# Best Mortgage Lenders in Atlanta

**As of:** 2026-05-21

Compare the top mortgage lenders in Atlanta. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/atlanta/best-mortgage-lenders


> **📋 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:** 292
- **Total Loans:** 64,717
- **Median Rate Spread:** 0.3305483870967742%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | TRAILBLAZER MORTGAGE L.L.C. | 93 | 92 | 65 | 672 | Independent Mortgage Company |
| 2 | Truist Bank | 86 | 70 | 68 | 898 | Bank |
| 3 | FBC MORTGAGE, LLC | 86 | 60 | 83 | 282 | Independent Mortgage Company |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 5,958 | Independent Mortgage Company |
| 5 | Ameris Bank | 84 | 42 | 82 | 2,494 | Bank |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 84 | 51 | 82 | 669 | Independent Mortgage Company |
| 7 | DELTA COMMUNITY CREDIT UNION | 84 | 84 | 54 | 639 | Credit Union |
| 8 | Bank of America, National Association | 80 | 73 | 75 | 573 | Bank |
| 9 | U.S. Bank National Association | 80 | 75 | 71 | 238 | Bank |
| 10 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 1,244 | Bank |
| 11 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 1,222 | Independent Mortgage Company |
| 12 | FREEDOM MORTGAGE CORPORATION | 78 | 55 | 67 | 932 | Independent Mortgage Company |
| 13 | PENNYMAC LOAN SERVICES, LLC | 78 | 56 | 63 | 888 | Independent Mortgage Company |
| 14 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 651 | Credit Union |
| 15 | PROVIDENT FUNDING ASSOCIATES, L.P. | 78 | 83 | 55 | 494 | Independent Mortgage Company |
| 16 | Capital City Home Loans, LLC | 78 | 44 | 72 | 347 | Independent Mortgage Company |
| 17 | MORTGAGE ASSURANCE, INC. | 78 | 51 | 64 | 323 | Independent Mortgage Company |
| 18 | First Federal Bank | 78 | 81 | 50 | 257 | Bank |
| 19 | First Heritage Mortgage, LLC | 78 | 51 | 89 | 230 | Independent Mortgage Company |
| 20 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 6,570 | Independent Mortgage Company |
| 21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 1,660 | Independent Mortgage Company |
| 22 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 985 | Independent Mortgage Company |
| 23 | BANKSOUTH MORTGAGE COMPANY, LLC | 74 | 23 | 84 | 893 | Independent Mortgage Company |
| 24 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 823 | Independent Mortgage Company |
| 25 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 730 | Bank |
| 26 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 626 | Independent Mortgage Company |
| 27 | Regions Bank | 73 | 41 | 64 | 494 | Bank |
| 28 | INSPIRE HOME LOANS INC. | 73 | 43 | 75 | 469 | Independent Mortgage Company |
| 29 | SouthState Bank, National Association | 73 | 49 | 73 | 404 | Bank |
| 30 | NexBank | 73 | 41 | 66 | 275 | Bank |
| 31 | First Horizon Bank | 73 | 49 | 68 | 210 | Bank |
| 32 | BAY EQUITY LLC | 73 | 43 | 65 | 171 | Independent Mortgage Company |
| 33 | Synovus Bank | 73 | 56 | 65 | 162 | Bank |
| 34 | Associated Credit Union | 71 | 53 | 47 | 311 | Credit Union |
| 35 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 1,044 | Independent Mortgage Company |
| 36 | Mortgage Research Center, LLC | 68 | 34 | 70 | 827 | Independent Mortgage Company |
| 37 | ZILLOW HOME LOANS, LLC | 68 | 31 | 63 | 582 | Independent Mortgage Company |
| 38 | FIRST COMMUNITY MORTGAGE, INC. | 68 | 31 | 89 | 338 | Independent Mortgage Company |
| 39 | Renasant Bank | 68 | 38 | 81 | 324 | Bank |
| 40 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 68 | 25 | 90 | 320 | Independent Mortgage Company |
| 41 | NFM, INC. | 68 | 23 | 87 | 304 | Independent Mortgage Company |
| 42 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 253 | Independent Mortgage Company |
| 43 | Magnolia Bank, Incorporated | 68 | 37 | 82 | 204 | Bank |
| 44 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 183 | Independent Mortgage Company |
| 45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 68 | 26 | 87 | 167 | Independent Mortgage Company |
| 46 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 68 | 26 | 83 | 147 | Independent Mortgage Company |
| 47 | MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 57 | 57 | 277 | Independent Mortgage Company |
| 48 | USAA Federal Savings Bank | 66 | 54 | 45 | 187 | Bank |
| 49 | Prosperity Home Mortgage, LLC | 63 | 37 | 77 | 580 | Independent Mortgage Company |
| 50 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 518 | 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 Atlanta.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.