Top Mortgage Lenders in Warner Robins, GA

Which mortgage lender in the Warner Robins, GA area typically has the best rates? To help you narrow down where to shop for a mortgage, provides an objective and data driven ranking of mortgage lenders operating in the Warner Robins, 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 Warner Robins, GA area in terms of interest rate is Ameris Bank, with an average “Rate Difference” of -0.22%. This means that, comparing similar borrowers, Ameris Bank provided a -0.22% lower interest rate for its customers than other lenders in the area. Ameris Bank has a market share of 7.3%. On the other hand, the most popular lender in the Warner Robins, GA area is Robins Financial Credit Union, with a larger market share of 11.9%. Robins Financial Credit Union is also a relatively cheap lender, with a “Rate Difference” of -0.17% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Warner Robins, 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 Warner Robins, GA is Robins Financial Credit Union. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Truist Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Ameris Bank. The cheapest VA mortgage provider is also Ameris Bank. 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 Warner Robins, GA

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Ameris Bank-0.22%(4.5)7.25%
Robins Financial Credit Union-0.17%(4.5)11.94%
Colony Bank-0.14%(4.0)3.11%
Navy Federal Credit Union-0.11%(4.0)2.75%
Crescent Mortgage Company-0.10%(4.0)1.54%
CenterState Bank-0.07%(4.0)2.38%
Triumph Bank-0.06%(4.0)1.92%
SunTrust Bank-0.06%(4.0)1.85%
Bank of America-0.05%(3.5)0.94%
GMFS Mortgage-0.04%(3.5)1.56%
PennyMac Loan Services-0.03%(3.5)1.46%
NBKC Bank-0.03%(3.5)1.00%
Renasant Bank-0.03%(3.5)2.50%
Truist Bank-0.02%(3.5)1.50%
Caliber Home Loans-0.00%(3.5)0.73%
Movement Mortgage-0.00%(3.5)0.79%
Carrington Mortgage Services0.00%(3.5)1.15%
Atlantic Bay Mortgage Group0.01%(3.5)1.48%
Towne Mortgage Company0.01%(3.5)0.94%
Synovus Bank0.01%(3.5)0.73%
Wells Fargo Bank0.01%(3.5)2.52%
Angel Oak Home Loans0.02%(3.5)0.69%
First Federal Bank of Florida0.03%(3.5)4.17%
Vanderbilt Mortgage0.07%(3.0)0.79%
Fairway Independent Mortgage Corporation0.08%(3.0)3.77%
Freedom Mortgage Corporation0.09%(3.0)0.71%
Quicken Loans0.09%(3.0)11.19%
Planters First Bank0.12%(3.0)2.17%
Mr. Cooper0.13%(3.0)1.29%
Guild Mortgage Company0.14%(3.0)7.73%
New American Funding0.15%(2.5)6.75%
HomeStar Financial0.18%(2.5)3.17%
Lender NameRate DifferenceRate RatingMarket Share
Ameris Bank-0.25%(4.5)8.45%
Colony Bank-0.15%(4.5)3.32%
