# Best FHA Mortgage Lenders in Macon

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

Compare the top FHA mortgage lenders in Macon. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/macon/best-mortgage-lenders/fha-loans


> **📋 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 | FBC MORTGAGE, LLC | 89 | 77 | 82 | 46 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 144 | Independent Mortgage Company |
| 3 | GMFS LLC | 85 | 68 | 77 | 34 | Independent Mortgage Company |
| 4 | Cadence Bank | 85 | 71 | 69 | 29 | Bank |
| 5 | EMM LOANS LLC | 83 | 44 | 67 | 103 | Independent Mortgage Company |
| 6 | INSPIRE HOME LOANS INC. | 83 | 53 | 75 | 92 | Independent Mortgage Company |
| 7 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 270 | Independent Mortgage Company |
| 8 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 80 | 28 | 84 | 85 | Independent Mortgage Company |
| 9 | Flagstar Bank, N.A. | 79 | 58 | 71 | 36 | Bank |
| 10 | COLONY BANK | 79 | 55 | 81 | 34 | Bank |
| 11 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 14 | Independent Mortgage Company |
| 12 | Prosperity Home Mortgage, LLC | 79 | 63 | 72 | 11 | Independent Mortgage Company |
| 13 | Ameris Bank | 73 | 50 | 78 | 28 | Bank |
| 14 | FIRST COLONY MORTGAGE CORPORATION | 73 | 56 | 80 | 24 | Independent Mortgage Company |
| 15 | LOANDEPOT.COM, LLC | 73 | 59 | 68 | 24 | Independent Mortgage Company |
| 16 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 22 | Independent Mortgage Company |
| 17 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 71 | Independent Mortgage Company |
| 18 | CANOPY MORTGAGE, LLC | 71 | 21 | 70 | 45 | Independent Mortgage Company |
| 19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 70 | 20 | 82 | 24 | Independent Mortgage Company |
| 20 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 70 | 22 | 82 | 13 | Independent Mortgage Company |
| 21 | Mortgage Research Center, LLC | 66 | 34 | 54 | 74 | Independent Mortgage Company |
| 22 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 14 | Independent Mortgage Company |
| 23 | PLAZA HOME MORTGAGE, INC. | 66 | 30 | 65 | 12 | Independent Mortgage Company |
| 24 | LOWER, LLC | 66 | 29 | 66 | 11 | Independent Mortgage Company |
| 25 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 18 | Independent Mortgage Company |
| 26 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 13 | Independent Mortgage Company |
| 27 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 45 | Independent Mortgage Company |
| 28 | ALAMEDA MORTGAGE CORPORATION | 59 | 18 | 81 | 10 | Independent Mortgage Company |
| 29 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | 57 | 14 | 62 | 25 | Independent Mortgage Company |
| 30 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 71 | Independent Mortgage Company |
| 31 | ROYAL UNITED MORTGAGE LLC | 49 | 5 | 54 | 14 | Independent Mortgage Company |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.