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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 Company Lenders in Georgia
Updated February 6, 2026
Market Overview
50
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,478 | -0.097% | 719 | |
2 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,013 | -0.016% | 2,166 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,837 | +0.193% | 1,807 | |
4 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,936 | +0.289% | 512 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,205 | +0.286% | 13,981 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,909 | +0.131% | 11,272 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,987 | +0.009% | 1,954 | |
8 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,167 | +0.305% | 822 | |
9 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $3,100 | +0.255% | 564 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,805 | +0.214% | 399 | |
11 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,370 | +0.362% | 310 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,676 | +0.426% | 3,242 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,666 | +0.280% | 2,603 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,012 | +0.316% | 2,399 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,060 | +0.556% | 2,044 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,648 | +0.165% | 1,970 | |
17 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,505 | +0.286% | 1,526 | |
18 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,148 | +0.327% | 883 | |
19 | MORTGAGE ASSURANCE, INC. | Strong | Sound | Strong | Sound | Exceptional | $2,243 | +0.112% | 562 | |
20 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,041 | +0.463% | 3,205 | |
21 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $4,537 | +0.366% | 1,308 | |
22 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,905 | +0.496% | 1,101 | |
23 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,134 | +0.225% | 1,019 | |
24 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,631 | +0.354% | 822 | |
25 | TRAILBLAZER MORTGAGE L.L.C. | Strong | Sound | Sound | Sound | Exceptional | $2,377 | -0.472% | 770 | |
26 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,392 | +0.449% | 740 | |
27 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,569 | +0.398% | 736 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,225 | +0.217% | 725 | |
29 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,355 | +0.503% | 599 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,683 | +0.464% | 597 | |
31 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,690 | +0.508% | 585 | |
32 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,169 | +0.397% | 532 | |
33 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,796 | +0.310% | 506 | |
34 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,626 | +0.258% | 451 | |
35 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $4,015 | +0.336% | 419 | |
36 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,346 | +0.417% | 383 | |
37 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,087 | +0.644% | 376 | |
38 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,911 | +0.448% | 360 | |
39 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,174 | +0.469% | 328 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,325 | +0.493% | 3,330 | |
41 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,167 | +0.797% | 1,971 | |
42 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,923 | +0.332% | 947 | |
43 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,041 | +0.339% | 842 | |
44 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $1,316 | +0.799% | 803 | |
45 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,617 | +0.428% | 374 | |
46 | BANKSOUTH MORTGAGE COMPANY, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $4,153 | +0.252% | 2,119 | |
47 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,631 | +0.682% | 831 | |
48 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,110 | +0.006% | 490 | |
49 | ACOPIA, LLC | Strong | Acceptable | Strong | Sound | Strong | $4,891 | +0.463% | 488 | |
50 | Onward Home Mortgage, LLC | Strong | Acceptable | Sound | Sound | Exceptional | $3,641 | +0.302% | 458 |
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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