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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 Conventional Mortgage Company Lenders in Winston
Updated February 5, 2026
Market Overview
49
Total Lenders
8,368
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,825 | -0.019% | 26 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,963 | +0.424% | 792 | |
3 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,605 | +0.460% | 604 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,827 | +0.011% | 240 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $4,146 | +0.139% | 129 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,954 | +0.252% | 76 | |
7 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,044 | +0.382% | 58 | |
8 | American Security Mortgage Corp. | Strong | Strong | Strong | Strong | Sound | $2,511 | +0.164% | 23 | |
9 | CREDIT UNION MORTGAGE ASSOCIATION, INC. | Strong | Exceptional | Strong | Acceptable | Sound | $897 | -0.867% | 22 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,175 | +0.531% | 363 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,637 | +0.365% | 353 | |
12 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,357 | +0.157% | 265 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,571 | -0.257% | 54 | |
14 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,855 | +0.296% | 31 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $4,000 | +0.359% | 28 | |
16 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $3,747 | +0.152% | 24 | |
17 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $4,057 | +0.259% | 19 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,568 | +0.528% | 169 | |
19 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,333 | +0.247% | 159 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,709 | +0.435% | 159 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,726 | +0.589% | 131 | |
22 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,080 | +0.292% | 115 | |
23 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,400 | +0.256% | 94 | |
24 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,437 | +0.429% | 63 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,050 | +0.607% | 59 | |
26 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Sound | $2,606 | +0.116% | 36 | |
27 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $2,141 | +0.638% | 86 | |
28 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,185 | +0.382% | 55 | |
29 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,463 | +0.664% | 54 | |
30 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,105 | +0.505% | 44 | |
31 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,803 | +0.410% | 30 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $2,838 | +0.634% | 30 | |
33 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $2,354 | +0.602% | 22 | |
34 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,627 | +1.199% | 179 | |
35 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Strong | Sound | Strong | $4,372 | +0.429% | 68 | |
36 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $1,667 | +0.200% | 46 | |
37 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | Sound | $727 | +0.130% | 33 | |
38 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,221 | +0.474% | 30 | |
39 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Sound | $3,239 | +0.486% | 19 | |
40 | AgFirst Farm Credit Bank | Sound | Mediocre | Strong | Strong | Strong | $4,100 | +0.720% | 47 | |
41 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,231 | +0.614% | 31 | |
42 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $3,211 | +0.757% | 21 | |
43 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,921 | +0.644% | 18 | |
44 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $3,280 | +0.628% | 30 | |
45 | AmRes Corporation | Sound | Acceptable | Sound | Sound | Sound | $3,211 | +0.568% | 22 | |
46 | Wolfe Financial, Inc | Sound | Mediocre | Strong | Sound | Sound | $4,453 | +0.602% | 18 | |
47 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Sound | $3,765 | +0.475% | 27 | |
48 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Sound | Mediocre | Sound | Acceptable | Sound | $2,156 | +0.885% | 24 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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