# Best Jumbo Mortgage Lenders in Washington DC

**As of:** 2026-05-28

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

> **Canonical URL:** https://saferate.com/washington-dc/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:** 77
- **Total Loans:** 5,203
- **Median Rate Spread:** 0.06932467532467533%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Citibank, National Association | 89 | 95 | 69 | 172 | Bank |
| 2 | Wells Fargo Bank, National Association | 89 | 87 | 63 | 106 | Bank |
| 3 | Bank of America, National Association | 89 | 90 | 80 | 98 | Bank |
| 4 | Morgan Stanley Private Bank, National Association | 89 | 96 | 75 | 50 | Bank |
| 5 | GUARANTEED RATE, INC. | 85 | 64 | 62 | 144 | Independent Mortgage Company |
| 6 | Truist Bank | 85 | 76 | 71 | 110 | Bank |
| 7 | Manufacturers and Traders Trust Company | 85 | 80 | 79 | 91 | Bank |
| 8 | Citizens Bank, National Association | 85 | 68 | 69 | 47 | Bank |
| 9 | JPMorgan Chase Bank, National Association | 83 | 49 | 64 | 334 | Bank |
| 10 | Bank-Fund Staff Federal Credit Union | 83 | 93 | 58 | 129 | Credit Union |
| 11 | U.S. Bank National Association | 83 | 88 | 76 | 33 | Bank |
| 12 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 83 | 91 | 75 | 22 | Credit Union |
| 13 | PNC Bank, National Association | 79 | 53 | 68 | 64 | Bank |
| 14 | Fulton Bank, National Association | 79 | 47 | 67 | 53 | Bank |
| 15 | TD Bank, National Association | 79 | 51 | 72 | 44 | Bank |
| 16 | Prosperity Home Mortgage, LLC | 75 | 35 | 62 | 211 | Independent Mortgage Company |
| 17 | OriginPoint, LLC | 73 | 53 | 58 | 45 | Independent Mortgage Company |
| 18 | First National Bank of Pennsylvania | 73 | 58 | 76 | 40 | Bank |
| 19 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 40 | 70 | 122 | Independent Mortgage Company |
| 20 | EMBRACE HOME LOANS, INC. | 67 | 32 | 66 | 63 | Independent Mortgage Company |
| 21 | FIRST SAVINGS MORTGAGE CORPORATION | 63 | 10 | 75 | 424 | 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 Washington DC.

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.