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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 FHA 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
1	First National Bank of Pennsylvania	Exceptional	Exceptional	Strong	Strong	Exceptional	$846	+0.157%	243
2	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,827	+0.011%	240
3	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,333	+0.247%	159
4	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,400	+0.256%	94
5	First-Citizens Bank & Trust Company	Exceptional	Exceptional	Strong	Sound	Strong	$1,685	+0.034%	84
6	VANDERBILT MORTGAGE AND FINANCE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$4,146	+0.139%	129
7	Pinnacle Bank	Exceptional	Strong	Strong	Strong	Strong	$1,931	+0.152%	87
8	U.S. Bank National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,314	+0.054%	64
9	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$2,571	-0.257%	54
10	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Sound	$4,000	+0.359%	28
11	SOFI BANK, NATIONAL ASSOCIATION	Exceptional	Exceptional	Strong	Sound	Sound	$753	+0.161%	21
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	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,175	+0.531%	363
15	Truist Bank	Strong	Strong	Strong	Sound	Strong	$750	+0.195%	179
16	INSPIRE HOME LOANS INC.	Strong	Sound	Exceptional	Strong	Strong	$2,141	+0.638%	86
17	Ameris Bank	Strong	Sound	Exceptional	Strong	Strong	$2,598	+0.269%	78
18	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,954	+0.252%	76
19	GoodLeap, LLC	Strong	Strong	Exceptional	Sound	Sound	$2,354	+0.602%	22
20	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,637	+0.365%	353
21	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,568	+0.528%	169
22	HOWARD HANNA FINANCIAL SERVICES, INC.	Strong	Sound	Strong	Strong	Strong	$2,437	+0.429%	63
23	Atlantic Coast Mortgage, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,044	+0.382%	58
24	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Sound	$1,917	+0.374%	47
25	Blue Ridge Bank, National Association	Strong	Sound	Strong	Strong	Strong	$2,842	+0.531%	34
26	MICHIGAN MUTUAL, INC.	Strong	Sound	Exceptional	Strong	Sound	$727	+0.130%	33
27	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$3,357	+0.157%	265
28	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,709	+0.435%	159
29	Wells Fargo Bank, National Association	Strong	Sound	Strong	Sound	Strong	$1,993	+0.075%	133
30	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,080	+0.292%	115
31	CANOPY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,185	+0.382%	55
32	The Fidelity Bank	Strong	Sound	Sound	Strong	Strong	$2,256	+0.310%	54
33	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,231	+0.614%	31
34	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Sound	$3,221	+0.474%	30
35	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,627	+1.199%	179
36	ENVOY MORTGAGE, LTD	Strong	Acceptable	Exceptional	Sound	Strong	$4,372	+0.429%	68
37	SUMMIT FUNDING, INC.	Strong	Mediocre	Exceptional	Exceptional	Strong	$1,667	+0.200%	46
38	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,105	+0.505%	44
39	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,855	+0.296%	31
40	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,803	+0.410%	30
41	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$2,838	+0.634%	30
42	MORTGAGE SOLUTIONS OF COLORADO, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,156	+0.885%	24
43	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,747	+0.152%	24
44	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,211	+0.757%	21
45	Integrity Home Mortgage Corporation	Strong	Acceptable	Exceptional	Strong	Sound	$3,239	+0.486%	19
46	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,259	+1.288%	18
47	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,726	+0.589%	131
48	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,280	+0.628%	30
49	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Sound	$3,765	+0.475%	27
50	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Sound	$4,057	+0.259%	19

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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