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, MortgageWaldo.com 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
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Robins Financial Credit Union | -0.13% | 25.29% | |
| Colony Bank | -0.09% | 3.07% | |
| Bank of America | -0.09% | 1.40% | |
| SunTrust Bank | -0.06% | 2.11% | |
| Ameris Bank | -0.05% | 6.00% | |
| Wells Fargo Bank | -0.04% | 4.47% | |
| CenterState Bank | -0.04% | 1.72% | |
| GMFS Mortgage | -0.03% | 2.75% | |
| Truist Bank | -0.02% | 2.04% | |
| Angel Oak Home Loans | -0.01% | 0.77% | |
| Triumph Bank | -0.01% | 1.72% | |
| loanDepot | -0.00% | 0.89% | |
| Renasant Bank | 0.01% | 3.51% | |
| Synovus Bank | 0.01% | 1.85% | |
| Towne Mortgage Company | 0.01% | 0.64% | |
| Movement Mortgage | 0.02% | 0.96% | |
| Caliber Home Loans | 0.02% | 0.13% | |
| PennyMac Loan Services | 0.03% | 0.06% | |
| Mr. Cooper | 0.03% | 0.26% | |
| Crescent Mortgage Company | 0.03% | 0.06% | |
| Atlantic Bay Mortgage Group | 0.03% | 1.09% | |
| NBKC Bank | 0.04% | 0.51% | |
| New American Funding | 0.04% | 4.41% | |
| Vanderbilt Mortgage | 0.05% | 0.32% | |
| Fairway Independent Mortgage Corporation | 0.06% | 4.41% | |
| First Federal Bank of Florida | 0.07% | 7.47% | |
| USAA | 0.07% | 2.68% | |
| HomeStar Financial | 0.12% | 2.23% | |
| Quicken Loans | 0.14% | 6.07% | |
| Planters First Bank | 0.14% | 2.36% | |
| Navy Federal Credit Union | 0.19% | 2.11% | |
| Guild Mortgage Company | 0.20% | 6.64% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Robins Financial Credit Union | -0.23% | 23.66% | |
| Colony Bank | -0.06% | 1.74% | |
| SunTrust Bank | -0.04% | 2.67% | |
| Ameris Bank | -0.03% | 4.01% | |
| CenterState Bank | -0.02% | 3.74% | |
| Truist Bank | -0.01% | 3.21% | |
| Renasant Bank | -0.01% | 2.54% | |
| GMFS Mortgage | -0.01% | 2.14% | |
| Carrington Mortgage Services | -0.00% | 0.80% | |
| Synovus Bank | -0.00% | 0.27% | |
| First Federal Bank of Florida | 0.00% | 5.21% | |
| loanDepot | 0.01% | 2.01% | |
| Triumph Bank | 0.01% | 2.14% | |
| Crescent Mortgage Company | 0.02% | 0.27% | |
| USAA | 0.02% | 1.34% | |
| NBKC Bank | 0.03% | 0.27% | |
| Bank of America | 0.03% | 2.41% | |
| New American Funding | 0.03% | 0.53% | |
| PennyMac Loan Services | 0.03% | 0.67% | |
| Freedom Mortgage Corporation | 0.03% | 0.13% | |
| Towne Mortgage Company | 0.05% | 0.67% | |
| Guild Mortgage Company | 0.05% | 1.47% | |
| Atlantic Bay Mortgage Group | 0.05% | 0.67% | |
| Navy Federal Credit Union | 0.06% | 0.53% | |
| HomeStar Financial | 0.06% | 0.67% | |
| Fairway Independent Mortgage Corporation | 0.07% | 1.20% | |
| Caliber Home Loans | 0.08% | 0.27% | |
| Angel Oak Home Loans | 0.09% | 0.27% | |
| Planters First Bank | 0.12% | 2.41% | |
| Quicken Loans | 0.15% | 25.40% | |
| Wells Fargo Bank | 0.16% | 4.28% | |
| Mr. Cooper | 0.23% | 2.41% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Ameris Bank | -0.41% | 9.76% | |
| Triumph Bank | -0.20% | 2.10% | |
| Colony Bank | -0.20% | 2.10% | |
| CenterState Bank | -0.18% | 2.92% | |
| First Federal Bank of Florida | -0.16% | 2.19% | |
| Crescent Mortgage Company | -0.15% | 2.92% | |
| GMFS Mortgage | -0.11% | 1.19% | |
| Renasant Bank | -0.10% | 1.92% | |
| SunTrust Bank | -0.09% | 1.46% | |
| Atlantic Bay Mortgage Group | -0.07% | 2.65% | |
| Movement Mortgage | -0.04% | 1.19% | |
| Bank of America | -0.03% | 0.46% | |
| Carrington Mortgage Services | -0.02% | 2.28% | |
| Quicken Loans | -0.01% | 13.50% | |
| Towne Mortgage Company | -0.01% | 2.10% | |
| PennyMac Loan Services | -0.01% | 0.73% | |
| Navy Federal Credit Union | 0.00% | 0.18% | |
| Truist Bank | 0.00% | 0.09% | |