Robins Financial Credit Union-0.13%(4.0)11.23%
Navy Federal Credit Union-0.12%(4.0)3.35%
Crescent Mortgage Company-0.11%(4.0)1.93%
Bank of America-0.08%(4.0)0.77%
Triumph Bank-0.08%(4.0)2.04%
CenterState Bank-0.08%(4.0)2.33%
SunTrust Bank-0.07%(4.0)1.67%
GMFS Mortgage-0.05%(3.5)1.67%
Wells Fargo Bank-0.04%(3.5)2.44%
NBKC Bank-0.03%(3.5)1.02%
Renasant Bank-0.03%(3.5)2.81%
Truist Bank-0.02%(3.5)1.28%
Movement Mortgage-0.01%(3.5)1.05%
Atlantic Bay Mortgage Group0.00%(3.5)1.76%
Towne Mortgage Company0.00%(3.5)1.05%
Synovus Bank0.01%(3.5)0.91%
Angel Oak Home Loans0.02%(3.5)0.88%
Caliber Home Loans0.02%(3.5)0.43%
Freedom Mortgage Corporation0.03%(3.5)0.17%
First Federal Bank of Florida0.03%(3.5)4.34%
PennyMac Loan Services0.03%(3.5)0.48%
Mr. Cooper0.03%(3.5)0.34%
Carrington Mortgage Services0.05%(3.0)0.26%
Vanderbilt Mortgage0.07%(3.0)1.05%
Fairway Independent Mortgage Corporation0.08%(3.0)4.82%
Quicken Loans0.10%(3.0)5.39%
Planters First Bank0.13%(3.0)2.41%
Guild Mortgage Company0.14%(3.0)9.82%
New American Funding0.16%(2.5)8.65%
HomeStar Financial0.18%(2.5)4.14%
Lender NameRate DifferenceRate RatingMarket Share
Robins Financial Credit Union-0.24%(4.5)13.90%
Colony Bank-0.10%(4.0)2.51%
Ameris Bank-0.06%(4.0)3.93%
PennyMac Loan Services-0.05%(3.5)4.16%
CenterState Bank-0.03%(3.5)2.51%
SunTrust Bank-0.03%(3.5)2.36%
Truist Bank-0.02%(3.5)2.12%
Renasant Bank-0.02%(3.5)1.65%
GMFS Mortgage-0.02%(3.5)1.26%
NBKC Bank-0.02%(3.5)0.94%
Caliber Home Loans-0.02%(3.5)1.57%
Carrington Mortgage Services-0.00%(3.5)3.61%
Synovus Bank-0.00%(3.5)0.24%
First Federal Bank of Florida0.00%(3.5)3.69%
Triumph Bank0.01%(3.5)1.57%
New American Funding0.01%(3.5)1.49%
Crescent Mortgage Company0.01%(3.5)0.47%
Bank of America0.01%(3.5)1.41%
Guild Mortgage Company0.02%(3.5)1.96%
Movement Mortgage0.02%(3.5)0.08%
Navy Federal Credit Union0.02%(3.5)1.10%
Vanderbilt Mortgage0.03%(3.5)0.08%
Atlantic Bay Mortgage Group0.03%(3.5)0.71%
Towne Mortgage Company0.03%(3.5)0.63%
Fairway Independent Mortgage Corporation0.04%(3.5)0.86%
HomeStar Financial0.05%(3.0)0.47%
Angel Oak Home Loans0.08%(3.0)0.16%
Quicken Loans0.10%(3.0)27.26%
Planters First Bank0.10%(3.0)1.49%
Freedom Mortgage Corporation0.11%(3.0)2.20%
Wells Fargo Bank0.14%(3.0)2.75%
Mr. Cooper0.16%(2.5)3.93%
Lender NameRate DifferenceRate RatingMarket Share
Robins Financial Credit Union-0.16%(4.5)24.76%
Colony Bank-0.08%(4.0)2.64%
SunTrust Bank-0.06%(4.0)2.29%
Ameris Bank-0.04%(3.5)5.36%
Bank of America-0.04%(3.5)1.73%
CenterState Bank-0.04%(3.5)2.38%
GMFS Mortgage-0.02%(3.5)2.55%
Carrington Mortgage Services-0.02%(3.5)0.26%
