bank, Federal Savings Bank 6 3.37% $6,474
LIBERTY HOME MORTGAGE CORPORATION 5 3.25% $3,786
SPRING EQ, LLC 5 3.08% $1,168
POLARIS HOME FUNDING CORP. 5 3.43% $5,637
Victorian Finance, LLC 5 3.20% $2,702
PANORAMA MORTGAGE GROUP, LLC 5 3.30% $3,252
GUARANTEED RATE AFFINITY, LLC 5 3.05% $2,822
Bank of England 5 3.28% $7,621
North American Savings Bank, F.S.B. 5 2.93% $2,108
The Huntington National Bank 5 3.20% $3,906
KeyBank 5 2.85% $3,513
Bank OZK 5 3.63% $3,578
SUCCESS MORTGAGE PARTNERS, INC. 5 3.50% $3,752
UBS Bank USA 5 2.95% $3,345
Prime Choice Funding Inc. 5 2.78% $2,692
PREMIA MORTGAGE, LLC 5 2.83% $489
NATIONS DIRECT MORTGAGE, LLC 5 3.05% $6,125
The Central Trust Bank 5 3.00% $2,970
LADERA LENDING, INC. 4 3.06% $3,394
First Home Bank 4 3.13% $3,988
AMERICAN INTERNET MORTGAGE, INC. 4 2.75% $3,921
AMERICAN FEDERAL MORTGAGE CORPORATION 4 2.72% $1,970
MORTGAGE ACCESS CORP. 4 3.09% $2,831
George Mason Mortgage, LLC 4 2.94% $3,243
HOMESTEAD FUNDING CORP. 4 3.00% $3,721
TIAA, FSB 4 3.00% $3,474
TOWNE MORTGAGE COMPANY 4 3.03% $6,351
First Reliance Bank 4 3.03% $2,529
GENEVA FINANCIAL, LLC 4 3.22% $4,264
CONTOUR MORTGAGE CORPORATION 4 3.16% $6,239
First Guaranty Mortgage Corporation 4 3.09% $3,471
USAA Federal Savings Bank 4 3.00% $3,664
CANOPY MORTGAGE, LLC 4 2.84% $2,281
ARC HOME LLC 4 3.84% $5,126
TJC Mortgage, Inc. 4 3.34% $3,449
SIRVA MORTGAGE, INC. 3 3.17% $1,343
Countybank 3 2.75% $2,392
ABSOLUTE HOME MORTGAGE CORPORATION 3 3.16% $3,853
Gateway First Bank 3 3.21% $3,000
IVY MORTGAGE, INC. 3 3.50% $3,148
ACADEMY MORTGAGE CORPORATION 3 3.17% $2,959
STEARNS LENDING, LLC 3 3.50% $2,470
Florida Capital Bank 3 3.25% $4,190
First Western Trust Bank 3 3.33% $2,727
SOVEREIGN LENDING GROUP INCORPORATED 3 2.83% $4,570
MID AMERICA MORTGAGE, INC. 3 3.33% $2,977
First Savings Bank 3 3.00% $5,241
First Internet Bank of Indiana 3 3.00% $2,548
First Heritage Mortgage, LLC 3 3.12% $2,827
BNC National Bank 3 2.75% $3,604
FIRST COMMUNITY MORTGAGE, INC. 3 3.00% $2,441
NATIONWIDE MORTGAGE BANKERS, INC. 3 3.29% $3,647
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 3 3.75% $4,495
UNITED 3 3.38% $3,520
American Airlines Federal Credit Union 3 2.96% $0
Raymond James Bank 3 3.33% $2,837
North State Bank 3 3.25% $2,549
Northwest Federal Credit Union 3 2.67% $3,974
NP, Inc. 3 3.08% $5,084
AMERICAN PACIFIC MORTGAGE CORPORATION 3 3.08% $4,665
US MORTGAGE CORPORATION 3 3.25% $4,899
PIEDMONT ADVANTAGE CREDIT UNION 3 3.33% $3,808
Plains Commerce Bank 3 2.96% $4,553
Arvest Bank 3 3.04% $2,993
Third Federal Savings and Loan Association of Cleveland 3 2.94% $1,330
LENDUS, LLC 2 2.81% $2,917
LANGLEY 2 3.06% $2,796
SUMMIT FUNDING, INC. 2 2.75% $4,454
VAN DYK MORTGAGE CORPORATION 2 3.06% $3,169
THE MORTGAGE FIRM, INC. 2 3.31% $3,120
DIGITAL Federal Credit Union 2 3.00% $6,149
Republic Bank & Trust Company 2 3.00% $4,711
Sierra Pacific Mortgage Company, Inc. 2 3.25% $2,866
CELEBRITY HOME LOANS, LLC 2 3.25% $7,257
DRAPER AND KRAMER MORTGAGE CORP. 2 2.88% $3,400
Bank of Tennessee 2 2.81% $3,177
FOUNDERS FEDERAL CREDIT UNION 2 4.00% $2,052
Ixonia Bank 2 2.63% $2,435
IMPAC MORTGAGE CORP. 2 3.75% $181
GUIDANCE RESIDENTIAL, LLC 2 3.31% $3,063
TIDEWATER MORTGAGE SERVICES, INC. 2 3.13% $2,759
United Community Bank 2 2.94% $6,372
ON Q FINANCIAL, INC. 2 2.69% $3,598
UNITED MORTGAGE CORP. 2 3.25% $4,803
UNIVERSAL MORTGAGE & FINANCE, INC. 2 4.25% $9,221
Cf Bank 2 3.00% $1,735
INSPIRE HOME LOANS INC. 2 3.13% $5,008
ROSS MORTGAGE CORPORATION 2 3.06% $3,785
THRIVE MORTGAGE, LLC 2 2.94% $2,973
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 6.19% $4,354
Peoples Bank 2 3.19% $3,152
MICHIGAN MUTUAL, INC. 2 3.19% $2,704
Meridian Bank Corporation 2 3.19% $5,264
Towne Mortgage of the Carolinas, LLC 2 3.00% $2,763
MLD MORTGAGE INC. 2 2.94% $3,415
Goldman Sachs Bank USA 2 2.70% $3,458
MORIA DEVELOPMENT, INC. 2 3.75% $3,384
Magnolia Bank 2 2.94% $5,291
FIRST HOME MORTGAGE CORPORATION 2 3.06% $2,462
Baxter Credit Union 2 3.00% $3,023
Austin Capital Bank SSB 2 3.31% $4,596
AMERICAN PORTFOLIO MORTGAGE CORPORATION 2 3.25% $2,571
RADIUS FINANCIAL GROUP INC. 2 3.50% $3,403
LENOX FINANCIAL MORTGAGE CORPORATION 2 3.50% $9,635
Tyndall Federal Credit Union 2 3.13% $4,155
ACOPIA, LLC 2 2.88% $5,830
Residential Mortgage Solutions, Inc. 2 3.63% $8,294
NASA Federal Credit Union 2 3.00% $6,224
NewTowne Mortgage, LLC 1 3.00% $3,262
5TH STREET CAPITAL, INC. 1 6.13% $20,739
Advisors Mortgage Group, L.L.C. 1 2.75% $2,471
ALLIANT CREDIT UNION 1 3.00% $3,593
