# Best FHA Mortgage Lenders in Atlanta

**As of:** 2026-05-21

Compare the top FHA mortgage lenders in Atlanta. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/atlanta/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 292
- **Total Loans:** 64,717
- **Median Rate Spread:** 0.3305483870967742%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FREEDOM MORTGAGE CORPORATION | 89 | 65 | 62 | 932 | Independent Mortgage Company |
| 2 | TRAILBLAZER MORTGAGE L.L.C. | 89 | 93 | 67 | 672 | Independent Mortgage Company |
| 3 | FBC MORTGAGE, LLC | 89 | 77 | 82 | 282 | Independent Mortgage Company |
| 4 | First Heritage Mortgage, LLC | 89 | 68 | 84 | 230 | Independent Mortgage Company |
| 5 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 5,958 | Independent Mortgage Company |
| 6 | BANKSOUTH MORTGAGE COMPANY, LLC | 88 | 41 | 87 | 893 | Independent Mortgage Company |
| 7 | VANDERBILT MORTGAGE AND FINANCE, INC. | 88 | 59 | 83 | 669 | Independent Mortgage Company |
| 8 | Prosperity Home Mortgage, LLC | 85 | 63 | 72 | 580 | Independent Mortgage Company |
| 9 | MORTGAGE ASSURANCE, INC. | 85 | 60 | 64 | 323 | Independent Mortgage Company |
| 10 | Ameris Bank | 83 | 50 | 78 | 2,494 | Bank |
| 11 | LOANDEPOT.COM, LLC | 83 | 59 | 68 | 1,222 | Independent Mortgage Company |
| 12 | PENNYMAC LOAN SERVICES, LLC | 83 | 78 | 59 | 888 | Independent Mortgage Company |
| 13 | SouthState Bank, National Association | 80 | 65 | 65 | 404 | Bank |
| 14 | First Federal Bank | 80 | 70 | 60 | 257 | Bank |
| 15 | Synovus Bank | 80 | 68 | 66 | 162 | Bank |
| 16 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 6,570 | Independent Mortgage Company |
| 17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 1,660 | Independent Mortgage Company |
| 18 | Truist Bank | 79 | 75 | 53 | 898 | Bank |
| 19 | INSPIRE HOME LOANS INC. | 79 | 53 | 75 | 469 | Independent Mortgage Company |
| 20 | Capital City Home Loans, LLC | 79 | 41 | 70 | 347 | Independent Mortgage Company |
| 21 | KIND LENDING, LLC | 79 | 55 | 71 | 346 | Independent Mortgage Company |
| 22 | Renasant Bank | 79 | 51 | 79 | 324 | Bank |
| 23 | Flagstar Bank, N.A. | 79 | 58 | 71 | 319 | Bank |
| 24 | THE LOAN STORE, INC. | 79 | 49 | 72 | 274 | Independent Mortgage Company |
| 25 | U.S. Bank National Association | 79 | 65 | 60 | 238 | Bank |
| 26 | AMERICAN FINANCING CORPORATION | 77 | 42 | 51 | 458 | Independent Mortgage Company |
| 27 | GUILD MORTGAGE COMPANY LLC | 75 | 29 | 80 | 985 | Independent Mortgage Company |
| 28 | MOVEMENT MORTGAGE, LLC | 75 | 30 | 79 | 823 | Independent Mortgage Company |
| 29 | ZILLOW HOME LOANS, LLC | 75 | 34 | 67 | 582 | Independent Mortgage Company |
| 30 | FIRST COMMUNITY MORTGAGE, INC. | 75 | 33 | 84 | 338 | Independent Mortgage Company |
| 31 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 28 | 84 | 320 | Independent Mortgage Company |
| 32 | NFM, INC. | 75 | 40 | 83 | 304 | Independent Mortgage Company |
| 33 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 183 | Independent Mortgage Company |
| 34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 82 | 147 | Independent Mortgage Company |
| 35 | United Community Bank | 74 | 51 | 64 | 368 | Bank |
| 36 | Magnolia Bank, Incorporated | 74 | 48 | 74 | 204 | Bank |
| 37 | JPMorgan Chase Bank, National Association | 73 | 59 | 47 | 1,244 | Bank |
| 38 | Regions Bank | 73 | 60 | 59 | 494 | Bank |
| 39 | NEWREZ LLC | 73 | 52 | 56 | 436 | Independent Mortgage Company |
| 40 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 626 | Independent Mortgage Company |
| 41 | CANOPY MORTGAGE, LLC | 71 | 21 | 70 | 471 | Independent Mortgage Company |
| 42 | LOWER, LLC | 71 | 29 | 66 | 435 | Independent Mortgage Company |
| 43 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 71 | 21 | 76 | 353 | Independent Mortgage Company |
| 44 | Equity Prime Mortgage LLC | 71 | 22 | 63 | 338 | Independent Mortgage Company |
| 45 | Paramount Residential Mortgage Group, Inc. | 71 | 33 | 72 | 317 | Independent Mortgage Company |
| 46 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 253 | Independent Mortgage Company |
| 47 | GUARANTEED RATE AFFINITY, LLC | 71 | 33 | 63 | 243 | Independent Mortgage Company |
| 48 | STOCKTON MORTGAGE CORPORATION | 71 | 28 | 67 | 231 | Independent Mortgage Company |
| 49 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 25 | 69 | 192 | Independent Mortgage Company |
| 50 | BAY EQUITY LLC | 71 | 37 | 72 | 171 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Atlanta.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.