Safe Rate Rankings

Best Conventional 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 Lenders45

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	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$2,003Fees	0.002%Below	25
2	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,875Fees	0.409%Above	823
3	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,798Fees	0.489%Above	516
4	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,780Fees	0.262%Above	129
5	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,590Fees	0.477%Above	71
6	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,124Fees	0.334%Above	384
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,600Fees	0.008%Above	260
8	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,139Fees	0.186%Above	238
9	EQUITY RESOURCES, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$1,841Fees	0.267%Above	117
10	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,680Fees	0.222%Above	34
11	Atlantic Coast Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$981Fees	0.325%Above	22
12	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,285Fees	0.058%Below	20
13	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,436Fees	0.098%Above	19
14	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,167Fees	0.439%Above	18
15	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,857Fees	0.516%Above	217
16	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,988Fees	0.304%Above	181
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,911Fees	0.567%Above	177
18	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,911Fees	0.224%Above	159
19	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,246Fees	0.533%Above	148
20	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,874Fees	0.332%Above	135
21	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,162Fees	0.483%Above	109
22	HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,220Fees	0.296%Above	90
23	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,747Fees	0.401%Above	71
24	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,323Fees	0.638%Above	68
25	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,612Fees	0.086%Below	58
26	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,175Fees	0.726%Above	39
27	INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$1,382Fees	0.265%Above	22
28	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,529Fees	0.613%Above	64
29	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,908Fees	0.407%Above	49
30	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,950Fees	0.401%Above	28
31	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,696Fees	0.326%Below	24
32	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,186Fees	0.542%Above	20
33	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,789Fees	0.550%Above	19
34	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$65Credit	0.582%Above	156
35	NFM, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,541Fees	0.813%Above	63
36	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,502Fees	0.531%Above	56
37	Integrity Home Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,093Fees	0.662%Above	19
38	AgFirst Farm Credit BankIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$4,577Fees	0.766%Above	51
39	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$4,094Fees	0.659%Above	27
40	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,677Fees	0.603%Above	20
41	Wolfe Financial, IncIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$3,375Fees	0.578%Above	85
42	AmRes CorporationIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	Sound	$2,393Fees	0.378%Above	29
43	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Acceptable	Sound	$4,006Fees	0.558%Above	25
44	AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Strong	Acceptable	Sound	$2,409Fees	1.176%Above	33

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.