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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 Lenders in Rocky Mount
Updated February 6, 2026
Market Overview
32
Total Lenders
1,107
Total Loans
0.26%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | STATE EMPLOYEES' | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,012 | -0.682% | 139 | |
2 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $932 | +0.231% | 28 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,006 | -0.384% | 25 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,126 | +0.509% | 115 | |
5 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,498 | +0.301% | 112 | |
6 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,103 | +0.046% | 36 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,703 | +0.080% | 29 | |
8 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,879 | +0.005% | 22 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,372 | -0.021% | 40 | |
10 | Southern Bank and Trust Company | Strong | Sound | Strong | Strong | Strong | $1,327 | +0.009% | 29 | |
11 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,088 | +0.413% | 60 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,915 | +0.689% | 30 | |
13 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,455 | +0.504% | 12 | |
14 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Strong | $4,321 | +0.365% | 45 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,306 | +0.708% | 25 | |
16 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,788 | +0.647% | 21 | |
17 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,509 | +0.775% | 17 | |
18 | COASTAL Federal Credit Union | Strong | Sound | Strong | Sound | Sound | $1,843 | +0.036% | 11 | |
19 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,778 | -0.399% | 29 | |
20 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Sound | $2,786 | +1.022% | 18 | |
21 | Towne Mortgage of the Carolinas, LLC | Sound | Acceptable | Sound | Strong | Sound | $2,525 | +0.484% | 15 | |
22 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,827 | +0.382% | 11 | |
23 | AgCarolina Farm Credit, FLCA | Sound | Mediocre | Sound | Sound | Sound | $3,924 | +1.589% | 10 |
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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Rocky Mount, NCConventional
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