| Caliber Home Loans | 0.01% | 0.91% | |
| loanDepot | 0.03% | 3.47% | |
| Freedom Mortgage Corporation | 0.03% | 0.73% | |
| Angel Oak Home Loans | 0.03% | 1.37% | |
| Vanderbilt Mortgage | 0.08% | 1.46% | |
| Fairway Independent Mortgage Corporation | 0.09% | 6.39% | |
| Mr. Cooper | 0.10% | 2.46% | |
| Planters First Bank | 0.11% | 2.01% | |
| Guild Mortgage Company | 0.12% | 13.78% | |
| HomeStar Financial | 0.17% | 6.02% | |
| New American Funding | 0.26% | 11.68% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Ameris Bank | -0.43% | 11.23% | |
| Colony Bank | -0.21% | 2.40% | |
| Triumph Bank | -0.20% | 2.51% | |
| CenterState Bank | -0.19% | 3.38% | |
| First Federal Bank of Florida | -0.17% | 2.51% | |
| Crescent Mortgage Company | -0.16% | 3.27% | |
| GMFS Mortgage | -0.11% | 1.42% | |
| SunTrust Bank | -0.11% | 1.42% | |
| Renasant Bank | -0.11% | 2.29% | |
| Atlantic Bay Mortgage Group | -0.08% | 2.84% | |
| Movement Mortgage | -0.04% | 1.42% | |
| Bank of America | -0.04% | 0.55% | |
| Towne Mortgage Company | -0.01% | 2.40% | |
| Caliber Home Loans | -0.00% | 0.76% | |
| Navy Federal Credit Union | -0.00% | 0.22% | |
| Freedom Mortgage Corporation | -0.00% | 0.33% | |
| Truist Bank | 0.00% | 0.11% | |
| PennyMac Loan Services | 0.01% | 0.33% | |
| loanDepot | 0.03% | 2.62% | |
| Angel Oak Home Loans | 0.03% | 1.64% | |
| Carrington Mortgage Services | 0.04% | 0.65% | |
| Mr. Cooper | 0.04% | 0.55% | |
| Quicken Loans | 0.04% | 7.31% | |
| Vanderbilt Mortgage | 0.08% | 1.74% | |
| Fairway Independent Mortgage Corporation | 0.09% | 7.63% | |
| Planters First Bank | 0.10% | 2.40% | |
| Guild Mortgage Company | 0.13% | 15.59% | |
| HomeStar Financial | 0.17% | 7.09% | |
| New American Funding | 0.27% | 13.41% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.05% | 45.25% | |
| Carrington Mortgage Services | -0.02% | 10.61% | |
| Ameris Bank | -0.02% | 2.23% | |
| PennyMac Loan Services | -0.01% | 2.79% | |
| Atlantic Bay Mortgage Group | -0.00% | 1.68% | |
| Guild Mortgage Company | 0.00% | 4.47% | |
| Colony Bank | 0.01% | 0.56% | |
| CenterState Bank | 0.01% | 0.56% | |
| Towne Mortgage Company | 0.01% | 0.56% | |
| SunTrust Bank | 0.02% | 1.68% | |
| First Federal Bank of Florida | 0.02% | 0.56% | |
| Crescent Mortgage Company | 0.02% | 1.12% | |
| loanDepot | 0.03% | 7.82% | |
| New American Funding | 0.03% | 2.79% | |
| Caliber Home Loans | 0.05% | 1.68% | |
| HomeStar Financial | 0.05% | 0.56% | |
| Freedom Mortgage Corporation | 0.06% | 2.79% | |
| Mr. Cooper | 0.13% | 12.29% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Truist Bank | -0.01% | 25.00% | |
| Quicken Loans | -0.00% | 6.25% | |
| Synovus Bank | -0.00% | 25.00% | |
| SunTrust Bank | 0.00% | 18.75% | |
| Renasant Bank | 0.01% | 12.50% | |
| First Federal Bank of Florida | 0.01% | 6.25% | |
| GMFS Mortgage | 0.02% | 6.25% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Truist Bank | -0.01% | 33.33% | |
| Synovus Bank | -0.00% | 25.00% | |
| SunTrust Bank | 0.00% | 16.67% | |
| Renasant Bank | 0.00% | 8.33% | |
| First Federal Bank of Florida | 0.01% | 8.33% | |
| GMFS Mortgage | 0.02% | 8.33% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.01% | 25.00% | |
| Synovus Bank | 0.00% | 25.00% | |
| SunTrust Bank | 0.00% | 25.00% | |
| Renasant Bank | 0.00% | 25.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Ameris Bank | -0.23% | 8.53% | |
| Navy Federal Credit Union | -0.22% | 6.78% | |
| Colony Bank | -0.17% | 4.74% | |
| Crescent Mortgage Company | -0.07% | 2.84% | |
| Renasant Bank | -0.05% | 1.68% | |
| NBKC Bank | -0.05% | 2.77% | |
| PennyMac Loan Services | -0.04% | 4.08% | |
