Safe Rate Rankings

Best Jumbo Mortgage Lenders in Atlanta

Updated May 21, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders292

Total Loans64,717

Median Rate Spread0.33%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$2,070Fees	0.054%Below	730
2	DELTA COMMUNITY CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$2,413Fees	0.434%Below	639
3	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,604Fees	0.254%Below	573
4	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$97Fees	0.103%Below	238
5	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$572Fees	0.013%Above	898
6	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$621Fees	0.427%Below	651
7	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,687Fees	0.274%Above	626
8	Associated Credit UnionCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$4,087Fees	1.233%Below	311
9	Synovus BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$2,292Fees	0.037%Above	162
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$4,409Fees	0.271%Above	6,570
11	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,912Fees	0.163%Above	5,958
12	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,581Fees	0.076%Above	1,244
13	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,715Fees	0.009%Above	888
14	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,689Fees	0.348%Above	823
15	Regions BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,484Fees	0.136%Above	494
16	Renasant BankBank	Strong	Sound	Exceptional	Strong	Strong	$3,424Fees	0.092%Above	324
17	Ameris BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,303Fees	0.179%Above	2,494
18	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,690Fees	0.395%Above	1,660
19	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,174Fees	0.554%Above	1,044
20	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,060Fees	0.233%Above	985
21	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	Exceptional	$2,837Fees	0.127%Above	669
22	Capital City Home Loans, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Exceptional	$2,300Fees	0.228%Above	347
23	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$3,646Fees	0.442%Above	243
24	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,431Fees	0.463%Above	1,398
25	BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$4,293Fees	0.140%Above	893
26	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,125Fees	0.241%Above	580
27	SouthState Bank, National AssociationBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,436Fees	0.167%Above	404
28	Onward Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,617Fees	0.275%Above	324
29	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,955Fees	0.233%Above	320
30	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,147Fees	0.152%Above	282
31	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Sound	Acceptable	Strong	$2,788Fees	0.200%Above	277
32	NexBankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,208Fees	0.250%Above	275
33	First Horizon BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,155Fees	0.114%Above	210
34	GEORGIA'S OWNCredit Union	Strong	Sound	Strong	Sound	Strong	$2,498Fees	0.269%Below	141
35	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,544Fees	0.465%Above	435
36	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,541Fees	0.456%Above	346
37	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,348Fees	0.552%Above	317
38	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Sound	Exceptional	$5,347Fees	0.833%Above	1,199
39	First Option Mortgage, LLCIndependent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$4,853Fees	0.873%Above	766
40	NEW WAVE LENDING GROUP INCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,760Fees	1.288%Above	146
41	HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$4,841Fees	0.354%Above	353
42	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$3,915Fees	0.575%Above	338
43	Flagstar Bank, N.A.Bank	Sound	Mediocre	Exceptional	Sound	Strong	$2,736Fees	0.276%Above	319
44	SHELTER HOME MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	—	Sound	Strong	$2,849Fees	0.420%Above	165
45	OCMBC, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$4,375Fees	0.863%Above	138
46	United Community BankBank	Sound	Mediocre	Strong	Sound	Strong	$2,432Fees	0.361%Above	368

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.