Safe Rate Rankings

Best FHA Mortgage Companie Lenders in Atlanta

Updated May 30, 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
TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company
Exceptional
Exceptional
Strong
Strong
Exceptional
$2,369Fees
0.491%Below
672
2
FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Exceptional
$2,904Fees
0.179%Above
932
3
FBC MORTGAGE, LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Exceptional
Strong
$2,147Fees
0.152%Above
282
4
First Heritage Mortgage, LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Exceptional
Strong
$3,554Fees
0.341%Above
230
5
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Exceptional
Sound
Exceptional
Exceptional
Exceptional
$2,912Fees
0.163%Above
5,958
6
BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company
Exceptional
Sound
Exceptional
Exceptional
Exceptional
$4,293Fees
0.140%Above
893
7
PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Sound
Exceptional
$1,715Fees
0.009%Above
888
8
VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company
Exceptional
Sound
Exceptional
Exceptional
Exceptional
$2,837Fees
0.127%Above
669
9
Prosperity Home Mortgage, LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Strong
$3,125Fees
0.241%Above
580
10
MORTGAGE ASSURANCE, INC.Independent Mortgage Company
Exceptional
Strong
Strong
Strong
Exceptional
$1,903Fees
0.160%Above
323
11
LOANDEPOT.COM, LLCIndependent Mortgage Company
Exceptional
Sound
Exceptional
Strong
Exceptional
$2,986Fees
0.044%Below
1,222
12
ROCKET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$4,409Fees
0.271%Above
6,570
13
FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$3,690Fees
0.395%Above
1,660
14
INSPIRE HOME LOANS INC.Independent Mortgage Company
Strong
Sound
Exceptional
Strong
Strong
$1,210Fees
0.798%Above
469
15
AMERICAN FINANCING CORPORATIONIndependent Mortgage Company
Strong
Sound
Exceptional
Sound
Exceptional
$4,962Fees
0.053%Above
458
16
Capital City Home Loans, LLCIndependent Mortgage Company
Strong
Sound
Strong
Strong
Exceptional
$2,300Fees
0.228%Above
347
17
KIND LENDING, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Strong
Strong
$2,541Fees
0.456%Above
346
18
THE LOAN STORE, INC.Independent Mortgage Company
Strong
Sound
Exceptional
Strong
Strong
$2,605Fees
0.217%Above
274
19
GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Exceptional
$3,060Fees
0.233%Above
985
20
MOVEMENT MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Exceptional
$2,689Fees
0.348%Above
823
21
ZILLOW HOME LOANS, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Exceptional
$2,881Fees
0.306%Above
582
22
NEWREZ LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Sound
Strong
$3,282Fees
0.344%Above
436
23
FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$3,915Fees
0.575%Above
338
24
ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$2,955Fees
0.233%Above
320
25
NFM, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$4,519Fees
0.594%Above
304
26
UNION HOME MORTGAGE CORP.Independent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$3,842Fees
0.387%Above
183
27
PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$3,759Fees
0.286%Above
147
28
EVERETT FINANCIAL, INC.Independent Mortgage Company
Strong
Mediocre
Exceptional
Exceptional
Exceptional
$5,347Fees
0.833%Above
1,199
29
Mortgage Research Center, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Exceptional
$1,934Fees
0.461%Above
827
30
GUARANTEED RATE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,687Fees
0.274%Above
626
31
CANOPY MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,634Fees
0.345%Above
471
32
LOWER, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,544Fees
0.465%Above
435
33
HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,841Fees
0.354%Above
353
34
Equity Prime Mortgage LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,090Fees
0.963%Above
338
35
Paramount Residential Mortgage Group, Inc.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,348Fees
0.552%Above
317
36
CMG MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$1,703Fees
0.014%Above
253
37
GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,646Fees
0.442%Above
243
38
STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,151Fees
0.374%Above
231
39
AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,391Fees
0.743%Above
192
40
BAY EQUITY LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,289Fees
0.142%Above
171
41
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,061Fees
0.526%Above
167
42
OCMBC, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,375Fees
0.863%Above
138
43
CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Exceptional
$4,174Fees
0.554%Above
1,044
44
AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Mediocre
Exceptional
Exceptional
Strong
$4,873Fees
0.746%Above
348
45
CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$4,737Fees
0.250%Above
291
46
MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$2,788Fees
0.200%Above
277
47
AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$5,165Fees
0.535%Above
168
48
First Option Mortgage, LLCIndependent Mortgage Company
Strong
Mediocre
Strong
Strong
Exceptional
$4,853Fees
0.873%Above
766
49
SOUTHEAST MORTGAGE OF GEORGIA, INC.Independent Mortgage Company
Strong
Mediocre
Strong
Strong
Exceptional
$4,963Fees
0.548%Above
738
50
Onward Home Mortgage, LLCIndependent Mortgage Company
Strong
Acceptable
Sound
Sound
Exceptional
$3,617Fees
0.275%Above
324

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.