# Best Jumbo Mortgage Bank Lenders in Phoenix

**As of:** 2026-05-25

Compare the top banks for Jumbo loans in Phoenix.

> **Canonical URL:** https://saferate.com/phoenix/best-mortgage-lenders/banks/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:** 283
- **Total Loans:** 70,344
- **Median Rate Spread:** 0.304169741697417%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | U.S. Bank National Association | 89 | 88 | 76 | 556 | Bank |
| 2 | Wells Fargo Bank, National Association | 89 | 87 | 63 | 555 | Bank |
| 3 | Bank of America, National Association | 89 | 90 | 80 | 451 | Bank |
| 4 | BMO Bank National Association | 85 | 79 | 64 | 239 | Bank |
| 5 | JPMorgan Chase Bank, National Association | 83 | 49 | 64 | 1,275 | Bank |
| 6 | Bell Bank | 79 | 47 | 66 | 681 | Bank |
| 7 | NexBank | 71 | 28 | 69 | 148 | Bank |
| 8 | Plains Commerce Bank | 66 | 31 | 46 | 763 | Bank |
| 9 | Sunflower Bank, National Association | 63 | 36 | 54 | 191 | Bank |
| 10 | Flagstar Bank, N.A. | 56 | 17 | 50 | 469 | Bank |

## 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 Phoenix.

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.