# Best Conventional Mortgage Lenders in Goldsboro, NC

**As of:** 2026-05-20

Compare the top Conventional mortgage lenders in Goldsboro, NC. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/goldsboro-nc/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 26
- **Total Loans:** 1,124
- **Median Rate Spread:** -0.022115384615384613%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | STATE EMPLOYEES' | 89 | 71 | 73 | 134 | Credit Union |
| 2 | American Security Mortgage Corp. | 85 | 61 | 69 | 75 | Independent Mortgage Company |
| 3 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 80 | 25 | 80 | 156 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 98 | Independent Mortgage Company |
| 5 | Truist Bank | 79 | 71 | 69 | 13 | Bank |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 64 | Independent Mortgage Company |
| 7 | Southern Bank and Trust Company | 74 | 59 | 72 | 18 | Bank |
| 8 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 27 | Bank |
| 9 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 18 | Bank |
| 10 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 69 | Independent Mortgage Company |
| 11 | MICHIGAN MUTUAL, INC. | 67 | 29 | 66 | 52 | Independent Mortgage Company |
| 12 | CROSSCOUNTRY MORTGAGE, LLC | 66 | 21 | 74 | 21 | Independent Mortgage Company |
| 13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 66 | 25 | 78 | 13 | Independent Mortgage Company |
| 14 | FBC MORTGAGE, LLC | 63 | 36 | 60 | 38 | Independent Mortgage Company |
| 15 | CORNERSTONE CAPITAL BANK, SSB | 60 | 20 | 74 | 58 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Goldsboro, NC.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.