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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | STATE EMPLOYEES' | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,148 | -0.710% | 633 | |
2 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Exceptional | $846 | +0.157% | 243 | |
3 | ALLEGACY FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Exceptional | -$175 | -0.294% | 186 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $455 | -0.591% | 66 | |
5 | First Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,467 | -0.018% | 35 | |
6 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $750 | +0.195% | 179 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,314 | +0.054% | 64 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,825 | -0.019% | 26 | |
9 | Truliant Federal Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $894 | +0.250% | 152 | |
10 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,993 | +0.075% | 133 | |
11 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,630 | +0.190% | 44 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,963 | +0.424% | 792 | |
13 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,605 | +0.460% | 604 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,827 | +0.011% | 240 | |
15 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $4,146 | +0.139% | 129 | |
16 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,598 | +0.269% | 78 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,954 | +0.252% | 76 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,939 | +0.199% | 75 | |
19 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,044 | +0.382% | 58 | |
20 | American Security Mortgage Corp. | Strong | Strong | Strong | Strong | Sound | $2,511 | +0.164% | 23 | |
21 | CREDIT UNION MORTGAGE ASSOCIATION, INC. | Strong | Exceptional | Strong | Acceptable | Sound | $897 | -0.867% | 22 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,175 | +0.531% | 363 | |
23 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,637 | +0.365% | 353 | |
24 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,357 | +0.157% | 265 | |
25 | Pinnacle Bank | Strong | Sound | Strong | Strong | Strong | $1,931 | +0.152% | 87 | |
26 | Piedmont Federal Savings Bank | Strong | Strong | Sound | Sound | Strong | $494 | +0.070% | 72 | |
27 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,571 | -0.257% | 54 | |
28 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,855 | +0.296% | 31 | |
29 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Sound | $1,984 | +0.215% | 29 | |
30 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $4,000 | +0.359% | 28 | |
31 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $3,747 | +0.152% | 24 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $4,057 | +0.259% | 19 | |
33 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,568 | +0.528% | 169 | |
34 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,333 | +0.247% | 159 | |
35 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,709 | +0.435% | 159 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,726 | +0.589% | 131 | |
37 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,080 | +0.292% | 115 | |
38 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,400 | +0.256% | 94 | |
39 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Strong | $1,685 | +0.034% | 84 | |
40 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,437 | +0.429% | 63 | |
41 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,050 | +0.607% | 59 | |
42 | The Fidelity Bank | Strong | Sound | Sound | Strong | Strong | $2,256 | +0.310% | 54 | |
43 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Sound | $2,606 | +0.116% | 36 | |
44 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $2,141 | +0.638% | 86 | |
45 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,185 | +0.382% | 55 | |
46 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,463 | +0.664% | 54 | |
47 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $1,917 | +0.374% | 47 | |
48 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,105 | +0.505% | 44 | |
49 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,803 | +0.410% | 30 | |
50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $2,838 | +0.634% | 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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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