Data-driven picks for Georgia buyers
Buying a home in Georgia? Whether you’re exploring affordable suburbs outside Atlanta, competing in fast-growing metro areas like Savannah or Macon, or seeking a lakeside retreat near Lake Lanier or Lake Oconee, the mortgage process can be anything but straightforward. Choosing the right lender could make all the difference.
To help buyers make smarter choices, we analyzed closed-loan data from hundreds of thousands of loans across 56 different lenders operating in Georgia. Our sample included 30-year fixed, conventional primary home purchase loans. You can see the full TrueRate analysis. These aren’t teaser quotes or advertised rates—this data reflects the real rates and fees buyers locked in.
Each lender listed below consistently outperformed the state median on pricing, while also offering competitive products and solid borrower support. We also categorized lenders to help you find the right fit—whether you’re a first-time buyer, looking for a digital-first experience, or need something more specialized.
Tomo Mortgage
Why it stands out
Ok, we’re a little biased, but the numbers speak for themselves—low rates, no lender fees, better reviews. Tomo Mortgage was founded in 2025 by former Zillow execs who saw what was broken in the mortgage industry (think bait-and-switch, inflated rates, a black box of confusing fees) and set out to fix it. It was ranked Best Online Lender 2025 by Bankrate, earning strong customer reviews, and is backed by major financial services companies.
Having the lowest rates also means Tomo Mortgage can be more upfront and transparent about its rates and fees. You can get personalized rates online without applying or speaking to a sales rep. Its rate tool includes a slider that shows how your monthly payment changes with and without points—something most lenders won’t show unless you’ve already started the loan process. That level of visibility puts Tomo borrowers in control from the start.
Read full review: Tomo Mortgage
What borrowers say
“I almost went with a different lender at first but ended up going to Tomo and I’m glad I did… 10/10”
“Loan advisory team was remarkably responsive… stayed engaged until the very end.”
“Because of Tomo’s low APRs… it gets a perfect 5 out of 5 stars for affordability.”
Robins Financial Credit Union
Why it stands out
Robins Financial Credit Union (Robins FCU) is a member-owned, not-for-profit cooperative headquartered in Georgia. It serves members across the region with a strong commitment to personalized service, financial education, and community support. As a direct mortgage lender, Robins Financial offers a wide range of home financing solutions designed to meet the needs of first-time buyers, experienced homeowners, and investors — and historically offers some of the lowest rates in the market.
What borrowers say
Robins Federal Credit Union has a strong institutional reputation, including an A+ BBB rating, but mortgage-specific reviews trend mixed to negative in public forums. Common complaints include communication gaps and slow processing.
Alliant Credit Union
Why it stands out
Alliant Credit Union is a digital, member-owned, nonprofit financial institution headquartered in Chicago, serving 800,000+ members nationwide. As an online-only lender, Alliant offers a broad range of mortgage solutions with a focus on affordability, variety, and convenience. Our TrueRate model shows Alliant historically prices below typical market rates. Bankrate rates Alliant 4.7/5.
Read full review: Alliant Credit Union
What borrowers say
Alliant is often praised for affordability and digital convenience, though some Trustpilot reviews cite customer service and escrow/servicing issues.
Credit Union 1
Why it stands out
Credit Union 1 is a member-owned, not-for-profit cooperative and direct mortgage lender headquartered in Lombard, Illinois. Serving roughly 89,000 members, its footprint includes northern and central Illinois, northwest Indiana, Nevada, and Georgia. Historically aggressive on rate, its lender fees tend to be higher than average.
What borrowers say
Third-party reviews are mixed: some borrowers cite competitive pricing, while others report communication delays and slow processing timelines.
Other Big Mortgage Lenders in Georgia
Rocket Mortgage and Ameris Bank originated billions in Georgia loans last year, but they didn’t appear in our closed-loan dataset used for ranking. We reviewed HMDA volume and spot-checked public rate sources for context. These aren’t directly comparable to our ranked lenders, but they’re useful reference points when shopping broadly.
Rocket Mortgage
Originated $4.4B+ in Georgia home loans in 2024 across roughly 16,000+ loans (avg. loan size ~$283k). Mix includes both purchase and refinance activity, with strong digital application and processing tools shoppers often compare across the broader market.
Ameris Bank
Originated just under $2B across 5,000+ Georgia loans in 2024 (avg. ~$402k). Mix: ~91% purchase, ~9% refi. Per our TrueRate dataset, Ameris’ historical pricing trends about 0.18% below the state median—saving about $943 after the first year vs. a median-priced lender and a little over $6,000 over 10 years.
Compared with Tomo Mortgage, however, that gap widens: a borrower choosing Ameris over Tomo would pay an estimated $1,634 more after one year and $5,000+ over ten years. Even small rate differences add up meaningfully.
Quick Comparison Summary
| Lender | Pick | HQ | Interest Rates (historical) | Lender Fees | Notable Programs / Notes | Website | Full Review |
|---|---|---|---|---|---|---|---|
| Tomo Mortgage | Best overall (low rates) | New York, NY | ~0.30% below median | $0 | Bankrate “Best Online Lender 2025”; transparent online quotes; no refi currently | tomo.com | Read full review |
| Robins Financial Credit Union | Best local credit union | Warner Robins, GA | ~0.50% below median | ~$1,205 | Member-owned; community focus; historically strong pricing | robinsfcu.org | Read full review |
| Alliant Credit Union | Best for low down payment loans | Chicago, IL | ~0.31% below median | ~$950 | Digital-first; broad product menu; below-median pricing | alliantcreditunion.org | Read full review |
| Credit Union 1 | Best for extra-savvy homebuyers | Lombard, IL | ~0.54% below median | ~$1,599 | Aggressive rate posture; higher-than-typical fees | creditunion1.org | Read full review |
See all reviews of Georgia Mortgage Lenders
- AimLoan
- Alameda Mortgage Corp
- Alliant Credit Union
- American Bancshares Mortgage
- Bank of Hope
- Bay Equity
- Castle and Cooke
- CrossCountry Mortgage
- Fairway Independent
- Kwik Mortgage
- Panorama Mortgage
- Security National Mortgage
- Tomo Mortgage
- Total Mortgage
- Union Home Mortgage
- Ameris Bank
- Alliant Credit Union
- Robins Financial Credit Union
- Credit Union 1