Safe Rate Rankings

Best All Lender Mortgage Lenders in Goldsboro

Updated May 20, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders26

Total Loans1,124

Median Rate Spread-0.02%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	VELOCIO MORTGAGE L.L.C.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	$175Fees	1.129%Below	24
2	STATE EMPLOYEES'Credit Union	Exceptional	Strong	Strong	Exceptional	$1,855Fees	0.645%Below	134
3	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	$3,740Fees	0.308%Below	38
4	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$791Fees	0.565%Below	21
5	American Security Mortgage Corp.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,726Fees	0.016%Below	75
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,105Fees	0.196%Below	64
7	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,199Fees	0.299%Above	156
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,877Fees	0.361%Above	98
9	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,768Fees	0.112%Below	30
10	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,462Fees	0.440%Above	27
11	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$1,524Credit	0.089%Below	82
12	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,351Fees	0.342%Above	69
13	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Acceptable	Strong	Strong	$4,473Fees	0.112%Above	58
14	MICHIGAN MUTUAL, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$710Fees	0.227%Above	52
15	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,136Fees	0.776%Above	21

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.