Safe Rate Rankings

Best Jumbo Mortgage Lenders in Atlanta

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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%

Atlanta Market Insights

Bank of America National Association is Safe Rate's top-ranked Jumbo lender in Atlanta, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Atlanta, Navy Federal Credit Union and Bank of America National Association scores highest on Jumbo pricing while Bank of America National Association and Associated Credit Union leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #3 in Atlanta, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Rocket Mortgage ranks #6 in Atlanta, the nation's largest lender by volume.

Explore Rankings by Type

Overall Rankings

All lenders in Atlanta

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By Institution Type

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

❓ Frequently Asked Questions

How are mortgage lenders ranked in Atlanta?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Atlanta), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Atlanta?+

Based on 2024 HMDA data, 292 lenders originated a combined 64,717 loans in Atlanta. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Atlanta?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Atlanta is 0.33%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Atlanta's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.