Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,160Fees	0.441%Below	86
2	ROBINS FINANCIALCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,647Fees	0.233%Below	147
3	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,624Fees	0.088%Above	27
4	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$3,170Fees	0.146%Above	11
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,706Fees	0.256%Above	349
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,050Fees	0.115%Below	195
7	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,595Fees	0.387%Above	173
8	COLONY BANKBank	Strong	Sound	Strong	Strong	Exceptional	$1,661Fees	0.314%Above	117
9	Synovus BankBank	Strong	Sound	Strong	Strong	Exceptional	$1,864Fees	0.076%Below	92
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,543Fees	0.482%Above	40
11	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,507Fees	0.053%Below	28
12	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,380Fees	0.489%Above	238
13	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,814Fees	0.210%Above	42
14	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,789Fees	0.208%Below	38
15	Ameris BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,636Fees	0.122%Above	27
16	ServisFirst BankBank	Strong	Sound	Strong	Strong	Strong	$390Fees	0.017%Below	26
17	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$2,769Fees	0.298%Above	18
18	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,396Fees	0.115%Above	17
19	Cadence BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,847Fees	0.181%Above	13
20	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,297Fees	0.672%Above	52
21	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,208Fees	0.114%Above	47
22	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,857Fees	0.476%Above	46
23	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,847Fees	0.017%Below	37
24	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,281Fees	0.455%Above	84
25	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$5,016Fees	0.306%Above	61
26	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$563Fees	0.670%Above	54
27	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,571Fees	0.357%Above	29
28	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,068Fees	0.415%Above	25
29	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,380Fees	0.322%Above	20
30	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,381Fees	0.083%Above	18
31	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,260Fees	0.618%Above	18
32	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,874Fees	0.411%Above	13
33	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,286Fees	1.363%Above	11
34	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Acceptable	$2,346Fees	1.008%Above	10

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.