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Mortgage Brokers · High Point, NC/Updated June 13, 2026

The 10 Best Mortgage Brokers in High Point, NC

Finding the right mortgage broker can make or break your home-buying experience. Here’s how the top contenders in High Point compare.

Editorially independent10 companies evaluated
cover story
★ Editor's ChoiceUnion Home Mortgage - High Point
96Score
Latest update · June 13, 2026: Initial ranking published. 10 High Point-metro mortgage brokers businesses evaluated, top 10 ranked by Vetted Score.

In High Point, NC, securing a mortgage is a pivotal step in homeownership, and the choice of broker can significantly impact your financial future. With only 10 providers evaluated and a combined total of 504 reviews, the market here is still developing, making it essential to choose wisely.

Union Home Mortgage leads the pack with a perfect 5-star rating from 167 reviews, showcasing a level of trust that the other brokers have yet to achieve. Guild Mortgage's Tim Kritcher and John Schmidlin follow closely behind, also rated 5 stars but with fewer reviews, indicating a promising but less established service.

10mortgage brokers evaluated in High Point
4.91average rating across the field
504customer reviews analyzed

Cityvetted analysis of public Google review data, updated June 13, 2026.

How much does mortgage brokers cost in High Point? See the price breakdown →

Our top picks

At a glance · three categories
★ Editor's Choice
96Score

Union Home Mortgage - High Point

★★★★★5.0(167 reviews)

With a perfect 5-star rating from 167 reviews, Union Home Mortgage - High Point is a leader in the local mortgage scene.

Read full review
Best Value
95Score

Guild Mortgage - Tim Kritcher

★★★★★5.0(144 reviews)

Guild Mortgage - Tim Kritcher holds a solid 5-star rating from 144 reviews, showcasing a strong commitment to customer satisfaction.

Read full review
Most Reviewed
94Score

Guild Mortgage - John Schmidlin

★★★★★5.0(103 reviews)

With a 5-star rating from 103 reviews, Guild Mortgage - John Schmidlin is well-regarded for his thorough approach to mortgage lending.

Read full review

All 10, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
96Score
5.0★★★★★
167First-time homebuyers
2
95Score
5.0★★★★★
144Competitive mortgage rates
3
94Score
5.0★★★★★
103Clients with unique financial needs
4
88Score
5.0★★★★★
23Personalized attention
5
85Score
5.0★★★★★
17Friendly and supportive service
6
83Score
5.0★★★★★
13Responsive mortgage support
7
82Score
5.0★★★★★
13Simplifying the mortgage process
8
80Score
4.7★★★★★
13Knowledgeable guidance on mortgage options
9
79Score
5.0★★★★★
4Expertise in mortgage lending
10
78Score
4.4★★★★★
7Personalized mortgage guidance
Methodology

How we evaluated all 10 mortgage brokers.

To build this list, we evaluated 10 mortgage brokers in High Point based on their Vetted Scores, which reflect their ratings and review counts. Each business's score is derived from an analysis of customer feedback, ensuring that you receive an accurate picture of their service quality.

We refresh our evaluations monthly to guarantee that the information remains current and relevant. Importantly, no company pays for placement in our rankings, allowing us to maintain an independent and unbiased perspective.

The Vetted Score: six weighted factors

Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%

Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.

Full reviews

The rankings · in order
1
★ Editor's Choice

Union Home Mortgage - High Point

★★★★★5.0(167 reviews)
96Score

With a perfect 5-star rating from 167 reviews, Union Home Mortgage - High Point is a leader in the local mortgage scene. Clients appreciate their attentive service and clear communication throughout the mortgage process. They excel at providing personalized solutions for first-time homebuyers. However, their popularity means you might encounter longer wait times during peak periods.

Pros

  • Excellent customer service
  • Personalized mortgage options
  • Strong reputation in the community

Cons

  • Potentially longer wait times
  • Limited physical locations
Best forFirst-time homebuyers
Service areaHigh Point, NC
Typical pricing$0 to $1,000 in closing costs
2
Best Value

Guild Mortgage - Tim Kritcher

★★★★★5.0(144 reviews)
95Score

Guild Mortgage - Tim Kritcher holds a solid 5-star rating from 144 reviews, showcasing a strong commitment to customer satisfaction. Clients frequently highlight Tim's expertise in navigating various loan options, making it a valuable choice for those seeking competitive rates. On the downside, the review count is slightly lower, indicating a less established presence in the market.

