# Best Jumbo Mortgage Lenders in California

**As of:** 2026-06-04

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

> **Canonical URL:** https://saferate.com/local/california/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:** 452
- **Total Loans:** 284,401
- **Median Rate Spread:** 0.23914482758620692%

## Top Lenders

| Rank | Lender | Safe Rate Score | Pricing | Product | Pull-Through | Place | Avg Fees | Rate Spread | Volume | Type | Channel | Notes |
|------|--------|----------------|---------|---------|--------------|-------|----------|-------------|--------|------|---------|-------|
| 1 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | 89 | 88 | 100 | 76 | 91 | -$820 (Credit) | -0.142% | 8,858 | Bank | Direct | — |
| 2 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | 89 | 90 | 99 | 80 | 87 | -$518 (Credit) | -0.287% | 5,011 | Bank | Direct | — |
| 3 | [Citibank, National Association](https://saferate.com/lenders/citibank-national-association) | 87 | 95 | 98 | 69 | 87 | -$1742 (Credit) | -0.289% | 3,776 | Bank | Direct | — |
| 4 | [Morgan Stanley Private Bank, National Association](https://saferate.com/lenders/morgan-stanley-private-bank-national-association) | 86 | 96 | 95 | 75 | 78 | $305 | -0.471% | 1,247 | Bank | Direct | — |
| 5 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | 84 | 87 | 99 | 63 | 89 | $241 | -0.196% | 6,267 | Bank | Direct | — |
| 6 | [HSBC BANK USA, NATIONAL ASSOCIATION](https://saferate.com/lenders/hsbc-bank-usa-national-association) | 83 | 84 | 94 | 74 | 83 | -$1668 (Credit) | -0.198% | 1,592 | Bank | Direct | — |
| 7 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 82 | 55 | 100 | 74 | 100 | $2807 | 0.135% | 41,870 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 8 | [SCHOOLSFIRST](https://saferate.com/lenders/schoolsfirst) | 82 | 86 | 79 | 79 | 85 | $374 | -0.013% | 1,736 | Credit Union | Direct | — |
| 9 | [BMO Bank National Association](https://saferate.com/lenders/bmo-bank-national-association) | 81 | 79 | 96 | 64 | 86 | -$405 (Credit) | -0.030% | 2,800 | Bank | Direct | — |
| 10 | [STAR ONE Credit Union](https://saferate.com/lenders/star-one-credit-union) | 81 | 93 | 83 | 70 | 77 | -$116 (Credit) | -0.643% | 591 | Credit Union | Direct | — |
| 11 | [THE GOLDEN 1](https://saferate.com/lenders/the-golden-1) | 78 | 71 | 84 | 75 | 82 | -$264 (Credit) | 0.044% | 1,163 | Credit Union | Direct | — |
| 12 | [Charles Schwab Bank, SSB](https://saferate.com/lenders/charles-schwab-bank-ssb) | 78 | 55 | 92 | 87 | 76 | $633 | -0.277% | 821 | Bank | Wholesale | Pricing may vary between mortgage brokers. |
| 13 | [First-Citizens Bank & Trust Company](https://saferate.com/lenders/first-citizens-bank-trust) | 78 | 73 | 93 | 75 | 72 | -$551 (Credit) | -0.117% | 660 | Bank | Direct | — |
| 14 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 77 | 50 | 96 | 67 | 96 | $3583 | 0.180% | 26,634 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Rocket Mortgage directly or with a mortgage broker. |
| 15 | [NAVY FEDERAL CREDIT UNION](https://saferate.com/lenders/navy-federal-credit-union) | 77 | 95 | 88 | 51 | 75 | $580 | -0.539% | 1,546 | Credit Union | Direct | — |
| 16 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 76 | 64 | 96 | 62 | 83 | $2308 | 0.142% | 4,046 | Independent Mortgage Company | Direct | — |
| 17 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | 75 | 49 | 99 | 64 | 89 | $2238 | 0.068% | 7,658 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with JPMorgan Chase Bank, National Association directly or with a mortgage broker. |
| 18 | [GOOGAIN, INC.](https://saferate.com/lenders/googain) | 75 | 65 | 74 | 83 | 79 | -$754 (Credit) | 0.002% | 714 | Independent Mortgage Company | Direct | — |
| 19 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | 74 | 55 | 90 | 66 | 83 | $1574 | 0.078% | 3,610 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Pennymac Loan Services directly or with a mortgage broker. |
| 20 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | 73 | 40 | 96 | 70 | 86 | $3608 | 0.430% | 6,498 | Independent Mortgage Company | Direct | — |
| 21 | [PNC Bank, National Association](https://saferate.com/lenders/pnc-bank-national-association) | 73 | 53 | 92 | 68 | 78 | -$791 (Credit) | 0.009% | 1,452 | Bank | Direct | — |
| 22 | [Zions Bancorporation, N.A.](https://saferate.com/lenders/zions-bancorporation) | 73 | 72 | 89 | 57 | 73 | $1167 | -0.201% | 634 | Bank | Direct | — |
| 23 | [NMSI, INC.](https://saferate.com/lenders/nmsi) | 72 | 24 | 81 | 100 | 85 | $2670 | 0.276% | 2,049 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 24 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | 71 | 52 | 88 | 59 | 87 | $2524 | 0.036% | 6,417 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Loandepot.Com directly or with a mortgage broker. |
| 25 | [AMWEST FUNDING CORP.](https://saferate.com/lenders/amwest-funding) | 70 | N/A | 84 | 61 | 85 | N/A | N/A | 2,519 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 26 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 69 | 40 | 91 | 66 | 80 | $2918 | 0.201% | 2,821 | Independent Mortgage Company | Direct | — |
