# Best Conventional Mortgage Lenders in Rocky Mount, NC

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

Compare the top Conventional mortgage lenders in Rocky Mount, NC. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | STATE EMPLOYEES' | 89 | 71 | 73 | 139 | Credit Union |
| 2 | Truist Bank | 85 | 71 | 69 | 28 | Bank |
| 3 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 115 | Independent Mortgage Company |
| 4 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 80 | 25 | 80 | 112 | Independent Mortgage Company |
| 5 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 36 | Bank |
| 6 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 29 | Independent Mortgage Company |
| 7 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 25 | Credit Union |
| 8 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 40 | Independent Mortgage Company |
| 9 | Southern Bank and Trust Company | 74 | 59 | 72 | 29 | Bank |
| 10 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 22 | Bank |
| 11 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 60 | Independent Mortgage Company |
| 12 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 30 | Independent Mortgage Company |
| 13 | Alcova Mortgage LLC | 70 | 31 | 82 | 12 | Independent Mortgage Company |
| 14 | KEYSTONE FUNDING, INC. | 67 | 38 | 79 | 45 | Independent Mortgage Company |
| 15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 66 | 25 | 78 | 25 | Independent Mortgage Company |
| 16 | MOVEMENT MORTGAGE, LLC | 66 | 34 | 77 | 21 | Independent Mortgage Company |
| 17 | T2 FINANCIAL LLC | 66 | 26 | 77 | 17 | Independent Mortgage Company |
| 18 | COASTAL Federal Credit Union | 64 | 42 | 50 | 11 | Credit Union |
| 19 | FBC MORTGAGE, LLC | 63 | 36 | 60 | 29 | Independent Mortgage Company |
| 20 | INSPIRE HOME LOANS INC. | 63 | 40 | 61 | 18 | Independent Mortgage Company |
| 21 | Towne Mortgage of the Carolinas, LLC | 58 | 32 | 62 | 15 | Independent Mortgage Company |
| 22 | ZILLOW HOME LOANS, LLC | 58 | 32 | 50 | 11 | Independent Mortgage Company |
| 23 | AgCarolina Farm Credit, FLCA | 46 | 5 | 56 | 10 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.