# Best Conventional Mortgage Lenders in Winston

**As of:** 2026-05-22

Compare the top Conventional mortgage lenders in Winston. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/winston/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 109
- **Total Loans:** 8,368
- **Median Rate Spread:** 0.33634905660377357%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | STATE EMPLOYEES' | 89 | 71 | 73 | 633 | Credit Union |
| 2 | First National Bank of Pennsylvania | 89 | 63 | 77 | 243 | Bank |
| 3 | Truist Bank | 85 | 71 | 69 | 179 | Bank |
| 4 | U.S. Bank National Association | 85 | 75 | 69 | 64 | Bank |
| 5 | First Bank | 85 | 81 | 77 | 35 | Bank |
| 6 | ALLEGACY FEDERAL CREDIT UNION | 83 | 85 | 59 | 186 | Credit Union |
| 7 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 66 | Credit Union |
| 8 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 792 | Independent Mortgage Company |
| 9 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 80 | 25 | 80 | 604 | Independent Mortgage Company |
| 10 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 240 | Independent Mortgage Company |
| 11 | Truliant Federal Credit Union | 79 | 63 | 55 | 152 | Credit Union |
| 12 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 133 | Bank |
| 13 | VANDERBILT MORTGAGE AND FINANCE, INC. | 79 | 45 | 68 | 129 | Independent Mortgage Company |
| 14 | Ameris Bank | 79 | 41 | 76 | 78 | Bank |
| 15 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 76 | Independent Mortgage Company |
| 16 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 75 | Bank |
| 17 | Atlantic Coast Mortgage, LLC | 79 | 40 | 76 | 58 | Independent Mortgage Company |
| 18 | Bank of America, National Association | 79 | 71 | 67 | 44 | Bank |
| 19 | PROVIDENT FUNDING ASSOCIATES, L.P. | 77 | 83 | 55 | 26 | Independent Mortgage Company |
| 20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 363 | Independent Mortgage Company |
| 21 | MOVEMENT MORTGAGE, LLC | 75 | 34 | 77 | 353 | Independent Mortgage Company |
| 22 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 75 | 20 | 68 | 265 | Independent Mortgage Company |
| 23 | Pinnacle Bank | 74 | 58 | 69 | 87 | Bank |
| 24 | American Security Mortgage Corp. | 74 | 61 | 69 | 23 | Independent Mortgage Company |
| 25 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 54 | Independent Mortgage Company |
| 26 | PLAZA HOME MORTGAGE, INC. | 73 | 43 | 63 | 31 | Independent Mortgage Company |
| 27 | First Horizon Bank | 73 | 57 | 65 | 29 | Bank |
| 28 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 73 | 40 | 74 | 28 | Independent Mortgage Company |
| 29 | BAY EQUITY LLC | 73 | 46 | 65 | 24 | Independent Mortgage Company |
| 30 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 169 | Independent Mortgage Company |
| 31 | Prosperity Home Mortgage, LLC | 71 | 33 | 71 | 159 | Independent Mortgage Company |
| 32 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 159 | Independent Mortgage Company |
| 33 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 131 | Independent Mortgage Company |
| 34 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 115 | Independent Mortgage Company |
| 35 | HOWARD HANNA FINANCIAL SERVICES, INC. | 71 | 37 | 69 | 63 | Independent Mortgage Company |
| 36 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 59 | Independent Mortgage Company |
| 37 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 94 | Independent Mortgage Company |
| 38 | First-Citizens Bank & Trust Company | 69 | 57 | 59 | 84 | Bank |
| 39 | Piedmont Federal Savings Bank | 69 | 64 | 49 | 72 | Bank |
| 40 | The Fidelity Bank | 69 | 53 | 65 | 54 | Bank |
| 41 | EQUITY RESOURCES, INC. | 69 | 51 | 67 | 36 | Independent Mortgage Company |
| 42 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 19 | Independent Mortgage Company |
| 43 | INSPIRE HOME LOANS INC. | 67 | 40 | 61 | 86 | Independent Mortgage Company |
| 44 | CANOPY MORTGAGE, LLC | 66 | 24 | 60 | 55 | Independent Mortgage Company |
| 45 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 54 | Independent Mortgage Company |
| 46 | Flagstar Bank, N.A. | 66 | 34 | 72 | 47 | Bank |
| 47 | GUILD MORTGAGE COMPANY LLC | 66 | 25 | 77 | 44 | Independent Mortgage Company |
| 48 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 20 | 78 | 30 | Independent Mortgage Company |
| 49 | LOWER, LLC | 66 | 33 | 66 | 30 | Independent Mortgage Company |
| 50 | CREDIT UNION MORTGAGE ASSOCIATION, INC. | 66 | 88 | 36 | 22 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Winston.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.