# Best Jumbo Mortgage Lenders in Lakewood

**As of:** 2026-05-22

Compare the top Jumbo mortgage lenders in Lakewood. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/lakewood/best-mortgage-lenders/jumbo-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 204
- **Total Loans:** 24,796
- **Median Rate Spread:** 0.3093826530612245%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Wells Fargo Bank, National Association | 95 | 87 | 63 | 482 | Bank |
| 2 | GUARANTEED RATE, INC. | 89 | 64 | 62 | 731 | Independent Mortgage Company |
| 3 | OceanFirst Bank, National Association | 89 | 69 | 82 | 465 | Bank |
| 4 | Bank of America, National Association | 89 | 90 | 80 | 345 | Bank |
| 5 | U.S. Bank National Association | 89 | 88 | 76 | 293 | Bank |
| 6 | Manasquan Bank | 89 | 73 | 93 | 169 | Bank |
| 7 | Citibank, National Association | 89 | 95 | 69 | 136 | Bank |
| 8 | Morgan Stanley Private Bank, National Association | 89 | 96 | 75 | 120 | Bank |
| 9 | Citizens Bank, National Association | 85 | 68 | 69 | 214 | Bank |
| 10 | Kearny Bank | 85 | 94 | 67 | 138 | Bank |
| 11 | Manufacturers and Traders Trust Company | 85 | 80 | 79 | 127 | Bank |
| 12 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 2,121 | Independent Mortgage Company |
| 13 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 1,644 | Independent Mortgage Company |
| 14 | JPMorgan Chase Bank, National Association | 83 | 49 | 64 | 527 | Bank |
| 15 | PENNYMAC LOAN SERVICES, LLC | 83 | 55 | 66 | 517 | Independent Mortgage Company |
| 16 | TD Bank, National Association | 83 | 51 | 72 | 303 | Bank |
| 17 | Valley National Bank | 80 | 66 | 74 | 76 | Bank |
| 18 | PNC Bank, National Association | 79 | 53 | 68 | 148 | Bank |
| 19 | Fulton Bank, National Association | 79 | 47 | 67 | 131 | Bank |
| 20 | LOANDEPOT.COM, LLC | 77 | 52 | 59 | 592 | Independent Mortgage Company |
| 21 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 40 | 70 | 1,433 | Independent Mortgage Company |
| 22 | Advisors Mortgage Group, L.L.C. | 73 | 45 | 60 | 985 | Independent Mortgage Company |
| 23 | GUARANTEED RATE AFFINITY, LLC | 73 | 55 | 57 | 242 | Independent Mortgage Company |
| 24 | UNITY BANK | 67 | 36 | 75 | 51 | Bank |
| 25 | FM Home Loans, LLC | 60 | 11 | 66 | 229 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Lakewood.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.