Safe Rate Rankings

Best Jumbo Mortgage Lenders in Reno

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders80

Total Loans5,965

Median Rate Spread0.22%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,575Fees	0.023%Above	112
2	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,970Fees	0.008%Below	78
3	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$900Fees	0.031%Below	37
4	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$707Fees	0.454%Below	25
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,220Fees	0.155%Above	551
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$4,571Fees	0.117%Above	458
7	UNITED FEDERAL CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Strong	Strong	$2,645Fees	0.042%Below	91
8	BMO Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$14Fees	0.258%Above	22
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,457Fees	0.127%Above	82
10	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,049Fees	0.357%Above	68
11	Charles Schwab Bank, SSBBank	Strong	Sound	Exceptional	Exceptional	Sound	$1,197Fees	0.227%Below	16
12	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,889Fees	0.520%Above	776
13	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,309Fees	0.531%Above	286

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.