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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $739 | -0.483% | 1,780 | |
2 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $959 | +0.057% | 1,612 | |
3 | DELTA COMMUNITY CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Exceptional | $2,355 | -0.437% | 929 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,478 | -0.097% | 719 | |
5 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,123 | +0.025% | 1,450 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,609 | -0.151% | 926 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $294 | -0.060% | 445 | |
8 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $772 | -0.177% | 319 | |
9 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,175 | +0.190% | 4,440 | |
10 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,013 | -0.016% | 2,166 | |
11 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,474 | +0.113% | 1,962 | |
12 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,837 | +0.193% | 1,807 | |
13 | SouthState Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,321 | +0.144% | 1,005 | |
14 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,936 | +0.289% | 512 | |
15 | ROBINS FINANCIAL | Exceptional | Strong | Strong | Strong | Strong | $1,735 | -0.258% | 355 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,205 | +0.286% | 13,981 | |
17 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,909 | +0.131% | 11,272 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,987 | +0.009% | 1,954 | |
19 | Synovus Bank | Strong | Sound | Strong | Strong | Exceptional | $2,220 | +0.059% | 893 | |
20 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,167 | +0.305% | 822 | |
21 | COLONY BANK | Strong | Sound | Strong | Strong | Exceptional | $2,178 | +0.290% | 610 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $3,100 | +0.255% | 564 | |
23 | First Federal Bank | Strong | Strong | Strong | Sound | Strong | $1,649 | -0.010% | 458 | |
24 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,805 | +0.214% | 399 | |
25 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,370 | +0.362% | 310 | |
26 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $1,274 | +0.112% | 303 | |
27 | FirstBank | Strong | Sound | Exceptional | Strong | Strong | $2,238 | +0.288% | 292 | |
28 | Cadence Bank | Strong | Sound | Exceptional | Strong | Strong | $2,624 | +0.116% | 282 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,676 | +0.426% | 3,242 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,666 | +0.280% | 2,603 | |
31 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,012 | +0.316% | 2,399 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,060 | +0.556% | 2,044 | |
33 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,648 | +0.165% | 1,970 | |
34 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,505 | +0.286% | 1,526 | |
35 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,823 | +0.364% | 1,161 | |
36 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,457 | +0.228% | 1,121 | |
37 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,111 | +0.178% | 1,064 | |
38 | United Community Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,219 | +0.458% | 1,000 | |
39 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,148 | +0.327% | 883 | |
40 | NexBank | Strong | Sound | Strong | Strong | Strong | $2,261 | +0.300% | 563 | |
41 | MORTGAGE ASSURANCE, INC. | Strong | Sound | Strong | Sound | Exceptional | $2,243 | +0.112% | 562 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,905 | +0.496% | 1,101 | |
43 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,134 | +0.225% | 1,019 | |
44 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,631 | +0.354% | 822 | |
45 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,392 | +0.449% | 740 | |
46 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,569 | +0.398% | 736 | |
47 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,225 | +0.217% | 725 | |
48 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,355 | +0.503% | 599 | |
49 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,683 | +0.464% | 597 | |
50 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,690 | +0.508% | 585 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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