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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | STATE EMPLOYEES' | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,103 | -0.664% | 781 | |
2 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $928 | +0.104% | 230 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $539 | -0.388% | 85 | |
4 | First Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,289 | -0.072% | 38 | |
5 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,618 | +0.146% | 94 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,740 | +0.094% | 74 | |
7 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $2,003 | -0.002% | 25 | |
8 | Truliant Federal Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $734 | +0.409% | 139 | |
9 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,852 | +0.026% | 139 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,211 | -0.028% | 41 | |
11 | Toyota Financial Savings Bank | Exceptional | Exceptional | Sound | Sound | Strong | $101 | -0.177% | 29 | |
12 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $557 | +0.279% | 25 | |
13 | ALLEGACY FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Sound | -$191 | -0.343% | 25 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,875 | +0.409% | 823 | |
15 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,798 | +0.489% | 516 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,780 | +0.262% | 129 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,924 | +0.224% | 119 | |
18 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,996 | +0.342% | 86 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $3,590 | +0.477% | 71 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,124 | +0.334% | 384 | |
21 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,600 | +0.008% | 260 | |
22 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,139 | +0.186% | 238 | |
23 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Strong | $1,841 | +0.267% | 117 | |
24 | Pinnacle Bank | Strong | Sound | Strong | Strong | Strong | $2,050 | +0.079% | 99 | |
25 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,680 | +0.222% | 34 | |
26 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Sound | $981 | +0.325% | 22 | |
27 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $3,285 | -0.058% | 20 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,436 | +0.098% | 19 | |
29 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,167 | +0.439% | 18 | |
30 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Sound | $2,314 | +0.136% | 18 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,857 | +0.516% | 217 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,988 | +0.304% | 181 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,911 | +0.567% | 177 | |
34 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,911 | +0.224% | 159 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,246 | +0.533% | 148 | |
36 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,874 | +0.332% | 135 | |
37 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,162 | +0.483% | 109 | |
38 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,220 | +0.296% | 90 | |
39 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Strong | $1,400 | -0.091% | 90 | |
40 | The Fidelity Bank | Strong | Sound | Sound | Strong | Strong | $1,827 | +0.340% | 81 | |
41 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,747 | +0.401% | 71 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,323 | +0.638% | 68 | |
43 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,906 | +0.159% | 60 | |
44 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,612 | -0.086% | 58 | |
45 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,175 | +0.726% | 39 | |
46 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Sound | $1,382 | +0.265% | 22 | |
47 | Atlantic Union Bank | Strong | Sound | Strong | Strong | Sound | $1,765 | +0.301% | 18 | |
48 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,529 | +0.613% | 64 | |
49 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,908 | +0.407% | 49 | |
50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $1,950 | +0.401% | 28 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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