# Best Jumbo Mortgage Lenders in Atlanta

**As of:** 2026-05-21

Compare the top Jumbo mortgage lenders in Atlanta. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/atlanta/best-mortgage-lenders/jumbo-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 292
- **Total Loans:** 64,717
- **Median Rate Spread:** 0.3305483870967742%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Truist Bank | 89 | 76 | 71 | 898 | Bank |
| 2 | Wells Fargo Bank, National Association | 89 | 87 | 63 | 730 | Bank |
| 3 | DELTA COMMUNITY CREDIT UNION | 89 | 81 | 62 | 639 | Credit Union |
| 4 | Bank of America, National Association | 89 | 90 | 80 | 573 | Bank |
| 5 | U.S. Bank National Association | 89 | 88 | 76 | 238 | Bank |
| 6 | GUARANTEED RATE, INC. | 85 | 64 | 62 | 626 | Independent Mortgage Company |
| 7 | Associated Credit Union | 85 | 72 | 76 | 311 | Credit Union |
| 8 | Synovus Bank | 85 | 76 | 61 | 162 | Bank |
| 9 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 6,570 | Independent Mortgage Company |
| 10 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 5,958 | Independent Mortgage Company |
| 11 | JPMorgan Chase Bank, National Association | 83 | 49 | 64 | 1,244 | Bank |
| 12 | PENNYMAC LOAN SERVICES, LLC | 83 | 55 | 66 | 888 | Independent Mortgage Company |
| 13 | MOVEMENT MORTGAGE, LLC | 83 | 41 | 68 | 823 | Independent Mortgage Company |
| 14 | NAVY FEDERAL CREDIT UNION | 83 | 95 | 51 | 651 | Credit Union |
| 15 | Regions Bank | 79 | 48 | 68 | 494 | Bank |
| 16 | Renasant Bank | 79 | 60 | 60 | 324 | Bank |
| 17 | Ameris Bank | 75 | 34 | 66 | 2,494 | Bank |
| 18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 30 | 63 | 1,660 | Independent Mortgage Company |
| 19 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 40 | 70 | 1,044 | Independent Mortgage Company |
| 20 | GUILD MORTGAGE COMPANY LLC | 75 | 32 | 66 | 985 | Independent Mortgage Company |
| 21 | VANDERBILT MORTGAGE AND FINANCE, INC. | 73 | 48 | 54 | 669 | Independent Mortgage Company |
| 22 | Capital City Home Loans, LLC | 73 | 44 | 58 | 347 | Independent Mortgage Company |
| 23 | GUARANTEED RATE AFFINITY, LLC | 73 | 55 | 57 | 243 | Independent Mortgage Company |
| 24 | BANKSOUTH MORTGAGE COMPANY, LLC | 71 | 23 | 67 | 893 | Independent Mortgage Company |
| 25 | Prosperity Home Mortgage, LLC | 71 | 35 | 62 | 580 | Independent Mortgage Company |
| 26 | SouthState Bank, National Association | 71 | 38 | 67 | 404 | Bank |
| 27 | Onward Home Mortgage, LLC | 71 | 25 | 68 | 324 | Independent Mortgage Company |
| 28 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 71 | 34 | 71 | 320 | Independent Mortgage Company |
| 29 | NexBank | 71 | 28 | 69 | 275 | Bank |
| 30 | First Horizon Bank | 71 | 36 | 72 | 210 | Bank |
| 31 | NEW AMERICAN FUNDING, LLC | 70 | 36 | 48 | 1,398 | Independent Mortgage Company |
| 32 | FBC MORTGAGE, LLC | 69 | 59 | 46 | 282 | Independent Mortgage Company |
| 33 | GEORGIA'S OWN | 69 | 60 | 56 | 141 | Credit Union |
| 34 | LOWER, LLC | 66 | 27 | 56 | 435 | Independent Mortgage Company |
| 35 | KIND LENDING, LLC | 66 | 27 | 51 | 346 | Independent Mortgage Company |
| 36 | Paramount Residential Mortgage Group, Inc. | 66 | 25 | 48 | 317 | Independent Mortgage Company |
| 37 | MUTUAL OF OMAHA MORTGAGE, INC. | 63 | 74 | 30 | 277 | Independent Mortgage Company |
| 38 | First Option Mortgage, LLC | 60 | 10 | 67 | 766 | Independent Mortgage Company |
| 39 | NEW WAVE LENDING GROUP INC | 60 | 4 | 63 | 146 | Independent Mortgage Company |
| 40 | EVERETT FINANCIAL, INC. | 59 | 16 | 59 | 1,199 | Independent Mortgage Company |
| 41 | SHELTER HOME MORTGAGE, LLC | 58 | 21 | 50 | 165 | Independent Mortgage Company |
| 42 | FIRST COMMUNITY MORTGAGE, INC. | 57 | 17 | 62 | 338 | Independent Mortgage Company |
| 43 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 56 | 14 | 58 | 353 | Independent Mortgage Company |
| 44 | Flagstar Bank, N.A. | 56 | 17 | 50 | 319 | Bank |
| 45 | OCMBC, INC. | 56 | 4 | 55 | 138 | Independent Mortgage Company |
| 46 | United Community Bank | 53 | 15 | 47 | 368 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Atlanta.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.