# Best Jumbo Mortgage Lenders in the US

**As of:** 2026-06-02

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

> **Canonical URL:** https://saferate.com/national/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:** 2,386
- **Total Loans:** 3,560,099
- **Median Rate Spread:** 0.20338265534197586%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | U.S. Bank National Association | 93 | 88 | 76 | 37,416 | Bank |
| 2 | Wells Fargo Bank, National Association | 93 | 87 | 63 | 34,079 | Bank |
| 3 | Bank of America, National Association | 93 | 90 | 80 | 25,155 | Bank |
| 4 | Citibank, National Association | 93 | 95 | 69 | 10,757 | Bank |
| 5 | Morgan Stanley Private Bank, National Association | 93 | 96 | 75 | 7,167 | Bank |
| 6 | GUARANTEED RATE, INC. | 86 | 64 | 62 | 51,353 | Independent Mortgage Company |
| 7 | Truist Bank | 86 | 76 | 71 | 13,874 | Bank |
| 8 | Fifth Third Bank, National Association | 86 | 74 | 70 | 10,811 | Bank |
| 9 | Citizens Bank, National Association | 86 | 68 | 69 | 9,612 | Bank |
| 10 | Manufacturers and Traders Trust Company | 86 | 80 | 79 | 7,577 | Bank |
| 11 | NAVY FEDERAL CREDIT UNION | 84 | 95 | 51 | 31,887 | Credit Union |
| 12 | FLAT BRANCH MORTGAGE, INC. | 80 | 69 | 71 | 13,335 | Independent Mortgage Company |
| 13 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 55 | 74 | 285,901 | Independent Mortgage Company |
| 14 | ROCKET MORTGAGE, LLC | 78 | 50 | 67 | 266,411 | Independent Mortgage Company |
| 15 | JPMorgan Chase Bank, National Association | 78 | 49 | 64 | 67,126 | Bank |
| 16 | MOVEMENT MORTGAGE, LLC | 78 | 41 | 68 | 51,046 | Independent Mortgage Company |
| 17 | CMG MORTGAGE, INC. | 78 | 40 | 66 | 46,733 | Independent Mortgage Company |
| 18 | PENNYMAC LOAN SERVICES, LLC | 78 | 55 | 66 | 35,887 | Independent Mortgage Company |
| 19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 78 | 45 | 66 | 21,082 | Independent Mortgage Company |
| 20 | PNC Bank, National Association | 78 | 53 | 68 | 11,250 | Bank |
| 21 | Regions Bank | 78 | 48 | 68 | 10,811 | Bank |
| 22 | Bell Bank | 78 | 47 | 66 | 7,696 | Bank |
| 23 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 73 | 43 | 65 | 11,689 | Independent Mortgage Company |
| 24 | LOANDEPOT.COM, LLC | 71 | 52 | 59 | 57,340 | Independent Mortgage Company |
| 25 | GUARANTEED RATE AFFINITY, LLC | 71 | 55 | 57 | 12,743 | Independent Mortgage Company |
| 26 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 46 | 53 | 9,656 | Independent Mortgage Company |
| 27 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 40 | 70 | 86,295 | Independent Mortgage Company |
| 28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 30 | 63 | 61,160 | Independent Mortgage Company |
| 29 | GUILD MORTGAGE COMPANY LLC | 68 | 32 | 66 | 58,550 | Independent Mortgage Company |
| 30 | The Huntington National Bank | 68 | 30 | 76 | 18,842 | Bank |
| 31 | Prosperity Home Mortgage, LLC | 68 | 35 | 62 | 18,786 | Independent Mortgage Company |
| 32 | THE LOAN STORE, INC. | 68 | 25 | 61 | 16,835 | Independent Mortgage Company |
| 33 | Ameris Bank | 68 | 34 | 66 | 11,244 | Bank |
| 34 | DAS Acquisition Company, LLC | 66 | 54 | 59 | 7,507 | Independent Mortgage Company |
| 35 | VANDERBILT MORTGAGE AND FINANCE, INC. | 66 | 48 | 54 | 7,432 | Independent Mortgage Company |
| 36 | NBKC BANK | 66 | 58 | 45 | 7,357 | Bank |
| 37 | NEW AMERICAN FUNDING, LLC | 62 | 36 | 48 | 37,119 | Independent Mortgage Company |
| 38 | NEWREZ LLC | 62 | 23 | 55 | 32,880 | Independent Mortgage Company |
| 39 | Paramount Residential Mortgage Group, Inc. | 62 | 25 | 48 | 17,073 | Independent Mortgage Company |
| 40 | LOWER, LLC | 62 | 27 | 56 | 15,793 | Independent Mortgage Company |
| 41 | KIND LENDING, LLC | 62 | 27 | 51 | 13,399 | Independent Mortgage Company |
| 42 | Plains Commerce Bank | 62 | 31 | 46 | 11,610 | Bank |
| 43 | UNION HOME MORTGAGE CORP. | 58 | 31 | 58 | 23,240 | Independent Mortgage Company |
| 44 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 58 | 33 | 53 | 14,849 | Independent Mortgage Company |
| 45 | MUTUAL OF OMAHA MORTGAGE, INC. | 58 | 74 | 30 | 11,542 | Independent Mortgage Company |
| 46 | BAY EQUITY LLC | 58 | 26 | 49 | 9,468 | Independent Mortgage Company |
| 47 | CARRINGTON MORTGAGE SERVICES, LLC | 58 | 24 | 48 | 8,697 | Independent Mortgage Company |
| 48 | Sierra Pacific Mortgage Company, Inc. | 58 | 32 | 48 | 7,145 | Independent Mortgage Company |
| 49 | NFM, INC. | 54 | 20 | 69 | 16,100 | Independent Mortgage Company |
| 50 | FIRST COMMUNITY MORTGAGE, INC. | 50 | 17 | 62 | 9,840 | 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 the US.

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.