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9 Best Atlanta Mortgage Lenders of 2021

Atlanta mortgage lenders serve a massive real estate market. NerdWallet has narrowed the field to the best lenders for borrowers of varying needs.

Last updated on January 26, 2021
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NerdWallet's mortgage content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in home lending. Their work has appeared in The Associated Press, USA Today, The Washington Post, MarketWatch, Newsweek and many other national, regional and local publications. They have been cited in publications including The Wall Street Journal, and appeared on NerdWallet's "Smart Money" podcast as well as local TV and radio.

9 Best Atlanta Mortgage Lenders of 2021

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Lender
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NerdWallet Rating
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Min. credit score
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Min. down payment
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New American Funding

New American Funding: NMLS#6606

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at New American Funding
4.5
/5
Home loans overall
Best for borrowers with nontraditional credit

580

N/A

Learn more
at New American Funding
Fairway Independent Mortgage

Fairway Independent Mortgage: NMLS#2289

Learn more
at Fairway Independent Mortgage
3.0
/5
Home loans overall
Best for a wide selection of loan products

620

3%

Learn more
at Fairway Independent Mortgage
loanDepot

loanDepot: NMLS#174457

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on NerdWallet
4.0
/5
Home loans overall
Best for customer service

620

3%

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on NerdWallet
SunTrust (Truist)

SunTrust (Truist): NMLS#2915

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on NerdWallet
4.5
/5
Home loans overall
Best for first-time home buyers

620

3%

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on NerdWallet
Navy Federal

Navy Federal: NMLS#399807

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5.0
/5
Home loans overall
Best for military-connected borrowers

N/A

0%

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on NerdWallet
Caliber

Caliber: NMLS#15622

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3.0
/5
Home loans overall
Best for first-time home buyers

620

3%

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on NerdWallet
Guild Mortgage

Guild Mortgage: NMLS#3274

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4.0
/5
Home loans overall
Best for borrowers needing down payment assistance

N/A

3%

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on NerdWallet
Bank of America

Bank of America: NMLS#399802

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4.5
/5
Home loans overall
Best for in-person service

660

5%

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on NerdWallet
Flagstar

Flagstar: NMLS#417490

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4.5
/5
Refinancing
Best for refinancing

N/A

3%

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on NerdWallet

» MORE: See the best Georgia mortgage lenders

Local mortgage lenders in Atlanta

If you want to include a local lender or two in your search for the best mortgage, these Atlanta lenders are among the highest-volume mortgage underwriters in the city, though they have not been reviewed by NerdWallet.

Fidelity Bank Mortgage

  • Established in 1974 and claims to be the largest community bank in metro Atlanta.

  • Services home loans after closing, rather than selling them off to a third party to collect.

  • Offers a first-time home buyer grant for down payment and closing-cost assistance.

BankSouth Mortgage

  • Based in Buckhead, with branches throughout Georgia.

  • A mobile app allows you to apply for a mortgage, scan documents and track your loan status.

  • Offers conventional loans, as well as all government-backed mortgages and construction/renovation loans.

Homestar Financial

  • A Georgia-born lender with about 80 branch offices in the Southeast.

  • A wide variety of loan offerings, including 203(k) renovation loans, jumbos and government-backed mortgages, in addition to conventional loans.

  • Jumbo loans available for up to $5 million on nearly all property types, including first and second homes.

Southeast Mortgage

  • Claims to be the largest nonbank lender in Georgia.

  • Processing, underwriting and document preparation are all based in Atlanta.

  • Seven offices across Georgia, with four in Atlanta and another eight offices in surrounding states.

More from NerdWallet

Last updated on January 26, 2021

Methodology

NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.

To recap our selections...

NerdWallet's Best Atlanta Mortgage Lenders of 2021

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