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Looking for a mortgage lender in Kinston? Review the directory below to compare your options.
17 agents listed
Updated May 2026
Kinston, NC
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the North Carolina before hiring.
Showing 17 mortgage lenders in Kinston, NC
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Time Financing Service
1600 W Vernon Ave, Kinston, NC 28504
2522080142
National Finance Company
405 W Vernon Ave, Kinston, NC 28501
2525238107
First Choice Homes
800 E New Bern Rd, Kinston, NC 28501
2525233680
Down East Realty & Custom Homes of Kinston
1504 W New Bern Rd, Kinston, NC 28504
2526430501
Ezzell Mortgage Group
2600 W Vernon Ave, Kinston, NC 28504
2525238171
OneMain Financial
506 Plaza Blvd, Kinston, NC 28501
2525223211
Self Help Credit Union
1910 W Vernon Ave, Kinston, NC 28504
2525206602
Greater Kinston Credit Union
901 N Queen St, Kinston, NC 28501
2525274002
Lendmark Financial Services LLC
4167 W Vernon Ave, Kinston, NC 28504
2525235161
Future Financial Services LLC
827 Hardee Rd, Kinston, NC 28504
2525271503
United Bank
1900 W Vernon Ave, Kinston, NC 28504
2525230996
Truist
2009 W Vernon Ave, Kinston, NC 28504
2525594600
Carolina Finance
803 N Queen St, Kinston, NC 28501
2525271035
SMC Home Finance
717 Rosanne Dr STE 1, Kinston, NC 28504
2525235800
PNC Mortgage
609 Plaza Blvd, Kinston, NC 28501
2525592240
East Carolina Mortgage
2506 N Herritage St Suite B, Kinston, NC 28501
2525238171
Southern Bank
514 Plaza Blvd, Kinston, NC 28501
2522127080
Mortgage lenders in Kinston, North Carolina help home buyers and homeowners secure financing for home purchases and refinancing. North Carolina law requires lenders to be licensed through the North Carolina Commissioner of Banks. Local lenders understand the Kinston real estate market and can guide you through the loan process from pre-approval to closing.
What Does a Mortgage Lender in Kinston Cost?
Typical costs for a mortgage lender in North Carolina include an origination fee of 0.5% to 1% of the loan amount, appraisal fees from $400 to $700, and title insurance which can cost $500 to $1,500. Closing costs generally range from 2% to 5% of the purchase price. These amounts vary by lender and loan type. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Kinston?
You typically need pay stubs, tax returns, bank statements, and photo ID. North Carolina lenders also require a credit check and proof of employment. Each lender may ask for additional documents based on your loan type.
How long does a mortgage closing take in North Carolina?
A standard mortgage closing in North Carolina usually takes 30 to 45 days from application to closing. This timeline can vary based on the lender, property appraisal, and your financial situation. North Carolina law does not set a specific closing deadline.
Are there first-time home buyer programs in Kinston?
Yes, the North Carolina Housing Finance Agency offers down payment assistance and low-interest loans for first-time buyers. Kinston residents may also qualify for local programs through the city or county. Contact a lender to check your eligibility.
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Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the North Carolina.