Rankings
Best Mortgage Lenders in Sacramento
Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!
Sacramento Market Insights
- Googain is Safe Rate's top-ranked lender in Sacramento, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
- Top-ranked by institution type in Sacramento: Bank: Morgan Stanley Private Bank National Association (#4). Credit union: Schoolsfirst (#3). Mortgage company: Googain (#1).
- There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Sacramento, Morgan Stanley Private Bank National Association and Navy Federal Credit Union scores highest on pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
- United Wholesale Mortgage (UWM) ranks #2 in Sacramento, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
- Popular names in Sacramento: Rocket Mortgage (#8) and United Wholesale Mortgage (#2).
Explore Rankings by Type
By Loan Product
Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.
By Institution Type
Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!
Shopping for a mortgage? Hit Get Quote on any lender to add it to My Home and request real quotes.
Eric Bernstein
LendFriend · NMLS #1486987
Eric is a verified Safe Rate partner and licensed broker who actively works with Rocket Mortgage.
Also approved with: The Loan Store (#9), Kind Lending (#19), PennyMac Loan Services (#25), CMG Mortgage (#26), Paramount Residential Mortgage Group (#33), NewRez (#44)
Eric Bernstein
LendFriend · NMLS #1486987
Eric is a verified Safe Rate partner and licensed broker who actively works with The Loan Store.
Also approved with: Rocket Mortgage (#8), Kind Lending (#19), PennyMac Loan Services (#25), CMG Mortgage (#26), Paramount Residential Mortgage Group (#33), NewRez (#44)
Eric Bernstein
LendFriend · NMLS #1486987
Eric is a verified Safe Rate partner and licensed broker who actively works with Kind Lending.
Also approved with: Rocket Mortgage (#8), The Loan Store (#9), PennyMac Loan Services (#25), CMG Mortgage (#26), Paramount Residential Mortgage Group (#33), NewRez (#44)
Eric Bernstein
LendFriend · NMLS #1486987
Eric is a verified Safe Rate partner and licensed broker who actively works with PennyMac Loan Services.
Also approved with: Rocket Mortgage (#8), The Loan Store (#9), Kind Lending (#19), CMG Mortgage (#26), Paramount Residential Mortgage Group (#33), NewRez (#44)
Eric Bernstein
LendFriend · NMLS #1486987
Eric is a verified Safe Rate partner and licensed broker who actively works with CMG Mortgage.
Also approved with: Rocket Mortgage (#8), The Loan Store (#9), Kind Lending (#19), PennyMac Loan Services (#25), Paramount Residential Mortgage Group (#33), NewRez (#44)
Eric Bernstein
LendFriend · NMLS #1486987
Eric is a verified Safe Rate partner and licensed broker who actively works with Paramount Residential Mortgage Group.
Also approved with: Rocket Mortgage (#8), The Loan Store (#9), Kind Lending (#19), PennyMac Loan Services (#25), CMG Mortgage (#26), NewRez (#44)
Eric Bernstein
LendFriend · NMLS #1486987
Eric is a verified Safe Rate partner and licensed broker who actively works with NewRez.