AMERICAN FINANCIAL RESOURCES, INC. 1 3.63% $6,119
Amerifirst Financial, Inc. 1 4.13% $3,297
Arthur State Bank 1 3.25% $4,451
Assurance Financial Group, L.L.C. 1 3.63% $3,077
Atlantic Coast Mortgage, LLC 1 2.63% $2,245
Auto Club Trust, FSB 1 2.88% $1,445
Axos Bank 1 4.88% $2,841
Barrington Bank & Trust Company, N.A. 1 3.13% $3,398
BAYCOAST MORTGAGE COMPANY, LLC 1 2.63% $2,938
BAY EQUITY LLC 1 3.50% $3,548
BELEM SERVICING LLC 1 2.88% $11,065
BEST CAPITAL FUNDING 1 3.25% $4,202
CALCON MUTUAL MORTGAGE LLC 1 3.38% $3,511
Citadel Servicing Corporation 1 7.38% $12,072
CityWorth Mortgage LLC 1 3.00% $3,503
Clear Mountain Bank 1 2.88% $2,865
Colonial Savings, F.A. 1 3.00% $3,979
Colten Mortgage, LLC 1 3.13% $2,801
DELMAR FINANCIAL COMPANY 1 4.50% $4,289
DELTA COMMUNITY CREDIT UNION 1 3.00% $1,524
East Coast Capital Corp. 1 3.50% $9,438
EVANSVILLE TEACHERS 1 3.25% $3,457
EVERETT FINANCIAL, INC. 1 3.50% $5,576
Evolve Bank & Trust 1 4.13% $2,384
FAMILY FIRST FUNDING LLC 1 3.38% $3,561
FBC MORTGAGE, LLC 1 3.25% $12,953
Fidelity Bank 1 2.75% $2,766
FIRST ALLIANCE HOME MORTGAGE, LLC 1 3.63% $3,386
First American Bank 1 3.13% $2,076
First National Bank of Omaha 1 2.88% $1,735
FIRST STATE MORTGAGE SERVICES, LLC 1 2.75% $2,142
Fulton Bank 1 3.25% $3,131
GEO-CORP, INC. 1 3.63% $4,290
GMFS LLC 1 3.00% $3,027
Great Plains National Bank 1 3.25% $2,410
GROUP MORTGAGE, LLC 1 2.75% $3,328
GSF Mortgage Corporation 1 2.75% $1,294
GUARANTY HOME MORTGAGE CORPORATION 1 3.25% $3,012
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 3.38% $2,901
HOMESPIRE MORTGAGE CORPORATION 1 3.00% $3,031
HONDA Federal Credit Union 1 3.25% $2,503
ITHINK FINANCIAL Credit Union 1 2.88% $2,827
JET DIRECT FUNDING CORP 1 2.63% $2,907
JMJ FINANCIAL GROUP 1 2.88% $4,228
Lakeview Community Capital, LLC 1 3.25% $1,598
LENDERFI, INC. 1 2.99% $1,876
LOANFLIGHT LENDING, LLC 1 2.75% $1,267
MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION 1 2.88% $3,149
Mid-Continent Funding, Inc. 1 2.88% $3,976
MID-ISLAND MORTGAGE CORP. 1 3.00% $4,213
MIDLAND MORTGAGE CORPORATION 1 3.50% $2,617
Midwest BankCentre 1 3.13% $2,305
MORTGAGE INVESTORS GROUP, INC. 1 3.50% $2,733
Mortgage Network, Inc. 1 2.99% $3,758
NATIONS RELIABLE LENDING, LLC 1 2.88% $4,285
NEW DAY FINANCIAL, LLC 1 2.50% $4,503
1ST SIGNATURE LENDING, LLC 1 2.88% $3,386
NJ LENDERS CORP. 1 3.38% $3,014
OCEANSIDE MORTGAGE COMPANY 1 3.50% $1,187
ONY GLO, INC. 1 3.50% $715
OPEN MORTGAGE, LLC 1 3.50% $2,057
PIKE CREEK MORTGAGE SERVICES, INC. 1 3.50% $1,242
PLUS RELOCATION MORTGAGE, LLC 1 3.25% $3,281
PROPER RATE, LLC 1 3.25% $4,056
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 2.88% $2,452
RESIDENTIAL BANCORP. 1 3.63% $6,566
S1L, Inc. 1 3.38% $2,934
SECURITYNATIONAL MORTGAGE COMPANY 1 3.38% $2,641
Servion, Inc. 1 3.13% $4,248
Signature Federal Credit Union 1 3.00% $5,360
Silicon Valley Bank 1 2.88% $3,064
SOUTH CAROLINA FEDERAL CREDIT UNION 1 2.50% $3,259
Southern Bank and Trust Company 1 2.88% $1,520
SOUTHPOINT FINANCIAL SERVICES, INC. 1 3.13% $4,435
Southwest Airlines Federal Credit Union 1 2.88% $3,324
STANFORD Federal Credit Union 1 3.13% $6,576
Summit Community Bank, Inc. 1 3.00% $3,533
Sunflower Bank 1 3.99% $2,985
SWBC MORTGAGE CORPORATION 1 2.88% $3,457
The Cortland Savings and Banking Company 1 3.00% $2,894
The Fidelity Deposit and Discount Bank 1 2.75% $4,275
The Loan Store, Inc. 1 2.75% $2,397
The Park National Bank 1 3.88% $3,974
TOWER 1 2.88% $4,716
Triumph Bank 1 3.13% $2,400
UNIFY FINANCIAL Credit Union 1 3.75% $2,373
UNITED PREMIER FUNDING, LLC 1 2.88% $2,652
Vellum Mortgage, Inc. 1 3.38% $3,235
VERITAS FUNDING, LLC 1 3.50% $8,138
VILLAGE CAPITAL & INVESTMENT LLC 1 3.25% $4,846
Watermark Capital, Inc. 1 2.88% $3,647
WESCOM CENTRAL CREDIT UNION 1 3.00% $3,112
WESTERN EXPRESS LENDING 1 3.38% $6,395
WEYCO COMMUNITY CREDIT UNION 1 2.63% $2,771
Willamette Valley Bank 1 3.13% $3,966

WINSTON-SALEM, NC's 355 lenders originated 29,870 loans during 2021. The total origination value was $6,014,750,000, with an average loan value of $201,364.

The top WINSTON - SALEM lender as defined by loan originations is STATE EMPLOYEES', with 1,260 loans originated. Their average total fees are $3,629, which is $916 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee WINSTON - SALEM lenders (with over 10 loans originated) are CAPITAL CENTER, L.L.C. ($1,415), FirstBank ($1,916), Wyndham Capital Mortgage, Inc. ($1,996), PENTAGON FEDERAL CREDIT UNION ($2,059) and KELLER MORTGAGE, LLC ($2,074).

