# Best USDA Mortgage Lenders in Atlanta

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

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

> **Canonical URL:** https://saferate.com/atlanta/best-mortgage-lenders/usda-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 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 62 | 75 | 5,958 | Independent Mortgage Company |
| 2 | GUILD MORTGAGE COMPANY LLC | 89 | 71 | 78 | 985 | Independent Mortgage Company |
| 3 | Ameris Bank | 83 | 53 | 70 | 2,494 | Bank |
| 4 | TRAILBLAZER MORTGAGE L.L.C. | 83 | 92 | 54 | 672 | Independent Mortgage Company |
| 5 | FIRST COMMUNITY MORTGAGE, INC. | 83 | 55 | 80 | 338 | Independent Mortgage Company |
| 6 | United Community Bank | 80 | 78 | 60 | 368 | Bank |
| 7 | Magnolia Bank, Incorporated | 79 | 53 | 71 | 204 | Bank |
| 8 | BANKSOUTH MORTGAGE COMPANY, LLC | 71 | 23 | 76 | 893 | Independent Mortgage Company |
| 9 | GUARANTEED RATE, INC. | 71 | 34 | 67 | 626 | Independent Mortgage Company |
| 10 | Equity Prime Mortgage LLC | 71 | 37 | 72 | 338 | Independent Mortgage Company |
| 11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 63 | 17 | 73 | 1,660 | Independent Mortgage Company |
| 12 | NEW AMERICAN FUNDING, LLC | 63 | 5 | 62 | 1,398 | Independent Mortgage Company |
| 13 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 7 | 70 | 1,044 | Independent Mortgage Company |
| 14 | MOVEMENT MORTGAGE, LLC | 63 | 8 | 70 | 823 | Independent Mortgage Company |
| 15 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | 60 | 13 | 61 | 738 | Independent Mortgage Company |
| 16 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 57 | 19 | 70 | 353 | Independent Mortgage Company |
| 17 | ACOPIA, LLC | 57 | 18 | 80 | 283 | 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.