# Best USDA Mortgage Lenders in Georgia

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

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

> **Canonical URL:** https://saferate.com/georgia/best-mortgage-lenders/usda-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 | Synovus Bank | 95 | 84 | 66 | 893 | Bank |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 62 | 75 | 11,272 | Independent Mortgage Company |
| 3 | GUILD MORTGAGE COMPANY LLC | 89 | 71 | 78 | 2,399 | Independent Mortgage Company |
| 4 | Truist Bank | 88 | 88 | 53 | 1,612 | Bank |
| 5 | Prosperity Home Mortgage, LLC | 85 | 63 | 75 | 1,019 | Independent Mortgage Company |
| 6 | United Community Bank | 85 | 78 | 60 | 1,000 | Bank |
| 7 | NEWREZ LLC | 85 | 65 | 69 | 842 | Independent Mortgage Company |
| 8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 69 | 72 | 399 | Independent Mortgage Company |
| 9 | Ameris Bank | 83 | 53 | 70 | 4,440 | Bank |
| 10 | VANDERBILT MORTGAGE AND FINANCE, INC. | 83 | 47 | 61 | 1,807 | Independent Mortgage Company |
| 11 | Renasant Bank | 83 | 49 | 67 | 1,064 | Bank |
| 12 | TRAILBLAZER MORTGAGE L.L.C. | 83 | 92 | 54 | 770 | Independent Mortgage Company |
| 13 | FIRST COMMUNITY MORTGAGE, INC. | 83 | 55 | 80 | 585 | Independent Mortgage Company |
| 14 | KIND LENDING, LLC | 79 | 60 | 64 | 736 | Independent Mortgage Company |
| 15 | CMG MORTGAGE, INC. | 79 | 48 | 72 | 725 | Independent Mortgage Company |
| 16 | Paramount Residential Mortgage Group, Inc. | 79 | 42 | 63 | 599 | Independent Mortgage Company |
| 17 | Magnolia Bank, Incorporated | 79 | 53 | 71 | 536 | Bank |
| 18 | AMERICAN FINANCIAL NETWORK, INC. | 79 | 43 | 61 | 376 | Independent Mortgage Company |
| 19 | TOWNE MORTGAGE COMPANY | 79 | 54 | 69 | 360 | Independent Mortgage Company |
| 20 | PLAZA HOME MORTGAGE, INC. | 79 | 43 | 60 | 310 | Independent Mortgage Company |
| 21 | Flagstar Bank, N.A. | 77 | 41 | 58 | 1,161 | Bank |
| 22 | COLONY BANK | 77 | 48 | 81 | 610 | Bank |
| 23 | GUARANTEED RATE, INC. | 75 | 34 | 67 | 1,526 | Independent Mortgage Company |
| 24 | CANOPY MORTGAGE, LLC | 75 | 20 | 70 | 1,308 | Independent Mortgage Company |
| 25 | INSPIRE HOME LOANS INC. | 73 | 43 | 49 | 803 | Independent Mortgage Company |
| 26 | MORTGAGE ASSURANCE, INC. | 73 | 51 | 64 | 562 | Independent Mortgage Company |
| 27 | BANKSOUTH MORTGAGE COMPANY, LLC | 71 | 23 | 76 | 2,119 | Independent Mortgage Company |
| 28 | LOWER, LLC | 71 | 36 | 69 | 740 | Independent Mortgage Company |
| 29 | Equity Prime Mortgage LLC | 71 | 37 | 72 | 627 | Independent Mortgage Company |
| 30 | STOCKTON MORTGAGE CORPORATION | 71 | 23 | 70 | 532 | Independent Mortgage Company |
| 31 | SWBC MORTGAGE CORPORATION | 71 | 34 | 76 | 506 | Independent Mortgage Company |
| 32 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 71 | 22 | 77 | 419 | Independent Mortgage Company |
| 33 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 29 | 66 | 383 | Independent Mortgage Company |
| 34 | Capital City Home Loans, LLC | 68 | 44 | 46 | 822 | Independent Mortgage Company |
| 35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 63 | 17 | 73 | 3,242 | Independent Mortgage Company |
| 36 | NEW AMERICAN FUNDING, LLC | 63 | 5 | 62 | 3,205 | Independent Mortgage Company |
| 37 | MOVEMENT MORTGAGE, LLC | 63 | 8 | 70 | 2,603 | Independent Mortgage Company |
| 38 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 7 | 70 | 2,044 | Independent Mortgage Company |
| 39 | SouthState Bank, National Association | 62 | 49 | 24 | 1,005 | Bank |
| 40 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | 60 | 13 | 61 | 1,129 | Independent Mortgage Company |
| 41 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 60 | 17 | 79 | 883 | Independent Mortgage Company |
| 42 | AMERICAN PACIFIC MORTGAGE CORPORATION | 60 | 8 | 77 | 831 | Independent Mortgage Company |
| 43 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 60 | 19 | 70 | 822 | Independent Mortgage Company |
| 44 | UNION HOME MORTGAGE CORP. | 60 | 15 | 68 | 597 | Independent Mortgage Company |
| 45 | ACOPIA, LLC | 57 | 18 | 80 | 488 | Independent Mortgage Company |
| 46 | PREMIER MORTGAGE RESOURCES, L.L.C. | 44 | 16 | 39 | 294 | Independent Mortgage Company |

## 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.