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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 Atlantic City
Updated February 5, 2026
Market Overview
73
Total Lenders
4,367
Total Loans
0.39%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $511 | -0.062% | 126 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,144 | -0.040% | 94 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,585 | -0.306% | 56 | |
4 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,346 | +0.052% | 203 | |
5 | OceanFirst Bank, National Association | Exceptional | Strong | Strong | Exceptional | Exceptional | $164 | +0.016% | 201 | |
6 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $334 | -0.549% | 30 | |
7 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,252 | -0.292% | 18 | |
8 | UBS Bank USA | Exceptional | Exceptional | Exceptional | Strong | Sound | $945 | +0.097% | 11 | |
9 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,165 | +0.204% | 118 | |
10 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,906 | +0.029% | 47 | |
11 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,742 | +0.393% | 364 | |
12 | Valley National Bank | Exceptional | Strong | Strong | Strong | Strong | $1,611 | +0.053% | 36 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,554 | +0.350% | 69 | |
14 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $973 | +0.245% | 62 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,311 | +0.266% | 47 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,061 | +0.531% | 208 | |
17 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,135 | +0.110% | 26 | |
18 | Fulton Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,679 | +0.518% | 19 | |
19 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,197 | +0.299% | 153 | |
20 | Univest Bank and Trust Co. | Strong | Sound | Strong | Sound | Sound | $1,751 | +0.470% | 12 | |
21 | Wilmington Savings Fund Society, FSB | Sound | Mediocre | Strong | Strong | Sound | $3,359 | -0.014% | 22 |
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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