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Best Jumbo Refinance Lenders (2026)

Compare lenders that specialize in jumbo refinance loans for high-value properties above conforming loan limits.

Top Lenders for This Situation

Rocket Mortgage

4.5

Best for: Online experience

Min. credit score

580

ConventionalFHAVAJumbo

Pros

+Streamlined online process with fast pre-approval
+Wide range of loan products including jumbo
+Highly rated mobile app and customer support

Cons

-Origination fees may be higher than some competitors
-No in-person branches for face-to-face meetings
-Limited home equity loan options

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Better

4.3

Best for: Low fees

Min. credit score

620

ConventionalFHAJumbo

Pros

+No origination fees or lender commissions
+Transparent pricing with real-time rate quotes
+Fast closing timeline in eligible markets

Cons

-No VA loans
-Limited physical locations for in-person support
-Customer service can be inconsistent during high volume

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LendingTree

4.2

Best for: Comparing multiple offers

Min. credit score

580

ConventionalFHAVAJumboUSDA

Pros

+Receive up to 5 offers from competing lenders
+Wide range of loan types and lender partners
+Helps borrowers with lower credit scores find options

Cons

-Not a direct lender (marketplace model)
-May receive marketing calls from multiple lenders
-Rates shown are estimates until lender verification

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SoFi

4.4

Best for: High-balance loans

Min. credit score

600

ConventionalJumbo

Pros

+No origination, application, or appraisal fees
+Competitive rates for well-qualified borrowers
+Unemployment forbearance program for members

Cons

-No FHA, VA, or USDA loans
-Higher minimum credit score than some competitors
-Limited loan product variety

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Guaranteed Rate

4.3

Best for: Wide loan selection

Min. credit score

620

ConventionalFHAVAJumboUSDA

Pros

+Extensive loan product menu including niche options
+Both digital and in-person support available
+Competitive rates with rate lock flexibility

Cons

-Origination fees vary by market and loan type
-Online reviews cite occasional processing delays
-Not available in all states for all products

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loanDepot

4.0

Best for: Repeat customers

Min. credit score

620

ConventionalFHAVAJumbo

Pros

+Lifetime guarantee waives lender fees on future refinances
+Available nationwide with local loan officers
+Solid digital application experience

Cons

-Higher rates reported compared to some online lenders
-Customer service ratings have fluctuated
-No USDA loans

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PennyMac

4.1

Best for: Existing PennyMac borrowers

Min. credit score

620

ConventionalFHAVAJumbo

Pros

+Simple refinance process for current PennyMac customers
+Competitive rates on conforming and government loans
+No in-person visit required

Cons

-Limited branch locations
-Less competitive for jumbo or non-conforming loans
-Online tools are functional but not best-in-class

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Chase

4.2

Best for: Existing Chase customers

Min. credit score

620

ConventionalFHAVAJumbo

Pros

+Rate discounts for existing Chase banking customers
+Nationwide branch network for in-person support
+Strong reputation and financial stability

Cons

-Less competitive rates without relationship discounts
-Approval process can be slower than online-only lenders
-No USDA loans

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Wells Fargo

3.9

Best for: In-person service

Min. credit score

620

ConventionalFHAVAJumbo

Pros

+Large branch network for face-to-face support
+Closing cost assistance programs available
+Wide range of conventional and government loan products

Cons

-Online application experience lags behind digital-first lenders
-Past regulatory issues may concern some borrowers
-Rates may not be the most competitive for all profiles

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Navy Federal Credit Union

4.6

Best for: Military and VA loans

Min. credit score

580

ConventionalVAJumbo

Pros

+Excellent VA loan terms with no PMI
+Lower credit score requirements for military members
+Consistently high customer satisfaction ratings

Cons

-Membership limited to military, veterans, and families
-No FHA or USDA loans
-Branch locations concentrated near military bases

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Relevant Loan Types

Jumbo

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Use real Federal Reserve data to calculate your potential refinance savings for this scenario.

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Frequently Asked Questions

What is the conforming loan limit for 2026?

The conforming loan limit varies by county. In most areas, it is $766,550 for a single-family home. In high-cost areas, it can go up to $1,149,825. Loans above these limits are considered jumbo.

What credit score do I need for a jumbo refinance?

Most jumbo lenders require a minimum credit score of 700 to 720. Some may accept 680 with compensating factors like significant assets or low DTI.

Are jumbo refinance rates higher than conforming?

Historically, jumbo rates were higher, but they have been competitive with or even lower than conforming rates in recent years due to competition among lenders for high-value borrowers.

How much equity do I need for a jumbo refinance?

Most jumbo lenders require 20% to 30% equity for a rate-and-term refinance. Cash-out jumbo refinances typically require 30% or more equity remaining.

Can I get a jumbo loan with less than 20% down?

Some lenders offer jumbo loans with as little as 10% equity, but you will likely pay a higher rate and may need to carry private mortgage insurance.

This page is for educational purposes only and does not constitute financial advice. Wirly is not a lender or mortgage broker. Individual rates, terms, and eligibility vary by lender and borrower profile. Consult a licensed mortgage professional for personalized guidance.