# Best Mortgage Lenders in Macon

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

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

> **Canonical URL:** https://saferate.com/macon/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:** 48
- **Total Loans:** 1,852
- **Median Rate Spread:** 0.40425%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | ROBINS FINANCIAL | 86 | 78 | 77 | 101 | Credit Union |
| 2 | FBC MORTGAGE, LLC | 86 | 60 | 83 | 46 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 144 | Independent Mortgage Company |
| 4 | INSPIRE HOME LOANS INC. | 78 | 43 | 75 | 92 | Independent Mortgage Company |
| 5 | COLONY BANK | 78 | 48 | 81 | 34 | Bank |
| 6 | GMFS LLC | 78 | 53 | 85 | 34 | Independent Mortgage Company |
| 7 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 270 | Independent Mortgage Company |
| 8 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 74 | 25 | 90 | 85 | Independent Mortgage Company |
| 9 | Synovus Bank | 73 | 56 | 65 | 29 | Bank |
| 10 | Cadence Bank | 73 | 47 | 73 | 29 | Bank |
| 11 | Truist Bank | 73 | 70 | 68 | 20 | Bank |
| 12 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 30 | Credit Union |
| 13 | Ameris Bank | 71 | 42 | 82 | 28 | Bank |
| 14 | FIRST COLONY MORTGAGE CORPORATION | 71 | 42 | 84 | 24 | Independent Mortgage Company |
| 15 | EMM LOANS LLC | 68 | 31 | 77 | 103 | Independent Mortgage Company |
| 16 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 71 | Independent Mortgage Company |
| 17 | Renasant Bank | 68 | 38 | 81 | 31 | Bank |
| 18 | LOANDEPOT.COM, LLC | 66 | 48 | 76 | 24 | Independent Mortgage Company |
| 19 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 22 | Independent Mortgage Company |
| 20 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 21 | Bank |
| 21 | Mortgage Research Center, LLC | 63 | 34 | 70 | 74 | Independent Mortgage Company |
| 22 | CANOPY MORTGAGE, LLC | 63 | 21 | 70 | 45 | Independent Mortgage Company |
| 23 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 45 | Independent Mortgage Company |
| 24 | Flagstar Bank, N.A. | 63 | 40 | 76 | 36 | Bank |
| 25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 24 | Independent Mortgage Company |
| 26 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 71 | Independent Mortgage Company |
| 27 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 22 | Independent Mortgage Company |
| 28 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | 50 | 13 | 61 | 25 | Independent Mortgage Company |
| 29 | United Bank | 50 | 23 | 39 | 23 | Bank |

## 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 Macon.

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.