# Best FHA Mortgage Lenders in Valdosta, GA

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

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

> **Canonical URL:** https://saferate.com/valdosta-ga/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:** 28
- **Total Loans:** 1,294
- **Median Rate Spread:** 0.20655555555555555%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 108 | Independent Mortgage Company |
| 2 | BANKSOUTH MORTGAGE COMPANY, LLC | 88 | 41 | 87 | 85 | Independent Mortgage Company |
| 3 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 33 | Independent Mortgage Company |
| 4 | Ameris Bank | 83 | 50 | 78 | 201 | Bank |
| 5 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 128 | Independent Mortgage Company |
| 6 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 110 | Independent Mortgage Company |
| 7 | COLONY BANK | 79 | 55 | 81 | 24 | Bank |
| 8 | Synovus Bank | 74 | 68 | 66 | 17 | Bank |
| 9 | Renasant Bank | 73 | 51 | 79 | 26 | Bank |
| 10 | Flagstar Bank, N.A. | 73 | 58 | 71 | 19 | Bank |
| 11 | STOCKTON MORTGAGE CORPORATION | 66 | 28 | 67 | 24 | Independent Mortgage Company |
| 12 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 38 | 79 | 14 | Independent Mortgage Company |
| 13 | GUILD MORTGAGE COMPANY LLC | 66 | 29 | 80 | 13 | Independent Mortgage Company |
| 14 | CROSSCOUNTRY MORTGAGE, LLC | 56 | 19 | 69 | 18 | Independent Mortgage Company |
| 15 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 57 | 21 | 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 Valdosta, GA.

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.