Safe Rate Rankings

Best Conventional Mortgage Lenders in Macon

Updated May 22, 2026

⚖️ 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 Lenders48

Total Loans1,852

Median Rate Spread0.40%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ROBINS FINANCIALCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,400Fees	0.277%Below	101
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,045Fees	0.154%Below	30
3	GMFS LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,929Fees	0.248%Above	34
4	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,988Fees	0.455%Above	20
5	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,387Fees	0.297%Above	12
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,448Fees	0.515%Above	270
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,830Fees	0.165%Above	144
8	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,266Fees	0.534%Above	85
9	Cadence BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,496Fees	0.179%Above	29
10	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,621Fees	0.031%Above	21
11	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,257Fees	0.464%Above	103
12	COLONY BANKBank	Strong	Sound	Strong	Strong	Strong	$2,868Fees	0.312%Above	34
13	Synovus BankBank	Strong	Sound	Strong	Strong	Strong	$2,160Fees	0.117%Below	29
14	Ameris BankBank	Strong	Sound	Exceptional	Strong	Sound	$3,058Fees	0.400%Above	28
15	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,420Fees	0.117%Above	24
16	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,714Fees	0.446%Above	18
17	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,660Fees	0.305%Above	12
18	CREDIT UNION FINANCIAL SERVICES, LLCIndependent Mortgage Company	Strong	Strong	Sound	Strong	Sound	$1,224Fees	0.472%Below	10
19	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$2,224Fees	0.538%Above	92
20	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,355Fees	0.701%Above	71
21	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,891Fees	0.821%Above	45
22	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,070Fees	0.618%Above	36
23	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,409Fees	0.493%Above	31
24	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,230Fees	0.069%Above	22
25	Capital City Home Loans, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$2,392Fees	0.924%Above	16
26	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,304Fees	0.325%Above	10
27	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,933Fees	0.711%Above	71
28	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,604Fees	0.441%Above	45
29	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,530Fees	0.595%Above	24
30	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,912Fees	0.249%Above	24
31	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,882Fees	0.874%Above	22
32	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,306Fees	0.558%Above	16
33	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,990Fees	0.303%Above	13
34	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,718Fees	0.291%Above	13
35	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$1,334Fees	0.559%Above	74
36	United BankBank	Sound	Acceptable	Sound	Sound	Strong	$2,758Fees	0.223%Above	23
37	ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$2,421Fees	1.360%Above	14
38	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Acceptable	Sound	$4,078Fees	0.192%Above	13
39	SOUTHEAST MORTGAGE OF GEORGIA, INC.Independent Mortgage Company	Sound	Mediocre	Sound	Sound	Strong	$2,759Fees	0.656%Above	25

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

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.