# Best Conventional Mortgage Lenders in Athens

**As of:** 2026-05-22

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

> **Canonical URL:** https://saferate.com/athens/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:** 43
- **Total Loans:** 1,600
- **Median Rate Spread:** 0.2668837209302326%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | First American Bank and Trust Company | 83 | 61 | 81 | 82 | Bank |
| 2 | Ameris Bank | 83 | 41 | 76 | 69 | Bank |
| 3 | PROVIDENT FUNDING ASSOCIATES, L.P. | 83 | 83 | 55 | 27 | Independent Mortgage Company |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 190 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 167 | Independent Mortgage Company |
| 6 | Truist Bank | 79 | 71 | 69 | 13 | Bank |
| 7 | U.S. Bank National Association | 79 | 75 | 69 | 11 | Bank |
| 8 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 11 | Credit Union |
| 9 | Regions Bank | 75 | 39 | 64 | 120 | Bank |
| 10 | GUARANTEED RATE, INC. | 75 | 39 | 65 | 80 | Independent Mortgage Company |
| 11 | Synovus Bank | 74 | 48 | 62 | 55 | Bank |
| 12 | COLONY BANK | 74 | 47 | 74 | 26 | Bank |
| 13 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 18 | Bank |
| 14 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 17 | Bank |
| 15 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 15 | Independent Mortgage Company |
| 16 | Cadence Bank | 73 | 48 | 71 | 14 | Bank |
| 17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 65 | Independent Mortgage Company |
| 18 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 49 | Independent Mortgage Company |
| 19 | Capital City Home Loans, LLC | 69 | 47 | 68 | 17 | Independent Mortgage Company |
| 20 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 19 | Independent Mortgage Company |
| 21 | Magnolia Bank, Incorporated | 67 | 37 | 70 | 49 | Bank |
| 22 | CROSSCOUNTRY MORTGAGE, LLC | 66 | 21 | 74 | 22 | Independent Mortgage Company |
| 23 | United Community Bank | 66 | 34 | 65 | 13 | Bank |
| 24 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 12 | Independent Mortgage Company |
| 25 | LOWER, LLC | 66 | 33 | 66 | 11 | Independent Mortgage Company |
| 26 | GUILD MORTGAGE COMPANY LLC | 66 | 25 | 77 | 11 | Independent Mortgage Company |
| 27 | First-Citizens Bank & Trust Company | 64 | 57 | 59 | 15 | Bank |
| 28 | Presidential Bank, FSB | 63 | 23 | 69 | 11 | Bank |
| 29 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 19 | Independent Mortgage Company |
| 30 | NEWREZ LLC | 62 | 31 | 58 | 11 | Independent Mortgage Company |
| 31 | BANKSOUTH MORTGAGE COMPANY, LLC | 60 | 18 | 74 | 107 | Independent Mortgage Company |
| 32 | EVERETT FINANCIAL, INC. | 60 | 13 | 71 | 49 | Independent Mortgage Company |
| 33 | Prosperity Home Mortgage, LLC | 60 | 33 | 71 | 10 | Independent Mortgage Company |
| 34 | Bank of England | 58 | 28 | 51 | 12 | Bank |
| 35 | AMERICAN PACIFIC MORTGAGE CORPORATION | 56 | 15 | 75 | 24 | Independent Mortgage Company |
| 36 | NFM, INC. | 56 | 19 | 77 | 17 | Independent Mortgage Company |
| 37 | First Option Mortgage, LLC | 49 | 10 | 58 | 23 | Independent Mortgage Company |
| 38 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | 46 | 12 | 45 | 17 | 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 Athens.

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.