Also approved with: Rocket Mortgage (#8), The Loan Store (#9), Kind Lending (#19), PennyMac Loan Services (#25), CMG Mortgage (#26), Paramount Residential Mortgage Group (#33)
| Rank | Lender | Safe Rate Score | Loan Economics | Action | |||||
|---|---|---|---|---|---|---|---|---|---|
| Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | |||
1 | Independent Mortgage CompanyDirect | Strong | Exceptional | Exceptional | Strong | $938Credit | 0.017%Above | 66 | |
2 | Independent Mortgage CompanyWholesaleHasn't responded yet | Strong | Sound* | Exceptional | Exceptional | $2,882Fees | 0.149%Above | 5,307 | |
3 | Credit UnionDirect | Strong | Strong | Strong | Strong | $452Fees | 0.020%Below | 116 | |
4 | BankDirect | Strong | Exceptional | Strong | Sound | $267Fees | 0.486%Below | 53 | |
5 | Credit UnionDirect | Strong | Exceptional | Sound | Strong | $567Fees | 0.370%Below | 115 | |
6 | Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Exceptional | $2,216Fees | 0.164%Below | 860 | |
7 | Independent Mortgage CompanyWholesale | Strong | Exceptional* | Sound | Strong | $1,244Fees | 0.039%Below | 196 | |
8 | Independent Mortgage CompanyDirect & WholesaleHasn't responded yet | Strong | Acceptable* | Exceptional | Exceptional | $3,553Fees | 0.165%Above | 2,498 | |
Verified Broker PartnerSponsored Eric BernsteinLendFriend · NMLS #1486987 Eric is a verified Safe Rate partner and licensed broker who actively works with Rocket Mortgage. Also approved with: The Loan Store (#9), Kind Lending (#19), PennyMac Loan Services (#25), CMG Mortgage (#26), Paramount Residential Mortgage Group (#33), NewRez (#44) | |||||||||
9 | Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Exceptional | $2,761Fees | 0.268%Above | 701 | |
Verified Broker PartnerSponsored Eric BernsteinLendFriend · NMLS #1486987 Eric is a verified Safe Rate partner and licensed broker who actively works with The Loan Store. Also approved with: Rocket Mortgage (#8), Kind Lending (#19), PennyMac Loan Services (#25), CMG Mortgage (#26), Paramount Residential Mortgage Group (#33), NewRez (#44) | |||||||||
10 | Credit UnionDirect | Strong | Sound | Strong | Exceptional | $1,946Fees | 0.060%Above | 257 | |
11 | BankDirectHasn't responded yet | Strong | Strong | Strong | Strong | $1,742Fees | 0.160%Below | 186 | |
12 | Credit UnionDirect | Strong | Sound | Sound | Exceptional | $715Fees | 0.140%Above | 287 | |
13 | BankDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,981Fees | 0.130%Above | 303 | |
14 | BankDirect | Strong | Strong | Sound | Strong | $1,789Fees | 0.037%Above | 273 | |
15 | Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $3,088Fees | 0.302%Above | 81 | |
16 | Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $4,281Fees | 0.276%Above | 828 | |
17 | Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,542Fees | 0.008%Below | 199 | |
18 | Independent Mortgage CompanyWholesale | Strong | Acceptable* | Exceptional | Strong | $3,411Fees | 0.248%Above | 94 | |
19 | Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Strong | $3,118Fees | 0.382%Above | 352 | |
Verified Broker PartnerSponsored Eric BernsteinLendFriend · NMLS #1486987 Eric is a verified Safe Rate partner and licensed broker who actively works with Kind Lending. Also approved with: Rocket Mortgage (#8), The Loan Store (#9), PennyMac Loan Services (#25), CMG Mortgage (#26), Paramount Residential Mortgage Group (#33), NewRez (#44) | |||||||||
20 | Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Strong | Strong | $4,218Fees | 0.221%Above | 309 | |
21 | BankDirect & Wholesale | Strong | Acceptable* | Strong | Strong | $3,086Fees | 0.149%Above | 262 | |
22 | Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $3,396Fees | 0.269%Above | 181 | |
23 | Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Sound | $2,233Fees | 0.328%Above | 57 | |
24 | Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Exceptional | $3,866Fees | 0.416%Above | 700 | |
25 | Independent Mortgage CompanyDirect & WholesaleHasn't responded yet | Strong | Sound* | Strong | Strong | $1,913Fees | 0.074%Above | 354 | |
Verified Broker PartnerSponsored Eric BernsteinLendFriend · NMLS #1486987 Eric is a verified Safe Rate partner and licensed broker who actively works with PennyMac Loan Services. Also approved with: Rocket Mortgage (#8), The Loan Store (#9), Kind Lending (#19), CMG Mortgage (#26), Paramount Residential Mortgage Group (#33), NewRez (#44) | |||||||||
26 | Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $2,618Fees | 0.157%Above | 186 | |
Verified Broker PartnerSponsored Eric BernsteinLendFriend · NMLS #1486987 Eric is a verified Safe Rate partner and licensed broker who actively works with CMG Mortgage. Also approved with: Rocket Mortgage (#8), The Loan Store (#9), Kind Lending (#19), PennyMac Loan Services (#25), Paramount Residential Mortgage Group (#33), NewRez (#44) | |||||||||