Truist Bank-0.02%(3.5)2.42%
Triumph Bank-0.00%(3.5)1.86%
Angel Oak Home Loans0.00%(3.5)0.61%
Renasant Bank0.01%(3.5)3.20%
Crescent Mortgage Company0.02%(3.5)0.13%
Freedom Mortgage Corporation0.02%(3.5)0.04%
Synovus Bank0.02%(3.5)1.34%
PennyMac Loan Services0.02%(3.5)0.26%
Wells Fargo Bank0.02%(3.5)4.41%
Movement Mortgage0.02%(3.5)0.65%
Towne Mortgage Company0.02%(3.5)0.65%
NBKC Bank0.04%(3.5)0.43%
Atlantic Bay Mortgage Group0.04%(3.5)0.95%
Caliber Home Loans0.04%(3.5)0.17%
New American Funding0.05%(3.5)3.15%
First Federal Bank of Florida0.06%(3.0)6.74%
Vanderbilt Mortgage0.06%(3.0)0.22%
Fairway Independent Mortgage Corporation0.06%(3.0)3.37%
HomeStar Financial0.12%(3.0)1.73%
Planters First Bank0.13%(3.0)2.38%
Quicken Loans0.14%(3.0)12.32%
Mr. Cooper0.18%(2.5)0.95%
Navy Federal Credit Union0.18%(2.5)1.60%
Guild Mortgage Company0.19%(2.5)4.97%
Lender NameRate DifferenceRate RatingMarket Share
Robins Financial Credit Union-0.13%(4.0)25.29%
Colony Bank-0.09%(4.0)3.07%
Bank of America-0.09%(4.0)1.40%
SunTrust Bank-0.06%(4.0)2.11%
Ameris Bank-0.05%(4.0)6.00%
Wells Fargo Bank-0.04%(3.5)4.47%
CenterState Bank-0.04%(3.5)1.72%
GMFS Mortgage-0.03%(3.5)2.75%
Truist Bank-0.02%(3.5)2.04%
Angel Oak Home Loans-0.01%(3.5)0.77%
Triumph Bank-0.01%(3.5)1.72%
Renasant Bank0.01%(3.5)3.51%
Synovus Bank0.01%(3.5)1.85%
Towne Mortgage Company0.01%(3.5)0.64%
Movement Mortgage0.02%(3.5)0.96%
Caliber Home Loans0.02%(3.5)0.13%
PennyMac Loan Services0.03%(3.5)0.06%
Mr. Cooper0.03%(3.5)0.26%
Crescent Mortgage Company0.03%(3.5)0.06%
Atlantic Bay Mortgage Group0.03%(3.5)1.09%
NBKC Bank0.04%(3.5)0.51%
New American Funding0.04%(3.5)4.41%
Vanderbilt Mortgage0.05%(3.0)0.32%
Fairway Independent Mortgage Corporation0.06%(3.0)4.41%
First Federal Bank of Florida0.07%(3.0)7.47%
HomeStar Financial0.12%(3.0)2.23%
Quicken Loans0.14%(3.0)6.07%
Planters First Bank0.14%(3.0)2.36%
Navy Federal Credit Union0.19%(2.5)2.11%
Guild Mortgage Company0.20%(2.5)6.64%
Lender NameRate DifferenceRate RatingMarket Share
Robins Financial Credit Union-0.23%(4.5)23.66%
Colony Bank-0.06%(4.0)1.74%
SunTrust Bank-0.04%(3.5)2.67%
Ameris Bank-0.03%(3.5)4.01%
CenterState Bank-0.02%(3.5)3.74%
Truist Bank-0.01%(3.5)3.21%
Renasant Bank-0.01%(3.5)2.54%
GMFS Mortgage-0.01%(3.5)2.14%
Carrington Mortgage Services-0.00%(3.5)0.80%
Synovus Bank-0.00%(3.5)0.27%
First Federal Bank of Florida0.00%(3.5)5.21%
Triumph Bank0.01%(3.5)2.14%
Crescent Mortgage Company0.02%(3.5)0.27%
NBKC Bank0.03%(3.5)0.27%
Bank of America0.03%(3.5)2.41%
New American Funding0.03%(3.5)0.53%
PennyMac Loan Services0.03%(3.5)0.67%
