Safe Rate Rankings

Best Jumbo Mortgage Lenders in Stockton

Updated May 23, 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 Lenders98

Total Loans7,528

Median Rate Spread0.25%

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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	$290Fees	0.012%Below	222
2	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$253Fees	0.166%Below	83
3	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$2,261Fees	0.031%Below	57
4	STAR ONE Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Strong	Strong	$173Credit	0.547%Below	49
5	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$1,492Credit	0.377%Below	42
6	Provident Credit UnionCredit Union	Exceptional	Exceptional	Strong	Exceptional	Sound	$69Fees	0.927%Below	22
7	Patelco Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Strong	Sound	$762Fees	0.397%Below	21
8	THE GOLDEN 1Credit Union	Exceptional	Strong	Exceptional	Strong	Strong	$603Credit	0.057%Above	47
9	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,289Fees	0.173%Above	1,231
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,548Fees	0.190%Above	745
11	Zions Bancorporation, N.A.Bank	Exceptional	Strong	Exceptional	Sound	Strong	$530Fees	0.043%Below	62
12	BMO Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$902Fees	0.099%Above	43
13	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Exceptional	$2,657Fees	0.078%Below	399
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,567Fees	0.002%Below	111
15	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,449Fees	0.254%Above	82
16	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Strong	Strong	Strong	Sound	$1,380Fees	0.244%Above	28
17	PNC Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$474Fees	0.084%Above	19
18	SAFE Credit UnionCredit Union	Strong	Acceptable	Strong	Strong	Strong	$1,475Fees	0.114%Above	64
19	NexBankBank	Strong	Acceptable	Exceptional	Strong	Sound	$72Credit	0.420%Above	18

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.