Safe Rate Rankings

Best Conventional Mortgage Company Lenders in Salisbury

Updated February 6, 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 Lenders17

Total Loans1,005

Median Rate Spread0.41%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,508Fees	0.457%Above	127
2	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,050Fees	0.371%Above	143
3	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,272Fees	0.448%Above	113
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,801Fees	0.169%Above	38
5	FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$4,563Fees	0.505%Above	59
6	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,899Fees	0.406%Above	41
7	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,936Fees	0.712%Above	13
8	BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,081Fees	0.252%Above	29
9	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,914Fees	0.440%Above	17
10	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Acceptable	$1,848Fees	0.038%Above	10
11	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$2,137Fees	0.356%Above	31
12	NFM, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$2,951Fees	0.549%Above	29
13	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,918Fees	0.585%Above	23
14	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,718Fees	0.840%Above	10
15	Waterstone Mortgage CorporationIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$5,352Fees	0.748%Above	22
16	DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$4,667Fees	0.615%Above	21
17	EMBRACE HOME LOANS, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$4,481Fees	0.517%Above	19

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.