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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 FHA 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 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,377 | -0.472% | 770 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,648 | +0.165% | 1,970 | |
3 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,936 | +0.289% | 512 | |
4 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,110 | +0.006% | 490 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,909 | +0.131% | 11,272 | |
6 | BANKSOUTH MORTGAGE COMPANY, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,153 | +0.252% | 2,119 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,987 | +0.009% | 1,954 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,837 | +0.193% | 1,807 | |
9 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,134 | +0.225% | 1,019 | |
10 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $2,321 | +0.144% | 1,005 | |
11 | Synovus Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,220 | +0.059% | 893 | |
12 | MORTGAGE ASSURANCE, INC. | Exceptional | Strong | Strong | Strong | Exceptional | $2,243 | +0.112% | 562 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,805 | +0.214% | 399 | |
14 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $772 | -0.177% | 319 | |
15 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Strong | $2,624 | +0.116% | 282 | |
16 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,175 | +0.190% | 4,440 | |
17 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,013 | -0.016% | 2,166 | |
18 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | $959 | +0.057% | 1,612 | |
19 | Flagstar Bank, N.A. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,823 | +0.364% | 1,161 | |
20 | Renasant Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,111 | +0.178% | 1,064 | |
21 | COLONY BANK | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,178 | +0.290% | 610 | |
22 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,796 | +0.310% | 506 | |
23 | First Federal Bank | Exceptional | Strong | Strong | Strong | Strong | $1,649 | -0.010% | 458 | |
24 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $294 | -0.060% | 445 | |
25 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,911 | +0.448% | 360 | |
26 | First Horizon Bank | Exceptional | Strong | Strong | Strong | Strong | $1,274 | +0.112% | 303 | |
27 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,205 | +0.286% | 13,981 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,676 | +0.426% | 3,242 | |
29 | Regions Bank | Strong | Sound | Exceptional | Sound | Exceptional | $2,457 | +0.228% | 1,121 | |
30 | United Community Bank | Strong | Sound | Strong | Strong | Exceptional | $2,219 | +0.458% | 1,000 | |
31 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,167 | +0.305% | 822 | |
32 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $1,316 | +0.799% | 803 | |
33 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,569 | +0.398% | 736 | |
34 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,626 | +0.258% | 451 | |
35 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,578 | +0.337% | 354 | |
36 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $3,174 | +0.469% | 328 | |
37 | FirstBank | Strong | Sound | Exceptional | Strong | Strong | $2,238 | +0.288% | 292 | |
38 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,666 | +0.280% | 2,603 | |
39 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,012 | +0.316% | 2,399 | |
40 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,474 | +0.113% | 1,962 | |
41 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,505 | +0.286% | 1,526 | |
42 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,537 | +0.366% | 1,308 | |
43 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,923 | +0.332% | 947 | |
44 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,148 | +0.327% | 883 | |
45 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,631 | +0.354% | 822 | |
46 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,683 | +0.464% | 597 | |
47 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,690 | +0.508% | 585 | |
48 | Magnolia Bank, Incorporated | Strong | Sound | Strong | Strong | Strong | $3,165 | +0.161% | 536 | |
49 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,429 | +0.646% | 491 | |
50 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,015 | +0.336% | 419 |
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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