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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Greensboro
Updated February 5, 2026
Market Overview
107
Total Lenders
8,303
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | First Bank | Exceptional | Exceptional | Strong | Strong | $1,289 | -0.072% | 38 | |
2 | STATE EMPLOYEES' | Exceptional | Strong | Strong | Exceptional | $2,103 | -0.664% | 781 | |
3 | Truist Bank | Exceptional | Strong | Strong | Exceptional | $928 | +0.104% | 230 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $539 | -0.388% | 85 | |
5 | Toyota Financial Savings Bank | Exceptional | Exceptional | Sound | Strong | $101 | -0.177% | 29 | |
6 | ALLEGACY FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Sound | -$191 | -0.343% | 25 | |
7 | Truliant Federal Credit Union | Strong | Strong | Sound | Exceptional | $734 | +0.409% | 139 | |
8 | Pinnacle Bank | Strong | Strong | Strong | Strong | $2,050 | +0.079% | 99 | |
9 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Strong | $1,400 | -0.091% | 90 | |
10 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,740 | +0.094% | 74 | |
11 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $2,003 | -0.002% | 25 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,600 | +0.008% | 260 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,852 | +0.026% | 139 | |
14 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,996 | +0.342% | 86 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $3,590 | +0.477% | 71 | |
16 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $1,211 | -0.028% | 41 | |
17 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $557 | +0.279% | 25 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,875 | +0.409% | 823 | |
19 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,798 | +0.489% | 516 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,124 | +0.334% | 384 | |
21 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,988 | +0.304% | 181 | |
22 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,911 | +0.224% | 159 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,780 | +0.262% | 129 | |
24 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,924 | +0.224% | 119 | |
25 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | $1,841 | +0.267% | 117 | |
26 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,618 | +0.146% | 94 | |
27 | The Fidelity Bank | Strong | Sound | Strong | Strong | $1,827 | +0.340% | 81 | |
28 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Sound | $3,680 | +0.222% | 34 | |
29 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Sound | $1,382 | +0.265% | 22 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,857 | +0.516% | 217 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,911 | +0.567% | 177 | |
32 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,162 | +0.483% | 109 | |
33 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,747 | +0.401% | 71 | |
34 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,541 | +0.813% | 63 | |
35 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $2,906 | +0.159% | 60 | |
36 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,612 | -0.086% | 58 | |
37 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $3,285 | -0.058% | 20 | |
38 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | -$65 | +0.582% | 156 | |
39 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,246 | +0.533% | 148 | |
40 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,874 | +0.332% | 135 | |
41 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Strong | $2,220 | +0.296% | 90 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,323 | +0.638% | 68 | |
43 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,578 | -0.148% | 43 | |
44 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Sound | $2,175 | +0.726% | 39 | |
45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $1,950 | +0.401% | 28 | |
46 | Blue Ridge Bank, National Association | Strong | Sound | Sound | Sound | $2,772 | +0.466% | 25 | |
47 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $2,696 | -0.326% | 24 | |
48 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Sound | $981 | +0.325% | 22 | |
49 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $3,186 | +0.542% | 20 | |
50 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,529 | +0.613% | 64 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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