10 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.
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Atlanta mortgage lenders cater to a massive real estate market that's home to the employees of more than a dozen Fortune 500 companies, including Home Depot, UPS, Coca-Cola and Delta Air Lines. In a city with diverse and growing employment, national mortgage makers, regional players and online lenders vie for the business of a broad array of home buyers. NerdWallet has researched the offerings of the leading mortgage providers by loan volume in Atlanta and picked the best in different borrower categories. We dug even deeper and found top local lenders as well.
Atlanta mortgage lenders cater to a massive real estate market that's home to the employees of more than a dozen Fortune 500 companies, including Home Depot, UPS, Coca-Cola and Delta Air Lines. In a city with diverse and growing employment, national mortgage makers, regional players and online lenders vie for the business of a broad array of home buyers. NerdWallet has researched the offerings of the leading mortgage providers by loan volume in Atlanta and picked the best in different borrower categories. We dug even deeper and found top local lenders as well.
Best Atlanta Mortgage Lenders
Lender | NerdWallet rating | Min. credit score | Min. down payment | Learn more |
---|---|---|---|---|
![]() New American Funding: NMLS#6606 Learn more at New American Funding | Best for borrowers with nontraditional credit | 620 | 3% | Learn more at New American Funding |
Quicken Loans: NMLS#3030 Learn more at Quicken Loans | Best for mobile experience | 620 | 3% | Learn more at Quicken Loans |
![]() Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | Best for a wide selection of loan products | 620 | 3% | Learn more at Fairway Independent Mortgage |
![]() loanDepot: NMLS#174457 | Best for customer service | 620 | 5% | Read review |
![]() SunTrust (Truist): NMLS#2915 | Best for first-time home buyers | 620 | 3% | Read review |
![]() Navy Federal: NMLS#399807 | Best for military-connected borrowers | N/A | 0% | Read review |
![]() Caliber: NMLS#15622 | Best for first-time home buyers | 620 | 3% | Read review |
![]() Guild Mortgage: NMLS#3274 | Best for borrowers needing down payment assistance | 620 | 3% | Read review |
![]() Bank of America: NMLS#399802 | Best for in-person service | 660 | 5% | Read review |
![]() Flagstar: NMLS#417490 | Best for refinancing | 620 | N/A | Read review |

at New American Funding
New American Funding: NMLS#6606

Min. credit score
620Min. down payment
3%at New American Funding
at Quicken Loans
Quicken Loans: NMLS#3030
Min. credit score
620Min. down payment
3%at Quicken Loans

at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. credit score
620Min. down payment
3%at Fairway Independent Mortgage
loanDepot: NMLS#174457

Min. credit score
620Min. down payment
5%SunTrust (Truist): NMLS#2915

Min. credit score
620Min. down payment
3%Navy Federal: NMLS#399807

National / regional
NationalMin. down payment
0%Caliber: NMLS#15622

Min. credit score
620Min. down payment
3%Guild Mortgage: NMLS#3274

Min. credit score
620Min. down payment
3%Bank of America: NMLS#399802

Min. credit score
660Min. down payment
5%National / regional
NationalFlagstar: NMLS#417490

Min. credit score
620National / regional
NationalLocal 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.
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.
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.
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.
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
To recap our selections...
NerdWallet's Best Atlanta Mortgage Lenders of 2021
- New American Funding: Best for borrowers with nontraditional credit
- Quicken Loans: Best for mobile experience
- Fairway Independent Mortgage: Best for a wide selection of loan products
- loanDepot: Best for customer service
- SunTrust (Truist): Best for first-time home buyers
- Navy Federal: Best for military-connected borrowers
- Caliber: Best for first-time home buyers
- Guild Mortgage: Best for borrowers needing down payment assistance
- Bank of America: Best for in-person service
- Flagstar: Best for refinancing