Safe Rate Rankings

Best Jumbo Mortgage Lenders in Durham

Updated May 22, 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 Lenders99

Total Loans6,285

Median Rate Spread0.17%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	STATE EMPLOYEES'Credit Union	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$2,357Fees	0.864%Below	555
2	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,608Fees	0.104%Above	102
3	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$2,251Fees	0.208%Below	75
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$697Fees	0.613%Below	75
5	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$538Fees	0.501%Below	18
6	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$973Fees	0.032%Above	150
7	First-Citizens Bank & Trust CompanyBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,160Fees	0.012%Below	136
8	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$58Credit	0.034%Above	55
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,971Fees	0.237%Above	511
10	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,211Fees	0.065%Above	427
11	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,602Fees	0.213%Above	257
12	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,991Fees	0.051%Below	246
13	CORPORATE INVESTORS MORTGAGE GROUP, INCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$2,957Fees	0.106%Above	193
14	First National Bank of PennsylvaniaBank	Strong	Sound	Exceptional	Strong	Strong	$1,283Fees	0.082%Below	113
15	COASTAL Federal Credit UnionCredit Union	Strong	Sound	Strong	Exceptional	Strong	$2,265Fees	0.144%Above	61
16	First Horizon BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,687Fees	0.085%Above	18

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.