Top Mortgage Lenders in the Valdosta, GA area

Which mortgage lender in the Valdosta, GA area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Valdosta, GA area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Valdosta, GA area is Navy Federal Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.09%. This means that Navy Federal Credit Union provided a -0.09% lower interest rate for its customers than other lenders in Valdosta, GA for a similar set of borrowers. Navy Federal Credit Union has a market share of 4.0%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 14.8%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.10% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Valdosta, GA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Valdosta, GA is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Home Point Financial Corporation. The cheapest VA mortgage provider is Navy Federal Credit Union. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.09% 4.00%
Wells Fargo Bank 2, -0.09% 6.72%
Home Point Financial Corporation 3, -0.09% 3.66%
Synovus Mortgage Corp 4, -0.07% 6.38%
Magnolia Bank Incorporated 5, -0.05% 5.28%
Ameris Bank 6, -0.03% 10.89%
Fairway Independent Mort Corp 7, -0.02% 8.51%
Renasant Bank 8, -0.00% 8.09%
GoPrime Mortgage Inc 9, 0.01% 3.74%
Towne Mortgage Company 10, 0.01% 2.98%
LoanDepot 11, 0.01% 2.72%
Usaa Federal Savings Bank 12, 0.03% 10.30%
Angel Oak Home Loans 13, 0.05% 11.91%
Quicken Loans 14, 0.10% 14.81%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.10% 6.35%
Home Point Financial Corporation 2, -0.10% 4.01%
Navy Federal Credit Union 3, -0.09% 4.57%
Synovus Mortgage Corp 4, -0.07% 6.90%
Magnolia Bank Incorporated 5, -0.05% 5.01%
Ameris Bank 6, -0.02% 12.25%
Fairway Independent Mort Corp 7, -0.01% 9.80%
Renasant Bank 8, 0.00% 8.91%
LoanDepot 9, 0.02% 0.33%
GoPrime Mortgage Inc 10, 0.02% 4.01%
Towne Mortgage Company 11, 0.02% 3.45%
Usaa Federal Savings Bank 12, 0.04% 12.36%
Angel Oak Home Loans 13, 0.06% 13.36%
Quicken Loans 14, 0.13% 8.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.07% 2.17%
Usaa Federal Savings Bank 2, -0.06% 3.61%
Fairway Independent Mort Corp 3, -0.06% 4.33%
Wells Fargo Bank 4, -0.06% 7.94%
Synovus Mortgage Corp 5, -0.04% 4.69%
Magnolia Bank Incorporated 6, -0.04% 6.14%
Home Point Financial Corporation 7, -0.02% 2.53%
Ameris Bank 8, -0.02% 6.50%
Renasant Bank 9, -0.02% 5.42%
GoPrime Mortgage Inc 10, -0.01% 2.89%
Towne Mortgage Company 11, -0.01% 1.44%
LoanDepot 12, -0.01% 10.47%
Angel Oak Home Loans 13, -0.00% 7.22%
Quicken Loans 14, 0.06% 34.66%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.10% 13.10%
Synovus Mortgage Corp 2, -0.07% 8.06%
Fairway Independent Mort Corp 3, -0.04% 8.87%
Ameris Bank 4, -0.03% 9.27%
GoPrime Mortgage Inc 5, -0.02% 3.43%
Usaa Federal Savings Bank 6, -0.02% 2.62%
LoanDepot 7, -0.01% 1.21%
Towne Mortgage Company 8, 0.01% 3.83%
Renasant Bank 9, 0.01% 9.88%
Magnolia Bank Incorporated 10, 0.02% 3.63%
Angel Oak Home Loans 11, 0.02% 13.10%
Home Point Financial Corporation 12, 0.02% 2.22%
Navy Federal Credit Union 13, 0.02% 2.02%
Quicken Loans 14, 0.11% 18.75%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.12% 13.44%
Synovus Mortgage Corp 2, -0.08% 9.06%
Ameris Bank 3, -0.03% 10.62%
Fairway Independent Mort Corp 4, -0.03% 10.00%
GoPrime Mortgage Inc 5, -0.03% 3.44%
Usaa Federal Savings Bank 6, 0.01% 2.81%
Towne Mortgage Company 7, 0.02% 4.69%
Magnolia Bank Incorporated 8, 0.02% 3.12%
Angel Oak Home Loans 9, 0.03% 15.31%
Renasant Bank 10, 0.03% 11.25%
Navy Federal Credit Union 11, 0.04% 2.81%
Home Point Financial Corporation 12, 0.05% 2.19%
Quicken Loans 13, 0.16% 11.25%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.07% 6.82%
Wells Fargo Bank 2, -0.07% 12.50%
Usaa Federal Savings Bank 3, -0.07% 2.27%
Synovus Mortgage Corp 4, -0.04% 6.25%