Freedom Mortgage Corporation0.03%(3.5)0.13%
Towne Mortgage Company0.05%(3.5)0.67%
Guild Mortgage Company0.05%(3.5)1.47%
Atlantic Bay Mortgage Group0.05%(3.0)0.67%
Navy Federal Credit Union0.06%(3.0)0.53%
HomeStar Financial0.06%(3.0)0.67%
Fairway Independent Mortgage Corporation0.07%(3.0)1.20%
Caliber Home Loans0.08%(3.0)0.27%
Angel Oak Home Loans0.09%(3.0)0.27%
Planters First Bank0.12%(3.0)2.41%
Quicken Loans0.15%(3.0)25.40%
Wells Fargo Bank0.16%(2.5)4.28%
Mr. Cooper0.23%(2.5)2.41%
Lender NameRate DifferenceRate RatingMarket Share
Ameris Bank-0.41%(5.0)9.76%
Triumph Bank-0.20%(4.5)2.10%
Colony Bank-0.20%(4.5)2.10%
CenterState Bank-0.18%(4.5)2.92%
First Federal Bank of Florida-0.16%(4.5)2.19%
Crescent Mortgage Company-0.15%(4.0)2.92%
GMFS Mortgage-0.11%(4.0)1.19%
Renasant Bank-0.10%(4.0)1.92%
SunTrust Bank-0.09%(4.0)1.46%
Atlantic Bay Mortgage Group-0.07%(4.0)2.65%
Movement Mortgage-0.04%(3.5)1.19%
Bank of America-0.03%(3.5)0.46%
Carrington Mortgage Services-0.02%(3.5)2.28%
Quicken Loans-0.01%(3.5)13.50%
Towne Mortgage Company-0.01%(3.5)2.10%
PennyMac Loan Services-0.01%(3.5)0.73%
Navy Federal Credit Union0.00%(3.5)0.18%
Truist Bank0.00%(3.5)0.09%
Caliber Home Loans0.01%(3.5)0.91%
Freedom Mortgage Corporation0.03%(3.5)0.73%
Angel Oak Home Loans0.03%(3.5)1.37%
Vanderbilt Mortgage0.08%(3.0)1.46%
Fairway Independent Mortgage Corporation0.09%(3.0)6.39%
Mr. Cooper0.10%(3.0)2.46%
Planters First Bank0.11%(3.0)2.01%
Guild Mortgage Company0.12%(3.0)13.78%
HomeStar Financial0.17%(2.5)6.02%
New American Funding0.26%(2.0)11.68%
Lender NameRate DifferenceRate RatingMarket Share
Ameris Bank-0.43%(5.0)11.23%
Colony Bank-0.21%(4.5)2.40%
Triumph Bank-0.20%(4.5)2.51%
CenterState Bank-0.19%(4.5)3.38%
First Federal Bank of Florida-0.17%(4.5)2.51%
Crescent Mortgage Company-0.16%(4.5)3.27%
GMFS Mortgage-0.11%(4.0)1.42%
SunTrust Bank-0.11%(4.0)1.42%
Renasant Bank-0.11%(4.0)2.29%
Atlantic Bay Mortgage Group-0.08%(4.0)2.84%
Movement Mortgage-0.04%(3.5)1.42%
Bank of America-0.04%(3.5)0.55%
Towne Mortgage Company-0.01%(3.5)2.40%
Caliber Home Loans-0.00%(3.5)0.76%
Navy Federal Credit Union-0.00%(3.5)0.22%
Freedom Mortgage Corporation-0.00%(3.5)0.33%
Truist Bank0.00%(3.5)0.11%
PennyMac Loan Services0.01%(3.5)0.33%
Angel Oak Home Loans0.03%(3.5)1.64%
Carrington Mortgage Services0.04%(3.5)0.65%
Mr. Cooper0.04%(3.5)0.55%
Quicken Loans0.04%(3.5)7.31%
Vanderbilt Mortgage0.08%(3.0)1.74%
Fairway Independent Mortgage Corporation0.09%(3.0)7.63%
Planters First Bank0.10%(3.0)2.40%
Guild Mortgage Company0.13%(3.0)15.59%
HomeStar Financial0.17%(2.5)7.09%