The lowest rate WINSTON - SALEM lenders (with over 10 loans originated) are PROVIDENT FUNDING ASSOCIATES, L.P. (2.78%), Bank of America (2.87%), Mortgage Research Center, LLC (2.88%), FirstBank (2.89%) and MCLEAN MORTGAGE CORPORATION (2.90%).

WINSTON-SALEM, NC Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $436,735,000 $537,480,000 23.1% 8.9%
STATE EMPLOYEES' $246,195,000 $397,210,000 61.3% 6.6%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $320,905,000 $345,010,000 7.5% 5.7%
Truist Bank $317,055,000 $252,515,000 -20.4% 4.2%
Wells Fargo Bank $159,895,000 $233,265,000 45.9% 3.9%
ALLEGACY FEDERAL CREDIT UNION $221,150,000 $191,060,000 -13.6% 3.2%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $153,335,000 $178,850,000 16.6% 3.0%
MOVEMENT MORTGAGE, LLC $136,375,000 $170,610,000 25.1% 2.8%
First National Bank of Pennsylvania $111,915,000 $160,840,000 43.7% 2.7%
FREEDOM MORTGAGE CORPORATION $124,045,000 $120,680,000 -2.7% 2.0%
Truliant Federal Credit Union $110,175,000 $112,880,000 2.5% 1.9%
Pinnacle Bank $117,130,000 $105,540,000 -9.9% 1.8%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $78,285,000 $88,810,000 13.4% 1.5%
LOANDEPOT.COM, LLC $44,480,000 $88,595,000 99.2% 1.5%
GREYSTONE SERVICING COMPANY LLC $86,420,000 n/a 1.4%
Piedmont Federal Savings Bank $76,785,000 $84,045,000 9.5% 1.4%
First-Citizens Bank & Trust Company $85,165,000 $80,350,000 -5.7% 1.3%
Prosperity Home Mortgage, LLC $75,730,000 $71,415,000 -5.7% 1.2%
PENNYMAC LOAN SERVICES, LLC $31,800,000 $68,615,000 115.8% 1.1%
BETTER MORTGAGE CORPORATION $27,015,000 $67,015,000 148.1% 1.1%
Mr. Cooper ( Nationstar Mortgage ) $39,025,000 $65,760,000 68.5% 1.1%
Citizens Bank $75,010,000 $60,800,000 -18.9% 1.0%
AMERISAVE MORTGAGE CORPORATION $36,885,000 $58,385,000 58.3% 1.0%
Mortgage Research Center, LLC $50,885,000 $57,805,000 13.6% 1.0%
Bank of America $53,840,000 $56,915,000 5.7% 0.9%
First Horizon Bank $32,090,000 $56,730,000 76.8% 0.9%
HOME POINT FINANCIAL CORPORATION $25,680,000 $54,685,000 112.9% 0.9%
GUARANTEED RATE, INC. $36,660,000 $52,350,000 42.8% 0.9%
UNITED WHOLESALE MORTGAGE, LLC $26,400,000 $50,585,000 91.6% 0.8%
LOCAL GOVERNMENT FEDERAL CREDIT UNION $33,910,000 $50,440,000 48.7% 0.8%
UNION HOME MORTGAGE CORP. $45,555,000 $48,600,000 6.7% 0.8%
First Federal Bank $44,520,000 $45,940,000 3.2% 0.8%
CERTAINTY HOME LOANS, LLC $48,590,000 $45,255,000 -6.9% 0.8%
DHI MORTGAGE COMPANY, LTD. $43,020,000 $37,760,000 -12.2% 0.6%
The Fidelity Bank $33,480,000 $36,530,000 9.1% 0.6%
NEWREZ LLC $31,265,000 $36,385,000 16.4% 0.6%
LAKEVIEW LOAN SERVICING, LLC $25,920,000 $36,265,000 39.9% 0.6%
Grandbridge Real Estate Capital LLC $65,510,000 $35,260,000 -46.2% 0.6%
NAVY FEDERAL CREDIT UNION $25,495,000 $33,435,000 31.1% 0.6%
CALIBER HOME LOANS, INC. $31,995,000 $32,300,000 1.0% 0.5%
Flagstar Bank, FSB $28,635,000 $29,790,000 4.0% 0.5%
MCLEAN MORTGAGE CORPORATION $31,750,000 $28,775,000 -9.4% 0.5%
U.S. Bank $17,110,000 $28,660,000 67.5% 0.5%
HOMESIDE FINANCIAL, LLC $46,260,000 $28,590,000 -38.2% 0.5%
PNC Bank $18,065,000 $27,810,000 53.9% 0.5%
Renasant Bank $32,060,000 $26,745,000 -16.6% 0.4%
JONES LANG LASALLE MULTIFAMILY, LLC $26,495,000 n/a 0.4%
KELLER MORTGAGE, LLC $32,045,000 $26,025,000 -18.8% 0.4%
JPMorgan Chase Bank $19,165,000 $25,235,000 31.7% 0.4%
Ameris Bank $18,305,000 $25,170,000 37.5% 0.4%
Blue Ridge Bank $21,710,000 $24,915,000 14.8% 0.4%
Wyndham Capital Mortgage, Inc. $14,810,000 $23,945,000 61.7% 0.4%
Allen Tate Mortgage Partners, LLC $26,740,000 $23,665,000 -11.5% 0.4%
AgFirst Farm Credit Bank $37,495,000 $22,915,000 -38.9% 0.4%
American Security Mortgage Corp. $19,140,000 $22,905,000 19.7% 0.4%
VANDERBILT MORTGAGE AND FINANCE, INC. $18,280,000 $22,890,000 25.2% 0.4%
KeyBank $18,380,000 $21,665,000 17.9% 0.4%
Arbor Realty Trust, Inc. $61,715,000 $21,140,000 -65.7% 0.4%
American National Bank and Trust Company $8,160,000 $20,915,000 156.3% 0.3%
CMG MORTGAGE, INC. $2,110,000 $20,605,000 876.5% 0.3%
Bank OZK $3,485,000 $20,560,000 490.0% 0.3%
BROKER SOLUTIONS, INC. $14,525,000 $19,915,000 37.1% 0.3%
First Bank $20,465,000 $19,715,000 -3.7% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $16,395,000 $19,505,000 19.0% 0.3%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $19,175,000 n/a 0.3%
InterContinental Capital Group, Inc $6,025,000 $19,015,000 215.6% 0.3%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $32,060,000 $18,925,000 -41.0% 0.3%
INTERCOASTAL MORTGAGE COMPANY $5,160,000 $18,820,000 264.7% 0.3%
NFM, INC. $10,955,000 $17,795,000 62.4% 0.3%
RESIDENTIAL MORTGAGE SERVICES, INC. $26,615,000 $17,580,000 -33.9% 0.3%
Carrington Mortgage Services, LLC $13,650,000 $17,255,000 26.4% 0.3%
USAA Federal Savings Bank $28,280,000 $16,465,000 -41.8% 0.3%
HAMILTON HOME LOANS, INC. $27,510,000 $16,095,000 -41.5% 0.3%
United Bank $3,745,000 $16,080,000 329.4% 0.3%
