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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 VA Mortgage Company Lenders in Georgia

Updated February 6, 2026

Market Overview

Total Lenders

137,043

Total Loans

0.33%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	FBC MORTGAGE, LLC	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$2,110	+0.006%	490
2	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,909	+0.131%	11,272
3	VANDERBILT MORTGAGE AND FINANCE, INC.	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,837	+0.193%	1,807
4	TRAILBLAZER MORTGAGE L.L.C.	Exceptional	Exceptional	Strong	Strong	Exceptional	$2,377	-0.472%	770
5	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,648	+0.165%	1,970
6	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,987	+0.009%	1,954
7	GUARANTEED RATE, INC.	Exceptional	Strong	Exceptional	Strong	Exceptional	$3,505	+0.286%	1,526
8	MOVEMENT MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,666	+0.280%	2,603
9	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$3,134	+0.225%	1,019
10	INSPIRE HOME LOANS INC.	Exceptional	Strong	Exceptional	Strong	Strong	$1,316	+0.799%	803
11	KIND LENDING, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,569	+0.398%	736
12	AMERICAN FINANCIAL NETWORK, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,087	+0.644%	376
13	GUARANTEED RATE AFFINITY, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$3,617	+0.428%	374
14	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,013	-0.016%	2,166
15	CMG MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,225	+0.217%	725
16	First Heritage Mortgage, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,936	+0.289%	512
17	SWBC MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,796	+0.310%	506
18	PRIMELENDING, A PLAINSCAPITAL COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$4,015	+0.336%	419
19	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,805	+0.214%	399
20	TOWNE MORTGAGE COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,911	+0.448%	360
21	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,205	+0.286%	13,981
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,676	+0.426%	3,242
23	NEWREZ LLC	Strong	Sound	Exceptional	Strong	Strong	$3,041	+0.339%	842
24	Paramount Residential Mortgage Group, Inc.	Strong	Sound	Exceptional	Strong	Strong	$3,355	+0.503%	599
25	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$3,100	+0.255%	564
26	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,626	+0.258%	451
27	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$3,370	+0.362%	310
28	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,325	+0.493%	3,330
29	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,012	+0.316%	2,399
30	BANKSOUTH MORTGAGE COMPANY, LLC	Strong	Acceptable	Strong	Exceptional	Exceptional	$4,153	+0.252%	2,119
31	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,060	+0.556%	2,044
32	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,148	+0.327%	883
33	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,690	+0.508%	585
34	MORTGAGE ASSURANCE, INC.	Strong	Sound	Strong	Sound	Exceptional	$2,243	+0.112%	562
35	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,429	+0.646%	491
36	SOUTHEAST MORTGAGE OF GEORGIA, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$4,587	+0.541%	1,129
37	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,905	+0.496%	1,101
38	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$2,923	+0.332%	947
39	Capital City Home Loans, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$2,167	+0.305%	822
40	HOMEOWNERS FINANCIAL GROUP USA, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$4,631	+0.354%	822
41	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,392	+0.449%	740
42	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$3,683	+0.464%	597
43	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,169	+0.397%	532
44	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$3,346	+0.417%	383
45	EMM LOANS LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,174	+0.469%	328
46	MORTGAGE SOLUTIONS OF COLORADO, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,952	+0.558%	286
47	EVERETT FINANCIAL, INC.	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,167	+0.797%	1,971
48	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,687	+0.875%	627
49	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,671	+0.308%	582
50	ACOPIA, LLC	Strong	Acceptable	Strong	Strong	Strong	$4,891	+0.463%	488

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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