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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 VA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,827 | +0.011% | 240 | |
2 | ALLEGACY FEDERAL CREDIT UNION | Exceptional | Exceptional | — | Strong | Exceptional | -$175 | -0.294% | 186 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,146 | +0.139% | 129 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $455 | -0.591% | 66 | |
5 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,637 | +0.365% | 353 | |
6 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,333 | +0.247% | 159 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,080 | +0.292% | 115 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,400 | +0.256% | 94 | |
9 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,141 | +0.638% | 86 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,571 | -0.257% | 54 | |
11 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,709 | +0.435% | 159 | |
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 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,954 | +0.252% | 76 | |
17 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,889 | -0.129% | 41 | |
18 | American Security Mortgage Corp. | Strong | Sound | Exceptional | Exceptional | Sound | $2,511 | +0.164% | 23 | |
19 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,357 | +0.157% | 265 | |
20 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $1,993 | +0.075% | 133 | |
21 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,044 | +0.382% | 58 | |
22 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,627 | +1.199% | 179 | |
23 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,568 | +0.528% | 169 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,726 | +0.589% | 131 | |
25 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,231 | +0.614% | 31 | |
26 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Strong | $4,372 | +0.429% | 68 | |
27 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,156 | +0.885% | 24 | |
28 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $1,667 | +0.200% | 46 | |
29 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,280 | +0.628% | 30 | |
30 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | 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 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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