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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Jumbo Mortgage Lenders in Montgomery County
Updated February 5, 2026
Market Overview
183
Total Lenders
19,475
Total Loans
0.18%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,706 | -0.023% | 299 | |
2 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,648 | -0.105% | 176 | |
3 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $356 | -0.138% | 105 | |
4 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $435 | -0.421% | 65 | |
5 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,076 | +0.016% | 812 | |
6 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | Strong | $602 | -0.374% | 83 | |
7 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,002 | -0.246% | 41 | |
8 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,477 | -0.022% | 232 | |
9 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $581 | +0.129% | 90 | |
10 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,620 | +0.238% | 1,398 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,077 | +0.068% | 1,068 | |
12 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,035 | +0.248% | 551 | |
13 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,997 | +0.187% | 510 | |
14 | NJ LENDERS CORP. | Exceptional | Strong | Strong | Strong | Strong | $4,072 | +0.227% | 59 | |
15 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Sound | $198 | -0.083% | 49 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,995 | -0.018% | 213 | |
17 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,179 | +0.001% | 184 | |
18 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $318 | -0.071% | 161 | |
19 | Philadelphia Mortgage Advisors, Inc. | Strong | Sound | Strong | Strong | Exceptional | $3,582 | -0.005% | 143 | |
20 | First National Bank of Pennsylvania | Strong | Sound | Exceptional | Strong | Strong | $1,222 | -0.054% | 118 | |
21 | Fulton Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,250 | +0.296% | 112 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,056 | +0.295% | 1,406 | |
23 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,832 | +0.257% | 738 | |
24 | Mortgage America, Inc. | Strong | Sound | Strong | Sound | Exceptional | $2,051 | +0.138% | 400 | |
25 | Univest Bank and Trust Co. | Strong | Sound | Strong | Sound | Exceptional | $1,762 | +0.185% | 206 | |
26 | Penn Community Bank | Strong | Strong | — | Sound | Strong | $335 | +0.168% | 63 | |
27 | The Huntington National Bank | Strong | Acceptable | Exceptional | Strong | Strong | $960 | +0.238% | 62 | |
28 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,267 | +0.417% | 231 | |
29 | Wilmington Savings Fund Society, FSB | Strong | Mediocre | Strong | Strong | Exceptional | $2,075 | -0.087% | 184 | |
30 | MERIDIAN BANK | Strong | Sound | Sound | Acceptable | Strong | $2,269 | +0.155% | 171 |
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.
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