# Best VA Mortgage Lenders in Georgia

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

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

> **Canonical URL:** https://saferate.com/georgia/best-mortgage-lenders/va-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 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 11,272 | Independent Mortgage Company |
| 2 | Ameris Bank | 95 | 63 | 81 | 4,440 | Bank |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 95 | 79 | 86 | 1,807 | Independent Mortgage Company |
| 4 | FBC MORTGAGE, LLC | 95 | 85 | 87 | 490 | Independent Mortgage Company |
| 5 | FREEDOM MORTGAGE CORPORATION | 89 | 61 | 63 | 1,970 | Independent Mortgage Company |
| 6 | PENNYMAC LOAN SERVICES, LLC | 89 | 61 | 62 | 1,954 | Independent Mortgage Company |
| 7 | GUARANTEED RATE, INC. | 89 | 79 | 70 | 1,526 | Independent Mortgage Company |
| 8 | TRAILBLAZER MORTGAGE L.L.C. | 89 | 99 | 62 | 770 | Independent Mortgage Company |
| 9 | NBKC BANK | 89 | 91 | 75 | 319 | Bank |
| 10 | MOVEMENT MORTGAGE, LLC | 88 | 45 | 81 | 2,603 | Independent Mortgage Company |
| 11 | NAVY FEDERAL CREDIT UNION | 88 | 91 | 59 | 1,780 | Credit Union |
| 12 | Renasant Bank | 88 | 59 | 83 | 1,064 | Bank |
| 13 | Prosperity Home Mortgage, LLC | 85 | 64 | 73 | 1,019 | Independent Mortgage Company |
| 14 | SouthState Bank, National Association | 85 | 73 | 68 | 1,005 | Bank |
| 15 | United Community Bank | 85 | 71 | 70 | 1,000 | Bank |
| 16 | Synovus Bank | 85 | 80 | 72 | 893 | Bank |
| 17 | INSPIRE HOME LOANS INC. | 85 | 66 | 78 | 803 | Independent Mortgage Company |
| 18 | KIND LENDING, LLC | 85 | 64 | 67 | 736 | Independent Mortgage Company |
| 19 | U.S. Bank National Association | 85 | 71 | 65 | 445 | Bank |
| 20 | AMERICAN FINANCIAL NETWORK, INC. | 85 | 75 | 63 | 376 | Independent Mortgage Company |
| 21 | GUARANTEED RATE AFFINITY, LLC | 85 | 65 | 72 | 374 | Independent Mortgage Company |
| 22 | FirstBank | 85 | 66 | 82 | 292 | Bank |
| 23 | LOANDEPOT.COM, LLC | 83 | 53 | 69 | 2,166 | Independent Mortgage Company |
| 24 | JPMorgan Chase Bank, National Association | 83 | 75 | 54 | 1,962 | Bank |
| 25 | Flagstar Bank, N.A. | 83 | 56 | 68 | 1,161 | Bank |
| 26 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 725 | Independent Mortgage Company |
| 27 | First Heritage Mortgage, LLC | 83 | 52 | 90 | 512 | Independent Mortgage Company |
| 28 | SWBC MORTGAGE CORPORATION | 83 | 45 | 85 | 506 | Independent Mortgage Company |
| 29 | First Federal Bank | 83 | 92 | 58 | 458 | Bank |
| 30 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 83 | 48 | 82 | 419 | Independent Mortgage Company |
| 31 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 83 | 56 | 81 | 399 | Independent Mortgage Company |
| 32 | TOWNE MORTGAGE COMPANY | 83 | 44 | 87 | 360 | Independent Mortgage Company |
| 33 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 13,981 | Independent Mortgage Company |
| 34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 33 | 83 | 3,242 | Independent Mortgage Company |
| 35 | Truist Bank | 79 | 71 | 60 | 1,612 | Bank |
| 36 | NEWREZ LLC | 79 | 47 | 63 | 842 | Independent Mortgage Company |
| 37 | COLONY BANK | 79 | 54 | 77 | 610 | Bank |
| 38 | Paramount Residential Mortgage Group, Inc. | 79 | 40 | 71 | 599 | Independent Mortgage Company |
| 39 | USAA Federal Savings Bank | 79 | 62 | 58 | 592 | Bank |
| 40 | MUTUAL OF OMAHA MORTGAGE, INC. | 79 | 46 | 60 | 564 | Independent Mortgage Company |
| 41 | THE LOAN STORE, INC. | 79 | 51 | 75 | 451 | Independent Mortgage Company |
| 42 | Plains Commerce Bank | 79 | 46 | 66 | 354 | Bank |
| 43 | PLAZA HOME MORTGAGE, INC. | 79 | 42 | 63 | 310 | Independent Mortgage Company |
| 44 | Wells Fargo Bank, National Association | 77 | 53 | 55 | 1,450 | Bank |
| 45 | Mortgage Research Center, LLC | 75 | 34 | 61 | 3,330 | Independent Mortgage Company |
| 46 | GUILD MORTGAGE COMPANY LLC | 75 | 22 | 77 | 2,399 | Independent Mortgage Company |
| 47 | BANKSOUTH MORTGAGE COMPANY, LLC | 75 | 33 | 87 | 2,119 | Independent Mortgage Company |
| 48 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 32 | 71 | 2,044 | Independent Mortgage Company |
| 49 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 33 | 85 | 883 | Independent Mortgage Company |
| 50 | FIRST COMMUNITY MORTGAGE, INC. | 75 | 39 | 83 | 585 | 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.