Fifth Third Bank $19,955,000 $16,075,000 -19.4% 0.3%
EQUITY RESOURCES, INC. $21,065,000 $15,710,000 -25.4% 0.3%
CAPITAL CENTER, L.L.C. $2,040,000 $14,830,000 627.0% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $9,590,000 $14,260,000 48.7% 0.2%
WALKER & DUNLOP, LLC $13,930,000 n/a 0.2%
NEW DAY FINANCIAL, LLC $10,290,000 $12,155,000 18.1% 0.2%
PLAZA HOME MORTGAGE, INC. $12,165,000 $11,510,000 -5.4% 0.2%
LIMA ONE CAPITAL, LLC $225,000 $11,225,000 4,888.9% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $3,685,000 $11,225,000 204.6% 0.2%
AMERICAN FINANCING CORPORATION $4,545,000 $10,980,000 141.6% 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $10,495,000 $10,810,000 3.0% 0.2%
Towne Bank $4,750,000 $10,525,000 121.6% 0.2%
PENTAGON FEDERAL CREDIT UNION $4,135,000 $10,335,000 149.9% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $4,935,000 $10,165,000 106.0% 0.2%
Alcova Mortgage LLC $8,990,000 $9,890,000 10.0% 0.2%
Northpointe Bank $7,245,000 $9,855,000 36.0% 0.2%
AMERIFIRST FINANCIAL CORPORATION $7,030,000 $9,740,000 38.5% 0.2%
The Federal Savings Bank $9,335,000 $9,585,000 2.7% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $9,685,000 $9,355,000 -3.4% 0.2%
LENDINGHOME FUNDING CORPORATION $1,850,000 $9,185,000 396.5% 0.2%
RELIANCE FIRST CAPITAL, LLC $8,670,000 $9,110,000 5.1% 0.2%
Wolfe Financial, Inc $5,875,000 $8,505,000 44.8% 0.1%
PRUDENTIAL MULTIFAMILY MORTGAGE, LLC $40,880,000 $8,395,000 -79.5% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $9,710,000 $8,355,000 -14.0% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $3,115,000 $8,055,000 158.6% 0.1%
LATINO COMMUNITY CREDIT UNION $5,670,000 $7,965,000 40.5% 0.1%
CHURCHILL MORTGAGE CORPORATION $9,195,000 $7,940,000 -13.6% 0.1%
LOANPAL, LLC $7,550,000 $7,815,000 3.5% 0.1%
HOMESTAR FINANCIAL CORPORATION $630,000 $7,765,000 1,132.5% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $4,300,000 $7,750,000 80.2% 0.1%
FirstBank $3,080,000 $7,725,000 150.8% 0.1%
Capital One $7,535,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $2,290,000 $7,475,000 226.4% 0.1%
Southern First Bank $6,915,000 $7,440,000 7.6% 0.1%
SOFI LENDING CORP. $3,740,000 $7,360,000 96.8% 0.1%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $7,440,000 $7,310,000 -1.7% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $7,365,000 $6,895,000 -6.4% 0.1%
Carolina Farm Credit, ACA $9,040,000 $6,700,000 -25.9% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $4,800,000 $6,650,000 38.5% 0.1%
CLEARPATH LENDING $12,125,000 $6,445,000 -46.8% 0.1%
AmeriHome Mortgage Company, LLC $5,110,000 $6,360,000 24.5% 0.1%
SOUTHERN TRUST MORTGAGE, LLC $1,505,000 $6,335,000 320.9% 0.1%
ANGEL OAK HOME LOANS LLC $3,360,000 $6,275,000 86.8% 0.1%
INSPIRE HOME LOANS INC. $4,265,000 $6,240,000 46.3% 0.1%
Summit Credit Union $3,695,000 $6,075,000 64.4% 0.1%
COASTAL Federal Credit Union $3,880,000 $5,955,000 53.5% 0.1%
Nations Lending Corporation $5,885,000 $5,575,000 -5.3% 0.1%
SeaTrust Mortgage Company $4,360,000 $5,495,000 26.0% 0.1%
Lakeview Community Capital, LLC $4,865,000 $5,490,000 12.8% 0.1%
ROYAL UNITED MORTGAGE LLC $7,390,000 $5,235,000 -29.2% 0.1%
Regions Bank $41,790,000 $5,190,000 -87.6% 0.1%
SHARONVIEW FEDERAL CREDIT UNION $3,480,000 $5,150,000 48.0% 0.1%
Manufacturers and Traders Trust Company $1,355,000 $5,085,000 275.3% 0.1%
First Guaranty Mortgage Corporation $4,060,000 $5,020,000 23.6% 0.1%
Low VA Rates, LLC $4,545,000 $4,810,000 5.8% 0.1%
Hometown Lenders, Inc. $3,905,000 $4,800,000 22.9% 0.1%
TD Bank $4,980,000 $4,725,000 -5.1% 0.1%
Uwharrie Bank $3,325,000 $4,720,000 42.0% 0.1%
Charles Schwab Bank, SSB $1,865,000 $4,665,000 150.1% 0.1%
PLANET HOME LENDING, LLC $3,390,000 $4,530,000 33.6% 0.1%
PHH Mortgage Corporation $1,950,000 $4,440,000 127.7% 0.1%
North American Savings Bank, F.S.B. $4,060,000 $4,415,000 8.7% 0.1%
NBKC BANK $6,630,000 $4,380,000 -33.9% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $20,490,000 $4,365,000 -78.7% 0.1%
First Reliance Bank $5,735,000 $4,330,000 -24.5% 0.1%
Ally Bank $6,050,000 $4,310,000 -28.8% 0.1%
COREVEST AMERICAN FINANCE LENDER LLC $955,000 $4,235,000 343.5% 0.1%
First Community Bank $4,520,000 $4,220,000 -6.6% 0.1%
South State Bank $1,310,000 $4,175,000 218.7% 0.1%
Skyline National Bank $3,175,000 $4,170,000 31.3% 0.1%
Paramount Residential Mortgage Group, Inc. $1,890,000 $4,090,000 116.4% 0.1%
PIEDMONT ADVANTAGE CREDIT UNION $3,810,000 $4,070,000 6.8% 0.1%
NP, Inc. $3,075,000 $3,965,000 28.9% 0.1%
JET HOMELOANS, LLC $3,930,000 n/a 0.1%
Morgan Stanley Private Bank $2,625,000 $3,915,000 49.1% 0.1%
MORTGAGE FINANCIAL GROUP, INC. $3,465,000 $3,800,000 9.7% 0.1%
MID AMERICA MORTGAGE, INC. $2,715,000 $3,790,000 39.6% 0.1%
Strong Home Mortgage, LLC $4,040,000 $3,760,000 -6.9% 0.1%
Deere Employees Credit Union $1,120,000 $3,755,000 235.3% 0.1%
Alpha Mortgage Corporation $3,730,000 n/a 0.1%
