# Best FHA Mortgage Lenders in Georgia

**As of:** 2026-05-26

Compare the top FHA mortgage lenders in Georgia. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/georgia/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 379
- **Total Loans:** 137,043
- **Median Rate Spread:** 0.33132686980609416%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FREEDOM MORTGAGE CORPORATION | 89 | 65 | 62 | 1,970 | Independent Mortgage Company |
| 2 | TRAILBLAZER MORTGAGE L.L.C. | 89 | 93 | 67 | 770 | Independent Mortgage Company |
| 3 | First Heritage Mortgage, LLC | 89 | 68 | 84 | 512 | Independent Mortgage Company |
| 4 | FBC MORTGAGE, LLC | 89 | 77 | 82 | 490 | Independent Mortgage Company |
| 5 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 11,272 | Independent Mortgage Company |
| 6 | BANKSOUTH MORTGAGE COMPANY, LLC | 88 | 41 | 87 | 2,119 | Independent Mortgage Company |
| 7 | VANDERBILT MORTGAGE AND FINANCE, INC. | 88 | 59 | 83 | 1,807 | Independent Mortgage Company |
| 8 | Prosperity Home Mortgage, LLC | 85 | 63 | 72 | 1,019 | Independent Mortgage Company |
| 9 | SouthState Bank, National Association | 85 | 65 | 65 | 1,005 | Bank |
| 10 | Synovus Bank | 85 | 68 | 66 | 893 | Bank |
| 11 | MORTGAGE ASSURANCE, INC. | 85 | 60 | 64 | 562 | Independent Mortgage Company |
| 12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 61 | 79 | 399 | Independent Mortgage Company |
| 13 | Cadence Bank | 85 | 71 | 69 | 282 | Bank |
| 14 | Ameris Bank | 83 | 50 | 78 | 4,440 | Bank |
| 15 | LOANDEPOT.COM, LLC | 83 | 59 | 68 | 2,166 | Independent Mortgage Company |
| 16 | PENNYMAC LOAN SERVICES, LLC | 83 | 78 | 59 | 1,954 | Independent Mortgage Company |
| 17 | Flagstar Bank, N.A. | 83 | 58 | 71 | 1,161 | Bank |
| 18 | Renasant Bank | 83 | 51 | 79 | 1,064 | Bank |
| 19 | COLONY BANK | 83 | 55 | 81 | 610 | Bank |
| 20 | SWBC MORTGAGE CORPORATION | 83 | 42 | 83 | 506 | Independent Mortgage Company |
| 21 | TOWNE MORTGAGE COMPANY | 83 | 46 | 82 | 360 | Independent Mortgage Company |
| 22 | First Federal Bank | 80 | 70 | 60 | 458 | Bank |
| 23 | First Horizon Bank | 80 | 60 | 63 | 303 | Bank |
| 24 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 13,981 | Independent Mortgage Company |
| 25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 3,242 | Independent Mortgage Company |
| 26 | Truist Bank | 79 | 75 | 53 | 1,612 | Bank |
| 27 | United Community Bank | 79 | 51 | 64 | 1,000 | Bank |
| 28 | Capital City Home Loans, LLC | 79 | 41 | 70 | 822 | Independent Mortgage Company |
| 29 | INSPIRE HOME LOANS INC. | 79 | 53 | 75 | 803 | Independent Mortgage Company |
| 30 | KIND LENDING, LLC | 79 | 55 | 71 | 736 | Independent Mortgage Company |
| 31 | THE LOAN STORE, INC. | 79 | 49 | 72 | 451 | Independent Mortgage Company |
| 32 | U.S. Bank National Association | 79 | 65 | 60 | 445 | Bank |
| 33 | Plains Commerce Bank | 79 | 47 | 66 | 354 | Bank |
| 34 | EMM LOANS LLC | 79 | 44 | 67 | 328 | Independent Mortgage Company |
| 35 | NBKC BANK | 79 | 88 | 54 | 319 | Bank |
| 36 | FirstBank | 79 | 56 | 78 | 292 | Bank |
| 37 | Regions Bank | 77 | 60 | 59 | 1,121 | Bank |
| 38 | MOVEMENT MORTGAGE, LLC | 75 | 30 | 79 | 2,603 | Independent Mortgage Company |
| 39 | GUILD MORTGAGE COMPANY LLC | 75 | 29 | 80 | 2,399 | Independent Mortgage Company |
| 40 | GUARANTEED RATE, INC. | 75 | 38 | 68 | 1,526 | Independent Mortgage Company |
| 41 | CANOPY MORTGAGE, LLC | 75 | 21 | 70 | 1,308 | Independent Mortgage Company |
| 42 | ZILLOW HOME LOANS, LLC | 75 | 34 | 67 | 947 | Independent Mortgage Company |
| 43 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 28 | 84 | 883 | Independent Mortgage Company |
| 44 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 75 | 21 | 76 | 822 | Independent Mortgage Company |
| 45 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 597 | Independent Mortgage Company |
| 46 | FIRST COMMUNITY MORTGAGE, INC. | 75 | 33 | 84 | 585 | Independent Mortgage Company |
| 47 | NFM, INC. | 75 | 40 | 83 | 491 | Independent Mortgage Company |
| 48 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 82 | 419 | Independent Mortgage Company |
| 49 | Magnolia Bank, Incorporated | 74 | 48 | 74 | 536 | Bank |
| 50 | JPMorgan Chase Bank, National Association | 73 | 59 | 47 | 1,962 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Georgia.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.