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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 Mortgage Lenders in Georgia
Updated February 6, 2026
Market Overview
379
Total Lenders
137,043
Total Loans
0.33%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Exceptional | $2,377 | -0.472% | 770 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $739 | -0.483% | 1,780 | |
3 | DELTA COMMUNITY CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $2,355 | -0.437% | 929 | |
4 | Truist Bank | Exceptional | Strong | Strong | Exceptional | $959 | +0.057% | 1,612 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,478 | -0.097% | 719 | |
6 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $2,110 | +0.006% | 490 | |
7 | First Federal Bank | Exceptional | Exceptional | Sound | Strong | $1,649 | -0.010% | 458 | |
8 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $772 | -0.177% | 319 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,909 | +0.131% | 11,272 | |
10 | Ameris Bank | Strong | Sound | Exceptional | Exceptional | $3,175 | +0.190% | 4,440 | |
11 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $2,837 | +0.193% | 1,807 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $2,123 | +0.025% | 1,450 | |
13 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,609 | -0.151% | 926 | |
14 | COLONY BANK | Strong | Sound | Exceptional | Exceptional | $2,178 | +0.290% | 610 | |
15 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $294 | -0.060% | 445 | |
16 | ROBINS FINANCIAL | Strong | Strong | Strong | Strong | $1,735 | -0.258% | 355 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $3,013 | -0.016% | 2,166 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,648 | +0.165% | 1,970 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,474 | +0.113% | 1,962 | |
20 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $1,987 | +0.009% | 1,954 | |
21 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $3,505 | +0.286% | 1,526 | |
22 | Regions Bank | Strong | Sound | Strong | Exceptional | $2,457 | +0.228% | 1,121 | |
23 | SouthState Bank, National Association | Strong | Sound | Strong | Exceptional | $2,321 | +0.144% | 1,005 | |
24 | Synovus Bank | Strong | Sound | Strong | Exceptional | $2,220 | +0.059% | 893 | |
25 | Capital City Home Loans, LLC | Strong | Sound | Strong | Exceptional | $2,167 | +0.305% | 822 | |
26 | MORTGAGE ASSURANCE, INC. | Strong | Sound | Strong | Exceptional | $2,243 | +0.112% | 562 | |
27 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $2,936 | +0.289% | 512 | |
28 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,805 | +0.214% | 399 | |
29 | FirstBank | Strong | Sound | Exceptional | Strong | $2,238 | +0.288% | 292 | |
30 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,205 | +0.286% | 13,981 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,676 | +0.426% | 3,242 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,666 | +0.280% | 2,603 | |
33 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,012 | +0.316% | 2,399 | |
34 | BANKSOUTH MORTGAGE COMPANY, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,153 | +0.252% | 2,119 | |
35 | Renasant Bank | Strong | Acceptable | Exceptional | Exceptional | $3,111 | +0.178% | 1,064 | |
36 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $1,316 | +0.799% | 803 | |
37 | NexBank | Strong | Sound | Strong | Strong | $2,261 | +0.300% | 563 | |
38 | Associated Credit Union | Strong | Sound | Sound | Exceptional | $4,072 | -1.254% | 481 | |
39 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,274 | +0.112% | 303 | |
40 | Cadence Bank | Strong | Sound | Strong | Strong | $2,624 | +0.116% | 282 | |
41 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $2,325 | +0.493% | 3,330 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,060 | +0.556% | 2,044 | |
43 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,537 | +0.366% | 1,308 | |
44 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Exceptional | $2,823 | +0.364% | 1,161 | |
45 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Exceptional | $2,923 | +0.332% | 947 | |
46 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | $3,148 | +0.327% | 883 | |
47 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,225 | +0.217% | 725 | |
48 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,683 | +0.464% | 597 | |
49 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,690 | +0.508% | 585 | |
50 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Strong | $3,165 | +0.161% | 536 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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