🛡️
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 Conventional Mortgage Bank Lenders in Atlanta
Updated February 5, 2026
Market Overview
20
Total Lenders
64,717
Total Loans
0.33%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $572 | +0.013% | 898 | |
2 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,604 | -0.254% | 573 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $97 | -0.103% | 238 | |
4 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,303 | +0.179% | 2,494 | |
5 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,581 | +0.076% | 1,244 | |
6 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,070 | -0.054% | 730 | |
7 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,436 | +0.167% | 404 | |
8 | First Federal Bank | Strong | Strong | Strong | Sound | Strong | $1,659 | +0.001% | 257 | |
9 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $1,155 | +0.114% | 210 | |
10 | NexBank | Strong | Sound | Strong | Strong | Strong | $2,208 | +0.250% | 275 | |
11 | Synovus Bank | Strong | Sound | Strong | Strong | Strong | $2,292 | +0.037% | 162 | |
12 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,484 | +0.136% | 494 | |
13 | United Community Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,432 | +0.361% | 368 | |
14 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,424 | +0.092% | 324 | |
15 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,736 | +0.276% | 319 | |
16 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | Strong | $3,926 | +0.423% | 310 | |
17 | Magnolia Bank, Incorporated | Strong | Acceptable | Strong | Strong | Strong | $3,180 | +0.150% | 204 | |
18 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,720 | -0.107% | 187 | |
19 | First National Bank of America | Sound | Mediocre | Strong | Sound | Strong | $7,222 | +1.894% | 187 | |
20 | Metro City Bank | Sound | Mediocre | Sound | Sound | Strong | $4,302 | +1.985% | 136 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
AtlantaConventional
No credit impact
3-minute process
100% free