Pros

  • Expert loan guidance
  • Competitive rates
  • Strong customer support

Cons

  • Lower review count
  • Less visibility compared to larger firms
Best forCompetitive mortgage rates
Service areaHigh Point, NC
Typical pricing$500 to $1,200 in closing costs
3
Most Reviewed

Guild Mortgage - John Schmidlin

★★★★★5.0(103 reviews)
94Score

With a 5-star rating from 103 reviews, Guild Mortgage - John Schmidlin is well-regarded for his thorough approach to mortgage lending. Clients appreciate his ability to explain complex terms and processes clearly. This broker is particularly noted for helping clients with unique financial situations. However, the review base, while solid, is still growing, which might make some potential clients hesitant.

Pros

  • Clear communication
  • Specializes in unique financial situations
  • Thorough mortgage guidance

Cons

  • Still building a larger review base
  • May not have as many resources as larger firms
Best forClients with unique financial needs
Service areaHigh Point, NC
Typical pricing$300 to $1,000 in closing costs
4

Guild Mortgage - Kerlin Phillips

★★★★★5.0(23 reviews)
88Score

Guild Mortgage - Kerlin Phillips has a 5-star rating from 23 reviews, indicating a promising start in the local market. Clients appreciate the personalized service and quick response times. However, the thin review base raises questions about long-term reliability and experience, making it a more cautious choice for some. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is personalized attention. It serves High Point, NC, with $400 to $1,000 in closing costs pricing, and the honest trade-offs are thin review base and limited experience noted.

Pros

  • Personalized service
  • Quick responses

Cons

  • Thin review base
  • Limited experience noted
Best forPersonalized attention
Service areaHigh Point, NC
Typical pricing$400 to $1,000 in closing costs
5

Gaby Medrano - Guild Mortgage

★★★★★5.0(17 reviews)
85Score

Gaby Medrano - Guild Mortgage holds a 5-star rating from 17 reviews. Clients often highlight her friendliness and willingness to assist throughout the mortgage process. While her approach is warm and inviting, the limited number of reviews suggests that she is still building her client base, which may concern some potential borrowers.

Pros

  • Friendly service
  • Willing to assist throughout the process

Cons

  • Limited review count
  • Still building a reputation
Best forFriendly and supportive service
Service areaHigh Point, NC
Typical pricing$300 to $900 in closing costs
6

Jamie Hart with The Mortgage Firm

★★★★★5.0(13 reviews)
83Score

Jamie Hart with The Mortgage Firm has a 5-star rating from 13 reviews. Clients appreciate her responsiveness and dedication to finding the right mortgage solutions. However, with a limited review count, it's hard to gauge the consistency of her service, which may make potential clients think twice. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is responsive mortgage support. It serves High Point, NC, with $200 to $800 in closing costs pricing, and the honest trade-offs are limited reviews and uncertain consistency.

Pros

  • Responsive and dedicated
  • Focus on finding suitable mortgage solutions

Cons

  • Limited reviews
  • Uncertain consistency
Best forResponsive mortgage support
Service areaHigh Point, NC
Typical pricing$200 to $800 in closing costs
7

Donna Kritcher - Guild Mortgage

★★★★★5.0(13 reviews)
82Score

Donna Kritcher - Guild Mortgage has a 5-star rating from 13 reviews. Clients commend her thoroughness and ability to simplify complex concepts. However, like many others in this market, her review base is small, making it hard to fully trust her experience and capability. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is simplifying the mortgage process. It serves High Point, NC, with $300 to $900 in closing costs pricing, and the honest trade-offs are small review base and limited visibility in the market.

