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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 Mortgage Company Lenders in Winston
Updated February 5, 2026
Market Overview
46
Total Lenders
5,802
Total Loans
0.41%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,827 | +0.011% | 240 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,825 | -0.019% | 26 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $4,146 | +0.139% | 129 | |
4 | CREDIT UNION MORTGAGE ASSOCIATION, INC. | Strong | Exceptional | Acceptable | Sound | $897 | -0.867% | 22 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,963 | +0.424% | 792 | |
6 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,605 | +0.460% | 604 | |
7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,175 | +0.531% | 363 | |
8 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,637 | +0.365% | 353 | |
9 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,080 | +0.292% | 115 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,400 | +0.256% | 94 | |
11 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $2,141 | +0.638% | 86 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,954 | +0.252% | 76 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,571 | -0.257% | 54 | |
14 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $4,000 | +0.359% | 28 | |
15 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,568 | +0.528% | 169 | |
16 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,709 | +0.435% | 159 | |
17 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | $2,044 | +0.382% | 58 | |
18 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Sound | $2,606 | +0.116% | 36 | |
19 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $3,747 | +0.152% | 24 | |
20 | American Security Mortgage Corp. | Strong | Sound | Strong | Sound | $2,511 | +0.164% | 23 | |
21 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,627 | +1.199% | 179 | |
22 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,333 | +0.247% | 159 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,726 | +0.589% | 131 | |
24 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Strong | $2,437 | +0.429% | 63 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,050 | +0.607% | 59 | |
26 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,185 | +0.382% | 55 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $3,105 | +0.505% | 44 | |
28 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,231 | +0.614% | 31 | |
29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $2,838 | +0.634% | 30 | |
30 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $2,354 | +0.602% | 22 | |
31 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Sound | Mediocre | Strong | Exceptional | $3,357 | +0.157% | 265 | |
32 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Strong | $4,372 | +0.429% | 68 | |
33 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,463 | +0.664% | 54 | |
34 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | $1,667 | +0.200% | 46 | |
35 | MICHIGAN MUTUAL, INC. | Sound | Acceptable | Strong | Sound | $727 | +0.130% | 33 | |
36 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $3,855 | +0.296% | 31 | |
37 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $2,803 | +0.410% | 30 | |
38 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Sound | Acceptable | Strong | Sound | $2,156 | +0.885% | 24 | |
39 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | $3,211 | +0.757% | 21 | |
40 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $3,221 | +0.474% | 30 | |
41 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $3,280 | +0.628% | 30 | |
42 | AgFirst Farm Credit Bank | Sound | Mediocre | Sound | Strong | $4,100 | +0.720% | 47 | |
43 | AmRes Corporation | Sound | Mediocre | Sound | Sound | $3,211 | +0.568% | 22 | |
44 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Sound | $3,765 | +0.475% | 27 | |
45 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Sound | $4,802 | +1.237% | 22 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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