Safe Rate Rankings

Best Conventional 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 Lenders107

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

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.