CityVettedCityvetted
Independent. Never pay-to-play.
Local services · Winston-Salem, NC/Updated June 13, 2026

The Best Mortgage Brokers in Winston-Salem, NC

Finding the right mortgage broker can make all the difference in your home-buying journey. Here are the best options in Winston-Salem.

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

Securing a mortgage is a critical step in the home-buying process, and having a knowledgeable broker can ease the burden. In Winston-Salem, a city rich in history and growing opportunities, the right mortgage broker can help navigate various financing options and ensure a smooth transaction.

To determine the best mortgage brokers in Winston-Salem, we analyzed numerous local businesses based on customer reviews, ratings, and overall service quality. Our goal was to present options that offer both reliability and expertise, ensuring you can find the perfect match for your needs.

10providers evaluated in Winston-Salem
4.93average rating across the field
1.4Kcustomer reviews analyzed

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

How much does this service cost in Winston-Salem? See the price breakdown →

Our top picks

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

Highlands Residential Mortgage

★★★★★5.0(257 reviews)

Highlands Residential Mortgage boasts an impressive rating of 5 from 257 reviews, making it a top choice in Winston-Salem.

Read full review
Most Reviewed
95Score

Fairway Independent Mortgage Corporation

★★★★★4.9(399 reviews)

With a stellar rating of 4.9 from 399 reviews, Fairway Independent Mortgage Corporation is highly regarded in Winston-Salem.

Read full review
Top Pick
94Score

Ryan A Reynolds has an outstanding rating of 5 based on 118 reviews.

Read full review

All 10, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
96Score
5.0★★★★★
257First-time homebuyers
2
95Score
4.9★★★★★
399Diverse loan options
3
94Score
5.0★★★★★
118Personalized mortgage guidance
4
93Score
5.0★★★★★
98Streamlined mortgage processes
5
92Score
4.9★★★★★
157Tailored mortgage solutions
6
91Score
4.9★★★★★
139Competitive mortgage rates
7
90Score
5.0★★★★★
63Expert mortgage advice
8
89Score
5.0★★★★★
46Professional mortgage support
9
82Score
4.7★★★★★
149Team-oriented mortgage solutions
10
78Score
4.9★★★★★
24Personalized assistance
Methodology

How we evaluated all 10 providers.

We evaluated the mortgage brokers based on their Vetted Scores, which consider factors like customer feedback and service offerings. Our list reflects brokers who excel in their field and have a strong presence in the community. Importantly, no one pays for placement on our site, ensuring an unbiased ranking.

This ranking is refreshed monthly, utilizing the latest review data to provide the most accurate and up-to-date information. Our commitment is to present the best options for consumers seeking mortgage services in Winston-Salem.

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

Highlands Residential Mortgage

★★★★★5.0(257 reviews)
96Score

Highlands Residential Mortgage boasts an impressive rating of 5 from 257 reviews, making it a top choice in Winston-Salem. Reviewers frequently commend their attentive service and expertise, particularly in first-time homebuyer scenarios. One drawback is that their services may be limited to specific loan types, which could restrict options for some clients.

Pros

  • Excellent customer service
  • Specializes in first-time homebuyers
  • Highly rated by clients

Cons

  • Limited loan types available
  • May not cater to all credit situations
Best forFirst-time homebuyers
Service areaWinston-Salem, NC
Typical pricing$0 to $200 consultation fee
2
Most Reviewed

Fairway Independent Mortgage Corporation

★★★★★4.9(399 reviews)
95Score

With a stellar rating of 4.9 from 399 reviews, Fairway Independent Mortgage Corporation is highly regarded in Winston-Salem. Clients appreciate their diverse loan options and knowledgeable staff. However, some customers mention that response times can vary during peak periods, leading to occasional delays. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is diverse loan options. It serves Winston-Salem, NC, with $300 to $500 application fee pricing, and the honest trade-offs are variable response times and can be busy during peak seasons.

Pros

  • Wide range of loan products
  • Experienced professionals
  • High customer satisfaction

Cons

  • Variable response times
  • Can be busy during peak seasons
Best forDiverse loan options
Service areaWinston-Salem, NC
Typical pricing$300 to $500 application fee

Ryan A Reynolds has an outstanding rating of 5 based on 118 reviews. Clients praise his personalized approach and responsiveness throughout the mortgage process. While he is highly regarded, the relatively smaller review count suggests he is promising but unproven compared to other top brokers. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is personalized mortgage guidance. It serves Winston-Salem, NC, with $0 to $200 consultation fee pricing, and the honest trade-offs are smaller review base and limited visibility compared to larger firms.

Pros

  • Personalized service
  • Responsive communication
  • Strong client relationships

Cons

  • Smaller review base
  • Limited visibility compared to larger firms
Best forPersonalized mortgage guidance
Service areaWinston-Salem, NC
Typical pricing$0 to $200 consultation fee
4
93Score

Mike Bailey also holds a perfect 5-star rating from 98 reviews. Clients often highlight his proactive communication and ability to simplify complex processes. However, some feedback indicates that he may have limited availability during busy times, which can be a concern for urgent requests. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is streamlined mortgage processes. It serves Winston-Salem, NC, with $300 to $500 application fee pricing, and the honest trade-offs are limited availability at times and can be busy during peak periods.

