# Best FHA Mortgage Lenders in Winston

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

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

> **Canonical URL:** https://saferate.com/winston/best-mortgage-lenders/fha-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 | First National Bank of Pennsylvania | 89 | 81 | 66 | 243 | Bank |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 240 | Independent Mortgage Company |
| 3 | Prosperity Home Mortgage, LLC | 85 | 63 | 72 | 159 | Independent Mortgage Company |
| 4 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 94 | Independent Mortgage Company |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 83 | 59 | 83 | 129 | Independent Mortgage Company |
| 6 | Pinnacle Bank | 80 | 77 | 63 | 87 | Bank |
| 7 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 792 | Independent Mortgage Company |
| 8 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 80 | 28 | 84 | 604 | Independent Mortgage Company |
| 9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 363 | Independent Mortgage Company |
| 10 | INSPIRE HOME LOANS INC. | 79 | 53 | 75 | 86 | Independent Mortgage Company |
| 11 | First-Citizens Bank & Trust Company | 79 | 95 | 57 | 84 | Bank |
| 12 | Ameris Bank | 79 | 50 | 78 | 78 | Bank |
| 13 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 76 | Independent Mortgage Company |
| 14 | U.S. Bank National Association | 79 | 65 | 60 | 64 | Bank |
| 15 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 54 | Independent Mortgage Company |
| 16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 61 | 79 | 28 | Independent Mortgage Company |
| 17 | MOVEMENT MORTGAGE, LLC | 75 | 30 | 79 | 353 | Independent Mortgage Company |
| 18 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 169 | Independent Mortgage Company |
| 19 | Atlantic Coast Mortgage, LLC | 75 | 35 | 81 | 58 | Independent Mortgage Company |
| 20 | Truist Bank | 74 | 75 | 53 | 179 | Bank |
| 21 | HOWARD HANNA FINANCIAL SERVICES, INC. | 74 | 46 | 76 | 63 | Independent Mortgage Company |
| 22 | Blue Ridge Bank, National Association | 74 | 53 | 63 | 34 | Bank |
| 23 | Flagstar Bank, N.A. | 73 | 58 | 71 | 47 | Bank |
| 24 | MICHIGAN MUTUAL, INC. | 73 | 43 | 69 | 33 | Independent Mortgage Company |
| 25 | GoodLeap, LLC | 73 | 62 | 58 | 22 | Independent Mortgage Company |
| 26 | SOFI BANK, NATIONAL ASSOCIATION | 73 | 83 | 43 | 21 | Bank |
| 27 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 159 | Independent Mortgage Company |
| 28 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 115 | Independent Mortgage Company |
| 29 | CANOPY MORTGAGE, LLC | 71 | 21 | 70 | 55 | Independent Mortgage Company |
| 30 | NFM, INC. | 70 | 40 | 83 | 31 | Independent Mortgage Company |
| 31 | Wells Fargo Bank, National Association | 69 | 57 | 42 | 133 | Bank |
| 32 | The Fidelity Bank | 69 | 49 | 62 | 54 | Bank |
| 33 | NEWREZ LLC | 68 | 52 | 56 | 30 | Independent Mortgage Company |
| 34 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 67 | 18 | 81 | 265 | Independent Mortgage Company |
| 35 | Mortgage Research Center, LLC | 66 | 34 | 54 | 179 | Independent Mortgage Company |
| 36 | ENVOY MORTGAGE, LTD | 66 | 22 | 54 | 68 | Independent Mortgage Company |
| 37 | GUILD MORTGAGE COMPANY LLC | 66 | 29 | 80 | 44 | Independent Mortgage Company |
| 38 | PLAZA HOME MORTGAGE, INC. | 66 | 30 | 65 | 31 | Independent Mortgage Company |
| 39 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 38 | 79 | 30 | Independent Mortgage Company |
| 40 | LOWER, LLC | 66 | 29 | 66 | 30 | Independent Mortgage Company |
| 41 | BAY EQUITY LLC | 66 | 37 | 72 | 24 | Independent Mortgage Company |
| 42 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 66 | 30 | 75 | 24 | Independent Mortgage Company |
| 43 | ZILLOW HOME LOANS, LLC | 66 | 34 | 67 | 21 | Independent Mortgage Company |
| 44 | Integrity Home Mortgage Corporation | 66 | 23 | 79 | 19 | Independent Mortgage Company |
| 45 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 18 | Independent Mortgage Company |
| 46 | SUMMIT FUNDING, INC. | 63 | 12 | 81 | 46 | Independent Mortgage Company |
| 47 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 30 | Independent Mortgage Company |
| 48 | AMERISAVE MORTGAGE CORPORATION | 62 | 23 | 45 | 27 | Independent Mortgage Company |
| 49 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 19 | Independent Mortgage Company |
| 50 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 131 | 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.