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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 VA 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 | 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 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,175 | +0.190% | 4,440 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,837 | +0.193% | 1,807 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $739 | -0.483% | 1,780 | |
6 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,377 | -0.472% | 770 | |
7 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $772 | -0.177% | 319 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,648 | +0.165% | 1,970 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,987 | +0.009% | 1,954 | |
10 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,505 | +0.286% | 1,526 | |
11 | First Federal Bank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,649 | -0.010% | 458 | |
12 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,666 | +0.280% | 2,603 | |
13 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,474 | +0.113% | 1,962 | |
14 | Renasant Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,111 | +0.178% | 1,064 | |
15 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,134 | +0.225% | 1,019 | |
16 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $2,321 | +0.144% | 1,005 | |
17 | United Community Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,219 | +0.458% | 1,000 | |
18 | Synovus Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,220 | +0.059% | 893 | |
19 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,316 | +0.799% | 803 | |
20 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,569 | +0.398% | 736 | |
21 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $294 | -0.060% | 445 | |
22 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,087 | +0.644% | 376 | |
23 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,617 | +0.428% | 374 | |
24 | FirstBank | Exceptional | Strong | Strong | Exceptional | Strong | $2,238 | +0.288% | 292 | |
25 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,013 | -0.016% | 2,166 | |
26 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | $959 | +0.057% | 1,612 | |
27 | Flagstar Bank, N.A. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,823 | +0.364% | 1,161 | |
28 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,225 | +0.217% | 725 | |
29 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,573 | -0.105% | 592 | |
30 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,936 | +0.289% | 512 | |
31 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,796 | +0.310% | 506 | |
32 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,015 | +0.336% | 419 | |
33 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,805 | +0.214% | 399 | |
34 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,911 | +0.448% | 360 | |
35 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,205 | +0.286% | 13,981 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,676 | +0.426% | 3,242 | |
37 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Exceptional | $2,123 | +0.025% | 1,450 | |
38 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $3,041 | +0.339% | 842 | |
39 | COLONY BANK | Strong | Sound | Strong | Strong | Exceptional | $2,178 | +0.290% | 610 | |
40 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,355 | +0.503% | 599 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,100 | +0.255% | 564 | |
42 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,626 | +0.258% | 451 | |
43 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,578 | +0.337% | 354 | |
44 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,370 | +0.362% | 310 | |
45 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,325 | +0.493% | 3,330 | |
46 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,012 | +0.316% | 2,399 | |
47 | BANKSOUTH MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,153 | +0.252% | 2,119 | |
48 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,060 | +0.556% | 2,044 | |
49 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,148 | +0.327% | 883 | |
50 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,690 | +0.508% | 585 |
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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