Best mortgage lenders in Georgia
No lender is best for everyone, so this page ranks Georgia lenders on what federal records can measure: who makes the most loans here, who leads for FHA and VA, and what their Georgia borrowers paid. All figures are 2025 HMDA data; no lender pays to be listed.
Who leads for what in Georgia
"Most loans" and "Largest average loan" are among the 15 lenders with the most Georgia originations in 2025 (the latter counts lenders with at least 300 loans in the state); FHA and VA leaders count every lender's home-purchase loans.
The 15 lenders that made the most home loans in Georgia
| # | Lender | Type | Loans | FHA | VA | Avg loan | Approval* |
|---|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | Nonbank lender | 21,182 | 17.4% | 10.7% | $248,737 | 79.6% |
| 2 | United Wholesale Mortgage | Nonbank lender | 17,047 | 24.0% | 20.2% | $352,854 | 85.0% |
| 3 | Ameris Bank | — | 5,627 | 14.0% | 6.5% | $354,554 | 87.3% |
| 4 | PennyMac | Nonbank lender | 5,272 | 25.5% | 17.3% | $296,041 | 81.5% |
| 5 | Navy Federal Credit Union | Credit union | 5,118 | 0.0% | 18.7% | $186,804 | 61.0% |
| 6 | Truist | Bank | 4,837 | 1.8% | 0.8% | $328,370 | 54.2% |
| 7 | loanDepot | Nonbank lender | 4,168 | 32.1% | 9.7% | $245,448 | 69.8% |
| 8 | Veterans United | Nonbank lender | 4,139 | 3.1% | 92.9% | $314,558 | 68.8% |
| 9 | New American Funding | Nonbank lender | 4,063 | 39.7% | 13.8% | $252,330 | 83.0% |
| 10 | Freedom Mortgage | Nonbank lender | 3,946 | 41.0% | 51.3% | $324,911 | 82.3% |
| 11 | Guild Mortgage | Nonbank lender | 3,788 | 41.4% | 15.7% | $268,311 | 93.1% |
| 12 | CrossCountry Mortgage | Nonbank lender | 3,633 | 32.3% | 11.7% | $344,970 | 91.9% |
| 13 | Fairway Independent Mortgage | Nonbank lender | 3,631 | 25.7% | 7.9% | $332,849 | 94.9% |
| 14 | Bank of America | Bank | 3,440 | 0.5% | 0.1% | $284,991 | 50.7% |
| 15 | United Community Bank | — | 3,186 | 4.0% | 1.1% | $235,897 | 74.4% |
Source: 2025 HMDA originations, FFIEC/CFPB. FHA/VA = share of each lender's Georgia loans. *Approval = originated ÷ (originated + denied); it mirrors a lender's channel and borrower mix, not how hard it is to qualify.
Also among the 25 lenders with the most HMDA filings here: Newrez, Chase, AmeriHome Mortgage Company, LLC, 21st Mortgage Corporation, Vanderbilt Mortgage And Finance, Inc., Regions Bank, Mr. Cooper, Delta Community Credit Union, Planet Home Lending, AmeriSave Mortgage.
FHA lenders in Georgia
30,743 FHA home-purchase loans were made in Georgia in 2025 by 362 lenders. The typical FHA buyer here paid $11,918 in loan costs, including the 1.75% upfront mortgage insurance premium, at a median rate of 6.125%. The ten lenders that made the most:
| # | Lender | FHA purchases | Share | Loan costs | APR vs benchmark |
|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 2,542 | 8.3% | $12,372 | +0.39 |
| 2 | Rocket Mortgage | 1,550 | 5.0% | $11,443 | +0.30 |
| 3 | Guild Mortgage | 1,474 | 4.8% | $12,884 | +0.40 |
| 4 | DHI Mortgage | 1,364 | 4.4% | $9,274 | −1.21 |
| 5 | New American Funding | 1,208 | 3.9% | $12,723 | +0.60 |
| 6 | CrossCountry Mortgage | 928 | 3.0% | $13,134 | +0.61 |
| 7 | Fairway Independent Mortgage | 824 | 2.7% | $12,364 | +0.68 |
| 8 | loanDepot | 788 | 2.6% | $11,884 | −0.23 |
| 9 | Ameris Bank | 743 | 2.4% | $11,592 | +0.27 |
| 10 | Supreme Lending | 701 | 2.3% | $15,215 | +0.92 |
| All Georgia FHA buyers | 30,743 | 100% | $11,918 | +0.38 |
Among them, DHI Mortgage had the lowest median loan costs ($9,274) and Supreme Lending the highest ($15,215) — $5,941 apart on similar loans, which is why a second Loan Estimate is worth getting. Homebuilder-owned lenders can show far-below-market APRs because builders pay to buy down the rate on their own new homes.