ALLIED MORTGAGE GROUP, INC. $1,485,000 $3,710,000 149.8% 0.1%
AmRes Corporation $2,600,000 $3,710,000 42.7% 0.1%
HomeTrust Bank $3,975,000 $3,705,000 -6.8% 0.1%
AMERICAN ADVISORS GROUP $1,715,000 $3,455,000 101.5% 0.1%
MILEND, INC. $1,830,000 $3,415,000 86.6% 0.1%
Barrington Bank & Trust Company, N.A. $7,210,000 $3,395,000 -52.9% 0.1%
TOWNE MORTGAGE COMPANY $5,655,000 $3,385,000 -40.1% 0.1%
Mortgage Assurance Inc. $1,715,000 $3,350,000 95.3% 0.1%
GoPrime Mortgage, Inc. $1,950,000 $3,315,000 70.0% 0.1%
Coastal Carolina National Bank $555,000 $3,225,000 481.1% 0.1%
Raymond James Bank $2,445,000 $3,220,000 31.7% 0.1%
T2 FINANCIAL LLC $490,000 $3,175,000 548.0% 0.1%
CORNERSTONE HOME LENDING, INC. $1,755,000 $3,125,000 78.1% 0.1%
NATIONS DIRECT MORTGAGE, LLC $225,000 $3,090,000 1,273.3% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $3,025,000 $2,985,000 -1.3% 0.0%
Bank of England $2,900,000 $2,935,000 1.2% 0.0%
Dollar Bank, Federal Savings Bank $1,055,000 $2,905,000 175.4% 0.0%
EMBRACE HOME LOANS, INC. $3,345,000 $2,880,000 -13.9% 0.0%
UBS Bank USA $1,365,000 $2,835,000 107.7% 0.0%
PREMIA MORTGAGE, LLC $1,870,000 $2,755,000 47.3% 0.0%
RAPID MORTGAGE COMPANY $2,775,000 $2,745,000 -1.1% 0.0%
Gateway First Bank $1,435,000 $2,715,000 89.2% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $3,785,000 $2,655,000 -29.9% 0.0%
First Mortgage Solutions, LLC $5,650,000 $2,630,000 -53.5% 0.0%
READYCAP COMMERCIAL, LLC $2,605,000 n/a 0.0%
Prime Choice Funding Inc. $920,000 $2,545,000 176.6% 0.0%
RESOURCE FINANCIAL SERVICES, INC. $3,580,000 $2,545,000 -28.9% 0.0%
Citibank $2,325,000 $2,455,000 5.6% 0.0%
Bank of Oak Ridge $2,635,000 $2,440,000 -7.4% 0.0%
Shamrock Home Loans, Inc. $2,430,000 n/a 0.0%
Southern Bank $2,385,000 n/a 0.0%
LENDINGONE, LLC $750,000 $2,355,000 214.0% 0.0%
SELF-HELP Credit Union $3,575,000 $2,345,000 -34.4% 0.0%
SPRING EQ, LLC $1,355,000 $2,340,000 72.7% 0.0%
Corporate Investors Mortgage Group, Inc. $4,995,000 $2,280,000 -54.4% 0.0%
21ST MORTGAGE CORPORATION $830,000 $2,230,000 168.7% 0.0%
GSF Mortgage Corporation $1,855,000 $2,215,000 19.4% 0.0%
Goldman Sachs Bank USA $805,000 $2,065,000 156.5% 0.0%
First Savings Bank $2,485,000 $2,045,000 -17.7% 0.0%
TJC Mortgage, Inc. $760,000 $2,025,000 166.4% 0.0%
Figure Lending LLC $1,125,000 $1,985,000 76.4% 0.0%
ACADEMY MORTGAGE CORPORATION $240,000 $1,970,000 720.8% 0.0%
Mid-Continent Funding, Inc. $475,000 $1,965,000 313.7% 0.0%
RUOFF MORTGAGE COMPANY, INC. $1,240,000 $1,950,000 57.3% 0.0%
GUILD MORTGAGE COMPANY $3,170,000 $1,925,000 -39.3% 0.0%
Quontic Bank $165,000 $1,915,000 1,060.6% 0.0%
Magnolia Bank $3,465,000 $1,900,000 -45.2% 0.0%
Victorian Finance, LLC $980,000 $1,900,000 93.9% 0.0%
LIBERTY HOME MORTGAGE CORPORATION $1,460,000 $1,895,000 29.8% 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $1,670,000 $1,875,000 12.3% 0.0%
First Heritage Mortgage, LLC $1,075,000 $1,855,000 72.6% 0.0%
Third Federal Savings and Loan Association of Cleveland $4,415,000 $1,840,000 -58.3% 0.0%
CANOPY MORTGAGE, LLC $1,805,000 n/a 0.0%
CALCON MUTUAL MORTGAGE LLC $2,260,000 $1,800,000 -20.4% 0.0%
The Central Trust Bank $595,000 $1,800,000 202.5% 0.0%
Discover Bank $1,205,000 $1,775,000 47.3% 0.0%
AMERICAN FEDERAL MORTGAGE CORPORATION $720,000 $1,730,000 140.3% 0.0%
EMM LOANS LLC $2,495,000 $1,720,000 -31.1% 0.0%
Cedar Rapids Bank and Trust Company $1,705,000 n/a 0.0%
A&D Mortgage LLC $1,670,000 n/a 0.0%
LADERA LENDING, INC. $380,000 $1,670,000 339.5% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $865,000 $1,665,000 92.5% 0.0%
SIRVA MORTGAGE, INC. $4,275,000 $1,660,000 -61.2% 0.0%
POLARIS HOME FUNDING CORP. $755,000 $1,630,000 115.9% 0.0%
Arvest Bank $1,785,000 $1,590,000 -10.9% 0.0%
Atlantic Coast Mortgage, LLC $1,580,000 n/a 0.0%
George Mason Mortgage, LLC $2,535,000 $1,540,000 -39.3% 0.0%
MORTGAGE ACCESS CORP. $1,470,000 n/a 0.0%
ACCELERATE MORTGAGE, LLC $455,000 $1,440,000 216.5% 0.0%
American Airlines Federal Credit Union $1,435,000 n/a 0.0%
GUARANTEED RATE AFFINITY, LLC $2,685,000 $1,435,000 -46.6% 0.0%
DIGITAL Federal Credit Union $190,000 $1,400,000 636.8% 0.0%
GENEVA FINANCIAL, LLC $555,000 $1,400,000 152.3% 0.0%
HOMESTEAD FUNDING CORP. $1,485,000 $1,365,000 -8.1% 0.0%
Plains Commerce Bank $1,030,000 $1,345,000 30.6% 0.0%
CORNING $1,190,000 $1,340,000 12.6% 0.0%
United Community Bank $970,000 $1,335,000 37.6% 0.0%
Silicon Valley Bank $1,325,000 n/a 0.0%
BNC National Bank $1,350,000 $1,305,000 -3.3% 0.0%
UNITED $590,000 $1,300,000 120.3% 0.0%
UNITED MORTGAGE CORP. $1,300,000 n/a 0.0%
The Huntington National Bank $625,000 $1,295,000 107.2% 0.0%
Residential Mortgage Solutions, Inc. $295,000 $1,290,000 337.3% 0.0%
Paramount Bank $95,000 $1,275,000 1,242.1% 0.0%
Austin Capital Bank SSB $890,000 $1,255,000 41.0% 0.0%
STEARNS LENDING, LLC $910,000 $1,250,000 37.4% 0.0%
LENDUS, LLC $965,000 $1,240,000 28.5% 0.0%
