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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 FHA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,369 | -0.491% | 672 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,904 | +0.179% | 932 | |
3 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,147 | +0.152% | 282 | |
4 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,554 | +0.341% | 230 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,912 | +0.163% | 5,958 | |
6 | BANKSOUTH MORTGAGE COMPANY, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,293 | +0.140% | 893 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,715 | +0.009% | 888 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,837 | +0.127% | 669 | |
9 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,125 | +0.241% | 580 | |
10 | MORTGAGE ASSURANCE, INC. | Exceptional | Strong | Strong | Strong | Exceptional | $1,903 | +0.160% | 323 | |
11 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,303 | +0.179% | 2,494 | |
12 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,986 | -0.044% | 1,222 | |
13 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | $572 | +0.013% | 898 | |
14 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $2,436 | +0.167% | 404 | |
15 | First Federal Bank | Exceptional | Strong | Strong | Strong | Strong | $1,659 | +0.001% | 257 | |
16 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $97 | -0.103% | 238 | |
17 | Synovus Bank | Exceptional | Strong | Strong | Strong | Strong | $2,292 | +0.037% | 162 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,409 | +0.271% | 6,570 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,690 | +0.395% | 1,660 | |
20 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $1,210 | +0.798% | 469 | |
21 | AMERICAN FINANCING CORPORATION | Strong | Sound | Exceptional | Sound | Exceptional | $4,962 | +0.053% | 458 | |
22 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,300 | +0.228% | 347 | |
23 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,541 | +0.456% | 346 | |
24 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $3,424 | +0.092% | 324 | |
25 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,736 | +0.276% | 319 | |
26 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,605 | +0.217% | 274 | |
27 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,581 | +0.076% | 1,244 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,060 | +0.233% | 985 | |
29 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,689 | +0.348% | 823 | |
30 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,881 | +0.306% | 582 | |
31 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $2,484 | +0.136% | 494 | |
32 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,282 | +0.344% | 436 | |
33 | United Community Bank | Strong | Sound | Strong | Strong | Strong | $2,432 | +0.361% | 368 | |
34 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,915 | +0.575% | 338 | |
35 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,955 | +0.233% | 320 | |
36 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,519 | +0.594% | 304 | |
37 | Magnolia Bank, Incorporated | Strong | Sound | Strong | Strong | Strong | $3,180 | +0.150% | 204 | |
38 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,842 | +0.387% | 183 | |
39 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,759 | +0.286% | 147 | |
40 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,687 | +0.274% | 626 | |
41 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,634 | +0.345% | 471 | |
42 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,544 | +0.465% | 435 | |
43 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,841 | +0.354% | 353 | |
44 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,090 | +0.963% | 338 | |
45 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,348 | +0.552% | 317 | |
46 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,703 | +0.014% | 253 | |
47 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,646 | +0.442% | 243 | |
48 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,151 | +0.374% | 231 | |
49 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,391 | +0.743% | 192 | |
50 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,289 | +0.142% | 171 |
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.
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