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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Company Lenders in Merced
Updated February 5, 2026
Market Overview
20
Total Lenders
1,607
Total Loans
0.41%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,707 | +0.220% | 349 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,380 | +0.267% | 160 | |
3 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $2,464 | +0.831% | 47 | |
4 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $5,294 | +0.315% | 44 | |
5 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Strong | Exceptional | $6,050 | +0.490% | 102 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $6,018 | +0.393% | 44 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $4,040 | +0.091% | 32 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,228 | +0.115% | 21 | |
9 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,612 | +0.529% | 55 | |
10 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $3,490 | +0.393% | 46 | |
11 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | $4,140 | +0.311% | 43 | |
12 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $6,991 | +0.571% | 33 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $6,994 | +0.240% | 28 | |
14 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | $4,870 | +0.232% | 21 | |
15 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $5,305 | +0.244% | 53 | |
16 | GOLDEN EMPIRE MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | $6,772 | +0.461% | 36 | |
17 | OCMBC, INC. | Sound | Acceptable | Strong | Sound | $4,726 | +0.477% | 27 | |
18 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Acceptable | Sound | Strong | $4,946 | +0.510% | 25 | |
19 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $6,062 | +0.509% | 21 | |
20 | FlexPoint, Inc. | Sound | Mediocre | Sound | Strong | $4,577 | +0.519% | 37 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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