14 Best Mortgage Lenders for Jumbo Loans in 2025
Jumbo loans are for homes with prices that exceed the conforming loan limit. We'll help you find the best jumbo loan lenders.
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If you're shopping for a mortgage in a high-cost area or buying an especially expensive home, you may be looking for a jumbo loan — one that's too big to fit Fannie Mae's and Freddie Mac's requirements for conforming loans.
If you're in the market for a jumbo mortgage, it's essential to choose a lender with experience dealing with the special requirements of jumbo loans.
NerdWallet has picked some of the best mortgage lenders for borrowers looking for a jumbo loan in a variety of categories so you can quickly determine which one is right for you.
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
14 Best Mortgage Lenders for Jumbo Loans in 2025
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Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | National / regional ▾ ▾ | Min. down payment ▾ ▾ | Learn more |
|---|---|---|---|---|
National | 10.10% | Learn more at Rocket Mortgage, LLC | ||
National | 10% | Learn more at First Federal Bank | ||
 Citibank: NMLS#412915 Compare More Lenders on NerdWallet | National | N/A | Compare More Lenders on NerdWallet | |
 U.S. Bank: NMLS#402761 Compare More Lenders on NerdWallet | National | N/A | Compare More Lenders on NerdWallet | |
National | 20% |
Understanding jumbo loan limits
Jumbos are examples of nonconforming loans — conventional mortgages that exceed the loan limits set by the Federal Housing Finance Agency or fall outside underwriting guidelines established by Fannie Mae and Freddie Mac.
Loan limits for conforming loans vary; they are highest in the country’s most expensive areas. In 2025, the limits for conforming loans are:
$806,500 for a single-family home in most areas of the U.S.
Up to $1,209,750 for high-cost areas, such as San Francisco or Virginia’s Arlington County.
Borrowers seeking mortgages above those amounts will need to consider jumbo loans.
More from NerdWallet
Last updated on January 2, 2025
Methodology
The star ratings on this page reflect each lender's performance in NerdWallet’s jumbo loans category. We scored the category and chose lenders for this page using the following methodology:
NerdWallet reviewed more than 40 mortgage lenders, including the majority of the largest U.S. mortgage lenders by annual loan volume (measured among lenders with at least a 1% market share), lenders with significant online search volume and those that specialize in serving various audiences across the country.
All reviewed mortgage lenders that offer jumbo loans were evaluated based on (1) the portion of their business dedicated to jumbo loans, (2) the minimum down payment allowed, (3) average jumbo interest rates, (4) average jumbo origination fees, (5) the range of jumbo loan types offered, (6) their rate transparency, and (7) the ease of their online application. The highest scoring lenders appear on this page.
NerdWallet solicits information from reviewed lenders on a recurring basis throughout the year. All lender-provided information is verified through lender websites and interviews. We also utilized 2023 HMDA data for origination volume, origination fee, average interest rate and share-of-product data.
NerdWallet's Best Mortgage Lenders for Jumbo Loans in 2025
- Rocket Mortgage, LLC: Best for first-time home buyers
- First Federal Bank: Best for government-backed loans
- Citibank: Best for low average mortgage rates
- U.S. Bank: Best for overall mortgage experience
- Rate: Best for fast preapproval
- PNC Bank: Best for jumbo loans overall
- Flagstar: Best for rate transparency
- Wells Fargo: Best for banking customer discounts
- loanDepot: Best for variety of loan types
- Truist: Best for traditional lending experience
- Pennymac: Best for digital experience
- Navy Federal: Best for active military and veterans
- Better: Best for fast closings
- Network Capital: Best for borrowers with weaker credit