TIAA, FSB $1,810,000 $1,230,000 -32.0% 0.0%
Sierra Pacific Mortgage Company, Inc. $2,105,000 $1,200,000 -43.0% 0.0%
ARC HOME LLC $1,275,000 $1,130,000 -11.4% 0.0%
First Home Bank $855,000 $1,100,000 28.7% 0.0%
Cf Bank $610,000 $1,080,000 77.0% 0.0%
Florida Capital Bank $2,575,000 $1,065,000 -58.6% 0.0%
Peoples Bank $380,000 $1,050,000 176.3% 0.0%
Republic Bank & Trust Company $460,000 $1,040,000 126.1% 0.0%
US MORTGAGE CORPORATION $1,275,000 $1,030,000 -19.2% 0.0%
PANORAMA MORTGAGE GROUP, LLC $1,025,000 n/a 0.0%
1ST SIGNATURE LENDING, LLC $230,000 $1,020,000 343.5% 0.0%
IVY MORTGAGE, INC. $1,175,000 $1,020,000 -13.2% 0.0%
Baxter Credit Union $310,000 $1,005,000 224.2% 0.0%
CONTOUR MORTGAGE CORPORATION $870,000 $1,005,000 15.5% 0.0%
VAN DYK MORTGAGE CORPORATION $355,000 $1,005,000 183.1% 0.0%
Countybank $960,000 $990,000 3.1% 0.0%
ABSOLUTE HOME MORTGAGE CORPORATION $105,000 $980,000 833.3% 0.0%
Colten Mortgage, LLC $570,000 $970,000 70.2% 0.0%
ON Q FINANCIAL, INC. $3,740,000 $970,000 -74.1% 0.0%
IMPAC MORTGAGE CORP. $85,000 $960,000 1,029.4% 0.0%
First Internet Bank of Indiana $890,000 $935,000 5.1% 0.0%
SIGNATURE MORTGAGE CORPORATION $1,225,000 $910,000 -25.7% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $900,000 n/a 0.0%
Goldwater Bank, N.A. $515,000 $885,000 71.8% 0.0%
SOUTHPOINT FINANCIAL SERVICES, INC. $865,000 $870,000 0.6% 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $850,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $590,000 $845,000 43.2% 0.0%
TOWER $280,000 $845,000 201.8% 0.0%
Towne Mortgage of the Carolinas, LLC $845,000 n/a 0.0%
CELEBRITY HOME LOANS, LLC $820,000 n/a 0.0%
The Fidelity Deposit and Discount Bank $800,000 n/a 0.0%
ACOPIA, LLC $370,000 $780,000 110.8% 0.0%
Southern Bank and Trust Company $1,015,000 $780,000 -23.2% 0.0%
Ixonia Bank $945,000 $770,000 -18.5% 0.0%
5TH STREET CAPITAL, INC. $765,000 n/a 0.0%
Equity Prime Mortgage LLC $725,000 $760,000 4.8% 0.0%
Meridian Bank Corporation $540,000 $760,000 40.7% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $2,545,000 $755,000 -70.3% 0.0%
FIRST COMMUNITY MORTGAGE, INC. $1,760,000 $755,000 -57.1% 0.0%
ROSS MORTGAGE CORPORATION $755,000 n/a 0.0%
NASA Federal Credit Union $740,000 n/a 0.0%
Stifel Bank and Trust $1,765,000 $730,000 -58.6% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $205,000 $715,000 248.8% 0.0%
RADIUS FINANCIAL GROUP INC. $715,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $85,000 $705,000 729.4% 0.0%
Northwest Federal Credit Union $810,000 $705,000 -13.0% 0.0%
THE MORTGAGE FIRM, INC. $165,000 $705,000 327.3% 0.0%
CIVIC FINANCIAL SERVICES, LLC $270,000 $700,000 159.3% 0.0%
FIRST HOME MORTGAGE CORPORATION $195,000 $695,000 256.4% 0.0%
OCEANSIDE MORTGAGE COMPANY $925,000 $695,000 -24.9% 0.0%
UNIVERSAL MORTGAGE & FINANCE, INC. $215,000 $695,000 223.3% 0.0%
Kwik Mortgage Corporation $685,000 n/a 0.0%
Select Bank & Trust Company $820,000 $685,000 -16.5% 0.0%
HOMESPIRE MORTGAGE CORPORATION $175,000 $680,000 288.6% 0.0%
Amalgamated Bank $675,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $205,000 $675,000 229.3% 0.0%
GUIDANCE RESIDENTIAL, LLC $205,000 $660,000 222.0% 0.0%
UNITED PREMIER FUNDING, LLC $655,000 n/a 0.0%
FIRST TECHNOLOGY $615,000 $640,000 4.1% 0.0%
Willamette Valley Bank $630,000 n/a 0.0%
FIRST BANCORP, INC. $715,000 $625,000 -12.6% 0.0%
PROPER RATE, LLC $500,000 $625,000 25.0% 0.0%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $625,000 n/a 0.0%
UNITED SECURITY FINANCIAL CORP $1,365,000 $615,000 -54.9% 0.0%
Bank of Tennessee $145,000 $610,000 320.7% 0.0%
FINANCE OF AMERICA REVERSE LLC $260,000 $605,000 132.7% 0.0%
FBC MORTGAGE, LLC $800,000 $600,000 -25.0% 0.0%
NORTHERN MORTGAGE SERVICES, LLC $600,000 n/a 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $600,000 n/a 0.0%
TOTAL MORTGAGE SERVICES, LLC $595,000 n/a 0.0%
Watermark Capital, Inc. $685,000 $595,000 -13.1% 0.0%
Colonial Savings, F.A. $105,000 $585,000 457.1% 0.0%
Farmers Bank & Trust $570,000 n/a 0.0%
EVANSVILLE TEACHERS $1,215,000 $560,000 -53.9% 0.0%
First Western Trust Bank $555,000 n/a 0.0%
SHELTER HOME MORTGAGE, LLC $550,000 n/a 0.0%
Academy Bank $545,000 n/a 0.0%
JMJ FINANCIAL GROUP $545,000 n/a 0.0%
Fulton Bank $535,000 n/a 0.0%
HALLMARK HOME MORTGAGE, LLC $535,000 n/a 0.0%
CITIZENS EQUITY FIRST $205,000 $530,000 158.5% 0.0%
HONDA Federal Credit Union $1,205,000 $530,000 -56.0% 0.0%
FIRST ALLIANCE HOME MORTGAGE, LLC $235,000 $520,000 121.3% 0.0%
GUARANTY HOME MORTGAGE CORPORATION $390,000 $520,000 33.3% 0.0%
MLD MORTGAGE INC. $520,000 n/a 0.0%
SWBC MORTGAGE CORPORATION $245,000 $515,000 110.2% 0.0%
CityWorth Mortgage LLC $675,000 $510,000 -24.4% 0.0%
Simmons Bank $505,000 n/a 0.0%
OVM FINANCIAL, INC. $175,000 $495,000 182.9% 0.0%
CRESCENT MORTGAGE COMPANY $490,000 n/a 0.0%
EVERETT FINANCIAL, INC. $1,720,000 $490,000 -71.5% 0.0%
GMFS LLC $475,000 n/a 0.0%