27 | BankDirect | Strong | Sound | Sound | Strong | $557Fees | 0.037%Above | 111 | |
28 | Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $1,135Fees | 0.591%Above | 85 | |
29 | BankDirectHasn't responded yet | Sound | Strong | Strong | Strong | $788Fees | 0.006%Below | 502 | |
30 | Independent Mortgage CompanyDirect | Sound | Sound | Strong | Strong | $2,679Fees | 0.124%Above | 177 | |
31 | Independent Mortgage CompanyWholesale | Sound | — | Strong | Strong | — | — | 131 | |
32 | Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | $4,231Fees | 0.307%Above | 133 | |
33 | Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | Strong | $3,555Fees | 0.340%Above | 276 | |
Verified Broker PartnerSponsored Eric BernsteinLendFriend · NMLS #1486987 Eric is a verified Safe Rate partner and licensed broker who actively works with Paramount Residential Mortgage Group. Also approved with: Rocket Mortgage (#8), The Loan Store (#9), Kind Lending (#19), PennyMac Loan Services (#25), CMG Mortgage (#26), NewRez (#44) | |||||||||
34 | Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | $4,746Fees | 0.374%Above | 136 | |
35 | Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $4,126Fees | 0.096%Above | 80 | |
36 | Independent Mortgage CompanyWholesale | Sound | Sound* | Sound | Strong | $1,369Fees | 0.083%Above | 74 | |
37 | Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $3,785Fees | 0.367%Above | 341 | |
38 | Independent Mortgage CompanyDirect | Sound | Mediocre | Exceptional | Strong | $4,242Fees | 0.383%Above | 170 | |
39 | Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $3,695Fees | 0.098%Above | 135 | |
40 | Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $3,805Fees | 0.246%Above | 75 | |
41 | Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $4,270Fees | 0.253%Above | 105 | |
42 | Independent Mortgage CompanyWholesale | Sound | Acceptable* | Strong | Sound | $3,607Fees | 0.242%Above | 74 | |
43 | Independent Mortgage CompanyDirect | Sound | Sound | Strong | Sound | $2,419Fees | 0.307%Above | 73 | |
44 | Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Sound | Strong | $2,384Fees | 0.260%Above | 196 | |
Verified Broker PartnerSponsored Eric BernsteinLendFriend · NMLS #1486987 Eric is a verified Safe Rate partner and licensed broker who actively works with NewRez. Also approved with: Rocket Mortgage (#8), The Loan Store (#9), Kind Lending (#19), PennyMac Loan Services (#25), CMG Mortgage (#26), Paramount Residential Mortgage Group (#33) | |||||||||
45 | Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $2,815Fees | 0.024%Above | 142 | |
46 | Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $3,050Fees | 0.298%Above | 154 | |
47 | Independent Mortgage CompanyDirect | Sound | Mediocre | Exceptional | Strong | $6,288Fees | 0.355%Above | 129 | |
48 | BankWholesale | Sound | Acceptable* | Strong | Sound | $2,827Fees | 0.311%Above | 58 | |
49 | BankDirectHasn't responded yet | Sound | Exceptional | Sound | Sound | $130Credit | 0.098%Below | 54 | |
50 | Independent Mortgage CompanyDirect | Sound | Acceptable | Sound | Strong | $4,288Fees | 0.322%Above | 315 | |
Frequently Asked Questions
How are mortgage lenders ranked in Sacramento?+−
Safe Rate ranks lenders using the 5 Ps framework. Four are derived from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Sacramento), and Product (performance on specific loan types). The fifth, Promptness, is behavioral: it credits lenders who answer real shopper quote requests quickly. Each lender receives a composite Safe Rate Score from 0 to 100. No lender pays to appear in the rankings.
What is the Safe Rate Score?+−
The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.
How many mortgage lenders are active in Sacramento?+−
Based on 2024 HMDA data, 183 lenders originated a combined 25,209 loans in Sacramento. Safe Rate's rankings evaluate all of them — not just a curated shortlist.
What does the rate spread tell me about a lender in Sacramento?+−
Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Sacramento is 0.24%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.
What is HMDA data and why does Safe Rate use it?+−
HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.
Does Safe Rate accept payment from lenders to appear in rankings?+−
No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.
What is the difference between a bank, credit union, and independent mortgage company?+−
Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Sacramento's rankings, all three institution types are evaluated on the same HMDA performance metrics.
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
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.
Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.