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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 USDA 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 | Synovus Bank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,220 | +0.059% | 893 | |
2 | Truist Bank | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $959 | +0.057% | 1,612 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,909 | +0.131% | 11,272 | |
4 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,012 | +0.316% | 2,399 | |
5 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Sound | Exceptional | $2,377 | -0.472% | 770 | |
6 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,134 | +0.225% | 1,019 | |
7 | United Community Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,219 | +0.458% | 1,000 | |
8 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,041 | +0.339% | 842 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,805 | +0.214% | 399 | |
10 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,175 | +0.190% | 4,440 | |
11 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,837 | +0.193% | 1,807 | |
12 | Renasant Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,111 | +0.178% | 1,064 | |
13 | FIRST COMMUNITY MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,690 | +0.508% | 585 | |
14 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Sound | Exceptional | $2,823 | +0.364% | 1,161 | |
15 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,569 | +0.398% | 736 | |
16 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,225 | +0.217% | 725 | |
17 | COLONY BANK | Strong | Sound | — | Exceptional | Exceptional | $2,178 | +0.290% | 610 | |
18 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,355 | +0.503% | 599 | |
19 | Magnolia Bank, Incorporated | Strong | Sound | Exceptional | Strong | Strong | $3,165 | +0.161% | 536 | |
20 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,087 | +0.644% | 376 | |
21 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Strong | Strong | $2,911 | +0.448% | 360 | |
22 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,370 | +0.362% | 310 | |
23 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,505 | +0.286% | 1,526 | |
24 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,537 | +0.366% | 1,308 | |
25 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Sound | Strong | $1,316 | +0.799% | 803 | |
26 | MORTGAGE ASSURANCE, INC. | Strong | Sound | Sound | Strong | Exceptional | $2,243 | +0.112% | 562 | |
27 | BANKSOUTH MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,153 | +0.252% | 2,119 | |
28 | Capital City Home Loans, LLC | Strong | Sound | Sound | Sound | Exceptional | $2,167 | +0.305% | 822 | |
29 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,392 | +0.449% | 740 | |
30 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,687 | +0.875% | 627 | |
31 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,169 | +0.397% | 532 | |
32 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,796 | +0.310% | 506 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $4,015 | +0.336% | 419 | |
34 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,346 | +0.417% | 383 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,676 | +0.426% | 3,242 | |
36 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,041 | +0.463% | 3,205 | |
37 | MOVEMENT MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,666 | +0.280% | 2,603 | |
38 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,060 | +0.556% | 2,044 | |
39 | SouthState Bank, National Association | Strong | Sound | Sound | Acceptable | Exceptional | $2,321 | +0.144% | 1,005 | |
40 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $4,587 | +0.541% | 1,129 | |
41 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $3,148 | +0.327% | 883 | |
42 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,631 | +0.682% | 831 | |
43 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $4,631 | +0.354% | 822 | |
44 | UNION HOME MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Strong | $3,683 | +0.464% | 597 | |
45 | ACOPIA, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,891 | +0.463% | 488 | |
46 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Sound | Acceptable | Strong | $4,903 | +0.550% | 294 |
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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