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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 FHA 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 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,911 | +0.224% | 159 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,874 | +0.332% | 135 | |
3 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Strong | $1,400 | -0.091% | 90 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,590 | +0.477% | 71 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,600 | +0.008% | 260 | |
6 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | $928 | +0.104% | 230 | |
7 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Strong | $2,050 | +0.079% | 99 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,875 | +0.409% | 823 | |
9 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,798 | +0.489% | 516 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,780 | +0.262% | 129 | |
11 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,996 | +0.342% | 86 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,612 | -0.086% | 58 | |
13 | U.S. Bank National Association | Strong | Strong | Exceptional | Sound | Sound | $1,211 | -0.028% | 41 | |
14 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $3,680 | +0.222% | 34 | |
15 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,696 | -0.326% | 24 | |
16 | Towne Bank | Strong | Sound | Exceptional | Exceptional | Sound | $3,660 | +0.468% | 19 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,124 | +0.334% | 384 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,857 | +0.516% | 217 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,911 | +0.567% | 177 | |
20 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $2,220 | +0.296% | 90 | |
21 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,541 | +0.813% | 63 | |
22 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $1,558 | +0.381% | 23 | |
23 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,139 | +0.186% | 238 | |
24 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,988 | +0.304% | 181 | |
25 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,162 | +0.483% | 109 | |
26 | The Fidelity Bank | Strong | Sound | Sound | Strong | Strong | $1,827 | +0.340% | 81 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,747 | +0.401% | 71 | |
28 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $2,502 | +0.531% | 56 | |
29 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,175 | +0.726% | 39 | |
30 | Blue Ridge Bank, National Association | Strong | Sound | Strong | Strong | Sound | $2,772 | +0.466% | 25 | |
31 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $981 | +0.325% | 22 | |
32 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,186 | +0.542% | 20 | |
33 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | -$65 | +0.582% | 156 | |
34 | EQUITY RESOURCES, INC. | Strong | Acceptable | Strong | Strong | Strong | $1,841 | +0.267% | 117 | |
35 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,908 | +0.407% | 49 | |
36 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $1,950 | +0.401% | 28 | |
37 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,285 | -0.058% | 20 | |
38 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,789 | +0.550% | 19 | |
39 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Sound | $3,093 | +0.662% | 19 | |
40 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,167 | +0.439% | 18 | |
41 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,246 | +0.533% | 148 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,323 | +0.638% | 68 | |
43 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $2,409 | +1.176% | 33 | |
44 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Sound | $4,094 | +0.659% | 27 | |
45 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,006 | +0.558% | 25 | |
46 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,677 | +0.603% | 20 | |
47 | Wolfe Financial, Inc | Sound | Mediocre | Strong | Strong | Strong | $3,375 | +0.578% | 85 | |
48 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | 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 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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