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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 Mortgage Lenders in Winston
Updated February 5, 2026
Market Overview
109
Total Lenders
8,368
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | ALLEGACY FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | -$175 | -0.294% | 186 | |
2 | First Bank | Exceptional | Exceptional | Strong | Strong | $1,467 | -0.018% | 35 | |
3 | STATE EMPLOYEES' | Exceptional | Strong | Strong | Exceptional | $2,148 | -0.710% | 633 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $455 | -0.591% | 66 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,827 | +0.011% | 240 | |
6 | Truist Bank | Strong | Strong | Strong | Strong | $750 | +0.195% | 179 | |
7 | Truliant Federal Credit Union | Strong | Strong | Sound | Exceptional | $894 | +0.250% | 152 | |
8 | Pinnacle Bank | Strong | Strong | Strong | Strong | $1,931 | +0.152% | 87 | |
9 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Strong | $1,685 | +0.034% | 84 | |
10 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,314 | +0.054% | 64 | |
11 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,825 | -0.019% | 26 | |
12 | First National Bank of Pennsylvania | Strong | Sound | Strong | Exceptional | $846 | +0.157% | 243 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,993 | +0.075% | 133 | |
14 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $4,146 | +0.139% | 129 | |
15 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,598 | +0.269% | 78 | |
16 | Piedmont Federal Savings Bank | Strong | Strong | Sound | Strong | $494 | +0.070% | 72 | |
17 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,630 | +0.190% | 44 | |
18 | CREDIT UNION MORTGAGE ASSOCIATION, INC. | Strong | Exceptional | Acceptable | Sound | $897 | -0.867% | 22 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,963 | +0.424% | 792 | |
20 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,605 | +0.460% | 604 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,175 | +0.531% | 363 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,637 | +0.365% | 353 | |
23 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,080 | +0.292% | 115 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,400 | +0.256% | 94 | |
25 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $2,141 | +0.638% | 86 | |
26 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,954 | +0.252% | 76 | |
27 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,939 | +0.199% | 75 | |
28 | The Fidelity Bank | Strong | Sound | Strong | Strong | $2,256 | +0.310% | 54 | |
29 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,571 | -0.257% | 54 | |
30 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $4,000 | +0.359% | 28 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,568 | +0.528% | 169 | |
32 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,709 | +0.435% | 159 | |
33 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | $2,044 | +0.382% | 58 | |
34 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Sound | $2,606 | +0.116% | 36 | |
35 | Blue Ridge Bank, National Association | Strong | Sound | Sound | Strong | $2,842 | +0.531% | 34 | |
36 | First Horizon Bank | Strong | Sound | Strong | Sound | $1,984 | +0.215% | 29 | |
37 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $3,747 | +0.152% | 24 | |
38 | American Security Mortgage Corp. | Strong | Sound | Strong | Sound | $2,511 | +0.164% | 23 | |
39 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,627 | +1.199% | 179 | |
40 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,333 | +0.247% | 159 | |
41 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,726 | +0.589% | 131 | |
42 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Strong | $2,437 | +0.429% | 63 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,050 | +0.607% | 59 | |
44 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,185 | +0.382% | 55 | |
45 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $3,105 | +0.505% | 44 | |
46 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,889 | -0.129% | 41 | |
47 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,231 | +0.614% | 31 | |
48 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $2,838 | +0.634% | 30 | |
49 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $2,354 | +0.602% | 22 | |
50 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Strong | $4,372 | +0.429% | 68 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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