Safe Rate Rankings

Best Jumbo Mortgage Lenders in Boulder

Updated February 5, 2026

⚖️ 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 Lenders63

Total Loans3,135

Median Rate Spread0.04%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$1,032Fees	0.336%Below	32
2	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$151Fees	0.458%Below	27
3	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$2,519Fees	0.009%Below	25
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,215Fees	0.025%Above	490
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,955Fees	0.079%Above	176
6	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,903Fees	0.295%Above	122
7	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,408Fees	0.101%Above	68
8	FirstBankBank	Strong	Sound	Exceptional	Strong	Strong	$1,440Fees	0.291%Below	57
9	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$727Fees	0.342%Above	55
10	Charles Schwab Bank, SSBBank	Strong	Sound	Exceptional	Exceptional	Sound	$722Fees	0.332%Below	23
11	Zions Bancorporation, N.A.Bank	Strong	Strong	Exceptional	Sound	Sound	$2,042Fees	0.334%Below	15
12	ELEVATIONSCredit Union	Strong	Acceptable	Exceptional	Strong	Exceptional	$922Fees	0.140%Above	549
13	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$741Fees	0.026%Below	25
14	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,207Fees	0.334%Above	113
15	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,176Fees	0.210%Above	103
16	OriginPoint, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,316Fees	0.387%Above	19
17	Synergy One Lending, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,563Fees	0.016%Above	38
18	The Huntington National BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,699Fees	0.167%Above	17

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)

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.