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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 FHA Mortgage Company Lenders in Winston
Updated February 5, 2026
Market Overview
44
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,827 | +0.011% | 240 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,333 | +0.247% | 159 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,400 | +0.256% | 94 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,146 | +0.139% | 129 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,571 | -0.257% | 54 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $4,000 | +0.359% | 28 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,963 | +0.424% | 792 | |
8 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,605 | +0.460% | 604 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,175 | +0.531% | 363 | |
10 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $2,141 | +0.638% | 86 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,954 | +0.252% | 76 | |
12 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,354 | +0.602% | 22 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,637 | +0.365% | 353 | |
14 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,568 | +0.528% | 169 | |
15 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $2,437 | +0.429% | 63 | |
16 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,044 | +0.382% | 58 | |
17 | MICHIGAN MUTUAL, INC. | Strong | Sound | Exceptional | Strong | Sound | $727 | +0.130% | 33 | |
18 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,357 | +0.157% | 265 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,709 | +0.435% | 159 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,080 | +0.292% | 115 | |
21 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,185 | +0.382% | 55 | |
22 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,231 | +0.614% | 31 | |
23 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $3,221 | +0.474% | 30 | |
24 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,627 | +1.199% | 179 | |
25 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Strong | $4,372 | +0.429% | 68 | |
26 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $1,667 | +0.200% | 46 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,105 | +0.505% | 44 | |
28 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,855 | +0.296% | 31 | |
29 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,803 | +0.410% | 30 | |
30 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $2,838 | +0.634% | 30 | |
31 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,156 | +0.885% | 24 | |
32 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,747 | +0.152% | 24 | |
33 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,211 | +0.757% | 21 | |
34 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Sound | $3,239 | +0.486% | 19 | |
35 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,259 | +1.288% | 18 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,726 | +0.589% | 131 | |
37 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,050 | +0.607% | 59 | |
38 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,280 | +0.628% | 30 | |
39 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $3,765 | +0.475% | 27 | |
40 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $4,057 | +0.259% | 19 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,463 | +0.664% | 54 | |
42 | AmRes Corporation | Sound | Mediocre | Strong | Strong | Sound | $3,211 | +0.568% | 22 | |
43 | Wolfe Financial, Inc | Sound | Mediocre | Strong | Strong | Sound | $4,453 | +0.602% | 18 |
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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