Which mortgage lender in the Valdosta, GA area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Valdosta, GA area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the Valdosta, GA area in terms of interest rate is Navy Federal Credit Union, with an average “Rate Difference” of -0.10%. This means that, comparing similar borrowers, Navy Federal Credit Union provided a -0.10% lower interest rate for its customers than other lenders in the area. Navy Federal Credit Union has a market share of 4.3%. On the other hand, the most popular lender in the Valdosta, GA area is Quicken Loans, with a larger market share of 15.8%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.09% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in 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, going by historical data, 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. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Valdosta, GA
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.10% | 4.28% | |
| Wells Fargo Bank | -0.09% | 7.19% | |
| Home Point Financial Corporation | -0.09% | 3.92% | |
| Magnolia Bank | -0.05% | 5.56% | |
| Ameris Bank | -0.03% | 11.66% | |
| Fairway Independent Mortgage Corporation | -0.02% | 9.11% | |
| Renasant Bank | -0.01% | 8.65% | |
| GoPrime Mortgage Inc | 0.01% | 4.01% | |
| Towne Mortgage Company | 0.01% | 3.19% | |
| loanDepot | 0.01% | 2.91% | |
| USAA | 0.02% | 11.02% | |
| Angel Oak Home Loans | 0.05% | 12.75% | |
| Quicken Loans | 0.09% | 15.76% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.11% | 6.82% | |
| Home Point Financial Corporation | -0.10% | 4.31% | |
| Navy Federal Credit Union | -0.10% | 4.90% | |
| Magnolia Bank | -0.06% | 5.38% | |
| Ameris Bank | -0.03% | 13.16% | |
| Fairway Independent Mortgage Corporation | -0.01% | 10.53% | |
| Renasant Bank | -0.00% | 9.57% | |
| loanDepot | 0.01% | 0.36% | |
| GoPrime Mortgage Inc | 0.01% | 4.31% | |
| Towne Mortgage Company | 0.01% | 3.71% | |
| USAA | 0.04% | 13.28% | |
| Angel Oak Home Loans | 0.06% | 14.35% | |
| Quicken Loans | 0.12% | 9.33% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.07% | 2.29% | |
| USAA | -0.07% | 3.82% | |
| Fairway Independent Mortgage Corporation | -0.06% | 4.58% | |
| Wells Fargo Bank | -0.06% | 8.40% | |
| Magnolia Bank | -0.04% | 6.11% | |
| Home Point Financial Corporation | -0.03% | 2.67% | |
| Ameris Bank | -0.02% | 6.87% | |
| Renasant Bank | -0.02% | 5.73% | |
| GoPrime Mortgage Inc | -0.02% | 3.05% | |
| Towne Mortgage Company | -0.01% | 1.53% | |
| loanDepot | -0.01% | 11.07% | |
| Angel Oak Home Loans | -0.00% | 7.63% | |
| Quicken Loans | 0.05% | 36.26% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.11% | 14.25% | |
| Fairway Independent Mortgage Corporation | -0.05% | 9.65% | |
| Ameris Bank | -0.04% | 10.09% | |
| GoPrime Mortgage Inc | -0.03% | 3.73% | |
| USAA | -0.02% | 2.85% | |
| loanDepot | -0.01% | 1.32% | |
| Towne Mortgage Company | 0.00% | 4.17% | |
| Renasant Bank | 0.01% | 10.75% | |
| Magnolia Bank | 0.01% | 3.95% | |
| Angel Oak Home Loans | 0.01% | 14.25% | |
| Home Point Financial Corporation | 0.02% | 2.41% | |
| Navy Federal Credit Union | 0.02% | 2.19% | |
| Quicken Loans | 0.11% | 20.39% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.12% | 14.78% | |
| Ameris Bank | -0.04% | 11.68% | |
| Fairway Independent Mortgage Corporation | -0.04% | 11.00% | |
| GoPrime Mortgage Inc | -0.04% | 3.78% | |
| USAA | 0.00% | 3.09% | |
| Towne Mortgage Company | 0.02% | 5.15% | |
| Magnolia Bank | 0.02% | 3.44% | |
| Angel Oak Home Loans | 0.02% | 16.84% | |
| Renasant Bank | 0.02% | 12.37% | |
| Navy Federal Credit Union | 0.03% | 3.09% | |
| Home Point Financial Corporation | 0.04% | 2.41% | |
