Safe Rate Rankings

Best All Lender 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ROBINS FINANCIALCredit Union	Exceptional	Strong	Strong	Exceptional	$1,400Fees	0.277%Below	101
2	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	$526Fees	1.226%Below	46
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,830Fees	0.165%Above	144
4	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$1,045Fees	0.154%Below	30
5	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,224Fees	0.538%Above	92
6	COLONY BANKBank	Strong	Sound	Exceptional	Strong	$2,868Fees	0.312%Above	34
7	GMFS LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,929Fees	0.248%Above	34
8	Truist BankBank	Strong	Strong	Strong	Sound	$1,988Fees	0.455%Above	20
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,448Fees	0.515%Above	270
10	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,266Fees	0.534%Above	85
11	Synovus BankBank	Strong	Sound	Strong	Strong	$2,160Fees	0.117%Below	29
12	Cadence BankBank	Strong	Sound	Strong	Strong	$2,496Fees	0.179%Above	29
13	Ameris BankBank	Strong	Sound	Exceptional	Sound	$3,058Fees	0.400%Above	28
14	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$1,912Fees	0.249%Above	24
15	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$1,621Fees	0.031%Above	21
16	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,257Fees	0.464%Above	103
17	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,355Fees	0.701%Above	71
18	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	$3,409Fees	0.493%Above	31
19	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$4,420Fees	0.117%Above	24
20	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,230Fees	0.069%Above	22
21	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,334Fees	0.559%Above	74
22	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,604Fees	0.441%Above	45
23	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,891Fees	0.821%Above	45
24	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$2,070Fees	0.618%Above	36
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,530Fees	0.595%Above	24
26	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,933Fees	0.711%Above	71
27	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,882Fees	0.874%Above	22
28	SOUTHEAST MORTGAGE OF GEORGIA, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$2,759Fees	0.656%Above	25
29	United BankBank	Sound	Acceptable	Acceptable	Strong	$2,758Fees	0.223%Above	23

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.