Safe Rate Rankings

Best Conventional Mortgage Lenders in Atlanta

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