Safe Rate Rankings

Best Mortgage Company 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 Lenders43

Total Loans5,747

Median Rate Spread0.38%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Strong	Exceptional	Sound	Sound	$2,003Fees	0.002%Below	25
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,600Fees	0.008%Above	260
3	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,590Fees	0.477%Above	71
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,875Fees	0.409%Above	823
5	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,798Fees	0.489%Above	516
6	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,124Fees	0.334%Above	384
7	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,988Fees	0.304%Above	181
8	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,911Fees	0.224%Above	159
9	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,780Fees	0.262%Above	129
10	EQUITY RESOURCES, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,841Fees	0.267%Above	117
11	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$3,680Fees	0.222%Above	34
12	INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$1,382Fees	0.265%Above	22
13	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,857Fees	0.516%Above	217
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,911Fees	0.567%Above	177
15	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,162Fees	0.483%Above	109
16	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,747Fees	0.401%Above	71
17	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,541Fees	0.813%Above	63
18	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,612Fees	0.086%Below	58
19	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,285Fees	0.058%Below	20
20	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$65Credit	0.582%Above	156
21	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,246Fees	0.533%Above	148
22	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,874Fees	0.332%Above	135
23	HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,220Fees	0.296%Above	90
24	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,323Fees	0.638%Above	68
25	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,175Fees	0.726%Above	39
26	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$1,950Fees	0.401%Above	28
27	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$2,696Fees	0.326%Below	24
28	Atlantic Coast Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$981Fees	0.325%Above	22
29	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,186Fees	0.542%Above	20
30	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Sound	Mediocre	Strong	Exceptional	$3,139Fees	0.186%Above	238
31	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,529Fees	0.613%Above	64
32	LOWER, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,908Fees	0.407%Above	49
33	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,502Fees	0.531%Above	56
34	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$4,094Fees	0.659%Above	27
35	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$4,006Fees	0.558%Above	25
36	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$3,677Fees	0.603%Above	20
37	Wolfe Financial, IncIndependent Mortgage Company	Sound	Mediocre	Sound	Strong	$3,375Fees	0.578%Above	85
38	AgFirst Farm Credit BankIndependent Mortgage Company	Sound	Mediocre	Sound	Strong	$4,577Fees	0.766%Above	51
39	AmRes CorporationIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	$2,393Fees	0.378%Above	29
40	AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Acceptable	Sound	$2,409Fees	1.176%Above	33
41	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Acceptable	Sound	$3,204Fees	0.856%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.