New American Funding0.27%(2.0)13.41%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.05%(3.5)45.25%
Carrington Mortgage Services-0.02%(3.5)10.61%
Ameris Bank-0.02%(3.5)2.23%
PennyMac Loan Services-0.01%(3.5)2.79%
Atlantic Bay Mortgage Group-0.00%(3.5)1.68%
Guild Mortgage Company0.00%(3.5)4.47%
Colony Bank0.01%(3.5)0.56%
CenterState Bank0.01%(3.5)0.56%
Towne Mortgage Company0.01%(3.5)0.56%
SunTrust Bank0.02%(3.5)1.68%
First Federal Bank of Florida0.02%(3.5)0.56%
Crescent Mortgage Company0.02%(3.5)1.12%
New American Funding0.03%(3.5)2.79%
Caliber Home Loans0.05%(3.5)1.68%
HomeStar Financial0.05%(3.5)0.56%
Freedom Mortgage Corporation0.06%(3.0)2.79%
Mr. Cooper0.13%(3.0)12.29%
Lender NameRate DifferenceRate RatingMarket Share
Truist Bank-0.01%(3.5)25.00%
Quicken Loans-0.00%(3.5)6.25%
Synovus Bank-0.00%(3.5)25.00%
SunTrust Bank0.00%(3.5)18.75%
Renasant Bank0.01%(3.5)12.50%
First Federal Bank of Florida0.01%(3.5)6.25%
GMFS Mortgage0.02%(3.5)6.25%
Lender NameRate DifferenceRate RatingMarket Share
Truist Bank-0.01%(3.5)33.33%
Synovus Bank-0.00%(3.5)25.00%
SunTrust Bank0.00%(3.5)16.67%
Renasant Bank0.00%(3.5)8.33%
First Federal Bank of Florida0.01%(3.5)8.33%
GMFS Mortgage0.02%(3.5)8.33%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.01%(3.5)25.00%
Synovus Bank0.00%(3.5)25.00%
SunTrust Bank0.00%(3.5)25.00%
Renasant Bank0.00%(3.5)25.00%
Lender NameRate DifferenceRate RatingMarket Share
Ameris Bank-0.23%(4.5)8.53%
Navy Federal Credit Union-0.22%(4.5)6.78%
Colony Bank-0.17%(4.5)4.74%
Crescent Mortgage Company-0.07%(4.0)2.84%
Renasant Bank-0.05%(3.5)1.68%
NBKC Bank-0.05%(3.5)2.77%
PennyMac Loan Services-0.04%(3.5)4.08%
Triumph Bank-0.04%(3.5)1.90%
SunTrust Bank-0.03%(3.5)1.24%
Caliber Home Loans-0.03%(3.5)1.53%
Truist Bank-0.01%(3.5)0.80%
Movement Mortgage-0.01%(3.5)0.73%
Wells Fargo Bank-0.00%(3.5)1.38%
GMFS Mortgage0.01%(3.5)0.15%
CenterState Bank0.01%(3.5)1.97%
Angel Oak Home Loans0.01%(3.5)0.29%
Carrington Mortgage Services0.01%(3.5)1.75%
Towne Mortgage Company0.02%(3.5)0.51%
First Federal Bank of Florida0.05%(3.5)1.38%
Vanderbilt Mortgage0.06%(3.0)1.24%
Atlantic Bay Mortgage Group0.06%(3.0)1.46%
Mr. Cooper0.08%(3.0)0.95%
New American Funding0.09%(3.0)8.97%
Guild Mortgage Company0.09%(3.0)7.65%
Freedom Mortgage Corporation0.10%(3.0)1.82%
Fairway Independent Mortgage Corporation0.11%(3.0)2.41%
Planters First Bank0.12%(3.0)1.97%
Quicken Loans0.12%(3.0)7.51%
HomeStar Financial0.22%(2.5)3.35%
Lender NameRate DifferenceRate RatingMarket Share
Ameris Bank-0.25%(4.5)9.81%
Navy Federal Credit Union-0.24%(4.5)8.06%
Colony Bank-0.18%(4.5)4.56%
Crescent Mortgage Company-0.07%(4.0)3.59%
