Safe Rate Rankings

Best Conventional Mortgage Companie Lenders in Atlanta

Updated May 25, 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
PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company
Exceptional
Exceptional
Exceptional
Sound
Strong
$1,275Fees
0.098%Below
494
2
LOANDEPOT.COM, LLCIndependent Mortgage Company
Exceptional
Sound
Exceptional
Strong
Exceptional
$2,986Fees
0.044%Below
1,222
3
VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company
Exceptional
Sound
Exceptional
Strong
Exceptional
$2,837Fees
0.127%Above
669
4
First Heritage Mortgage, LLCIndependent Mortgage Company
Exceptional
Sound
Exceptional
Exceptional
Strong
$3,554Fees
0.341%Above
230
5
ROCKET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$4,409Fees
0.271%Above
6,570
6
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$2,912Fees
0.163%Above
5,958
7
PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Sound
Exceptional
$1,715Fees
0.009%Above
888
8
Capital City Home Loans, LLCIndependent Mortgage Company
Strong
Sound
Strong
Strong
Exceptional
$2,300Fees
0.228%Above
347
9
MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company
Strong
Strong
Strong
Sound
Strong
$2,788Fees
0.200%Above
277
10
BAY EQUITY LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Strong
Strong
$3,289Fees
0.142%Above
171
11
FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Exceptional
$3,690Fees
0.395%Above
1,660
12
CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Exceptional
$4,174Fees
0.554%Above
1,044
13
GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Exceptional
$3,060Fees
0.233%Above
985
14
FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Sound
Strong
Sound
Exceptional
$2,904Fees
0.179%Above
932
15
MOVEMENT MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Exceptional
$2,689Fees
0.348%Above
823
16
MORTGAGE ASSURANCE, INC.Independent Mortgage Company
Strong
Sound
Strong
Sound
Exceptional
$1,903Fees
0.160%Above
323
17
ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$2,955Fees
0.233%Above
320
18
NEW AMERICAN FUNDING, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Exceptional
$3,431Fees
0.463%Above
1,398
19
TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company
Strong
Sound
Sound
Sound
Exceptional
$2,369Fees
0.491%Below
672
20
GUARANTEED RATE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,687Fees
0.274%Above
626
21
Prosperity Home Mortgage, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,125Fees
0.241%Above
580
22
NATIONSTAR MORTGAGE LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,006Fees
0.495%Above
518
23
LOWER, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,544Fees
0.465%Above
435
24
KIND LENDING, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,541Fees
0.456%Above
346
25
FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,915Fees
0.575%Above
338
26
Paramount Residential Mortgage Group, Inc.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,348Fees
0.552%Above
317
27
THE LOAN STORE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,605Fees
0.217%Above
274
28
CMG MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$1,703Fees
0.014%Above
253
29
STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,151Fees
0.374%Above
231
30
AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,391Fees
0.743%Above
192
31
UNION HOME MORTGAGE CORP.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,842Fees
0.387%Above
183
32
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,061Fees
0.526%Above
167
33
PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,759Fees
0.286%Above
147
34
EVERETT FINANCIAL, INC.Independent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Exceptional
$5,347Fees
0.833%Above
1,199
35
Mortgage Research Center, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Sound
Exceptional
$1,934Fees
0.461%Above
827
36
ZILLOW HOME LOANS, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Sound
Exceptional
$2,881Fees
0.306%Above
582
37
CANOPY MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$4,634Fees
0.345%Above
471
38
INSPIRE HOME LOANS INC.Independent Mortgage Company
Strong
Acceptable
Strong
Strong
Strong
$1,210Fees
0.798%Above
469
39
NEWREZ LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$3,282Fees
0.344%Above
436
40
HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
Strong
$4,841Fees
0.354%Above
353
41
GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$3,646Fees
0.442%Above
243
42
BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company
Strong
Mediocre
Strong
Strong
Exceptional
$4,293Fees
0.140%Above
893
43
AMERICAN FINANCING CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Strong
Acceptable
Exceptional
$4,962Fees
0.053%Above
458
44
AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$4,873Fees
0.746%Above
348
45
Onward Home Mortgage, LLCIndependent Mortgage Company
Strong
Acceptable
Sound
Sound
Exceptional
$3,617Fees
0.275%Above
324
46
NFM, INC.Independent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$4,519Fees
0.594%Above
304
47
ACOPIA, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Sound
Strong
$5,274Fees
0.463%Above
283
48
FBC MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Sound
Strong
$2,147Fees
0.152%Above
282
49
CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company
Sound
Acceptable
Strong
Acceptable
Strong
$4,737Fees
0.250%Above
291
50
NEW WAVE LENDING GROUP INCIndependent Mortgage Company
Sound
Mediocre
Strong
Strong
Strong
$3,760Fees
1.288%Above
146

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.