# Best Jumbo Mortgage Lenders in Nassau County

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

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

> **Canonical URL:** https://saferate.com/nassau-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:** 115
- **Total Loans:** 22,725
- **Median Rate Spread:** 0.21122123893805309%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Citibank, National Association | 95 | 95 | 69 | 555 | Bank |
| 2 | Wells Fargo Bank, National Association | 95 | 87 | 63 | 553 | Bank |
| 3 | Citizens Bank, National Association | 89 | 68 | 69 | 593 | Bank |
| 4 | Bank of America, National Association | 89 | 90 | 80 | 340 | Bank |
| 5 | U.S. Bank National Association | 89 | 88 | 76 | 192 | Bank |
| 6 | Morgan Stanley Private Bank, National Association | 89 | 96 | 75 | 148 | Bank |
| 7 | GUARANTEED RATE, INC. | 85 | 64 | 62 | 174 | Independent Mortgage Company |
| 8 | Manufacturers and Traders Trust Company | 85 | 80 | 79 | 172 | Bank |
| 9 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 2,441 | Independent Mortgage Company |
| 10 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 1,401 | Independent Mortgage Company |
| 11 | JPMorgan Chase Bank, National Association | 83 | 49 | 64 | 1,367 | Bank |
| 12 | TD Bank, National Association | 83 | 51 | 72 | 358 | Bank |
| 13 | Valley National Bank | 80 | 66 | 74 | 202 | Bank |
| 14 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 79 | 43 | 65 | 495 | Independent Mortgage Company |
| 15 | Bethpage Federal Credit Union | 77 | 50 | 59 | 486 | Credit Union |
| 16 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 40 | 70 | 904 | Independent Mortgage Company |
| 17 | Ridgewood Savings Bank | 74 | 62 | 55 | 76 | Bank |
| 18 | Dime Community Bank | 74 | 80 | 45 | 56 | Bank |
| 19 | TEACHERS FEDERAL CREDIT UNION | 73 | 46 | 55 | 509 | Credit Union |
| 20 | AMERICAN FINANCIAL NETWORK, INC. | 73 | 46 | 53 | 115 | Independent Mortgage Company |
| 21 | Webster Bank, National Association | 73 | 55 | 70 | 49 | Bank |
| 22 | EMBRACE HOME LOANS, INC. | 71 | 32 | 66 | 464 | Independent Mortgage Company |
| 23 | NP, INC. | 71 | 20 | 61 | 97 | Independent Mortgage Company |
| 24 | CONTOUR MORTGAGE CORPORATION | 66 | 26 | 69 | 1,411 | Independent Mortgage Company |
| 25 | CLIFFCO, INC. | 66 | 24 | 55 | 419 | Independent Mortgage Company |
| 26 | FM Home Loans, LLC | 57 | 11 | 66 | 116 | Independent Mortgage Company |
| 27 | NATIONWIDE MORTGAGE BANKERS, INC. | 56 | 11 | 53 | 937 | Independent Mortgage Company |
| 28 | EAST COAST CAPITAL CORP. | 56 | 19 | 54 | 398 | Independent Mortgage Company |
| 29 | Flagstar Bank, N.A. | 56 | 17 | 50 | 138 | Bank |
| 30 | A&D Mortgage LLC | 56 | 12 | 51 | 92 | Independent Mortgage Company |
| 31 | ARC HOME LLC | 56 | 17 | 55 | 63 | Independent Mortgage Company |
| 32 | PLAZA HOME MORTGAGE, INC. | 53 | 19 | 48 | 299 | Independent Mortgage Company |
| 33 | Quontic Bank | 53 | 3 | 50 | 195 | Bank |
| 34 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 53 | 4 | 57 | 178 | 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 Nassau 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.