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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 Company Lenders in United States
Updated February 6, 2026
Market Overview
40
Total Lenders
3,560,099
Total Loans
0.20%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | — | $2,477 | +0.229% | 51,353 | |
2 | FLAT BRANCH MORTGAGE, INC. | Strong | Strong | Strong | Strong | — | $1,570 | +0.401% | 13,335 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | — | $2,828 | +0.185% | 285,901 | |
4 | ROCKET MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | — | $3,881 | +0.334% | 266,411 | |
5 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | — | $2,921 | +0.343% | 51,046 | |
6 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | — | $2,940 | +0.289% | 46,733 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | — | $1,952 | +0.038% | 35,887 | |
8 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Strong | — | $3,445 | +0.321% | 21,082 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | — | $2,582 | +0.136% | 57,340 | |
10 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | — | $2,588 | +0.279% | 12,743 | |
11 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Sound | Strong | Strong | — | $3,469 | +0.467% | 11,689 | |
12 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | — | $2,206 | +0.608% | 9,656 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | — | $3,549 | +0.497% | 86,295 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | — | $3,254 | +0.445% | 61,160 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | — | $3,553 | +0.387% | 58,550 | |
16 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,384 | +0.287% | 18,786 | |
17 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,398 | +0.284% | 16,835 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Sound | Acceptable | — | $2,029 | +0.181% | 11,542 | |
19 | DAS Acquisition Company, LLC | Strong | Sound | Strong | Sound | — | $2,766 | +0.587% | 7,507 | |
20 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Strong | Sound | — | $3,102 | +0.063% | 7,432 | |
21 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | — | $3,182 | +0.556% | 37,119 | |
22 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | — | $2,479 | +0.382% | 32,880 | |
23 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | — | $3,279 | +0.479% | 17,073 | |
24 | LOWER, LLC | Strong | Acceptable | Exceptional | Sound | — | $2,834 | +0.450% | 15,793 | |
25 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | — | $2,761 | +0.348% | 13,399 | |
26 | UNION HOME MORTGAGE CORP. | Sound | Acceptable | Strong | Sound | — | $2,996 | +0.562% | 23,240 | |
27 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | — | $3,705 | +0.346% | 16,100 | |
28 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Sound | Acceptable | Strong | Sound | — | $2,079 | +0.294% | 14,849 | |
29 | BAY EQUITY LLC | Sound | Acceptable | Strong | Sound | — | $2,852 | +0.180% | 9,468 | |
30 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Sound | — | $4,326 | +0.441% | 8,697 | |
31 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | — | $3,577 | +0.263% | 7,145 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | — | $4,289 | +0.552% | 17,767 | |
33 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Sound | — | $4,249 | +0.678% | 13,110 | |
34 | FIRST COMMUNITY MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | — | $2,818 | +0.429% | 9,840 | |
35 | ZILLOW HOME LOANS, LLC | Sound | Sound | Sound | Mediocre | — | $2,906 | +0.435% | 9,356 | |
36 | OCMBC, INC. | Sound | Mediocre | Exceptional | Sound | — | $3,899 | +0.665% | 8,372 | |
37 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Sound | — | $4,167 | +0.581% | 7,561 | |
38 | PLAZA HOME MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | — | $2,801 | +0.380% | 11,165 | |
39 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | — | $4,134 | +0.531% | 8,466 | |
40 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Sound | — | $3,961 | +0.505% | 8,262 |
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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