Safe Rate Rankings

Best Conventional Mortgage Lenders in Georgia

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders379

Total Loans137,043

Median Rate Spread0.33%

Georgia Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked Conventional lender in Georgia, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Georgia, Navy Federal Credit Union and Provident Funding Associates LP scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 in Georgia, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Rocket Mortgage ranks #3 in Georgia, the nation's largest lender by volume.

Explore Rankings by Type

Overall Rankings

All lenders in Georgia

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Acceptable*	Exceptional	Exceptional	Exceptional	$2,909Fees	0.131%Above	11,272
2	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Exceptional	Exceptional	Exceptional	Sound	Exceptional	$739Fees	0.483%Below	1,780
3	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,205Fees	0.286%Above	13,981
4	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Exceptional	$959Fees	0.057%Above	1,612
5	ROBINS FINANCIAL Credit UnionDirect	Strong	Strong	Strong	Strong	Strong	$1,735Fees	0.258%Below	355
6	Ameris Bank BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$3,175Fees	0.190%Above	4,440
7	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,609Fees	0.151%Below	926
8	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$294Fees	0.060%Below	445
9	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,474Fees	0.113%Above	1,962
10	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Strong	$1,478Fees	0.097%Below	719
11	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,666Fees	0.280%Above	2,603
12	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,013Fees	0.016%Below	2,166
13	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Exceptional	$2,123Fees	0.025%Above	1,450
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,676Fees	0.426%Above	3,242
15	SouthState Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,321Fees	0.144%Above	1,005
16	First Heritage Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Strong	$2,936Fees	0.289%Above	512
17	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,012Fees	0.316%Above	2,399
18	VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,837Fees	0.193%Above	1,807
19	DELTA COMMUNITY CREDIT UNION Credit UnionDirect	Strong	Exceptional	Strong	Sound	Exceptional	$2,355Fees	0.437%Below	929
20	NBKC BANK BankDirect	Strong	Exceptional	Strong	Sound	Strong	$772Fees	0.177%Below	319
21	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,505Fees	0.286%Above	1,526
22	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Exceptional	$2,823Fees	0.364%Above	1,161
23	Renasant Bank BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Exceptional	$3,111Fees	0.178%Above	1,064
24	Synovus Bank BankDirect	Strong	Sound	Strong	Strong	Exceptional	$2,220Fees	0.059%Above	893
25	Capital City Home Loans, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Exceptional	$2,167Fees	0.305%Above	822
26	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,225Fees	0.217%Above	725
27	First Federal Bank BankDirect	Strong	Strong	Strong	Sound	Strong	$1,649Fees	0.010%Below	458
28	FirstBank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$2,238Fees	0.288%Above	292
29	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,060Fees	0.556%Above	2,044
30	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Exceptional	$1,987Fees	0.009%Above	1,954
31	Regions Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,457Fees	0.228%Above	1,121
32	ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,148Fees	0.327%Above	883
33	COLONY BANK BankDirect	Strong	Sound	Strong	Strong	Exceptional	$2,178Fees	0.290%Above	610
34	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,690Fees	0.508%Above	585
35	SWBC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,796Fees	0.310%Above	506
36	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,805Fees	0.214%Above	399
37	First Horizon Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,274Fees	0.112%Above	303
38	Cadence Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$2,624Fees	0.116%Above	282
39	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,041Fees	0.463%Above	3,205
40	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,134Fees	0.225%Above	1,019
41	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Strong	$3,100Fees	0.255%Above	564
42	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,626Fees	0.258%Above	451
43	TOWNE MORTGAGE COMPANY Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,911Fees	0.448%Above	360
44	BANKSOUTH MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Strong	Strong	Exceptional	$4,153Fees	0.252%Above	2,119
45	United Community Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,219Fees	0.458%Above	1,000
46	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,683Fees	0.464%Above	597
47	NexBank BankWholesale	Strong	Sound*	Strong	Strong	Strong	$2,261Fees	0.300%Above	563
48	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,015Fees	0.336%Above	419
49	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$3,041Fees	0.339%Above	842
50	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,392Fees	0.449%Above	740

❓ Frequently Asked Questions

How are mortgage lenders ranked in Georgia?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Georgia), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Georgia?+

Based on 2024 HMDA data, 379 lenders originated a combined 137,043 loans in Georgia. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Georgia?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Georgia is 0.33%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Georgia's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.