# Best Jumbo Mortgage Lenders in Raleigh

**As of:** 2026-06-03

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

> **Canonical URL:** https://saferate.com/raleigh/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:** 196
- **Total Loans:** 23,619
- **Median Rate Spread:** 0.1480909090909091%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | STATE EMPLOYEES' | 95 | 80 | 71 | 1,402 | Credit Union |
| 2 | Truist Bank | 89 | 76 | 71 | 539 | Bank |
| 3 | First-Citizens Bank & Trust Company | 89 | 73 | 75 | 363 | Bank |
| 4 | Wells Fargo Bank, National Association | 89 | 87 | 63 | 306 | Bank |
| 5 | Bank of America, National Association | 89 | 90 | 80 | 275 | Bank |
| 6 | North State Bank | 89 | 80 | 71 | 268 | Bank |
| 7 | GUARANTEED RATE, INC. | 85 | 64 | 62 | 220 | Independent Mortgage Company |
| 8 | Fifth Third Bank, National Association | 85 | 74 | 70 | 141 | Bank |
| 9 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 1,528 | Independent Mortgage Company |
| 10 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 1,409 | Independent Mortgage Company |
| 11 | MOVEMENT MORTGAGE, LLC | 83 | 41 | 68 | 903 | Independent Mortgage Company |
| 12 | COASTAL Federal Credit Union | 83 | 41 | 87 | 303 | Credit Union |
| 13 | NAVY FEDERAL CREDIT UNION | 83 | 95 | 51 | 286 | Credit Union |
| 14 | U.S. Bank National Association | 83 | 88 | 76 | 67 | Bank |
| 15 | American Security Mortgage Corp. | 79 | 57 | 65 | 403 | Independent Mortgage Company |
| 16 | JPMorgan Chase Bank, National Association | 79 | 49 | 64 | 388 | Bank |
| 17 | PENNYMAC LOAN SERVICES, LLC | 79 | 55 | 66 | 280 | Independent Mortgage Company |
| 18 | First National Bank of Pennsylvania | 79 | 58 | 76 | 140 | Bank |
| 19 | The Central Trust Bank | 79 | 49 | 72 | 99 | Bank |
| 20 | PNC Bank, National Association | 79 | 53 | 68 | 85 | Bank |
| 21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 30 | 63 | 517 | Independent Mortgage Company |
| 22 | CORPORATE INVESTORS MORTGAGE GROUP, INC | 74 | 42 | 78 | 103 | Independent Mortgage Company |
| 23 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 40 | 70 | 419 | Independent Mortgage Company |
| 24 | Prosperity Home Mortgage, LLC | 71 | 35 | 62 | 313 | Independent Mortgage Company |
| 25 | Towne Bank | 71 | 21 | 68 | 208 | Bank |
| 26 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 71 | 34 | 71 | 185 | Independent Mortgage Company |
| 27 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 69 | 40 | 51 | 122 | Independent Mortgage Company |
| 28 | SFMC, LP | 63 | 25 | 56 | 65 | Independent Mortgage Company |
| 29 | Flagstar Bank, N.A. | 52 | 17 | 50 | 69 | 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 Raleigh.

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.