Safe Rate Rankings

Best Bank Mortgage Lenders in Atlanta

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 Lenders292

Total Loans64,717

Median Rate Spread0.33%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Truist BankBank	Exceptional	Strong	Strong	Exceptional	$572Fees	0.013%Above	898
2	First Federal BankBank	Exceptional	Exceptional	Sound	Strong	$1,659Fees	0.001%Above	257
3	Ameris BankBank	Strong	Sound	Exceptional	Exceptional	$3,303Fees	0.179%Above	2,494
4	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,604Fees	0.254%Below	573
5	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$97Fees	0.103%Below	238
6	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$2,581Fees	0.076%Above	1,244
7	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,070Fees	0.054%Below	730
8	Regions BankBank	Strong	Sound	Strong	Strong	$2,484Fees	0.136%Above	494
9	SouthState Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,436Fees	0.167%Above	404
10	NexBankBank	Strong	Sound	Strong	Strong	$2,208Fees	0.250%Above	275
11	First Horizon BankBank	Strong	Sound	Strong	Strong	$1,155Fees	0.114%Above	210
12	Synovus BankBank	Strong	Sound	Strong	Strong	$2,292Fees	0.037%Above	162
13	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	$3,424Fees	0.092%Above	324
14	Magnolia Bank, IncorporatedBank	Strong	Acceptable	Exceptional	Strong	$3,180Fees	0.150%Above	204
15	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$1,720Fees	0.107%Below	187
16	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$2,736Fees	0.276%Above	319
17	Presidential Bank, FSBBank	Strong	Acceptable	Strong	Strong	$3,926Fees	0.423%Above	310
18	United Community BankBank	Sound	Acceptable	Sound	Strong	$2,432Fees	0.361%Above	368
19	Metro City BankBank	Sound	Mediocre	Strong	Strong	$4,302Fees	1.985%Above	136
20	First National Bank of AmericaBank	Sound	Mediocre	Sound	Strong	$7,222Fees	1.894%Above	187

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.