Safe Rate Rankings

Best Conventional Mortgage Lenders in Dalton

Updated May 26, 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.

Market

Total Lenders30

Total Loans1,019

Median Rate Spread0.45%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	FirstBankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,887Fees	0.397%Above	116
2	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,668Fees	0.474%Above	11
3	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,975Fees	0.460%Above	132
4	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,873Fees	0.144%Above	22
5	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,868Fees	0.715%Above	69
6	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,521Fees	0.405%Above	68
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,164Fees	0.221%Above	46
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,355Fees	0.353%Above	18
9	Ameris BankBank	Strong	Sound	Exceptional	Strong	Sound	$3,463Fees	0.269%Above	15
10	GEORGIA UNITEDCredit Union	Strong	Acceptable	Strong	Strong	Exceptional	$2,707Fees	0.300%Above	66
11	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,359Fees	0.575%Above	40
12	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,773Fees	0.675%Above	38
13	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,981Fees	0.555%Above	34
14	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,537Fees	0.320%Above	34
15	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$806Fees	0.554%Above	25
16	TENNESSEE VALLEY FCUCredit Union	Strong	Acceptable	Strong	Strong	Strong	$3,200Fees	0.090%Above	21
17	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,143Fees	0.205%Above	18
18	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,342Fees	0.408%Above	13
19	SUMMIT FUNDING, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$5,512Fees	0.931%Above	43
20	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,950Fees	0.866%Above	17
21	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,649Fees	0.744%Above	11
22	TJC Mortgage, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$4,671Fees	0.257%Above	13

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.