Safe Rate Rankings

Best Jumbo Mortgage Lenders in Non

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 Lenders1513

Total Loans403,871

Median Rate Spread0.30%

Non Market Insights

Us Bank National Association is Safe Rate's top-ranked Jumbo lender in Non, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Non, Navy Federal Credit Union and Bank of America National Association scores highest on Jumbo pricing while Bank of America National Association and Us Bank National Association leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #4 in Non, 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 #8 in Non, the nation's largest lender by volume.

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Overall Rankings

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$1,019Fees	0.258%Above	4,263
2	Bank of America, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,780Fees	0.081%Above	1,038
3	Wells Fargo Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$2,203Fees	0.223%Above	3,042
4	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Sound*	Exceptional	Strong	Exceptional	$2,894Fees	0.225%Above	20,699
5	STATE EMPLOYEES' Credit UnionDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$2,051Fees	0.681%Below	2,531
6	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Exceptional	$845Fees	0.450%Below	3,938
7	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,471Fees	0.208%Above	1,427
8	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,625Fees	0.492%Above	37,600
9	Fifth Third Bank, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$992Fees	0.431%Above	1,233
10	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Exceptional	$2,518Fees	0.382%Above	4,121
11	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,231Fees	0.005%Above	3,420
12	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,561Fees	0.657%Above	6,849
13	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,404Fees	0.349%Above	3,486
14	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$3,011Fees	0.479%Above	5,076
15	Regions Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,658Fees	0.506%Above	1,627
16	PNC Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,050Fees	0.282%Above	1,048
17	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Exceptional	$2,704Fees	0.425%Above	5,609
18	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,871Fees	0.449%Above	4,885
19	Renasant Bank BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,343Fees	0.322%Above	1,644
20	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,605Fees	0.470%Above	8,330
21	The Huntington National Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$645Fees	0.534%Above	2,367
22	The Central Trust Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,688Fees	0.366%Above	1,008
23	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$3,116Fees	0.498%Above	2,246
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,425Fees	0.548%Above	7,148
25	ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,437Fees	0.512%Above	1,638
26	Bell Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$2,814Fees	0.336%Above	876
27	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	Strong	$3,351Fees	0.581%Above	1,525
28	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,413Fees	0.398%Above	1,334
29	Arvest Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,809Fees	0.456%Above	1,332
30	Barrington Bank & Trust Company, National Association BankDirect	Strong	Strong	Strong	Sound	Strong	$2,626Fees	0.408%Above	907
31	Ameris Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,573Fees	0.286%Above	867
32	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,068Fees	0.728%Above	4,624
33	AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,067Fees	0.693%Above	918
34	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Sound	Exceptional	$3,025Fees	0.645%Above	3,542
35	Cadence Bank BankDirect	Strong	Mediocre	Exceptional	Strong	Strong	$1,746Fees	0.377%Above	1,010
36	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Exceptional	$2,271Fees	0.470%Above	3,626
37	NFM, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$4,218Fees	0.642%Above	1,212
38	First United Bank and Trust Company BankDirect	Strong	Acceptable	Exceptional	Sound	Strong	$1,997Fees	0.543%Above	815
39	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Sound	Exceptional	$4,253Fees	0.583%Above	2,098
40	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,602Fees	0.350%Above	1,120
41	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Mediocre*	Exceptional	Sound	Exceptional	$2,451Fees	0.394%Above	3,521
42	Plains Commerce Bank BankWholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$2,624Fees	0.344%Above	1,587
43	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Sound	Strong	$2,046Fees	0.409%Above	1,579
44	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Exceptional	Sound	Strong	$2,656Fees	0.391%Above	1,311
45	Community Bank, National Association BankDirect	Sound	Sound	Sound	Strong	Exceptional	$366Fees	0.795%Above	1,195
46	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$3,219Fees	0.569%Above	936
47	CHURCHILL MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$3,324Fees	0.528%Above	890
48	HIGHLANDS RESIDENTIAL MORTGAGE, LTD. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$3,843Fees	0.618%Above	844
49	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Mediocre*	Strong	Strong	Exceptional	$2,946Fees	0.427%Above	1,968
50	EVERETT FINANCIAL, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Strong	$3,773Fees	0.762%Above	1,159

❓ Frequently Asked Questions

How are mortgage lenders ranked in Non?+

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 Non), 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 Non?+

Based on 2024 HMDA data, 1,513 lenders originated a combined 403,871 loans in Non. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

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

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Non is 0.30%. 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 Non'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.