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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Jumbo Mortgage Lenders in Georgia
Updated February 6, 2026
Market Overview
379
Total Lenders
137,043
Total Loans
0.33%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,123 | +0.025% | 1,450 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $739 | -0.483% | 1,780 | |
3 | DELTA COMMUNITY CREDIT UNION | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,355 | -0.437% | 929 | |
4 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,609 | -0.151% | 926 | |
5 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $294 | -0.060% | 445 | |
6 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $959 | +0.057% | 1,612 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,505 | +0.286% | 1,526 | |
8 | Synovus Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,220 | +0.059% | 893 | |
9 | Associated Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $4,072 | -1.254% | 481 | |
10 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,205 | +0.286% | 13,981 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,909 | +0.131% | 11,272 | |
12 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,666 | +0.280% | 2,603 | |
13 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,474 | +0.113% | 1,962 | |
14 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,987 | +0.009% | 1,954 | |
15 | Regions Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,457 | +0.228% | 1,121 | |
16 | Renasant Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,111 | +0.178% | 1,064 | |
17 | COLONY BANK | Strong | Sound | — | Exceptional | Exceptional | $2,178 | +0.290% | 610 | |
18 | SWBC MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $1,796 | +0.310% | 506 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Strong | Strong | $4,015 | +0.336% | 419 | |
20 | Ameris Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,175 | +0.190% | 4,440 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,676 | +0.426% | 3,242 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,012 | +0.316% | 2,399 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,060 | +0.556% | 2,044 | |
24 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Strong | Sound | Exceptional | $2,837 | +0.193% | 1,807 | |
25 | SouthState Bank, National Association | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,321 | +0.144% | 1,005 | |
26 | Capital City Home Loans, LLC | Strong | Sound | Strong | Sound | Exceptional | $2,167 | +0.305% | 822 | |
27 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,617 | +0.428% | 374 | |
28 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,041 | +0.463% | 3,205 | |
29 | BANKSOUTH MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,153 | +0.252% | 2,119 | |
30 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,134 | +0.225% | 1,019 | |
31 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | Strong | $3,148 | +0.327% | 883 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Sound | Acceptable | Strong | $3,100 | +0.255% | 564 | |
33 | NexBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,261 | +0.300% | 563 | |
34 | FBC MORTGAGE, LLC | Strong | Sound | Strong | Sound | Strong | $2,110 | +0.006% | 490 | |
35 | Onward Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,641 | +0.302% | 458 | |
36 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,626 | +0.258% | 451 | |
37 | First Horizon Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,274 | +0.112% | 303 | |
38 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,041 | +0.339% | 842 | |
39 | LOWER, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,392 | +0.449% | 740 | |
40 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,569 | +0.398% | 736 | |
41 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Strong | $3,355 | +0.503% | 599 | |
42 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Sound | Exceptional | $5,167 | +0.797% | 1,971 | |
43 | Flagstar Bank, N.A. | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,823 | +0.364% | 1,161 | |
44 | First Option Mortgage, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $4,729 | +0.871% | 1,045 | |
45 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,631 | +0.354% | 822 | |
46 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Strong | Sound | Strong | $3,683 | +0.464% | 597 | |
47 | Cadence Bank | Strong | Mediocre | Exceptional | Strong | Strong | $2,624 | +0.116% | 282 | |
48 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | Sound | Mediocre | — | Strong | Exceptional | $4,587 | +0.541% | 1,129 | |
49 | United Community Bank | Sound | Mediocre | Strong | Sound | Exceptional | $2,219 | +0.458% | 1,000 | |
50 | FIRST COMMUNITY MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | Strong | $3,690 | +0.508% | 585 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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