Navy Federal Credit Union 5, -0.04% 0.57%
LoanDepot 6, -0.03% 3.41%
Renasant Bank 7, -0.03% 7.39%
Home Point Financial Corporation 8, -0.02% 2.27%
Towne Mortgage Company 9, -0.02% 2.27%
GoPrime Mortgage Inc 10, -0.02% 3.41%
Ameris Bank 11, -0.01% 6.82%
Angel Oak Home Loans 12, 0.00% 9.09%
Magnolia Bank Incorporated 13, 0.00% 4.55%
Quicken Loans 14, 0.07% 32.39%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Home Point Financial Corporation 1, -0.15% 7.47%
Synovus Mortgage Corp 2, -0.08% 9.25%
Magnolia Bank Incorporated 3, -0.06% 5.69%
Renasant Bank 4, -0.05% 9.96%
Ameris Bank 5, -0.03% 16.73%
Fairway Independent Mort Corp 6, -0.02% 7.83%
Navy Federal Credit Union 7, 0.01% 0.36%
Towne Mortgage Company 8, 0.03% 2.85%
GoPrime Mortgage Inc 9, 0.04% 7.47%
LoanDepot 10, 0.05% 2.49%
Quicken Loans 11, 0.06% 16.73%
Angel Oak Home Loans 12, 0.14% 13.17%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Home Point Financial Corporation 1, -0.15% 8.33%
Synovus Mortgage Corp 2, -0.08% 10.00%
Magnolia Bank Incorporated 3, -0.06% 5.83%
Renasant Bank 4, -0.05% 11.25%
Ameris Bank 5, -0.03% 17.08%
Fairway Independent Mort Corp 6, -0.02% 9.17%
LoanDepot 7, 0.01% 0.42%
Navy Federal Credit Union 8, 0.02% 0.42%
Towne Mortgage Company 9, 0.04% 3.33%
GoPrime Mortgage Inc 10, 0.04% 8.33%
Quicken Loans 11, 0.09% 10.42%
Angel Oak Home Loans 12, 0.14% 15.42%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Magnolia Bank Incorporated 1, -0.04% 4.88%
Ameris Bank 2, -0.04% 14.63%
Synovus Mortgage Corp 3, -0.04% 4.88%
Home Point Financial Corporation 4, -0.02% 2.44%
GoPrime Mortgage Inc 5, -0.01% 2.44%
Renasant Bank 6, -0.01% 2.44%
Quicken Loans 7, 0.01% 53.66%
LoanDepot 8, 0.04% 14.63%
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Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.13% 9.05%
Magnolia Bank Incorporated 2, -0.08% 7.04%
Home Point Financial Corporation 3, -0.07% 2.76%
Wells Fargo Bank 4, -0.06% 3.52%
Ameris Bank 5, -0.02% 8.79%
Towne Mortgage Company 6, -0.01% 2.01%
Synovus Mortgage Corp 7, 0.01% 2.26%
LoanDepot 8, 0.01% 4.77%
Fairway Independent Mort Corp 9, 0.01% 8.54%
Angel Oak Home Loans 10, 0.02% 9.55%
GoPrime Mortgage Inc 11, 0.03% 1.51%
Renasant Bank 12, 0.03% 4.52%
Usaa Federal Savings Bank 13, 0.03% 27.14%
Quicken Loans 14, 0.09% 8.54%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.14% 9.17%
Magnolia Bank Incorporated 2, -0.08% 6.21%
Home Point Financial Corporation 3, -0.08% 2.66%
Wells Fargo Bank 4, -0.06% 4.14%
Ameris Bank 5, -0.01% 10.36%
Towne Mortgage Company 6, -0.00% 2.37%
Synovus Mortgage Corp 7, 0.01% 2.66%
Fairway Independent Mort Corp 8, 0.01% 10.06%
LoanDepot 9, 0.02% 0.59%
Renasant Bank 10, 0.03% 5.03%
Angel Oak Home Loans 11, 0.03% 10.06%
GoPrime Mortgage Inc 12, 0.03% 1.48%
Usaa Federal Savings Bank 13, 0.04% 30.18%
Quicken Loans 14, 0.11% 5.03%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Magnolia Bank Incorporated 1, -0.06% 11.67%
Navy Federal Credit Union 2, -0.05% 8.33%
Usaa Federal Savings Bank 3, -0.05% 10.00%
Angel Oak Home Loans 4, -0.04% 6.67%
Home Point Financial Corporation 5, -0.02% 3.33%
GoPrime Mortgage Inc 6, -0.01% 1.67%
LoanDepot 7, 0.01% 28.33%
Renasant Bank 8, 0.01% 1.67%
Quicken Loans 9, 0.06% 28.33%

* Data is compiled for the Valdosta, GA commuting zone area, which comprises of counties of Berrien County, GA, Brooks County, GA, Cook County, GA, Echols County, GA, Lanier County, GA, and Lowndes County, GA. This includes cities/towns/communities of Valdosta, GA as well as Hahira, GA, Lakeland, GA, Nashville, GA, Lake Park, GA, Moody AFB, GA, Morven, GA, Adel, GA, Ray City, GA, Quitman, GA, Dasher, GA, Cecil, GA, Enigma, GA, Sparks, GA, Lenox, GA, Pavo, GA, Alapaha, GA, and Statenville, GA. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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