| 27 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 69 | 41 | 92 | 68 | 76 | $2852 | 0.324% | 1,883 | Independent Mortgage Company | Direct | — |
| 28 | [GUARANTEED RATE AFFINITY, LLC](https://saferate.com/lenders/guaranteed-rate-affinity) | 69 | 55 | 87 | 57 | 75 | $2545 | 0.254% | 1,170 | Independent Mortgage Company | Direct | — |
| 29 | [City National Bank](https://saferate.com/lenders/city-national-bank) | 69 | 69 | 78 | 51 | 78 | $2580 | 0.021% | 699 | Bank | Direct | — |
| 30 | [OriginPoint, LLC](https://saferate.com/lenders/originpoint) | 68 | 53 | 88 | 58 | 75 | $2143 | 0.231% | 754 | Independent Mortgage Company | Direct | — |
| 31 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | 67 | 32 | 90 | 66 | 80 | $4777 | 0.321% | 3,038 | Independent Mortgage Company | Direct | — |
| 32 | [PRIMELENDING, A PLAINSCAPITAL COMPANY](https://saferate.com/lenders/primelending-a-plainscapital) | 67 | 45 | 86 | 66 | 72 | $4972 | 0.349% | 978 | Independent Mortgage Company | Direct | — |
| 33 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 65 | 30 | 89 | 63 | 77 | $4187 | 0.393% | 2,207 | Independent Mortgage Company | Direct | — |
| 34 | [AMERICAN FINANCIAL NETWORK, INC.](https://saferate.com/lenders/american-financial-network) | 65 | 46 | 82 | 53 | 77 | $1746 | 0.439% | 1,343 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with American Financial Network directly or with a mortgage broker. |
| 35 | [THE LOAN STORE, INC.](https://saferate.com/lenders/the-loan-store) | 64 | 25 | 84 | 61 | 85 | $2442 | 0.279% | 3,591 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 36 | [FRANKLIN LOAN CORPORATION](https://saferate.com/lenders/franklin-loan) | 64 | 15 | 78 | 83 | 81 | $3531 | 0.445% | 1,042 | Independent Mortgage Company | Direct | — |
| 37 | [NEW AMERICAN FUNDING, LLC](https://saferate.com/lenders/new-american-funding) | 63 | 36 | 85 | 48 | 81 | $3287 | 0.424% | 2,962 | Independent Mortgage Company | Direct | — |
| 38 | [NexBank](https://saferate.com/lenders/nexbank) | 63 | 28 | 82 | 69 | 71 | $1429 | 0.399% | 602 | Bank | Wholesale | Pricing may vary between mortgage brokers. |
| 39 | [AMERICAN PACIFIC MORTGAGE CORPORATION](https://saferate.com/lenders/american-pacific-mortgage) | 62 | 18 | 84 | 59 | 85 | $4461 | 0.438% | 3,541 | Independent Mortgage Company | Direct | — |
| 40 | [KIND LENDING, LLC](https://saferate.com/lenders/kind-lending) | 62 | 27 | 83 | 51 | 85 | $3199 | 0.335% | 3,338 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 41 | [GOLDEN EMPIRE MORTGAGE, INC.](https://saferate.com/lenders/golden-empire-mortgage) | 62 | 35 | 71 | 55 | 87 | $4902 | 0.361% | 2,371 | Independent Mortgage Company | Direct | — |
| 42 | [EMET LENDING GROUP, INC.](https://saferate.com/lenders/emet-lending-group) | 62 | 7 | 82 | 78 | 82 | $4916 | 0.983% | 1,347 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Emet Lending Group directly or with a mortgage broker. |
| 43 | [General Mortgage Capital Corporation](https://saferate.com/lenders/general-mortgage-capital) | 62 | 38 | 75 | 58 | 78 | $1677 | 0.124% | 951 | Independent Mortgage Company | Direct | — |
| 44 | [STG MORTGAGE INC](https://saferate.com/lenders/stg-mortgage) | 62 | 44 | 73 | 53 | 77 | $2161 | 0.269% | 707 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 45 | [Logan Finance Corporation](https://saferate.com/lenders/logan-finance) | 62 | 15 | 86 | 73 | 76 | $2003 | 0.972% | 573 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 46 | [NEWREZ LLC](https://saferate.com/lenders/newrez) | 61 | 23 | 87 | 55 | 80 | $2558 | 0.295% | 2,476 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Newrez Llc directly or with a mortgage broker. |
| 47 | [MASON MCDUFFIE MORTGAGE CORPORATION](https://saferate.com/lenders/mason-mcduffie-mortgage) | 61 | 34 | 73 | 58 | 77 | $3495 | 0.440% | 836 | Independent Mortgage Company | Direct | — |
| 48 | [Synergy One Lending, Inc.](https://saferate.com/lenders/synergy-one-lending) | 61 | 22 | 83 | 67 | 72 | $4224 | 0.410% | 662 | Independent Mortgage Company | Direct | — |
| 49 | [Commerce Home Mortgage, Inc.](https://saferate.com/lenders/commerce-home-mortgage) | 60 | 12 | 85 | 60 | 82 | $3381 | 0.445% | 1,617 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Commerce Home Mortgage directly or with a mortgage broker. |
| 50 | [FIRST COLONY MORTGAGE CORPORATION](https://saferate.com/lenders/first-colony-mortgage) | 60 | 30 | 79 | 62 | 70 | $2295 | 0.151% | 598 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with First Colony Mortgage Corporation directly or with a mortgage broker. |

## 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 California.

Our composite Safe Rate Score is derived using a weighted average 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.

## Licensing & Disclosures

Lender rankings and market statistics are created by [Dylan Hall, licensed mortgage loan officer (NMLS #1658740)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/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)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/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.