Safe Rate Rankings

Best Conventional Mortgage Lenders in Marietta

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 Lenders195

Total Loans20,238

Median Rate Spread0.28%

Marietta Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked Conventional lender in Marietta, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Marietta, Navy Federal Credit Union and Victory Mortgage 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 Marietta, 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.
Popular names in Marietta: Rocket Mortgage (#2) and United Wholesale Mortgage (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Marietta

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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	$2,820Fees	0.135%Above	1,808
2	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,549Fees	0.251%Above	1,796
3	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Exceptional	$1,051Fees	0.017%Above	289
4	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$724Fees	0.553%Below	194
5	Ameris Bank BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$3,151Fees	0.173%Above	826
6	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,722Fees	0.231%Above	724
7	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,446Fees	0.144%Above	329
8	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,413Fees	0.062%Below	154
9	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$66Credit	0.055%Below	70
10	VICTORY MORTGAGE, L.L.C. Independent Mortgage CompanyDirect	Strong	Exceptional	Strong	Strong	Strong	$766Fees	0.096%Above	52
11	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Strong	$1,550Fees	0.097%Below	119
12	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,560Fees	0.175%Below	381
13	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$1,994Fees	0.021%Below	291
14	First Heritage Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Strong	$2,539Fees	0.420%Above	175
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,307Fees	0.346%Above	437
16	VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,800Fees	0.328%Above	367
17	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,644Fees	0.277%Above	330
18	SWBC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,862Fees	0.247%Above	252
19	DELTA COMMUNITY CREDIT UNION Credit UnionDirect	Strong	Exceptional	Strong	Sound	Exceptional	$2,163Fees	0.446%Below	205
20	First Federal Bank BankDirect	Strong	Strong	Strong	Sound	Strong	$1,690Fees	0.085%Above	126
21	NBKC BANK BankDirect	Strong	Exceptional	Strong	Sound	Sound	$679Fees	0.228%Below	53
22	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,182Fees	0.590%Above	326
23	Capital City Home Loans, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$1,862Fees	0.224%Above	160
24	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$1,892Fees	0.041%Above	284
25	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,232Fees	0.212%Above	273
26	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,679Fees	0.237%Above	145
27	SouthState Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Strong	$2,308Fees	0.219%Above	71
28	BANKSOUTH MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Strong	Strong	Exceptional	$3,775Fees	0.350%Above	474
29	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,565Fees	0.401%Above	130
30	ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,777Fees	0.279%Above	129
31	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Strong	$3,910Fees	0.229%Above	115
32	Heritage Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$1,872Fees	0.114%Below	112
33	Renasant Bank BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,521Fees	0.100%Above	110
34	First Horizon Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,766Fees	0.087%Above	59
35	NexBank BankWholesale	Strong	Sound*	Strong	Strong	Strong	$2,334Fees	0.241%Above	128
36	Regions Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,883Fees	0.259%Above	123
37	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,358Fees	0.219%Above	101
38	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,288Fees	0.305%Above	73
39	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,227Fees	0.174%Above	57
40	Fifth Third Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$91Fees	0.014%Below	42
41	EVERETT FINANCIAL, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,836Fees	0.669%Above	460
42	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,356Fees	0.335%Above	170
43	United Community Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,080Fees	0.388%Above	146
44	Synovus Bank BankDirect	Strong	Sound	Strong	Strong	Strong	$1,918Fees	0.038%Below	82
45	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,904Fees	0.541%Above	76
46	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$1,352Fees	0.064%Below	49
47	Alcova Mortgage LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,029Fees	0.237%Above	46
48	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$3,302Fees	0.484%Above	216
49	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$2,888Fees	0.238%Above	154
50	HOMEOWNERS FINANCIAL GROUP USA, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Strong	$4,347Fees	0.219%Above	196

❓ Frequently Asked Questions

How are mortgage lenders ranked in Marietta, GA?+

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 Marietta, GA), 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 Marietta, GA?+

Based on 2024 HMDA data, 195 lenders originated a combined 20,238 loans in Marietta, GA. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Marietta, GA?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Marietta, GA is 0.28%. 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 Marietta, GA'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.