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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 Bank Mortgage Lenders in Winston
Updated February 5, 2026
Market Overview
18
Total Lenders
1,470
Total Loans
0.21%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | First Bank | Exceptional | Exceptional | Strong | Strong | $1,467 | -0.018% | 35 | |
2 | Truist Bank | Strong | Strong | Strong | Strong | $750 | +0.195% | 179 | |
3 | Pinnacle Bank | Strong | Strong | Strong | Strong | $1,931 | +0.152% | 87 | |
4 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Strong | $1,685 | +0.034% | 84 | |
5 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,314 | +0.054% | 64 | |
6 | First National Bank of Pennsylvania | Strong | Sound | Strong | Exceptional | $846 | +0.157% | 243 | |
7 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,993 | +0.075% | 133 | |
8 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,598 | +0.269% | 78 | |
9 | Piedmont Federal Savings Bank | Strong | Strong | Sound | Strong | $494 | +0.070% | 72 | |
10 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,630 | +0.190% | 44 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,939 | +0.199% | 75 | |
12 | The Fidelity Bank | Strong | Sound | Strong | Strong | $2,256 | +0.310% | 54 | |
13 | Blue Ridge Bank, National Association | Strong | Sound | Sound | Strong | $2,842 | +0.531% | 34 | |
14 | First Horizon Bank | Strong | Sound | Strong | Sound | $1,984 | +0.215% | 29 | |
15 | SOFI BANK, NATIONAL ASSOCIATION | Strong | Strong | Acceptable | Sound | $753 | +0.161% | 21 | |
16 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,889 | -0.129% | 41 | |
17 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $1,917 | +0.374% | 47 | |
18 | Ixonia Bank | Sound | Mediocre | Strong | Sound | $2,780 | +0.744% | 30 |
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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