Safe Rate Rankings

Best Jumbo Mortgage Bank Lenders in Madison

Updated February 5, 2026
⚖️ 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.
Total Lenders7
Total Loans7,150
Median Rate Spread0.13%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
Lake Ridge BankBank
Exceptional
Exceptional
Strong
Strong
Exceptional
$457Fees
0.031%Above
178
2
U.S. Bank National AssociationBank
Exceptional
Exceptional
Exceptional
Strong
Strong
$29Credit
0.123%Above
139
3
Old National BankBank
Exceptional
Strong
Exceptional
Strong
Strong
$1,328Fees
0.089%Below
97
4
Barrington Bank & Trust Company, National AssociationBank
Exceptional
Strong
Strong
Sound
Exceptional
$2,020Fees
0.075%Above
438
5
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Exceptional
Strong
Strong
$2,116Fees
0.136%Above
88
6
Johnson BankBank
Strong
Acceptable
Strong
Strong
Strong
$570Fees
0.059%Below
176
7
The Huntington National BankBank
Strong
Acceptable
Exceptional
Strong
Sound
$1,528Fees
0.334%Above
30

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.