Safe Rate Rankings

Best Conventional Mortgage Lenders in Rome

Updated May 26, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders31

Total Loans852

Median Rate Spread0.36%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NJ LENDERS CORP.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$4,203Fees	0.004%Above	27
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$772Fees	0.662%Below	11
3	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,103Fees	0.023%Below	11
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,927Fees	0.186%Above	152
5	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,293Fees	0.117%Above	15
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,741Fees	0.380%Above	58
7	United Community BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,279Fees	0.431%Above	49
8	Ameris BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,991Fees	0.312%Above	23
9	FirstBankBank	Strong	Sound	Exceptional	Strong	Sound	$3,650Fees	0.424%Above	21
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$5,929Fees	0.435%Above	13
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,902Fees	0.092%Above	11
12	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,207Fees	0.204%Above	51
13	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,341Fees	0.745%Above	44
14	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,650Fees	0.219%Above	30
15	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,887Fees	0.188%Above	24
16	Synovus BankBank	Strong	Sound	Strong	Strong	Sound	$1,449Fees	0.024%Below	13
17	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,474Fees	0.633%Above	24
18	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,324Fees	0.625%Above	22
19	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,710Fees	0.589%Above	21
20	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,845Fees	0.259%Above	20
21	MEMBER FIRST MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,337Fees	0.295%Above	15
22	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,913Fees	0.390%Above	13
23	MORTGAGE ASSURANCE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$1,556Fees	0.148%Above	13
24	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,197Fees	0.607%Above	11
25	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,176Fees	0.758%Above	44
26	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,718Fees	1.279%Above	27
27	BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$1,905Fees	0.387%Above	37
28	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,015Fees	0.728%Above	10
29	DIRECT LENDERS, LLCIndependent Mortgage Company	Sound	Acceptable	Acceptable	Sound	Sound	$1,939Fees	0.191%Above	11

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.