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Safe Rate's TrueRank Guarantee
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 Lenders in Raleigh
Updated February 5, 2026
Market Overview
196
Total Lenders
23,619
Total Loans
0.15%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | STATE EMPLOYEES' | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,382 | -0.827% | 1,402 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,919 | +0.006% | 306 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,555 | -0.265% | 275 | |
4 | North State Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,049 | -0.056% | 268 | |
5 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$45 | -0.056% | 539 | |
6 | First-Citizens Bank & Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,572 | -0.130% | 363 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $788 | -0.641% | 286 | |
8 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $392 | -0.031% | 67 | |
9 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,514 | +0.147% | 220 | |
10 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$1,040 | -0.016% | 141 | |
11 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,663 | +0.181% | 1,528 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,482 | -0.050% | 1,409 | |
13 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,003 | +0.208% | 903 | |
14 | COASTAL Federal Credit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,054 | +0.199% | 303 | |
15 | American Security Mortgage Corp. | Strong | Sound | Strong | Strong | Exceptional | $1,970 | +0.103% | 403 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,548 | +0.018% | 388 | |
17 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,943 | -0.070% | 280 | |
18 | First National Bank of Pennsylvania | Strong | Sound | Exceptional | Strong | Strong | $1,078 | +0.019% | 140 | |
19 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $1,638 | +0.073% | 99 | |
20 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$371 | +0.028% | 85 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,585 | +0.399% | 517 | |
22 | CORPORATE INVESTORS MORTGAGE GROUP, INC | Strong | Sound | Strong | Strong | Strong | $2,773 | +0.141% | 103 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,967 | +0.345% | 419 | |
24 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,006 | +0.263% | 313 | |
25 | Towne Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,376 | +0.312% | 208 | |
26 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | Strong | $3,282 | +0.314% | 185 | |
27 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,744 | +0.375% | 122 | |
28 | SFMC, LP | Strong | Acceptable | Strong | Sound | Strong | $4,655 | +0.422% | 65 | |
29 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Sound | $2,444 | +0.196% | 69 |
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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