# Best Jumbo Mortgage Lenders in Montgomery County

**As of:** 2026-05-22

Compare the top Jumbo mortgage lenders in Montgomery County. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/montgomery-county/best-mortgage-lenders/jumbo-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 183
- **Total Loans:** 19,475
- **Median Rate Spread:** 0.18055681818181818%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Wells Fargo Bank, National Association | 95 | 87 | 63 | 299 | Bank |
| 2 | GUARANTEED RATE, INC. | 89 | 64 | 62 | 812 | Independent Mortgage Company |
| 3 | Bank of America, National Association | 89 | 90 | 80 | 176 | Bank |
| 4 | U.S. Bank National Association | 89 | 88 | 76 | 105 | Bank |
| 5 | Morgan Stanley Private Bank, National Association | 89 | 96 | 75 | 65 | Bank |
| 6 | Citizens Bank, National Association | 85 | 68 | 69 | 232 | Bank |
| 7 | Truist Bank | 85 | 76 | 71 | 90 | Bank |
| 8 | PENNSYLVANIA STATE EMPLOYEES Credit Union | 85 | 97 | 66 | 83 | Credit Union |
| 9 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 1,398 | Independent Mortgage Company |
| 10 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 1,068 | Independent Mortgage Company |
| 11 | MOVEMENT MORTGAGE, LLC | 83 | 41 | 68 | 551 | Independent Mortgage Company |
| 12 | PENNYMAC LOAN SERVICES, LLC | 83 | 55 | 66 | 510 | Independent Mortgage Company |
| 13 | Citibank, National Association | 83 | 95 | 69 | 41 | Bank |
| 14 | NJ LENDERS CORP. | 80 | 68 | 71 | 59 | Independent Mortgage Company |
| 15 | JPMorgan Chase Bank, National Association | 79 | 49 | 64 | 213 | Bank |
| 16 | TD Bank, National Association | 79 | 51 | 72 | 184 | Bank |
| 17 | PNC Bank, National Association | 79 | 53 | 68 | 161 | Bank |
| 18 | Philadelphia Mortgage Advisors, Inc. | 79 | 47 | 65 | 143 | Independent Mortgage Company |
| 19 | First National Bank of Pennsylvania | 79 | 58 | 76 | 118 | Bank |
| 20 | Fulton Bank, National Association | 79 | 47 | 67 | 112 | Bank |
| 21 | Manufacturers and Traders Trust Company | 79 | 80 | 79 | 49 | Bank |
| 22 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 40 | 70 | 1,406 | Independent Mortgage Company |
| 23 | Prosperity Home Mortgage, LLC | 75 | 35 | 62 | 738 | Independent Mortgage Company |
| 24 | Mortgage America, Inc. | 73 | 50 | 54 | 400 | Independent Mortgage Company |
| 25 | Univest Bank and Trust Co. | 73 | 58 | 49 | 206 | Bank |
| 26 | The Huntington National Bank | 71 | 30 | 76 | 62 | Bank |
| 27 | Penn Community Bank | 69 | 71 | 52 | 63 | Bank |
| 28 | NEW AMERICAN FUNDING, LLC | 66 | 36 | 48 | 231 | Independent Mortgage Company |
| 29 | Wilmington Savings Fund Society, FSB | 60 | 16 | 74 | 184 | Bank |
| 30 | MERIDIAN BANK | 58 | 49 | 24 | 171 | Bank |
| 31 | MortgageCountry, LLC | 57 | N/A | 64 | 86 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Montgomery County.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.