Safe Rate Rankings

Best Bank Mortgage Lenders in Greensboro

Updated February 5, 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 Lenders17

Total Loans1,429

Median Rate Spread0.16%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	First BankBank	Exceptional	Exceptional	Strong	Strong	$1,289Fees	0.072%Below	38
2	Truist BankBank	Exceptional	Strong	Strong	Exceptional	$928Fees	0.104%Above	230
3	Toyota Financial Savings BankBank	Exceptional	Exceptional	Sound	Strong	$101Fees	0.177%Below	29
4	Pinnacle BankBank	Strong	Strong	Strong	Strong	$2,050Fees	0.079%Above	99
5	First-Citizens Bank & Trust CompanyBank	Strong	Strong	Strong	Strong	$1,400Fees	0.091%Below	90
6	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,740Fees	0.094%Above	74
7	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$1,852Fees	0.026%Above	139
8	Ameris BankBank	Strong	Sound	Exceptional	Strong	$2,996Fees	0.342%Above	86
9	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$1,211Fees	0.028%Below	41
10	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	$557Fees	0.279%Above	25
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,924Fees	0.224%Above	119
12	First National Bank of PennsylvaniaBank	Strong	Sound	Strong	Strong	$1,618Fees	0.146%Above	94
13	The Fidelity BankBank	Strong	Sound	Strong	Strong	$1,827Fees	0.340%Above	81
14	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	$2,906Fees	0.159%Above	60
15	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$1,578Fees	0.148%Below	43
16	Blue Ridge Bank, National AssociationBank	Strong	Sound	Sound	Sound	$2,772Fees	0.466%Above	25
17	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$1,558Fees	0.381%Above	23

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.