Safe Rate Rankings

Best All Lender Mortgage Lenders in Winston

Updated May 22, 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 Lenders109

Total Loans8,368

Median Rate Spread0.34%

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

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.