# Best Jumbo Mortgage Lenders in Riverside

**As of:** 2026-05-23

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

> **Canonical URL:** https://saferate.com/riverside/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:** 250
- **Total Loans:** 45,263
- **Median Rate Spread:** 0.3712731092436975%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | U.S. Bank National Association | 89 | 88 | 76 | 677 | Bank |
| 2 | SCHOOLSFIRST | 89 | 86 | 79 | 554 | Credit Union |
| 3 | Wells Fargo Bank, National Association | 89 | 87 | 63 | 353 | Bank |
| 4 | Bank of America, National Association | 89 | 90 | 80 | 236 | Bank |
| 5 | GUARANTEED RATE, INC. | 85 | 64 | 62 | 562 | Independent Mortgage Company |
| 6 | First-Citizens Bank & Trust Company | 85 | 73 | 75 | 136 | Bank |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 7,468 | Independent Mortgage Company |
| 8 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 3,925 | Independent Mortgage Company |
| 9 | JPMorgan Chase Bank, National Association | 83 | 49 | 64 | 910 | Bank |
| 10 | NAVY FEDERAL CREDIT UNION | 83 | 95 | 51 | 337 | Credit Union |
| 11 | Citibank, National Association | 83 | 95 | 69 | 95 | Bank |
| 12 | PENNYMAC LOAN SERVICES, LLC | 79 | 55 | 66 | 585 | Independent Mortgage Company |
| 13 | MOVEMENT MORTGAGE, LLC | 79 | 41 | 68 | 360 | Independent Mortgage Company |
| 14 | CMG MORTGAGE, INC. | 79 | 40 | 66 | 334 | Independent Mortgage Company |
| 15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 79 | 45 | 66 | 129 | Independent Mortgage Company |
| 16 | BMO Bank National Association | 79 | 79 | 64 | 94 | Bank |
| 17 | LOANDEPOT.COM, LLC | 77 | 52 | 59 | 1,774 | Independent Mortgage Company |
| 18 | NMSI, INC. | 75 | 24 | 100 | 358 | Independent Mortgage Company |
| 19 | AMERICAN FINANCIAL NETWORK, INC. | 73 | 46 | 53 | 472 | Independent Mortgage Company |
| 20 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 40 | 70 | 701 | Independent Mortgage Company |
| 21 | THE LOAN STORE, INC. | 71 | 25 | 61 | 547 | Independent Mortgage Company |
| 22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 30 | 63 | 374 | Independent Mortgage Company |
| 23 | GUILD MORTGAGE COMPANY LLC | 71 | 32 | 66 | 276 | Independent Mortgage Company |
| 24 | Paramount Residential Mortgage Group, Inc. | 70 | 25 | 48 | 817 | Independent Mortgage Company |
| 25 | NEW AMERICAN FUNDING, LLC | 66 | 36 | 48 | 450 | Independent Mortgage Company |
| 26 | NEWREZ LLC | 66 | 23 | 55 | 376 | Independent Mortgage Company |
| 27 | Prosperity Home Mortgage, LLC | 66 | 35 | 62 | 102 | Independent Mortgage Company |
| 28 | FRANKLIN LOAN CORPORATION | 63 | 15 | 83 | 595 | Independent Mortgage Company |
| 29 | Hometown Equity Mortgage, LLC | 63 | 28 | 49 | 222 | Independent Mortgage Company |
| 30 | ONY GLO, INC. | 63 | 25 | 58 | 125 | Independent Mortgage Company |
| 31 | EMET LENDING GROUP, INC. | 60 | 7 | 78 | 286 | Independent Mortgage Company |
| 32 | AMWEST FUNDING CORP. | 60 | N/A | 61 | 280 | Independent Mortgage Company |
| 33 | NEW WAVE LENDING GROUP INC | 60 | 4 | 63 | 257 | Independent Mortgage Company |
| 34 | NFM, INC. | 60 | 20 | 69 | 182 | Independent Mortgage Company |
| 35 | Citadel Servicing Corporation | 60 | 5 | 60 | 95 | Independent Mortgage Company |
| 36 | OCMBC, INC. | 59 | 4 | 55 | 1,452 | Independent Mortgage Company |
| 37 | AAA CAPITAL INVESTMENT, INC. | 57 | 14 | 63 | 173 | Independent Mortgage Company |
| 38 | Flagstar Bank, N.A. | 56 | 17 | 50 | 491 | Bank |
| 39 | ROYAL PACIFIC FUNDING CORP. | 56 | 16 | 57 | 339 | Independent Mortgage Company |
| 40 | AMERICAN PACIFIC MORTGAGE CORPORATION | 56 | 18 | 59 | 218 | Independent Mortgage Company |
| 41 | Commerce Home Mortgage, Inc. | 56 | 12 | 60 | 123 | Independent Mortgage Company |
| 42 | JMAC LENDING, INC. | 53 | 18 | 48 | 136 | Independent Mortgage Company |
| 43 | MK LENDING CORP. | 53 | 19 | 44 | 136 | Independent Mortgage Company |
| 44 | FlexPoint, Inc. | 53 | 15 | 54 | 135 | Independent Mortgage Company |
| 45 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 53 | 4 | 57 | 129 | Independent Mortgage Company |
| 46 | AMERITRUST MORTGAGE CORPORATION | 53 | 20 | 58 | 106 | Independent Mortgage Company |

## 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 Riverside.

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.