| Quicken Loans | 0.15% | 12.37% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | -0.07% | 7.27% | |
| Wells Fargo Bank | -0.07% | 13.33% | |
| USAA | -0.07% | 2.42% | |
| Navy Federal Credit Union | -0.05% | 0.61% | |
| loanDepot | -0.04% | 3.64% | |
| Renasant Bank | -0.03% | 7.88% | |
| Home Point Financial Corporation | -0.02% | 2.42% | |
| Towne Mortgage Company | -0.02% | 2.42% | |
| GoPrime Mortgage Inc | -0.02% | 3.64% | |
| Ameris Bank | -0.01% | 7.27% | |
| Angel Oak Home Loans | -0.00% | 9.70% | |
| Magnolia Bank | -0.00% | 4.85% | |
| Quicken Loans | 0.07% | 34.55% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Home Point Financial Corporation | -0.15% | 8.24% | |
| Magnolia Bank | -0.07% | 6.27% | |
| Renasant Bank | -0.06% | 10.98% | |
| Ameris Bank | -0.04% | 18.43% | |
| Fairway Independent Mortgage Corporation | -0.03% | 8.63% | |
| Navy Federal Credit Union | 0.00% | 0.39% | |
| Towne Mortgage Company | 0.02% | 3.14% | |
| GoPrime Mortgage Inc | 0.03% | 8.24% | |
| loanDepot | 0.05% | 2.75% | |
| Quicken Loans | 0.06% | 18.43% | |
| Angel Oak Home Loans | 0.13% | 14.51% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Home Point Financial Corporation | -0.16% | 9.26% | |
| Magnolia Bank | -0.07% | 6.48% | |
| Renasant Bank | -0.06% | 12.50% | |
| Ameris Bank | -0.03% | 18.98% | |
| Fairway Independent Mortgage Corporation | -0.02% | 10.19% | |
| loanDepot | 0.00% | 0.46% | |
| Navy Federal Credit Union | 0.01% | 0.46% | |
| Towne Mortgage Company | 0.03% | 3.70% | |
| GoPrime Mortgage Inc | 0.03% | 9.26% | |
| Quicken Loans | 0.08% | 11.57% | |
| Angel Oak Home Loans | 0.13% | 17.13% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Magnolia Bank | -0.05% | 5.13% | |
| Ameris Bank | -0.05% | 15.38% | |
| GoPrime Mortgage Inc | -0.02% | 2.56% | |
| Renasant Bank | -0.02% | 2.56% | |
| Home Point Financial Corporation | -0.02% | 2.56% | |
| Quicken Loans | 0.01% | 56.41% | |
| loanDepot | 0.04% | 15.38% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.13% | 9.30% | |
| Magnolia Bank | -0.08% | 6.98% | |
| Home Point Financial Corporation | -0.07% | 2.84% | |
| Wells Fargo Bank | -0.06% | 3.62% | |
| Ameris Bank | -0.02% | 9.04% | |
| Towne Mortgage Company | -0.01% | 2.07% | |
| loanDepot | 0.01% | 4.91% | |
| Fairway Independent Mortgage Corporation | 0.01% | 8.79% | |
| Angel Oak Home Loans | 0.02% | 9.82% | |
| GoPrime Mortgage Inc | 0.03% | 1.55% | |
| Renasant Bank | 0.03% | 4.65% | |
| USAA | 0.03% | 27.91% | |
| Quicken Loans | 0.09% | 8.53% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.14% | 9.42% | |
| Magnolia Bank | -0.08% | 6.38% | |
| Home Point Financial Corporation | -0.07% | 2.74% | |
| Wells Fargo Bank | -0.06% | 4.26% | |
| Ameris Bank | -0.01% | 10.64% | |
| Towne Mortgage Company | -0.00% | 2.43% | |
| Fairway Independent Mortgage Corporation | 0.01% | 10.33% | |
| loanDepot | 0.02% | 0.61% | |
| Renasant Bank | 0.03% | 5.17% | |
| Angel Oak Home Loans | 0.03% | 10.33% | |
| GoPrime Mortgage Inc | 0.03% | 1.52% | |
| USAA | 0.04% | 31.00% | |
| Quicken Loans | 0.11% | 5.17% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Magnolia Bank | -0.07% | 10.34% | |
| Navy Federal Credit Union | -0.05% | 8.62% | |
| USAA | -0.05% | 10.34% | |
| Angel Oak Home Loans | -0.04% | 6.90% | |
| Home Point Financial Corporation | -0.02% | 3.45% | |
| GoPrime Mortgage Inc | -0.01% | 1.72% | |
| loanDepot | 0.01% | 29.31% | |
| Renasant Bank | 0.01% | 1.72% | |
| Quicken Loans | 0.07% | 27.59% |
* 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 of the data is 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 conditional on the commuting zone, 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.
Mortgage Lender Rankings in Other Cities
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