Source: 2025 HMDA loan-level records (FFIEC/CFPB), first-lien FHA home purchases in Georgia. Costs and APR vs benchmark are medians of each lender's 30-year fixed loans here; "—" = fewer than 30. How we measured this.
VA lenders in Georgia
15,881 VA home-purchase loans were made in Georgia in 2025 by 317 lenders. The typical VA buyer here paid $6,354 in loan costs (including the VA funding fee for borrowers who owe it) at a median rate of 6.24%. The ten lenders that made the most:
| # | Lender | VA purchases | Share | Loan costs | APR vs benchmark |
|---|---|---|---|---|---|
| 1 | Veterans United | 3,229 | 20.3% | $4,299 | −0.17 |
| 2 | United Wholesale Mortgage | 903 | 5.7% | $5,080 | −0.37 |
| 3 | Rocket Mortgage | 714 | 4.5% | $8,816 | −0.36 |
| 4 | Navy Federal Credit Union | 705 | 4.4% | $4,527 | −0.59 |
| 5 | DHI Mortgage | 573 | 3.6% | $6,124 | −1.70 |
| 6 | Guild Mortgage | 561 | 3.5% | $9,208 | −0.26 |
| 7 | New American Funding | 433 | 2.7% | $9,832 | −0.06 |
| 8 | Ameris Bank | 336 | 2.1% | $8,178 | −0.47 |
| 9 | CrossCountry Mortgage | 321 | 2.0% | $4,931 | −0.25 |
| 10 | Movement Mortgage | 307 | 1.9% | $8,952 | −0.44 |
| All Georgia VA buyers | 15,881 | 100% | $6,354 | −0.33 |
Among them, Veterans United had the lowest median loan costs ($4,299) and New American Funding the highest ($9,832) — $5,533 apart, though VA costs also depend on how many of a lender's borrowers are exempt from the funding fee.
Source: 2025 HMDA loan-level records (FFIEC/CFPB), first-lien VA home purchases in Georgia. Costs and APR vs benchmark are medians of each lender's 30-year fixed loans here; "—" = fewer than 30. Data notes and limits.
How concentrated is the Georgia market?
1,186 institutions reported Georgia home-loan records for 2025 — the 5th-most of any state. The single most active lender accounts for 6.3% of all records and the top five for 20.3%, the 13th-least concentrated market of 51. With volume spread across many lenders, there is plenty of room to shop beyond the biggest names.
How to choose a lender in Georgia
Georgia borrowers took FHA loans 18.6% of the time and VA loans 11.9% (U.S. 13.2% and 8.2%). Every Georgia county uses the $832,750 conforming limit, so loans above it are jumbo and priced separately.
Get Loan Estimates from three or more lenders in the same two-week window (one credit inquiry) and compare APRs. For down-payment help, ask whether they are approved for Georgia DCA's Georgia Dream or Peach Select Veterans Assistance — only participating lenders can offer them (terms and sources).
Georgia lender FAQ
Who is the biggest mortgage lender in Georgia?
By 2025 federal HMDA data, Rocket Mortgage originated the most home loans in Georgia — about 21,182, or 8.7% of the state's originations.
Which lender makes the most FHA loans in Georgia?
United Wholesale Mortgage made the most FHA home-purchase loans in Georgia in 2025 — 2,542, or 8.3% of the 30,743 FHA purchases made by 362 lenders. Rocket Mortgage (1,550) was second.
Which lender makes the most VA loans in Georgia?
Veterans United made the most VA home-purchase loans in Georgia in 2025 (3,229, 20.3% of the state's VA purchases). VA loans were 11.9% of Georgia originations, the 10th-highest VA share among the states.
How much are closing costs on an FHA loan in Georgia?
The typical Georgia FHA buyer in 2025 paid $11,918 in total loan costs on a median $305,000 loan — lender fees, required third-party services and the 1.75% upfront mortgage insurance premium, per the Closing Disclosure.
That figure excludes recording taxes, prepaid interest and insurance, escrow deposits and the down payment.
Rankings are editorial and independent, built from public federal data — no lender pays to be listed. This is general information, not a recommendation or personalized advice. Confirm all terms directly with the lender.
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