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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 Lenders in Sacramento
Updated February 5, 2026
Market Overview
183
Total Lenders
25,209
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | GOOGAIN, INC. | Exceptional | Exceptional | Exceptional | Strong | -$938 | +0.017% | 66 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,244 | -0.039% | 196 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $567 | -0.370% | 115 | |
4 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $267 | -0.486% | 53 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,882 | +0.149% | 5,307 | |
6 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $788 | -0.006% | 502 | |
7 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,742 | -0.160% | 186 | |
8 | SCHOOLSFIRST | Strong | Strong | Strong | Strong | $452 | -0.020% | 116 | |
9 | Citibank, National Association | Strong | Exceptional | Sound | Sound | -$130 | -0.098% | 54 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,216 | -0.164% | 860 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,789 | +0.037% | 273 | |
12 | SAFE Credit Union | Strong | Sound | Strong | Exceptional | $1,946 | +0.060% | 257 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,553 | +0.165% | 2,498 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,281 | +0.276% | 828 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,913 | +0.074% | 354 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,981 | +0.130% | 303 | |
17 | THE GOLDEN 1 | Strong | Sound | Sound | Exceptional | $715 | +0.140% | 287 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,542 | -0.008% | 199 | |
19 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,679 | +0.124% | 177 | |
20 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $1,135 | +0.591% | 85 | |
21 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | $3,088 | +0.302% | 81 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $2,233 | +0.328% | 57 | |
23 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Exceptional | $2,761 | +0.268% | 701 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,618 | +0.157% | 186 | |
25 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,396 | +0.269% | 181 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,746 | +0.374% | 136 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $4,231 | +0.307% | 133 | |
28 | BMO Bank National Association | Strong | Sound | Sound | Strong | $557 | +0.037% | 111 | |
29 | NMSI, INC. | Strong | Acceptable | Exceptional | Strong | $3,411 | +0.248% | 94 | |
30 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $1,369 | +0.083% | 74 | |
31 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $2,419 | +0.307% | 73 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $3,866 | +0.416% | 700 | |
33 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $3,118 | +0.382% | 352 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,785 | +0.367% | 341 | |
35 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $4,218 | +0.221% | 309 | |
36 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,555 | +0.340% | 276 | |
37 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $3,086 | +0.149% | 262 | |
38 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $3,050 | +0.298% | 154 | |
39 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,815 | +0.024% | 142 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,695 | +0.098% | 135 | |
41 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $4,708 | +0.726% | 122 | |
42 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | $4,270 | +0.253% | 105 | |
43 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,673 | +0.219% | 91 | |
44 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $4,126 | +0.096% | 80 | |
45 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,747 | +0.292% | 79 | |
46 | PEAK RESIDENTIAL LENDING INC | Strong | Acceptable | Strong | Strong | $3,805 | +0.246% | 75 | |
47 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Sound | $2,697 | +0.276% | 63 | |
48 | STG MORTGAGE INC | Strong | Sound | Sound | Sound | $2,326 | +0.125% | 53 | |
49 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,288 | +0.322% | 315 | |
50 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,384 | +0.260% | 196 |
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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