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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 Bank Mortgage Lenders in Georgia
Updated February 6, 2026
Market Overview
25
Total Lenders
26,746
Total Loans
0.19%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Truist Bank | Exceptional | Strong | Strong | Exceptional | $959 | +0.057% | 1,612 | |
2 | First Federal Bank | Exceptional | Exceptional | Sound | Strong | $1,649 | -0.010% | 458 | |
3 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $772 | -0.177% | 319 | |
4 | Ameris Bank | Strong | Sound | Exceptional | Exceptional | $3,175 | +0.190% | 4,440 | |
5 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $2,123 | +0.025% | 1,450 | |
6 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,609 | -0.151% | 926 | |
7 | COLONY BANK | Strong | Sound | Exceptional | Exceptional | $2,178 | +0.290% | 610 | |
8 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $294 | -0.060% | 445 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,474 | +0.113% | 1,962 | |
10 | Regions Bank | Strong | Sound | Strong | Exceptional | $2,457 | +0.228% | 1,121 | |
11 | SouthState Bank, National Association | Strong | Sound | Strong | Exceptional | $2,321 | +0.144% | 1,005 | |
12 | Synovus Bank | Strong | Sound | Strong | Exceptional | $2,220 | +0.059% | 893 | |
13 | FirstBank | Strong | Sound | Exceptional | Strong | $2,238 | +0.288% | 292 | |
14 | Renasant Bank | Strong | Acceptable | Exceptional | Exceptional | $3,111 | +0.178% | 1,064 | |
15 | NexBank | Strong | Sound | Strong | Strong | $2,261 | +0.300% | 563 | |
16 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,274 | +0.112% | 303 | |
17 | Cadence Bank | Strong | Sound | Strong | Strong | $2,624 | +0.116% | 282 | |
18 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Exceptional | $2,823 | +0.364% | 1,161 | |
19 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,573 | -0.105% | 592 | |
20 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Strong | $3,165 | +0.161% | 536 | |
21 | United Community Bank | Strong | Acceptable | Sound | Exceptional | $2,219 | +0.458% | 1,000 | |
22 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | $3,750 | +0.386% | 565 | |
23 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $3,578 | +0.337% | 354 | |
24 | The Federal Savings Bank | Sound | Mediocre | Sound | Strong | $4,036 | +0.461% | 320 | |
25 | First National Bank of America | Sound | Mediocre | Sound | Strong | $7,296 | +1.933% | 293 |
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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