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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 Modesto
Updated February 5, 2026
Market Overview
28
Total Lenders
3,677
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,848 | +0.234% | 691 | |
2 | DIRECTIONS EQUITY, LLC | Strong | Sound | Exceptional | Strong | $5,301 | +0.368% | 29 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,145 | +0.211% | 445 | |
4 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $4,385 | +0.399% | 139 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $1,526 | +0.026% | 119 | |
6 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,719 | +0.500% | 219 | |
7 | KIND LENDING, LLC | Strong | Acceptable | Strong | Exceptional | $2,912 | +0.383% | 170 | |
8 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Exceptional | $5,527 | +0.430% | 140 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $6,154 | +0.462% | 112 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $4,326 | +0.223% | 37 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,579 | +0.002% | 33 | |
12 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $5,565 | +0.406% | 232 | |
13 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | $5,870 | +0.377% | 113 | |
14 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $4,282 | +0.393% | 64 | |
15 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $5,062 | +0.704% | 51 | |
16 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $4,155 | +0.343% | 50 | |
17 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $4,510 | -0.067% | 35 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $4,002 | +0.384% | 32 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $4,379 | +0.424% | 24 | |
20 | GOLDEN EMPIRE MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | $7,302 | +0.515% | 62 | |
21 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $3,643 | +0.425% | 40 | |
22 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $5,809 | +0.163% | 33 | |
23 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,846 | +0.542% | 23 | |
24 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $3,961 | +0.509% | 32 | |
25 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $3,801 | +0.656% | 24 | |
26 | FlexPoint, Inc. | Sound | Mediocre | Sound | Strong | $3,518 | +0.431% | 66 | |
27 | 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)
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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