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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 Conventional 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$2,829	+0.254%	47
2	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$981	-0.207%	13
3	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$174	-0.474%	12
4	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$2,626	+0.130%	17
5	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,848	+0.234%	691
6	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,145	+0.211%	445
7	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$1,526	+0.026%	119
8	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$4,185	+0.157%	115
9	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$1,815	-0.109%	35
10	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,719	+0.500%	219
11	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,912	+0.383%	170
12	Northpointe Bank	Strong	Sound	Exceptional	Strong	Sound	$2,573	-0.462%	13
13	BMO Bank National Association	Strong	Strong	Strong	Sound	Sound	$2,095	+0.262%	13
14	SCENIC OAKS FUNDING, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$5,527	+0.430%	140
15	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$4,385	+0.399%	139
16	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$6,154	+0.462%	112
17	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$4,282	+0.393%	64
18	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$4,155	+0.343%	50
19	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Sound	$2,579	+0.002%	33
20	Tri Counties Bank	Strong	Strong	Sound	Sound	Sound	-$2,337	-0.162%	17
21	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,565	+0.406%	232
22	Synergy One Lending, Inc.	Strong	Acceptable	Strong	Strong	Strong	$5,870	+0.377%	113
23	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,643	+0.425%	40
24	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Sound	$4,326	+0.223%	37
25	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$5,809	+0.163%	33
26	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$4,002	+0.384%	32
27	THE GOLDEN 1	Strong	Sound	Strong	Sound	Sound	$1,613	+0.089%	26
28	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$4,379	+0.424%	24
29	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,846	+0.542%	23
30	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$7,366	+0.610%	22
31	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$5,554	+0.413%	16
32	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Sound	$2,712	+0.386%	16
33	LEADERONE FINANCIAL CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$5,683	+0.494%	15
34	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,237	+0.248%	13
35	RESICENTRAL, LLC	Strong	Sound	Strong	Sound	Sound	$2,220	+0.437%	13
36	STG MORTGAGE INC	Strong	Sound	Strong	Sound	Sound	$2,712	+0.457%	10
37	GOLDEN EMPIRE MORTGAGE, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$7,302	+0.515%	62
38	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,801	+0.656%	24
39	MASON MCDUFFIE MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Sound	$3,566	+0.484%	18
40	FRANKLIN LOAN CORPORATION	Strong	Acceptable	Strong	Strong	Sound	$5,205	+0.377%	16
41	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,917	+0.432%	15
42	Umpqua Bank	Strong	Acceptable	Strong	Strong	Sound	$3,218	+0.434%	11
43	NFM, INC.	Sound	Mediocre	Exceptional	Strong	Sound	$4,510	-0.067%	35
44	ALAMEDA MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Strong	Sound	$3,961	+0.509%	32
45	EVERETT FINANCIAL, INC.	Sound	Mediocre	Exceptional	Strong	Sound	$4,147	+0.726%	14
46	SUMMIT FUNDING, INC.	Sound	Mediocre	Exceptional	Strong	Sound	$7,097	+0.473%	11
47	FlexPoint, Inc.	Sound	Mediocre	Strong	Sound	Strong	$3,518	+0.431%	66
48	OCMBC, INC.	Sound	Mediocre	Strong	Sound	Strong	$5,062	+0.704%	51
49	JMAC LENDING, INC.	Sound	Acceptable	Strong	Acceptable	Sound	$5,687	+0.407%	13
50	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Strong	Acceptable	Sound	$4,338	+0.564%	11

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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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Modesto, CAConventional

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