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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 Richmond
Updated February 5, 2026
Market Overview
150
Total Lenders
18,305
Total Loans
0.26%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,569 | +0.025% | 225 | |
2 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | -$693 | +0.121% | 189 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,574 | -0.255% | 111 | |
4 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,254 | +0.058% | 492 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $618 | -0.417% | 317 | |
6 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,453 | +0.284% | 1,551 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,602 | +0.035% | 997 | |
8 | Virginia Credit Union, Inc. | Exceptional | Strong | — | Strong | Exceptional | $584 | +0.188% | 681 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,026 | +0.043% | 338 | |
10 | First National Bank of Pennsylvania | Strong | Sound | Exceptional | Strong | Strong | $1,116 | +0.054% | 205 | |
11 | Fulton Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,527 | +0.300% | 117 | |
12 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,732 | +0.256% | 505 | |
13 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,255 | +0.277% | 422 | |
14 | Towne Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,853 | +0.305% | 249 | |
15 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,324 | +0.322% | 658 | |
16 | First Heritage Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,111 | +0.259% | 622 | |
17 | United Bank | Strong | Acceptable | Strong | Strong | Exceptional | $1,846 | +0.131% | 584 | |
18 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,268 | +0.532% | 495 |
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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