# Best Mortgage Lenders in Hinesville, GA

**As of:** 2026-05-22

Compare the top mortgage lenders in Hinesville, GA. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/hinesville-ga/best-mortgage-lenders


> **📋 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:** 31
- **Total Loans:** 1,664
- **Median Rate Spread:** 0.26189655172413795%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 192 | Independent Mortgage Company |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 84 | 51 | 82 | 138 | Independent Mortgage Company |
| 3 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 84 | Credit Union |
| 4 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 141 | Independent Mortgage Company |
| 5 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 65 | Independent Mortgage Company |
| 6 | Ameris Bank | 71 | 42 | 82 | 22 | Bank |
| 7 | Mortgage Research Center, LLC | 68 | 34 | 70 | 360 | Independent Mortgage Company |
| 8 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 84 | Independent Mortgage Company |
| 9 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 30 | Independent Mortgage Company |
| 10 | GUARANTEED RATE, INC. | 66 | 41 | 69 | 24 | Independent Mortgage Company |
| 11 | LoanUnited.com, LLC | 66 | 41 | 43 | 26 | Independent Mortgage Company |
| 12 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 63 | 23 | 74 | 32 | Independent Mortgage Company |
| 13 | NEW AMERICAN FUNDING, LLC | 62 | 22 | 60 | 148 | Independent Mortgage Company |
| 14 | MOVEMENT MORTGAGE, LLC | 62 | 32 | 84 | 34 | Independent Mortgage Company |
| 15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 27 | Independent Mortgage Company |
| 16 | USAA Federal Savings Bank | 60 | 54 | 45 | 21 | Bank |
| 17 | Plains Commerce Bank | 58 | 37 | 67 | 21 | Bank |
| 18 | Equity Prime Mortgage LLC | 58 | 20 | 66 | 21 | Independent Mortgage Company |
| 19 | NEW DAY FINANCIAL, LLC | 36 | 5 | 26 | 21 | 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 Hinesville, GA.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.