Safe Rate Rankings

Best Jumbo Mortgage Lenders in the US

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders2386

Total Loans3,560,099

Median Rate Spread0.20%

the US Market Insights

Bank of America National Association is Safe Rate's top-ranked Jumbo lender in the US, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In the US, Morgan Stanley Private Bank National Association and Navy Federal Credit Union scores highest on Jumbo pricing while Bank of America National Association and Manufacturers and Traders Trust leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #11 in the US, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Rocket Mortgage ranks #13 in the US, the nation's largest lender by volume.

Explore Rankings by Type

Overall Rankings

All lenders in the US

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By Institution Type

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Bank of America, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	—	$1,021Fees	0.175%Below	25,155
2	U.S. Bank National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	—	$283Fees	0.033%Above	37,416
3	Morgan Stanley Private Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	—	$331Fees	0.449%Below	7,167
4	Citibank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	—	$568Credit	0.252%Below	10,757
5	Wells Fargo Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	—	$1,660Fees	0.017%Below	34,079
6	Manufacturers and Traders Trust Company BankDirect	Exceptional	Strong	Exceptional	Strong	—	$1,064Fees	0.105%Above	7,577
7	Truist Bank BankDirect	Exceptional	Strong	Exceptional	Strong	—	$802Fees	0.078%Above	13,874
8	Fifth Third Bank, National Association BankDirect	Strong	Strong	Exceptional	Strong	—	$542Fees	0.263%Above	10,811
9	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	—	$749Fees	0.493%Below	31,887
10	Citizens Bank, National Association BankDirect	Strong	Strong	Exceptional	Strong	—	$1,074Fees	0.029%Above	9,612
11	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	—	$2,828Fees	0.185%Above	285,901
12	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	—	$2,477Fees	0.229%Above	51,353
13	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	—	$3,881Fees	0.334%Above	266,411
14	PNC Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	—	$186Fees	0.120%Above	11,250
15	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	—	$2,283Fees	0.135%Above	67,126
16	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	—	$1,952Fees	0.038%Above	35,887
17	FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Strong	—	$1,570Fees	0.401%Above	13,335
18	Regions Bank BankDirect	Strong	Sound	Exceptional	Strong	—	$1,948Fees	0.333%Above	10,811
19	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	—	$3,549Fees	0.497%Above	86,295
20	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	—	$2,921Fees	0.343%Above	51,046
21	The Huntington National Bank BankDirect	Strong	Acceptable	Exceptional	Strong	—	$415Fees	0.374%Above	18,842
22	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	—	$2,582Fees	0.136%Above	57,340
23	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	—	$2,940Fees	0.289%Above	46,733
24	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	—	$3,445Fees	0.321%Above	21,082
25	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Sound	—	$2,588Fees	0.279%Above	12,743
26	Bell Bank BankDirect	Strong	Sound	Exceptional	Strong	—	$2,876Fees	0.274%Above	7,696
27	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	—	$3,553Fees	0.387%Above	58,550
28	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	—	$3,469Fees	0.467%Above	11,689
29	Ameris Bank BankDirect	Strong	Acceptable	Exceptional	Strong	—	$2,801Fees	0.172%Above	11,244
30	DAS Acquisition Company, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Sound	—	$2,766Fees	0.587%Above	7,507
31	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	—	$3,254Fees	0.445%Above	61,160
32	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	—	$2,384Fees	0.287%Above	18,786
33	AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	—	$2,206Fees	0.608%Above	9,656
34	NBKC BANK BankDirect	Sound	Sound	Strong	Sound	—	$560Fees	0.167%Below	7,357
35	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Exceptional	Strong	—	$2,398Fees	0.284%Above	16,835
36	NFM, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	—	$3,705Fees	0.346%Above	16,100
37	VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect	Sound	Sound	Strong	Sound	—	$3,102Fees	0.063%Above	7,432
38	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	—	$3,182Fees	0.556%Above	37,119
39	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	—	$2,479Fees	0.382%Above	32,880
40	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Sound	—	$2,996Fees	0.562%Above	23,240
41	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	—	$4,289Fees	0.552%Above	17,767
42	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	—	$2,834Fees	0.450%Above	15,793
43	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Sound	—	$2,079Fees	0.294%Above	14,849
44	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Exceptional	Sound	—	$2,761Fees	0.348%Above	13,399
45	Plains Commerce Bank BankWholesale	Sound	Acceptable*	Exceptional	Sound	—	$2,989Fees	0.278%Above	11,610
46	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Strong	Sound	Acceptable	—	$2,029Fees	0.181%Above	11,542
47	EVERETT FINANCIAL, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	—	$4,249Fees	0.678%Above	13,110
48	BAY EQUITY LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	—	$2,852Fees	0.180%Above	9,468
49	Flagstar Bank, N.A. BankDirect & Wholesale	Sound	Mediocre*	Exceptional	Sound	—	$2,572Fees	0.351%Above	23,726
50	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	—	$3,279Fees	0.479%Above	17,073

❓ Frequently Asked Questions

How are mortgage lenders ranked in the US?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in the US), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in the US?+

Based on 2024 HMDA data, 2,386 lenders originated a combined 3,560,099 loans in the US. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in the US?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in the US is 0.20%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In the US's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #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). 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.