Pros

  • Proactive communication
  • Simplifies complex processes
  • Highly rated by clients

Cons

  • Limited availability at times
  • Can be busy during peak periods
Best forStreamlined mortgage processes
Service areaWinston-Salem, NC
Typical pricing$300 to $500 application fee
5

Jill Burgess - Ameris Bank Mortgage

★★★★★4.9(157 reviews)
92Score

Jill Burgess has a strong rating of 4.9 from 157 reviews, with clients appreciating her thoroughness and dedication. She excels in providing tailored solutions for diverse financial situations. A potential drawback is that her office hours may be limited, which could affect accessibility for some clients. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is tailored mortgage solutions. It serves Winston-Salem, NC, with $0 to $200 consultation fee pricing, and the honest trade-offs are limited office hours and accessibility may be an issue.

Pros

  • Thorough and dedicated
  • Tailors solutions to clients
  • Highly praised service

Cons

  • Limited office hours
  • Accessibility may be an issue
Best forTailored mortgage solutions
Service areaWinston-Salem, NC
Typical pricing$0 to $200 consultation fee
6
91Score

Atlantic Bay Mortgage Group enjoys a rating of 4.9 from 139 reviews. Clients often highlight their friendly staff and competitive rates. However, some reviews mention that processing times can be longer than expected, which might not suit those needing quick funding. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is competitive mortgage rates. It serves Winston-Salem, NC, with $300 to $500 application fee pricing, and the honest trade-offs are longer processing times and may not suit urgent needs.

Pros

  • Friendly and knowledgeable staff
  • Competitive rates
  • Positive client experiences

Cons

  • Longer processing times
  • May not suit urgent needs
Best forCompetitive mortgage rates
Service areaWinston-Salem, NC
Typical pricing$300 to $500 application fee
7
90Score

Andi Lentz has a perfect rating of 5 from 63 reviews, earning praise for her attentive service and expertise in various mortgage products. While her review count is lower, indicating a promising but unproven presence, clients appreciate her dedication to securing the best deals. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is expert mortgage advice. It serves Winston-Salem, NC, with $0 to $200 consultation fee pricing, and the honest trade-offs are promising but unproven and lower review count.

Pros

  • Attentive and knowledgeable
  • Expert in mortgage products
  • Highly rated by clients

Cons

  • Promising but unproven
  • Lower review count
Best forExpert mortgage advice
Service areaWinston-Salem, NC
Typical pricing$0 to $200 consultation fee

Chris Jenkins holds a perfect rating of 5 from 46 reviews, with clients praising his professionalism and support throughout the mortgage process. However, his limited number of reviews might suggest he is still building his reputation in the area. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is professional mortgage support. It serves Winston-Salem, NC, with $0 to $200 consultation fee pricing, and the honest trade-offs are limited review base and still building reputation.

Pros

  • Professional and supportive
  • High client satisfaction
  • Positive experiences reported

Cons

  • Limited review base
  • Still building reputation
Best forProfessional mortgage support
Service areaWinston-Salem, NC
Typical pricing$0 to $200 consultation fee

The Sharpe Mortgage Team has a solid rating of 4.7 from 149 reviews. Clients appreciate their team-oriented approach and commitment to finding the right solutions. However, some reviews indicate that communication could be improved, particularly during busy periods. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is team-oriented mortgage solutions. It serves Winston-Salem, NC, with $300 to $500 application fee pricing, and the honest trade-offs are communication could improve and busy periods may cause delays.

Pros

  • Team-oriented approach
  • Strong commitment to clients
  • Positive client feedback

Cons

  • Communication could improve
  • Busy periods may cause delays
Best forTeam-oriented mortgage solutions
Service areaWinston-Salem, NC
Typical pricing$300 to $500 application fee
10

Brian Crewey has a rating of 4.9 with 24 reviews, indicating a positive but limited client base. Clients appreciate his willingness to help, though the small number of reviews suggests he may still be establishing his presence in the market. This could be a consideration for those seeking a more established broker.

Pros

  • Helpful and approachable
  • Positive client feedback
  • Willing to assist

Cons

  • Limited review base
  • Still establishing presence
Best forPersonalized assistance
Service areaWinston-Salem, NC
Typical pricing$0 to $200 consultation fee
Before you book

How to choose a mortgage broker in Winston-Salem

Selecting a mortgage broker is a significant decision that can impact your home-buying experience. Here are some key factors to consider when making your choice.

Experience and Reputation

Look for brokers with a proven track record and positive reviews from past clients.

Loan Options Available

Choose a broker that offers a variety of loan products to find the best fit for your financial situation.

Communication Style

Select a broker who communicates clearly and promptly to keep you informed throughout the process.

Fees and Rates

Compare the costs associated with different brokers to ensure you are getting a competitive deal.

What it costs

What mortgage brokers cost in Winston-Salem

The cost of working with a mortgage broker can vary significantly based on the services provided and the complexity of your financial situation. Here’s a general breakdown of what to expect.

Consultation Fees$0 to $200 for initial consultations, depending on the broker.
Origination FeesTypically range from 0.5% to 1% of the loan amount.
Application Fees$300 to $500, which may cover credit checks and paperwork.
Broker CommissionsUsually 1% to 2% of the loan amount, paid at closing.

Frequently asked questions

How much does a mortgage broker cost in Winston-Salem?

Costs can range from $0 to $200 for consultations, with application fees typically between $300 and $500.

What should I look for in a mortgage broker?

Consider their experience, loan options, communication style, and fees to find the best fit for your needs.

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 Winston-Salem homebuyers: Editor's Choice Highlands Residential Mortgage

For those seeking the best mortgage services in Winston-Salem, Highlands Residential Mortgage stands out with its excellent customer service and extensive expertise. Close behind are Fairway Independent Mortgage Corporation, known for its wide range of loan options, and Ryan A Reynolds, who provides personalized guidance throughout the mortgage process.