Safe Rate Rankings

Best Jumbo Mortgage Lenders in Stockton

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 Lenders98

Total Loans7,528

Median Rate Spread0.25%

Stockton Market Insights

Us Bank National Association is Safe Rate's top-ranked Jumbo lender in Stockton, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
Provident Credit Union and Citibank National Association leads on both Jumbo pricing and pullthrough, with competitive rates and a strong track record of closing.
United Wholesale Mortgage (UWM) ranks #3 in Stockton, 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.
Popular names in Stockton: Rocket Mortgage (#7) and United Wholesale Mortgage (#3).

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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	Strong	$290Fees	0.012%Below	222
2	Bank of America, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$253Fees	0.166%Below	83
3	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Sound*	Exceptional	Strong	Exceptional	$3,289Fees	0.173%Above	1,231
4	Citibank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Sound	$1,492Credit	0.377%Below	42
5	Provident Credit Union Credit UnionDirect	Strong	Exceptional	Strong	Exceptional	Sound	$69Fees	0.927%Below	22
6	STAR ONE Credit Union Credit UnionDirect	Strong	Exceptional	Exceptional	Strong	Strong	$173Credit	0.547%Below	49
7	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,548Fees	0.190%Above	745
8	Wells Fargo Bank, National Association BankDirect	Strong	Exceptional	Exceptional	Strong	Strong	$2,261Fees	0.031%Below	57
9	THE GOLDEN 1 Credit UnionDirect	Strong	Strong	Exceptional	Strong	Strong	$603Credit	0.057%Above	47
10	BMO Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$902Fees	0.099%Above	43
11	Patelco Credit Union Credit UnionDirect	Strong	Exceptional	Exceptional	Strong	Sound	$762Fees	0.397%Below	21
12	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Exceptional	$2,657Fees	0.078%Below	399
13	Zions Bancorporation, N.A. BankDirect	Strong	Strong	Exceptional	Sound	Strong	$530Fees	0.043%Below	62
14	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,567Fees	0.002%Below	111
15	AMERIHOME MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Strong	Strong	Sound	$1,380Fees	0.244%Above	28
16	SAFE Credit Union Credit UnionDirect	Strong	Acceptable	Strong	Strong	Strong	$1,475Fees	0.114%Above	64
17	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$3,449Fees	0.254%Above	82
18	PNC Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Sound	$474Fees	0.084%Above	19
19	NexBank BankWholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$72Credit	0.420%Above	18

❓ Frequently Asked Questions

How are mortgage lenders ranked in Stockton?+

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 Stockton), 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 Stockton?+

Based on 2024 HMDA data, 98 lenders originated a combined 7,528 loans in Stockton. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

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

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Stockton is 0.25%. 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 Stockton'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.