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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 Lenders in Atlanta

Updated February 5, 2026

Market Overview

292

Total Lenders

64,717

Total Loans

0.33%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	Truist Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	$572	+0.013%	898
2	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$621	-0.427%	651
3	DELTA COMMUNITY CREDIT UNION	Exceptional	Exceptional	Strong	Sound	Exceptional	$2,413	-0.434%	639
4	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,275	-0.098%	494
5	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,604	-0.254%	573
6	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$97	-0.103%	238
7	Ameris Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,303	+0.179%	2,494
8	JPMorgan Chase Bank, National Association	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,581	+0.076%	1,244
9	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,986	-0.044%	1,222
10	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$2,070	-0.054%	730
11	VANDERBILT MORTGAGE AND FINANCE, INC.	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,837	+0.127%	669
12	First Heritage Mortgage, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,554	+0.341%	230
13	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,409	+0.271%	6,570
14	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,912	+0.163%	5,958
15	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Exceptional	$1,715	+0.009%	888
16	SouthState Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,436	+0.167%	404
17	Capital City Home Loans, LLC	Strong	Sound	Strong	Strong	Exceptional	$2,300	+0.228%	347
18	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$2,788	+0.200%	277
19	First Federal Bank	Strong	Strong	Strong	Sound	Strong	$1,659	+0.001%	257
20	First Horizon Bank	Strong	Sound	Exceptional	Strong	Strong	$1,155	+0.114%	210
21	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Strong	$3,289	+0.142%	171
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,690	+0.395%	1,660
23	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,174	+0.554%	1,044
24	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,060	+0.233%	985
25	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Exceptional	$2,904	+0.179%	932
26	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,689	+0.348%	823
27	MORTGAGE ASSURANCE, INC.	Strong	Sound	Strong	Sound	Exceptional	$1,903	+0.160%	323
28	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,955	+0.233%	320
29	NexBank	Strong	Sound	Strong	Strong	Strong	$2,208	+0.250%	275
30	Synovus Bank	Strong	Sound	Strong	Strong	Strong	$2,292	+0.037%	162
31	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,431	+0.463%	1,398
32	TRAILBLAZER MORTGAGE L.L.C.	Strong	Sound	Sound	Sound	Exceptional	$2,369	-0.491%	672
33	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,687	+0.274%	626
34	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,125	+0.241%	580
35	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,006	+0.495%	518
36	Regions Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,484	+0.136%	494
37	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,544	+0.465%	435
38	United Community Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,432	+0.361%	368
39	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,541	+0.456%	346
40	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,915	+0.575%	338
41	Renasant Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,424	+0.092%	324
42	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$2,736	+0.276%	319
43	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,348	+0.552%	317
44	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,605	+0.217%	274
45	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,703	+0.014%	253
46	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,151	+0.374%	231
47	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,391	+0.743%	192
48	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$3,842	+0.387%	183
49	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$4,061	+0.526%	167
50	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$3,759	+0.286%	147

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.

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