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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 VA Mortgage Company Lenders in Atlanta
Updated February 5, 2026
Market Overview
50
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 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,147 | +0.152% | 282 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,912 | +0.163% | 5,958 | |
3 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,369 | -0.491% | 672 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,837 | +0.127% | 669 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,904 | +0.179% | 932 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,715 | +0.009% | 888 | |
7 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,689 | +0.348% | 823 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,687 | +0.274% | 626 | |
9 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,125 | +0.241% | 580 | |
10 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,210 | +0.798% | 469 | |
11 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,541 | +0.456% | 346 | |
12 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,646 | +0.442% | 243 | |
13 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,391 | +0.743% | 192 | |
14 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,986 | -0.044% | 1,222 | |
15 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,703 | +0.014% | 253 | |
16 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,554 | +0.341% | 230 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,759 | +0.286% | 147 | |
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 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $3,282 | +0.344% | 436 | |
21 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,348 | +0.552% | 317 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,788 | +0.200% | 277 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,174 | +0.554% | 1,044 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,060 | +0.233% | 985 | |
25 | BANKSOUTH MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,293 | +0.140% | 893 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,934 | +0.461% | 827 | |
27 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,915 | +0.575% | 338 | |
28 | MORTGAGE ASSURANCE, INC. | Strong | Sound | Strong | Sound | Exceptional | $1,903 | +0.160% | 323 | |
29 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,955 | +0.233% | 320 | |
30 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,519 | +0.594% | 304 | |
31 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $4,963 | +0.548% | 738 | |
32 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,881 | +0.306% | 582 | |
33 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,006 | +0.495% | 518 | |
34 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,544 | +0.465% | 435 | |
35 | Capital City Home Loans, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,300 | +0.228% | 347 | |
36 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,151 | +0.374% | 231 | |
37 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,842 | +0.387% | 183 | |
38 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,289 | +0.142% | 171 | |
39 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,061 | +0.526% | 167 | |
40 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,347 | +0.833% | 1,199 | |
41 | AMERICAN FINANCING CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $4,962 | +0.053% | 458 | |
42 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,841 | +0.354% | 353 | |
43 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,090 | +0.963% | 338 | |
44 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,737 | +0.250% | 291 | |
45 | ACOPIA, LLC | Strong | Acceptable | Strong | Strong | Strong | $5,274 | +0.463% | 283 | |
46 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,431 | +0.463% | 1,398 | |
47 | CANOPY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,634 | +0.345% | 471 | |
48 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,873 | +0.746% | 348 | |
49 | Onward Home Mortgage, LLC | Strong | Acceptable | Sound | Sound | Exceptional | $3,617 | +0.275% | 324 | |
50 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $5,165 | +0.535% | 168 |
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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