Safe Rate Rankings

Best Jumbo Mortgage Lenders in Georgia

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 Lenders379

Total Loans137,043

Median Rate Spread0.33%

Georgia Market Insights

Bank of America National Association is Safe Rate's top-ranked Jumbo lender in Georgia, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Georgia, Navy Federal Credit Union and Bank of America National Association scores highest on Jumbo pricing while Bank of America National Association and Us Bank National Association leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #4 in Georgia, 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 #7 in Georgia, the nation's largest lender by volume.

Explore Rankings by Type

Overall Rankings

All lenders in Georgia

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By Institution Type

Banks Credit Unions Mortgage Companies

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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	$1,609Fees	0.151%Below	926
2	Wells Fargo Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$2,123Fees	0.025%Above	1,450
3	U.S. Bank National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$294Fees	0.060%Below	445
4	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Sound*	Exceptional	Strong	Exceptional	$2,909Fees	0.131%Above	11,272
5	Truist Bank BankDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$959Fees	0.057%Above	1,612
6	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Exceptional	$739Fees	0.483%Below	1,780
7	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$4,205Fees	0.286%Above	13,981
8	Synovus Bank BankDirect	Strong	Strong	Exceptional	Strong	Exceptional	$2,220Fees	0.059%Above	893
9	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Exceptional	$3,505Fees	0.286%Above	1,526
10	DELTA COMMUNITY CREDIT UNION Credit UnionDirect	Strong	Exceptional	Strong	Strong	Exceptional	$2,355Fees	0.437%Below	929
11	Associated Credit Union Credit UnionDirect	Strong	Strong	Strong	Strong	Exceptional	$4,072Fees	1.254%Below	481
12	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,474Fees	0.113%Above	1,962
13	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$1,987Fees	0.009%Above	1,954
14	Regions Bank BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,457Fees	0.228%Above	1,121
15	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,666Fees	0.280%Above	2,603
16	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,060Fees	0.556%Above	2,044
17	Ameris Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,175Fees	0.190%Above	4,440
18	Renasant Bank BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,111Fees	0.178%Above	1,064
19	SouthState Bank, National Association BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,321Fees	0.144%Above	1,005
20	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,676Fees	0.426%Above	3,242
21	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,012Fees	0.316%Above	2,399
22	SWBC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$1,796Fees	0.310%Above	506
23	ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,148Fees	0.327%Above	883
24	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$4,015Fees	0.336%Above	419
25	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Sound	Strong	$3,617Fees	0.428%Above	374
26	First Horizon Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,274Fees	0.112%Above	303
27	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,134Fees	0.225%Above	1,019
28	Capital City Home Loans, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Sound	Exceptional	$2,167Fees	0.305%Above	822
29	COLONY BANK BankDirect	Strong	Sound	—	Exceptional	Exceptional	$2,178Fees	0.290%Above	610
30	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,041Fees	0.463%Above	3,205
31	BANKSOUTH MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$4,153Fees	0.252%Above	2,119
32	VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Sound	Exceptional	$2,837Fees	0.193%Above	1,807
33	NexBank BankWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,261Fees	0.300%Above	563
34	FBC MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Sound	Strong	$2,110Fees	0.006%Above	490
35	EVERETT FINANCIAL, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Sound	Exceptional	$5,167Fees	0.797%Above	1,971
36	Cadence Bank BankDirect	Strong	Mediocre	Exceptional	Strong	Strong	$2,624Fees	0.116%Above	282
37	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$3,041Fees	0.339%Above	842
38	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$3,392Fees	0.449%Above	740
39	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$2,569Fees	0.398%Above	736
40	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Sound	Strong	$3,683Fees	0.464%Above	597
41	Onward Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$3,641Fees	0.302%Above	458
42	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,626Fees	0.258%Above	451
43	HOMEOWNERS FINANCIAL GROUP USA, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Exceptional	$4,631Fees	0.354%Above	822
44	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Strong	Sound	Acceptable	Strong	$3,100Fees	0.255%Above	564
45	Flagstar Bank, N.A. BankDirect & Wholesale	Sound	Mediocre*	Exceptional	Sound	Exceptional	$2,823Fees	0.364%Above	1,161
46	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	Strong	$3,355Fees	0.503%Above	599
47	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Mediocre*	Strong	Strong	Strong	$3,690Fees	0.508%Above	585
48	First Option Mortgage, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Exceptional	$4,729Fees	0.871%Above	1,045
49	United Community Bank BankDirect	Sound	Mediocre	Strong	Sound	Exceptional	$2,219Fees	0.458%Above	1,000
50	SOUTHEAST MORTGAGE OF GEORGIA, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	—	Strong	Exceptional	$4,587Fees	0.541%Above	1,129

❓ Frequently Asked Questions

How are mortgage lenders ranked in Georgia?+

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 Georgia), 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 Georgia?+

Based on 2024 HMDA data, 379 lenders originated a combined 137,043 loans in Georgia. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

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

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Georgia 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 Georgia'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.