Safe Rate Rankings

Best VA Mortgage Bank Lenders in Atlanta

Updated May 31, 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.
Total Lenders292
Total Loans64,717
Median Rate Spread0.33%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
Ameris BankBank
Exceptional
Strong
Exceptional
Exceptional
Exceptional
$3,303Fees
0.179%Above
2,494
2
First Federal BankBank
Exceptional
Exceptional
Exceptional
Sound
Strong
$1,659Fees
0.001%Above
257
3
JPMorgan Chase Bank, National AssociationBank
Exceptional
Strong
Exceptional
Sound
Exceptional
$2,581Fees
0.076%Above
1,244
4
Truist BankBank
Exceptional
Strong
Strong
Sound
Exceptional
$572Fees
0.013%Above
898
5
SouthState Bank, National AssociationBank
Exceptional
Strong
Strong
Strong
Strong
$2,436Fees
0.167%Above
404
6
United Community BankBank
Exceptional
Strong
Strong
Strong
Strong
$2,432Fees
0.361%Above
368
7
Renasant BankBank
Exceptional
Sound
Exceptional
Exceptional
Strong
$3,424Fees
0.092%Above
324
8
USAA Federal Savings BankBank
Exceptional
Strong
Exceptional
Sound
Strong
$1,720Fees
0.107%Below
187
9
Flagstar Bank, N.A.Bank
Strong
Sound
Exceptional
Strong
Strong
$2,736Fees
0.276%Above
319
10
Wells Fargo Bank, National AssociationBank
Strong
Sound
Exceptional
Sound
Strong
$2,070Fees
0.054%Below
730
11
Regions BankBank
Strong
Sound
Strong
Sound
Strong
$2,484Fees
0.136%Above
494
12
Presidential Bank, FSBBank
Strong
Acceptable
Strong
Exceptional
Strong
$3,926Fees
0.423%Above
310
13
Magnolia Bank, IncorporatedBank
Strong
Acceptable
Exceptional
Strong
Strong
$3,180Fees
0.150%Above
204

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.