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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 FHA Mortgage Lenders in Rome
Updated February 6, 2026
Market Overview
31
Total Lenders
852
Total Loans
0.36%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,741 | +0.380% | 58 | |
2 | BANKSOUTH MORTGAGE COMPANY, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,905 | +0.387% | 37 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,927 | +0.186% | 152 | |
4 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $2,650 | +0.219% | 30 | |
5 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,887 | +0.188% | 24 | |
6 | SWBC MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | Sound | $2,845 | +0.259% | 20 | |
7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,341 | +0.745% | 44 | |
8 | NJ LENDERS CORP. | Strong | Sound | Strong | Strong | Strong | $4,203 | +0.004% | 27 | |
9 | Ameris Bank | Strong | Sound | Exceptional | Strong | Sound | $1,991 | +0.312% | 23 | |
10 | FirstBank | Strong | Sound | Exceptional | Strong | Sound | $3,650 | +0.424% | 21 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $5,929 | +0.435% | 13 | |
12 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,207 | +0.204% | 51 | |
13 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,474 | +0.633% | 24 | |
14 | Regions Bank | Strong | Sound | Exceptional | Sound | Sound | $1,710 | +0.589% | 21 | |
15 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,197 | +0.607% | 11 | |
16 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,176 | +0.758% | 44 | |
17 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,718 | +1.279% | 27 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,324 | +0.625% | 22 | |
19 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Acceptable | $1,569 | +0.928% | 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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