MIDLAND MORTGAGE CORPORATION $135,000 $470,000 248.1% 0.0%
MORIA DEVELOPMENT, INC. $790,000 $470,000 -40.5% 0.0%
Triumph Bank $2,715,000 $470,000 -82.7% 0.0%
CAROLINAS TELCO FEDERAL CREDIT UNION $1,595,000 $450,000 -71.8% 0.0%
Clear Mountain Bank $445,000 n/a 0.0%
Synovus Bank $380,000 $430,000 13.2% 0.0%
Presidential Bank, FSB $425,000 n/a 0.0%
Southwest Airlines Federal Credit Union $415,000 $425,000 2.4% 0.0%
LOANLEADERS OF AMERICA, INC. $635,000 $420,000 -33.9% 0.0%
LOANFLIGHT LENDING, LLC $415,000 n/a 0.0%
SUMMIT FUNDING, INC. $1,845,000 $415,000 -77.5% 0.0%
WESTERN EXPRESS LENDING $395,000 n/a 0.0%
BELEM SERVICING LLC $465,000 $390,000 -16.1% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $390,000 n/a 0.0%
Farmers & Merchants Bank $540,000 $385,000 -28.7% 0.0%
PIKE CREEK MORTGAGE SERVICES, INC. $510,000 $385,000 -24.5% 0.0%
PLUS RELOCATION MORTGAGE, LLC $385,000 n/a 0.0%
REVERSE MORTGAGE FUNDING LLC $485,000 $385,000 -20.6% 0.0%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $380,000 n/a 0.0%
Axos Bank $755,000 $380,000 -49.7% 0.0%
United Nations Federal Credit Union $175,000 $365,000 108.6% 0.0%
MID-ISLAND MORTGAGE CORP. $155,000 $360,000 132.3% 0.0%
Armed Forces Bank $355,000 n/a 0.0%
Community First National Bank $355,000 n/a 0.0%
THRIVE MORTGAGE, LLC $315,000 $345,000 9.5% 0.0%
Hometown Equity Mortgage, LLC $145,000 $340,000 134.5% 0.0%
Keystone Funding, Inc. $340,000 n/a 0.0%
LANGLEY $340,000 n/a 0.0%
Tyndall Federal Credit Union $340,000 n/a 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $330,000 n/a 0.0%
Fidelity Bank $195,000 $330,000 69.2% 0.0%
AMWEST FUNDING CORP. $325,000 n/a 0.0%
FAMILY FIRST FUNDING LLC $185,000 $320,000 73.0% 0.0%
GROUP MORTGAGE, LLC $275,000 $315,000 14.5% 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $390,000 $310,000 -20.5% 0.0%
FLAT BRANCH MORTGAGE, INC. $305,000 n/a 0.0%
JET DIRECT FUNDING CORP $305,000 n/a 0.0%
MORTGAGE INVESTORS GROUP, INC. $305,000 n/a 0.0%
NATIONS RELIABLE LENDING, LLC $215,000 $305,000 41.9% 0.0%
OPEN MORTGAGE, LLC $610,000 $305,000 -50.0% 0.0%
UNIFY FINANCIAL Credit Union $305,000 n/a 0.0%
NEXTMARK $440,000 $300,000 -31.8% 0.0%
AMERICAN FINANCE HOUSE LARIBA $295,000 n/a 0.0%
NewTowne Mortgage, LLC $295,000 n/a 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $6,490,000 $295,000 -95.5% 0.0%
The Conway National Bank $295,000 n/a 0.0%
CenterBank $290,000 n/a 0.0%
FOUNDERS FEDERAL CREDIT UNION $275,000 $290,000 5.5% 0.0%
Citadel Servicing Corporation $285,000 n/a 0.0%
PURDUE FEDERAL CREDIT UNION $285,000 n/a 0.0%
CITY FIRST MORTGAGE SERVICES, L.L.C. $175,000 $280,000 60.0% 0.0%
DELTA COMMUNITY CREDIT UNION $280,000 n/a 0.0%
The Park National Bank $260,000 $275,000 5.8% 0.0%
FAY SERVICING, LLC $270,000 n/a 0.0%
First Carolina Bank $145,000 $270,000 86.2% 0.0%
LENDERFI, INC. $750,000 $270,000 -64.0% 0.0%
SILVER HILL FUNDING, LLC $270,000 n/a 0.0%
BEST CAPITAL FUNDING $265,000 n/a 0.0%
NTFN, INC. $225,000 $265,000 17.8% 0.0%
UNIVERSITY LENDING GROUP, LLC $265,000 n/a 0.0%
Servion, Inc. $105,000 $260,000 147.6% 0.0%
SOUTHWEST STAGE FUNDING, LLC $510,000 $260,000 -49.0% 0.0%
TIDEWATER MORTGAGE SERVICES, INC. $260,000 n/a 0.0%
Beeline Loans, Inc. $255,000 n/a 0.0%
FIRST STATE MORTGAGE SERVICES, LLC $155,000 $255,000 64.5% 0.0%
North State Bank $2,630,000 $255,000 -90.3% 0.0%
Assurance Financial Group, L.L.C. $265,000 $250,000 -5.7% 0.0%
Amerifirst Financial, Inc. $245,000 n/a 0.0%
Aurora Financial, LLC $1,350,000 $245,000 -81.9% 0.0%
BAY EQUITY LLC $700,000 $245,000 -65.0% 0.0%
RESIDENTIAL BANCORP. $245,000 n/a 0.0%
STANFORD Federal Credit Union $325,000 $245,000 -24.6% 0.0%
The Loan Store, Inc. $240,000 n/a 0.0%
Peoples Bank $380,000 $235,000 -38.2% 0.0%
ALL REVERSE MORTGAGE, INC. $230,000 n/a 0.0%
Arthur State Bank $225,000 n/a 0.0%
East Coast Capital Corp. $295,000 $225,000 -23.7% 0.0%
KS StateBank $1,520,000 $225,000 -85.2% 0.0%
WEYCO COMMUNITY CREDIT UNION $225,000 n/a 0.0%
Capital Bank $215,000 n/a 0.0%
Credence Funding Corporation $255,000 $215,000 -15.7% 0.0%
Auto Club Trust, FSB $205,000 n/a 0.0%
BM Real Estate Services, Inc. $630,000 $205,000 -67.5% 0.0%
DOMINION FINANCIAL SERVICES, LLC $660,000 $205,000 -68.9% 0.0%
Marriott Employees' Federal Credit Union $205,000 n/a 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $280,000 $205,000 -26.8% 0.0%
United Fidelity Funding Corp. $335,000 $205,000 -38.8% 0.0%
WESCOM CENTRAL CREDIT UNION $205,000 n/a 0.0%
HOMEXPRESS MORTGAGE CORP. $195,000 n/a 0.0%
ONY GLO, INC. $195,000 n/a 0.0%
Patriot Bank $195,000 n/a 0.0%
UIF CORPORATION $195,000 n/a 0.0%
Chickasaw Community Bank $185,000 n/a 0.0%
Independent Bank $185,000 n/a 0.0%
Vellum Mortgage, Inc. $165,000 $185,000 12.1% 0.0%
VERITAS FUNDING, LLC $185,000 n/a 0.0%
WINGS FINANCIAL $185,000 n/a 0.0%
CASTLE & COOKE MORTGAGE, LLC $180,000 n/a 0.0%
First National Bank of Omaha $175,000 n/a 0.0%
MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION $175,000 n/a 0.0%
Mortgage Network, Inc. $885,000 $175,000 -80.2% 0.0%
Signature Federal Credit Union $175,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $75,000 $175,000 133.3% 0.0%
Truity Federal Credit Union $105,000 $175,000 66.7% 0.0%
DAS Acquisition Company, LLC $165,000 n/a 0.0%
OCMBC, INC. $165,000 n/a 0.0%
BAYCOAST MORTGAGE COMPANY, LLC $135,000 $155,000 14.8% 0.0%
ENVOY MORTGAGE, LTD $505,000 $155,000 -69.3% 0.0%
Home Mortgage Alliance Corp $155,000 n/a 0.0%
NORWICH COMMERCIAL GROUP, INC. $390,000 $155,000 -60.3% 0.0%
ALLIANT CREDIT UNION $655,000 $150,000 -77.1% 0.0%
Liberty Savings Bank, F.S.B. $145,000 n/a 0.0%
Commonwealth Bank and Trust Company $200,000 $135,000 -32.5% 0.0%
Sunflower Bank $560,000 $135,000 -75.9% 0.0%
UNITED NORTHERN MORTGAGE BANKERS LIMITED $135,000 n/a 0.0%
1st Summit Bank $125,000 n/a 0.0%
Great Plains National Bank $125,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $260,000 $125,000 -51.9% 0.0%
NJ LENDERS CORP. $125,000 n/a 0.0%
Platinum Home Mortgage Corporation $125,000 n/a 0.0%
Santander Bank, N.A. $285,000 $125,000 -56.1% 0.0%
Visio Financial Services Inc. $125,000 n/a 0.0%
Advisors Mortgage Group, L.L.C. $295,000 $115,000 -61.0% 0.0%
Grow Financial Federal Credit Union $230,000 $115,000 -50.0% 0.0%
The Cortland Savings and Banking Company $115,000 n/a 0.0%
AMCAP MORTGAGE, LTD. $360,000 $105,000 -70.8% 0.0%
Evolve Bank & Trust $660,000 $105,000 -84.1% 0.0%
ITHINK FINANCIAL Credit Union $105,000 n/a 0.0%
LONGBRIDGE FINANCIAL, LLC $375,000 $105,000 -72.0% 0.0%
Midwest BankCentre $105,000 n/a 0.0%
S1L, Inc. $105,000 n/a 0.0%
Summit Community Bank, Inc. $105,000 n/a 0.0%
GEO-CORP, INC. $95,000 n/a 0.0%
Powell Valley National Bank $95,000 n/a 0.0%
CONSUMERS COOPERATIVE CREDIT UNION $85,000 n/a 0.0%
HOMEOWNERS FINANCIAL GROUP USA, LLC $85,000 n/a 0.0%
PROPONENT Federal Credit Union $85,000 n/a 0.0%
THRIVENT Federal Credit Union $85,000 n/a 0.0%
Bank of Bartlett $75,000 n/a 0.0%
First American Bank $75,000 n/a 0.0%
NORTHROP GRUMMAN Federal Credit Union $75,000 n/a 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $75,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $65,000 n/a 0.0%
DELMAR FINANCIAL COMPANY $65,000 n/a 0.0%
MidFirst Bank $65,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $65,000 n/a 0.0%
CREDIT UNION OF NEW JERSEY $55,000 n/a 0.0%
Flint Community Bank $55,000 n/a 0.0%
SOUTH CAROLINA FEDERAL CREDIT UNION $45,000 n/a 0.0%
Carter Bank & Trust $150,000 $35,000 -76.7% 0.0%
Home Loan Investment Bank, F.S.B. $80,000 $30,000 -62.5% 0.0%
CORPORATE AMERICA FAMILY $105,000 $25,000 -76.2% 0.0%
EASTMAN $245,000 $25,000 -89.8% 0.0%

WINSTON - SALEM's top lender by overall market share is QUICKEN LOANS, LLC, with 8.9% market share. In second place, with 6.6%, is STATE EMPLOYEES', having originated $397,210,000 in loans. In third place, with 5.7%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $345,010,000 in loans. In third place, with 4.2%, is Truist Bank, having originated $252,515,000 in loans. In third place, with 3.9%, is Wells Fargo Bank, having originated $233,265,000 in loans.


WINSTON-SALEM, NC Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 11,337 $2,678,905,000 $236,298
Refi 11,216 $2,246,040,000 $200,253
Cash Out Refi 4,469 $847,895,000 $189,728
Other 1,439 $132,185,000 $91,859
Home Improvement 1,407 $109,225,000 $77,630
NA 2 $500,000 $250,000

Winston - Salem's most frequently cited loan purpose was Home Purchase, with 11,337 originations. The 2nd most popular reason was Refi, with 11,216 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 11,439 $2,409,645,000 $210,652
3-4% 11,043 $2,221,535,000 $201,171
<2.5% 5,331 $1,026,375,000 $192,530
4-5% 1,174 $237,460,000 $202,266
5-6% 232 $28,670,000 $123,578
Over 8% 157 $13,595,000 $86,592
6-7% 107 $21,055,000 $196,776
7-8% 68 $8,090,000 $118,971

During 2021, Winston - Salem's most frequently originated rate bucket was 2.5-3%, with 11,439 originations.

Loan Sizing (WINSTON-SALEM, NC MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 12,961 $1,916,195,000 $147,843
$200k-400k 9,286 $2,503,290,000 $269,577
$100,000 or less 5,988 $366,080,000 $61,136
$400k-600k 1,258 $595,420,000 $473,307
$600k-1000k 284 $206,440,000 $726,901
$Over $1MM 93 $427,325,000 $4,594,892

WINSTON - SALEM's loan sizing saw the bucket of loans from $100k-200k with 12,961 originations, totaling $1,916,195,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 10,777 $2,490,585,000 $231,102
60-80% 9,355 $2,250,815,000 $240,600
40-60% 4,179 $687,355,000 $164,478
20-40% 2,405 $231,945,000 $96,443
Under 20% 1,821 $72,585,000 $39,860
Over 100% 275 $70,675,000 $257,000

WINSTON - SALEM's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 10,777 originations, totaling $2,490,585,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)