Safe Rate Rankings

Best All Lender 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	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	FirstBankBank	Strong	Sound	Exceptional	Exceptional	$1,887Fees	0.397%Above	116
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,164Fees	0.221%Above	46
3	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,975Fees	0.460%Above	132
4	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,868Fees	0.715%Above	69
5	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,521Fees	0.405%Above	68
6	Regions BankBank	Strong	Sound	Strong	Strong	$806Fees	0.554%Above	25
7	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,873Fees	0.144%Above	22
8	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,359Fees	0.575%Above	40
9	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,773Fees	0.675%Above	38
10	BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,235Fees	0.504%Above	36
11	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	$3,537Fees	0.320%Above	34
12	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,390Fees	0.347%Above	28
13	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,981Fees	0.555%Above	34
14	TENNESSEE VALLEY FCUCredit Union	Strong	Acceptable	Strong	Strong	$3,200Fees	0.090%Above	21
15	GEORGIA UNITEDCredit Union	Sound	Acceptable	Acceptable	Exceptional	$2,707Fees	0.300%Above	66
16	SUMMIT FUNDING, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$5,512Fees	0.931%Above	43

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.