| Triumph Bank | -0.04% | 1.90% | |
| SunTrust Bank | -0.03% | 1.24% | |
| Caliber Home Loans | -0.03% | 1.53% | |
| Truist Bank | -0.01% | 0.80% | |
| Movement Mortgage | -0.01% | 0.73% | |
| Wells Fargo Bank | -0.00% | 1.38% | |
| GMFS Mortgage | 0.01% | 0.15% | |
| CenterState Bank | 0.01% | 1.97% | |
| Angel Oak Home Loans | 0.01% | 0.29% | |
| Carrington Mortgage Services | 0.01% | 1.75% | |
| loanDepot | 0.02% | 2.33% | |
| Towne Mortgage Company | 0.02% | 0.51% | |
| First Federal Bank of Florida | 0.05% | 1.38% | |
| USAA | 0.06% | 15.31% | |
| Vanderbilt Mortgage | 0.06% | 1.24% | |
| Atlantic Bay Mortgage Group | 0.06% | 1.46% | |
| Mr. Cooper | 0.08% | 0.95% | |
| New American Funding | 0.09% | 8.97% | |
| Guild Mortgage Company | 0.09% | 7.65% | |
| Freedom Mortgage Corporation | 0.10% | 1.82% | |
| Fairway Independent Mortgage Corporation | 0.11% | 2.41% | |
| Planters First Bank | 0.12% | 1.97% | |
| Quicken Loans | 0.12% | 7.51% | |
| HomeStar Financial | 0.22% | 3.35% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Ameris Bank | -0.25% | 9.81% | |
| Navy Federal Credit Union | -0.24% | 8.06% | |
| Colony Bank | -0.18% | 4.56% | |
| Crescent Mortgage Company | -0.07% | 3.59% | |
| Renasant Bank | -0.05% | 2.14% | |
| NBKC Bank | -0.05% | 2.72% | |
| SunTrust Bank | -0.04% | 1.07% | |
| Triumph Bank | -0.04% | 2.14% | |
| Wells Fargo Bank | -0.01% | 1.55% | |
| Truist Bank | -0.01% | 0.78% | |
| Movement Mortgage | -0.00% | 0.87% | |
| GMFS Mortgage | 0.01% | 0.19% | |
| CenterState Bank | 0.01% | 2.33% | |
| Towne Mortgage Company | 0.02% | 0.49% | |
| Angel Oak Home Loans | 0.02% | 0.39% | |
| Mr. Cooper | 0.02% | 0.29% | |
| First Federal Bank of Florida | 0.04% | 1.17% | |
| Caliber Home Loans | 0.04% | 0.58% | |
| PennyMac Loan Services | 0.04% | 1.26% | |
| loanDepot | 0.04% | 0.87% | |
| Freedom Mortgage Corporation | 0.05% | 0.29% | |
| Carrington Mortgage Services | 0.06% | 0.29% | |
| Vanderbilt Mortgage | 0.07% | 1.55% | |
| Atlantic Bay Mortgage Group | 0.07% | 1.84% | |
| Quicken Loans | 0.07% | 2.72% | |
| USAA | 0.08% | 17.86% | |
| Guild Mortgage Company | 0.10% | 9.61% | |
| New American Funding | 0.10% | 10.97% | |
| Fairway Independent Mortgage Corporation | 0.12% | 3.01% | |
| Planters First Bank | 0.13% | 2.52% | |
| HomeStar Financial | 0.23% | 4.47% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Colony Bank | -0.15% | 5.26% | |
| Ameris Bank | -0.12% | 4.68% | |
| USAA | -0.10% | 7.60% | |
| PennyMac Loan Services | -0.08% | 12.57% | |
| Caliber Home Loans | -0.07% | 4.39% | |
| NBKC Bank | -0.05% | 2.92% | |
| New American Funding | -0.03% | 2.92% | |
| Guild Mortgage Company | -0.03% | 1.75% | |
| Truist Bank | -0.02% | 0.88% | |
| Fairway Independent Mortgage Corporation | -0.01% | 0.58% | |
| Crescent Mortgage Company | -0.01% | 0.58% | |
| Navy Federal Credit Union | -0.01% | 2.92% | |
| loanDepot | -0.01% | 6.73% | |
| SunTrust Bank | -0.01% | 1.75% | |
| Carrington Mortgage Services | -0.01% | 6.14% | |
| Renasant Bank | -0.01% | 0.29% | |
| Movement Mortgage | -0.00% | 0.29% | |
| Vanderbilt Mortgage | 0.00% | 0.29% | |
| Triumph Bank | 0.01% | 1.17% | |
| Planters First Bank | 0.01% | 0.29% | |
| Atlantic Bay Mortgage Group | 0.02% | 0.29% | |
| Towne Mortgage Company | 0.02% | 0.58% | |
| CenterState Bank | 0.02% | 0.88% | |
| Wells Fargo Bank | 0.04% | 0.88% | |
| First Federal Bank of Florida | 0.06% | 2.05% | |
| Mr. Cooper | 0.09% | 2.92% | |
| Freedom Mortgage Corporation | 0.09% | 6.43% | |
| Quicken Loans | 0.13% | 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
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