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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 San Rafael
Updated February 5, 2026
Market Overview
29
Total Lenders
1,476
Total Loans
-0.02%
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 | Exceptional | -$318 | -0.303% | 200 | |
2 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$515 | -0.209% | 92 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | -$436 | -0.385% | 63 | |
4 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $220 | -0.544% | 44 | |
5 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | -$1,390 | -0.318% | 32 | |
6 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,601 | +0.119% | 62 | |
7 | BMO Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$756 | -0.064% | 51 | |
8 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,366 | +0.044% | 137 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,814 | +0.064% | 136 | |
10 | Charles Schwab Bank, SSB | Exceptional | Sound | Exceptional | Exceptional | Strong | $579 | -0.364% | 43 | |
11 | REDWOOD | Exceptional | Strong | Strong | Strong | Strong | $230 | -0.055% | 38 | |
12 | First-Citizens Bank & Trust Company | Exceptional | Strong | Exceptional | Strong | Sound | $242 | -0.156% | 13 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,987 | -0.059% | 60 | |
14 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$235 | -0.027% | 32 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,931 | +0.379% | 97 | |
16 | OriginPoint, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,121 | +0.307% | 41 | |
17 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,552 | +0.110% | 40 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Sound | -$107 | +0.163% | 21 | |
19 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $3,105 | +0.386% | 36 | |
20 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | Strong | $3,975 | +0.262% | 66 | |
21 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $4,711 | +0.512% | 39 |
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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