# Best Mortgage Lenders in Rocky Mount, NC

**As of:** 2026-05-20

Compare the top mortgage lenders in Rocky Mount, NC. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/rocky-mount-nc/best-mortgage-lenders


> **📋 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:** 32
- **Total Loans:** 1,107
- **Median Rate Spread:** 0.25840625%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | VELOCIO MORTGAGE L.L.C. | 93 | 96 | 85 | 47 | Independent Mortgage Company |
| 2 | STATE EMPLOYEES' | 86 | 73 | 74 | 139 | Credit Union |
| 3 | FBC MORTGAGE, LLC | 86 | 60 | 83 | 29 | Independent Mortgage Company |
| 4 | Southern Bank and Trust Company | 80 | 60 | 62 | 29 | Bank |
| 5 | Truist Bank | 80 | 70 | 68 | 28 | Bank |
| 6 | KEYSTONE FUNDING, INC. | 78 | 42 | 88 | 45 | Independent Mortgage Company |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 40 | Independent Mortgage Company |
| 8 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 115 | Independent Mortgage Company |
| 9 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 74 | 25 | 90 | 112 | Independent Mortgage Company |
| 10 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 60 | Independent Mortgage Company |
| 11 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 36 | Bank |
| 12 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 29 | Independent Mortgage Company |
| 13 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 25 | Credit Union |
| 14 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 22 | Bank |
| 15 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 21 | Independent Mortgage Company |
| 16 | Mortgage Research Center, LLC | 63 | 34 | 70 | 48 | Independent Mortgage Company |
| 17 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 30 | Independent Mortgage Company |
| 18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 25 | Independent Mortgage Company |
| 19 | MOVEMENT MORTGAGE, LLC | 62 | 32 | 84 | 21 | 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 Rocky Mount, NC.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.