Safe Rate Rankings

Best All Lender Mortgage Lenders in Warner Robins

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 Lenders51

Total Loans2,806

Median Rate Spread0.26%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ROBINS FINANCIALCredit Union	Exceptional	Strong	Strong	Exceptional	$1,647Fees	0.233%Below	147
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$1,160Fees	0.441%Below	86
3	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	$1,938Credit	0.399%Above	46
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,050Fees	0.115%Below	195
5	COLONY BANKBank	Strong	Sound	Exceptional	Exceptional	$1,661Fees	0.314%Above	117
6	Synovus BankBank	Strong	Sound	Strong	Exceptional	$1,864Fees	0.076%Below	92
7	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,847Fees	0.017%Below	37
8	Truist BankBank	Strong	Strong	Strong	Sound	$2,624Fees	0.088%Above	27
9	ServisFirst BankBank	Strong	Sound	Exceptional	Strong	$390Fees	0.017%Below	26
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,706Fees	0.256%Above	349
11	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,380Fees	0.489%Above	238
12	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,595Fees	0.387%Above	173
13	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$563Fees	0.670%Above	54
14	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,917Fees	0.336%Above	52
15	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,208Fees	0.114%Above	47
16	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,543Fees	0.482%Above	40
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,789Fees	0.208%Below	38
18	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$1,507Fees	0.053%Below	28
19	Ameris BankBank	Strong	Sound	Exceptional	Sound	$2,636Fees	0.122%Above	27
20	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,463Fees	0.484%Above	213
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,297Fees	0.672%Above	52
22	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$1,646Fees	0.221%Below	46
23	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,814Fees	0.210%Above	42
24	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$5,016Fees	0.306%Above	61
25	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,857Fees	0.476%Above	46
26	LoanUnited.com, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$2,570Fees	0.424%Below	27
27	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,380Fees	0.322%Above	20
28	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,281Fees	0.455%Above	84
29	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,571Fees	0.357%Above	29
30	EMM LOANS LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,068Fees	0.415%Above	25
31	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Acceptable	Sound	$3,554Fees	1.328%Above	26

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.