Safe Rate Rankings

Best Jumbo Mortgage Lenders in Washington DC

Updated May 28, 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 Lenders77

Total Loans5,203

Median Rate Spread0.07%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$435Fees	0.344%Below	172
2	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,723Fees	0.136%Below	106
3	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,701Fees	0.289%Below	98
4	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$265Fees	0.548%Below	50
5	Bank-Fund Staff Federal Credit UnionCredit Union	Exceptional	Exceptional	Strong	Sound	Exceptional	$1,176Credit	0.114%Below	129
6	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$920Credit	0.060%Below	33
7	STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATEDCredit Union	Exceptional	Exceptional	Exceptional	Strong	Sound	$1,521Fees	0.731%Below	22
8	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,584Fees	0.019%Below	144
9	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$259Credit	0.107%Below	110
10	Manufacturers and Traders Trust CompanyBank	Exceptional	Strong	Exceptional	Strong	Strong	$77Fees	0.128%Below	91
11	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,447Fees	0.094%Below	47
12	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,924Fees	0.044%Above	334
13	PNC Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$677Fees	0.038%Below	64
14	Fulton Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,386Fees	0.262%Above	53
15	TD Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$23Credit	0.105%Above	44
16	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,927Fees	0.152%Above	211
17	OriginPoint, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,175Fees	0.144%Above	45
18	First National Bank of PennsylvaniaBank	Strong	Sound	Exceptional	Strong	Sound	$1,264Fees	0.004%Above	40
19	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,356Fees	0.276%Above	122
20	FIRST SAVINGS MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,339Fees	0.242%Above	424
21	EMBRACE HOME LOANS, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,703Fees	0.321%Above	63

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.