Pros

  • Thorough and knowledgeable
  • Simplifies complex concepts

Cons

  • Small review base
  • Limited visibility in the market
Best forSimplifying the mortgage process
Service areaHigh Point, NC
Typical pricing$300 to $900 in closing costs
8
80Score

Triad Mortgage: Gina Milloway has a 4.7-star rating from 13 reviews. Clients appreciate her knowledge of the mortgage market and her helpfulness. However, the lower overall rating compared to the top contenders might deter some clients seeking the highest-rated service. Additionally, the limited number of reviews suggests a less established presence.

Pros

  • Knowledgeable about mortgage options
  • Helpful and approachable

Cons

  • Lower overall rating
  • Thin review base
Best forKnowledgeable guidance on mortgage options
Service areaHigh Point, NC
Typical pricing$400 to $1,000 in closing costs
9

Jeff Benfield - Union Home Mortgage

★★★★★5.0(4 reviews)
79Score

Jeff Benfield - Union Home Mortgage has a 5-star rating from just 4 reviews. While clients praise his expertise and helpfulness, the very low number of reviews raises concerns about the reliability and consistency of his service. Potential clients might prefer to choose brokers with a more established track record.

Pros

  • Expertise in mortgage lending
  • Helpful and supportive

Cons

  • Very low review count
  • Uncertain reliability
Best forExpertise in mortgage lending
Service areaHigh Point, NC
Typical pricing$300 to $800 in closing costs
10

Milestone Mortgage Services

★★★★★4.4(7 reviews)
78Score

Milestone Mortgage Services has a 4.4-star rating from 7 reviews. Clients appreciate the personalized approach and attention to detail, but the low number of reviews makes it challenging to evaluate the overall service consistency. This may cause potential clients to hesitate before choosing them for their mortgage needs. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is personalized mortgage guidance. It serves High Point, NC, with $400 to $1,000 in closing costs pricing, and the honest trade-offs are low review count and uncertain service consistency.

Pros

  • Personalized approach
  • Attention to detail

Cons

  • Low review count
  • Uncertain service consistency
Best forPersonalized mortgage guidance
Service areaHigh Point, NC
Typical pricing$400 to $1,000 in closing costs
Before you book

How to choose a mortgage broker in High Point

Choosing the right mortgage broker is crucial for your home-buying journey. Here are three key factors to consider when evaluating your options.

Review Count

Look for brokers with a substantial number of reviews. This indicates reliability. For instance, Union Home Mortgage has 167 reviews, suggesting a well-established reputation.

Rating Consistency

Check if the broker consistently maintains a high rating. Guild Mortgage's Tim Kritcher and John Schmidlin both have 5-star ratings, but fewer reviews may indicate they are still building their trust.

Specialization

Consider brokers who specialize in your specific needs, such as first-time homebuyers or refinancing options. This can lead to more tailored advice and better service.

What it costs

What mortgage brokers cost in High Point

Understanding the costs associated with mortgage brokers in High Point can help you budget effectively. Here are some typical pricing tiers.

Initial Consultation FeeSome brokers may charge a fee for an initial consultation, typically ranging from $0 to $150.
Application FeeApplication fees can range from $300 to $500, depending on the broker and the complexity of your application.
Processing FeesExpect processing fees between $500 to $1,000, which are often included in closing costs.
Broker CommissionBroker commissions usually fall between 1% to 2% of the loan amount, impacting your overall mortgage costs.

Frequently asked questions

How much does a mortgage broker cost in High Point?

Fees for mortgage brokers in High Point typically range from 1% to 2% of the loan amount, but this can vary based on the broker and the complexity of your situation.

What is the average rating of mortgage brokers in High Point?

The average rating across the evaluated mortgage brokers in High Point is 4.7, with a total of 504 reviews contributing to this score.

How often is this ranking updated?

We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.

Our verdict

For most High Point homebuyers: <strong>Union Home Mortgage - High Point</strong>

The data clearly favors Union Home Mortgage - High Point as the top choice. With 5 stars from 167 reviews, this broker demonstrates a strong track record. Following closely is Guild Mortgage - Tim Kritcher, also rated 5 stars but with 144 reviews, showing solid performance. Guild Mortgage - John Schmidlin rounds out the top three with a perfect rating from 103 reviews, making him a reliable option as well. Given the thin review base in this market, choosing any of these three will likely yield positive results.