Safe Rate Rankings

Best Conventional Mortgage Lenders in Valdosta

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 Lenders28

Total Loans1,294

Median Rate Spread0.21%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$722Fees	0.491%Below	40
2	Ameris BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,648Fees	0.123%Above	201
3	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,484Fees	0.164%Above	15
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,764Fees	0.397%Above	128
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,247Fees	0.131%Below	108
6	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,798Fees	0.625%Above	13
7	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,867Fees	0.533%Above	110
8	COLONY BANKBank	Strong	Sound	Strong	Strong	Strong	$1,524Fees	0.464%Above	24
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,805Fees	0.206%Above	16
10	Synovus BankBank	Strong	Sound	Strong	Strong	Sound	$2,390Fees	0.229%Above	17
11	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,076Fees	0.056%Below	26
12	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$693Fees	0.468%Above	24
13	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,966Fees	0.531%Above	18
14	BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$3,463Fees	0.194%Above	85

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.