# Best Jumbo Mortgage Lenders in Stockton

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

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

> **Canonical URL:** https://saferate.com/stockton/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:** 98
- **Total Loans:** 7,528
- **Median Rate Spread:** 0.2544421052631579%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | U.S. Bank National Association | 89 | 88 | 76 | 222 | Bank |
| 2 | Bank of America, National Association | 89 | 90 | 80 | 83 | Bank |
| 3 | Wells Fargo Bank, National Association | 89 | 87 | 63 | 57 | Bank |
| 4 | STAR ONE Credit Union | 89 | 93 | 70 | 49 | Credit Union |
| 5 | THE GOLDEN 1 | 85 | 71 | 75 | 47 | Credit Union |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 1,231 | Independent Mortgage Company |
| 7 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 745 | Independent Mortgage Company |
| 8 | Citibank, National Association | 83 | 95 | 69 | 42 | Bank |
| 9 | Provident Credit Union | 83 | 96 | 81 | 22 | Credit Union |
| 10 | Patelco Credit Union | 83 | 89 | 64 | 21 | Credit Union |
| 11 | JPMorgan Chase Bank, National Association | 79 | 49 | 64 | 111 | Bank |
| 12 | CMG MORTGAGE, INC. | 79 | 40 | 66 | 82 | Independent Mortgage Company |
| 13 | Zions Bancorporation, N.A. | 79 | 72 | 57 | 62 | Bank |
| 14 | BMO Bank National Association | 79 | 79 | 64 | 43 | Bank |
| 15 | LOANDEPOT.COM, LLC | 77 | 52 | 59 | 399 | Independent Mortgage Company |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 74 | 64 | 77 | 28 | Independent Mortgage Company |
| 17 | PNC Bank, National Association | 73 | 53 | 68 | 19 | Bank |
| 18 | SAFE Credit Union | 67 | 40 | 75 | 64 | Credit Union |
| 19 | NexBank | 66 | 28 | 69 | 18 | Bank |

## 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 Stockton.

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.