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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 Lenders in Modesto

Updated February 5, 2026

Market Overview

Total Lenders

4,010

Total Loans

0.28%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$3,848	+0.234%	691
2	U.S. Bank National Association	Strong	Strong	Strong	Strong	$2,829	+0.254%	47
3	DIRECTIONS EQUITY, LLC	Strong	Sound	Exceptional	Strong	$5,301	+0.368%	29
4	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,145	+0.211%	445
5	GUARANTEED RATE, INC.	Strong	Sound	Strong	Strong	$4,385	+0.399%	139
6	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Strong	$1,526	+0.026%	119
7	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Strong	$4,185	+0.157%	115
8	Wells Fargo Bank, National Association	Strong	Strong	Sound	Sound	$1,815	-0.109%	35
9	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	$4,719	+0.500%	219
10	KIND LENDING, LLC	Strong	Acceptable	Strong	Exceptional	$2,912	+0.383%	170
11	SCENIC OAKS FUNDING, LLC	Strong	Acceptable	Strong	Exceptional	$5,527	+0.430%	140
12	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	$6,154	+0.462%	112
13	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	$4,326	+0.223%	37
14	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Sound	$2,579	+0.002%	33
15	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	$5,565	+0.406%	232
16	Synergy One Lending, Inc.	Strong	Acceptable	Strong	Strong	$5,870	+0.377%	113
17	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Strong	Strong	$4,282	+0.393%	64
18	OCMBC, INC.	Strong	Acceptable	Strong	Strong	$5,062	+0.704%	51
19	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Strong	Strong	$4,155	+0.343%	50
20	NFM, INC.	Strong	Acceptable	Exceptional	Sound	$4,510	-0.067%	35
21	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Sound	$4,002	+0.384%	32
22	THE GOLDEN 1	Strong	Sound	Sound	Sound	$1,613	+0.089%	26
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	$4,379	+0.424%	24
24	GOLDEN EMPIRE MORTGAGE, INC.	Sound	Mediocre	Exceptional	Strong	$7,302	+0.515%	62
25	THE LOAN STORE, INC.	Sound	Acceptable	Strong	Sound	$3,643	+0.425%	40
26	Sierra Pacific Mortgage Company, Inc.	Sound	Acceptable	Strong	Sound	$5,809	+0.163%	33
27	NATIONSTAR MORTGAGE LLC	Sound	Acceptable	Strong	Sound	$3,846	+0.542%	23
28	ALAMEDA MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Sound	$3,961	+0.509%	32
29	NEW AMERICAN FUNDING, LLC	Sound	Acceptable	Sound	Sound	$3,801	+0.656%	24
30	FlexPoint, Inc.	Sound	Mediocre	Sound	Strong	$3,518	+0.431%	66
31	PRIMARY RESIDENTIAL MORTGAGE, INC.	Sound	Mediocre	Strong	Sound	$7,366	+0.610%	22

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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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