# Best VA Mortgage Lenders in Atlanta

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

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

> **Canonical URL:** https://saferate.com/atlanta/best-mortgage-lenders/va-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 | 95 | 64 | 83 | 5,958 | Independent Mortgage Company |
| 2 | Ameris Bank | 95 | 63 | 81 | 2,494 | Bank |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 95 | 79 | 86 | 669 | Independent Mortgage Company |
| 4 | FBC MORTGAGE, LLC | 95 | 85 | 87 | 282 | Independent Mortgage Company |
| 5 | FREEDOM MORTGAGE CORPORATION | 89 | 61 | 63 | 932 | Independent Mortgage Company |
| 6 | PENNYMAC LOAN SERVICES, LLC | 89 | 61 | 62 | 888 | Independent Mortgage Company |
| 7 | TRAILBLAZER MORTGAGE L.L.C. | 89 | 99 | 62 | 672 | Independent Mortgage Company |
| 8 | MOVEMENT MORTGAGE, LLC | 88 | 45 | 81 | 823 | Independent Mortgage Company |
| 9 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 626 | Independent Mortgage Company |
| 10 | Prosperity Home Mortgage, LLC | 85 | 64 | 73 | 580 | Independent Mortgage Company |
| 11 | INSPIRE HOME LOANS INC. | 85 | 66 | 78 | 469 | Independent Mortgage Company |
| 12 | KIND LENDING, LLC | 85 | 64 | 67 | 346 | Independent Mortgage Company |
| 13 | GUARANTEED RATE AFFINITY, LLC | 85 | 65 | 72 | 243 | Independent Mortgage Company |
| 14 | AMERICAN FINANCIAL NETWORK, INC. | 85 | 75 | 63 | 192 | Independent Mortgage Company |
| 15 | JPMorgan Chase Bank, National Association | 83 | 75 | 54 | 1,244 | Bank |
| 16 | LOANDEPOT.COM, LLC | 83 | 53 | 69 | 1,222 | Independent Mortgage Company |
| 17 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 651 | Credit Union |
| 18 | Renasant Bank | 83 | 59 | 83 | 324 | Bank |
| 19 | First Federal Bank | 83 | 92 | 58 | 257 | Bank |
| 20 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 253 | Independent Mortgage Company |
| 21 | First Heritage Mortgage, LLC | 83 | 52 | 90 | 230 | Independent Mortgage Company |
| 22 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 83 | 48 | 82 | 147 | Independent Mortgage Company |
| 23 | SouthState Bank, National Association | 80 | 73 | 68 | 404 | Bank |
| 24 | United Community Bank | 80 | 71 | 70 | 368 | Bank |
| 25 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 6,570 | Independent Mortgage Company |
| 26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 33 | 83 | 1,660 | Independent Mortgage Company |
| 27 | Truist Bank | 79 | 71 | 60 | 898 | Bank |
| 28 | NEWREZ LLC | 79 | 47 | 63 | 436 | Independent Mortgage Company |
| 29 | Flagstar Bank, N.A. | 79 | 56 | 68 | 319 | Bank |
| 30 | Paramount Residential Mortgage Group, Inc. | 79 | 40 | 71 | 317 | Independent Mortgage Company |
| 31 | MUTUAL OF OMAHA MORTGAGE, INC. | 79 | 46 | 60 | 277 | Independent Mortgage Company |
| 32 | USAA Federal Savings Bank | 79 | 62 | 58 | 187 | Bank |
| 33 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 32 | 71 | 1,044 | Independent Mortgage Company |
| 34 | GUILD MORTGAGE COMPANY LLC | 75 | 22 | 77 | 985 | Independent Mortgage Company |
| 35 | BANKSOUTH MORTGAGE COMPANY, LLC | 75 | 33 | 87 | 893 | Independent Mortgage Company |
| 36 | Mortgage Research Center, LLC | 75 | 34 | 61 | 827 | Independent Mortgage Company |
| 37 | FIRST COMMUNITY MORTGAGE, INC. | 75 | 39 | 83 | 338 | Independent Mortgage Company |
| 38 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 33 | 85 | 320 | Independent Mortgage Company |
| 39 | NFM, INC. | 75 | 40 | 83 | 304 | Independent Mortgage Company |
| 40 | Wells Fargo Bank, National Association | 73 | 53 | 55 | 730 | Bank |
| 41 | MORTGAGE ASSURANCE, INC. | 73 | 51 | 57 | 323 | Independent Mortgage Company |
| 42 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | 71 | 24 | 73 | 738 | Independent Mortgage Company |
| 43 | ZILLOW HOME LOANS, LLC | 71 | 39 | 68 | 582 | Independent Mortgage Company |
| 44 | NATIONSTAR MORTGAGE LLC | 71 | 20 | 69 | 518 | Independent Mortgage Company |
| 45 | LOWER, LLC | 71 | 25 | 63 | 435 | Independent Mortgage Company |
| 46 | Capital City Home Loans, LLC | 71 | 26 | 63 | 347 | Independent Mortgage Company |
| 47 | Presidential Bank, FSB | 71 | 39 | 82 | 310 | Bank |
| 48 | STOCKTON MORTGAGE CORPORATION | 71 | 22 | 65 | 231 | Independent Mortgage Company |
| 49 | Magnolia Bank, Incorporated | 71 | 30 | 74 | 204 | Bank |
| 50 | UNION HOME MORTGAGE CORP. | 71 | 25 | 79 | 183 | 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.