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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 Company Lenders in Modesto
Updated February 5, 2026
Market Overview
44
Total Lenders
4,010
Total Loans
0.28%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $981 | -0.207% | 13 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,848 | +0.234% | 691 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,145 | +0.211% | 445 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,526 | +0.026% | 119 | |
5 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,719 | +0.500% | 219 | |
6 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,912 | +0.383% | 170 | |
7 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $5,527 | +0.430% | 140 | |
8 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,385 | +0.399% | 139 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $6,154 | +0.462% | 112 | |
10 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,282 | +0.393% | 64 | |
11 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,155 | +0.343% | 50 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,579 | +0.002% | 33 | |
13 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,565 | +0.406% | 232 | |
14 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $5,870 | +0.377% | 113 | |
15 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,643 | +0.425% | 40 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $4,326 | +0.223% | 37 | |
17 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $5,809 | +0.163% | 33 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $4,002 | +0.384% | 32 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,379 | +0.424% | 24 | |
20 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,846 | +0.542% | 23 | |
21 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $7,366 | +0.610% | 22 | |
22 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $5,554 | +0.413% | 16 | |
23 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $5,683 | +0.494% | 15 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,237 | +0.248% | 13 | |
25 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Sound | $2,220 | +0.437% | 13 | |
26 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Sound | $2,712 | +0.457% | 10 | |
27 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $7,302 | +0.515% | 62 | |
28 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,801 | +0.656% | 24 | |
29 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $3,566 | +0.484% | 18 | |
30 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $5,205 | +0.377% | 16 | |
31 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,917 | +0.432% | 15 | |
32 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,510 | -0.067% | 35 | |
33 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $3,961 | +0.509% | 32 | |
34 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,147 | +0.726% | 14 | |
35 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $7,097 | +0.473% | 11 | |
36 | FlexPoint, Inc. | Sound | Mediocre | Strong | Sound | Strong | $3,518 | +0.431% | 66 | |
37 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Strong | $5,062 | +0.704% | 51 | |
38 | JMAC LENDING, INC. | Sound | Acceptable | Strong | Acceptable | Sound | $5,687 | +0.407% | 13 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $4,338 | +0.564% | 11 | |
40 | DIRECTIONS EQUITY, LLC | Sound | Mediocre | Sound | Sound | Strong | $5,301 | +0.368% | 29 | |
41 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Sound | Sound | $5,368 | +0.388% | 14 | |
42 | AMERITRUST MORTGAGE CORPORATION | Sound | Mediocre | Sound | Acceptable | Sound | $3,841 | +0.661% | 10 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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