Safe Rate Rankings

Best Mortgage Lenders in Greensboro

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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%

Greensboro Market Insights

State Employees is Safe Rate's top-ranked lender in Greensboro, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Greensboro: Bank: Truist Bank (#2). Credit union: State Employees (#1). Mortgage company: Rocket Mortgage (#5).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Greensboro, Navy Federal Credit Union and Allegacy Federal Credit Union scores highest on pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #6 in Greensboro, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Greensboro: Rocket Mortgage (#5) and State Employees (#1).

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans USDA Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	STATE EMPLOYEES' Credit UnionDirect	Exceptional	Strong	Strong	Exceptional	$2,103Fees	0.664%Below	781
2	Truist Bank BankDirect	Strong	Strong	Strong	Exceptional	$928Fees	0.104%Above	230
3	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Strong	$539Fees	0.388%Below	85
4	First Bank BankDirect	Strong	Exceptional	Strong	Strong	$1,289Fees	0.072%Below	38
5	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$3,875Fees	0.409%Above	823
6	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	$2,600Fees	0.008%Above	260
7	Bank of America, National Association BankDirect	Strong	Strong	Strong	Strong	$1,740Fees	0.094%Above	74
8	ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,798Fees	0.489%Above	516
9	ALLEGACY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Strong	Sound	$191Credit	0.343%Below	25
10	Truliant Federal Credit Union Credit UnionDirect	Strong	Strong	Sound	Exceptional	$734Fees	0.409%Above	139
11	Pinnacle Bank BankDirect	Strong	Strong	Strong	Strong	$2,050Fees	0.079%Above	99
12	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,124Fees	0.334%Above	384
13	First National Bank of Pennsylvania BankDirect	Strong	Sound	Strong	Strong	$1,618Fees	0.146%Above	94
14	U.S. Bank National Association BankDirect	Strong	Strong	Strong	Sound	$1,211Fees	0.028%Below	41
15	RELIANCE FIRST CAPITAL, LLC Independent Mortgage CompanyDirect	Strong	—	Exceptional	Sound	—	—	34
16	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$1,911Fees	0.224%Above	159
17	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Sound	Strong	$1,852Fees	0.026%Above	139
18	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,780Fees	0.262%Above	129
19	First-Citizens Bank & Trust Company BankDirect	Strong	Strong	Strong	Strong	$1,400Fees	0.091%Below	90
20	Ameris Bank BankDirect	Strong	Sound	Exceptional	Strong	$2,996Fees	0.342%Above	86
21	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	$3,590Fees	0.477%Above	71
22	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Strong	$1,924Fees	0.224%Above	119
23	EQUITY RESOURCES, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$1,841Fees	0.267%Above	117
24	The Fidelity Bank BankDirect	Strong	Sound	Strong	Strong	$1,827Fees	0.340%Above	81
25	Toyota Financial Savings Bank BankDirect	Strong	Exceptional	Sound	Strong	$101Fees	0.177%Below	29
26	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Sound	Sound	$2,003Fees	0.002%Below	25
27	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$2,988Fees	0.304%Above	181
28	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	$2,874Fees	0.332%Above	135
29	VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Sound	$3,680Fees	0.222%Above	34
30	HIGHLANDS RESIDENTIAL MORTGAGE, LTD. Independent Mortgage CompanyDirect	Strong	Mediocre	Strong	Exceptional	$3,139Fees	0.186%Above	238
31	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	$2,857Fees	0.516%Above	217
32	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$2,911Fees	0.567%Above	177
33	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$3,162Fees	0.483%Above	109
34	Renasant Bank BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	$2,906Fees	0.159%Above	60
35	HOWARD HANNA FINANCIAL SERVICES, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	$2,220Fees	0.296%Above	90
36	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Sound	$2,612Fees	0.086%Below	58
37	Alcova Mortgage LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	$2,175Fees	0.726%Above	39
38	PNC Bank, National Association BankDirect	Strong	Strong	Strong	Sound	$557Fees	0.279%Above	25
39	INTERCOASTAL MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Sound	$1,382Fees	0.265%Above	22
40	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$65Credit	0.582%Above	156
41	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$2,747Fees	0.401%Above	71
42	NFM, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$4,541Fees	0.813%Above	63
43	Atlantic Coast Mortgage, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$981Fees	0.325%Above	22
44	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$4,246Fees	0.533%Above	148
45	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	$1,950Fees	0.401%Above	28
46	Flagstar Bank, N.A. BankDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$1,558Fees	0.381%Above	23
47	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$2,323Fees	0.638%Above	68
48	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$2,908Fees	0.407%Above	49
49	GoodLeap, LLC Independent Mortgage CompanyDirect	Sound	Sound	Sound	Sound	$2,696Fees	0.326%Below	24
50	USAA Federal Savings Bank BankDirect	Sound	Sound	Sound	Sound	$1,578Fees	0.148%Below	43

❓ Frequently Asked Questions

How are mortgage lenders ranked in Greensboro?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Greensboro), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Greensboro?+

Based on 2024 HMDA data, 107 lenders originated a combined 8,303 loans in Greensboro. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Greensboro?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Greensboro is 0.30%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Greensboro's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.