Renasant Bank-0.05%(3.5)2.14%
NBKC Bank-0.05%(3.5)2.72%
SunTrust Bank-0.04%(3.5)1.07%
Triumph Bank-0.04%(3.5)2.14%
Wells Fargo Bank-0.01%(3.5)1.55%
Truist Bank-0.01%(3.5)0.78%
Movement Mortgage-0.00%(3.5)0.87%
GMFS Mortgage0.01%(3.5)0.19%
CenterState Bank0.01%(3.5)2.33%
Towne Mortgage Company0.02%(3.5)0.49%
Angel Oak Home Loans0.02%(3.5)0.39%
Mr. Cooper0.02%(3.5)0.29%
First Federal Bank of Florida0.04%(3.5)1.17%
Caliber Home Loans0.04%(3.5)0.58%
PennyMac Loan Services0.04%(3.5)1.26%
Freedom Mortgage Corporation0.05%(3.0)0.29%
Carrington Mortgage Services0.06%(3.0)0.29%
Vanderbilt Mortgage0.07%(3.0)1.55%
Atlantic Bay Mortgage Group0.07%(3.0)1.84%
Quicken Loans0.07%(3.0)2.72%
Guild Mortgage Company0.10%(3.0)9.61%
New American Funding0.10%(3.0)10.97%
Fairway Independent Mortgage Corporation0.12%(3.0)3.01%
Planters First Bank0.13%(3.0)2.52%
HomeStar Financial0.23%(2.5)4.47%
Lender NameRate DifferenceRate RatingMarket Share
Colony Bank-0.15%(4.0)5.26%
Ameris Bank-0.12%(4.0)4.68%
PennyMac Loan Services-0.08%(4.0)12.57%
Caliber Home Loans-0.07%(4.0)4.39%
NBKC Bank-0.05%(3.5)2.92%
New American Funding-0.03%(3.5)2.92%
Guild Mortgage Company-0.03%(3.5)1.75%
Truist Bank-0.02%(3.5)0.88%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.58%
Crescent Mortgage Company-0.01%(3.5)0.58%
Navy Federal Credit Union-0.01%(3.5)2.92%
SunTrust Bank-0.01%(3.5)1.75%
Carrington Mortgage Services-0.01%(3.5)6.14%
Renasant Bank-0.01%(3.5)0.29%
Movement Mortgage-0.00%(3.5)0.29%
Vanderbilt Mortgage0.00%(3.5)0.29%
Triumph Bank0.01%(3.5)1.17%
Planters First Bank0.01%(3.5)0.29%
Atlantic Bay Mortgage Group0.02%(3.5)0.29%
Towne Mortgage Company0.02%(3.5)0.58%
CenterState Bank0.02%(3.5)0.88%
Wells Fargo Bank0.04%(3.5)0.88%
First Federal Bank of Florida0.06%(3.0)2.05%
Mr. Cooper0.09%(3.0)2.92%
Freedom Mortgage Corporation0.09%(3.0)6.43%
Quicken Loans0.13%(3.0)21.93%

* Data is compiled for the Warner Robins, GA commuting zone area, which comprises of counties of Bibb County, GA, Crawford County, GA, Houston County, GA, Jones County, GA, Monroe County, GA, Peach County, GA, Taylor County, GA, and Twiggs County, GA. This includes cities/towns/communities of Warner Robins, GA as well as Macon, GA, Perry, GA, Byron, GA, Forsyth, GA, Gray, GA, Culloden, GA, Fort Valley, GA, Macon, GA, Perry, GA, Knoxville, GA, Jeffersonville, GA, Butler, GA, Reynolds, GA, and Allentown, 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

This page contains information about the top mortgage lenders in the Warner Robins, GA area. For mortgage lender rankings in other cities, click here.