# Best Jumbo Mortgage Lenders in Wilmington, NC

**As of:** 2026-05-20

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

> **Canonical URL:** https://saferate.com/wilmington-nc/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:** 104
- **Total Loans:** 8,058
- **Median Rate Spread:** 0.2026116504854369%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | STATE EMPLOYEES' | 95 | 80 | 71 | 448 | Credit Union |
| 2 | GUARANTEED RATE, INC. | 89 | 64 | 62 | 401 | Independent Mortgage Company |
| 3 | First-Citizens Bank & Trust Company | 89 | 73 | 75 | 168 | Bank |
| 4 | Wells Fargo Bank, National Association | 89 | 87 | 63 | 104 | Bank |
| 5 | North State Bank | 89 | 80 | 71 | 99 | Bank |
| 6 | Bank of America, National Association | 89 | 90 | 80 | 70 | Bank |
| 7 | CORNING CREDIT UNION | 85 | 79 | 60 | 167 | Credit Union |
| 8 | Truist Bank | 85 | 76 | 71 | 136 | Bank |
| 9 | Fifth Third Bank, National Association | 85 | 74 | 70 | 49 | Bank |
| 10 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 554 | Independent Mortgage Company |
| 11 | MOVEMENT MORTGAGE, LLC | 83 | 41 | 68 | 305 | Independent Mortgage Company |
| 12 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 297 | Independent Mortgage Company |
| 13 | First National Bank of Pennsylvania | 83 | 58 | 76 | 246 | Bank |
| 14 | First Bank | 83 | 83 | 58 | 112 | Bank |
| 15 | Morgan Stanley Private Bank, National Association | 83 | 96 | 75 | 30 | Bank |
| 16 | JPMorgan Chase Bank, National Association | 79 | 49 | 64 | 66 | Bank |
| 17 | COASTAL Federal Credit Union | 79 | 41 | 87 | 42 | Credit Union |
| 18 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 34 | 71 | 351 | Independent Mortgage Company |
| 19 | American Security Mortgage Corp. | 74 | 57 | 65 | 99 | Independent Mortgage Company |
| 20 | TD Bank, National Association | 73 | 51 | 72 | 29 | Bank |
| 21 | PNC Bank, National Association | 73 | 53 | 68 | 27 | Bank |
| 22 | Integrity Home Mortgage Corporation | 71 | 22 | 63 | 151 | Independent Mortgage Company |
| 23 | Towne Bank | 71 | 21 | 68 | 124 | Bank |
| 24 | Primis Mortgage Company | 63 | 35 | 45 | 103 | Independent Mortgage Company |
| 25 | United Bank | 63 | 34 | 72 | 27 | Bank |
| 26 | Presidential Bank, FSB | 53 | 26 | 34 | 51 | 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 Wilmington, NC.

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.