Safe Rate Rankings

Best Conventional Mortgage Bank 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 Lenders20

Total Loans8,303

Median Rate Spread0.30%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$928Fees	0.104%Above	230
2	First BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$1,289Fees	0.072%Below	38
3	First National Bank of PennsylvaniaBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,618Fees	0.146%Above	94
4	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,740Fees	0.094%Above	74
5	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,852Fees	0.026%Above	139
6	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,211Fees	0.028%Below	41
7	Toyota Financial Savings BankBank	Exceptional	Exceptional	Sound	Sound	Strong	$101Fees	0.177%Below	29
8	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$557Fees	0.279%Above	25
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,924Fees	0.224%Above	119
10	Ameris BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,996Fees	0.342%Above	86
11	Pinnacle BankBank	Strong	Sound	Strong	Strong	Strong	$2,050Fees	0.079%Above	99
12	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,314Fees	0.136%Above	18
13	First-Citizens Bank & Trust CompanyBank	Strong	Sound	Strong	Sound	Strong	$1,400Fees	0.091%Below	90
14	The Fidelity BankBank	Strong	Sound	Sound	Strong	Strong	$1,827Fees	0.340%Above	81
15	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,906Fees	0.159%Above	60
16	Atlantic Union BankBank	Strong	Sound	Strong	Strong	Sound	$1,765Fees	0.301%Above	18
17	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,558Fees	0.381%Above	23
18	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,578Fees	0.148%Below	43
19	Towne BankBank	Strong	Acceptable	Strong	Strong	Sound	$3,660Fees	0.468%Above	19
20	Blue Ridge Bank, National AssociationBank	Sound	Acceptable	Sound	Sound	Sound	$2,772Fees	0.466%Above	25

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.