# Best Mortgage Lenders in Sacramento

**As of:** 2026-05-23

Compare the top mortgage lenders in Sacramento. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/sacramento/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 183
- **Total Loans:** 25,209
- **Median Rate Spread:** 0.24468156424581006%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | GOOGAIN, INC. | 93 | 83 | 82 | 66 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 5,307 | Independent Mortgage Company |
| 3 | U.S. Bank National Association | 80 | 75 | 71 | 502 | Bank |
| 4 | Bank of America, National Association | 80 | 73 | 75 | 186 | Bank |
| 5 | SCHOOLSFIRST | 80 | 79 | 72 | 116 | Credit Union |
| 6 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 860 | Independent Mortgage Company |
| 7 | SAFE Credit Union | 78 | 53 | 65 | 257 | Credit Union |
| 8 | PROVIDENT FUNDING ASSOCIATES, L.P. | 78 | 83 | 55 | 196 | Independent Mortgage Company |
| 9 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 115 | Credit Union |
| 10 | Morgan Stanley Private Bank, National Association | 78 | 94 | 66 | 53 | Bank |
| 11 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 2,498 | Independent Mortgage Company |
| 12 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 828 | Independent Mortgage Company |
| 13 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 354 | Independent Mortgage Company |
| 14 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 303 | Bank |
| 15 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 273 | Bank |
| 16 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 199 | Independent Mortgage Company |
| 17 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 177 | Independent Mortgage Company |
| 18 | INSPIRE HOME LOANS INC. | 73 | 43 | 75 | 85 | Independent Mortgage Company |
| 19 | General Mortgage Capital Corporation | 73 | 50 | 79 | 81 | Independent Mortgage Company |
| 20 | THE GOLDEN 1 | 71 | 57 | 60 | 287 | Credit Union |
| 21 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 71 | 46 | 83 | 57 | Independent Mortgage Company |
| 22 | Citibank, National Association | 71 | 87 | 58 | 54 | Bank |
| 23 | THE LOAN STORE, INC. | 68 | 40 | 77 | 701 | Independent Mortgage Company |
| 24 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 186 | Independent Mortgage Company |
| 25 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 181 | Independent Mortgage Company |
| 26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 136 | Independent Mortgage Company |
| 27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 68 | 26 | 83 | 133 | Independent Mortgage Company |
| 28 | NMSI, INC. | 68 | 33 | 92 | 94 | Independent Mortgage Company |
| 29 | BAY EQUITY LLC | 66 | 43 | 65 | 73 | Independent Mortgage Company |
| 30 | BMO Bank National Association | 66 | 60 | 57 | 111 | Bank |
| 31 | RESICENTRAL, LLC | 66 | 57 | 53 | 74 | Independent Mortgage Company |
| 32 | KIND LENDING, LLC | 63 | 39 | 73 | 352 | Independent Mortgage Company |
| 33 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 341 | Independent Mortgage Company |
| 34 | Sierra Pacific Mortgage Company, Inc. | 63 | 32 | 80 | 309 | Independent Mortgage Company |
| 35 | Paramount Residential Mortgage Group, Inc. | 63 | 27 | 72 | 276 | Independent Mortgage Company |
| 36 | Flagstar Bank, N.A. | 63 | 40 | 76 | 262 | Bank |
| 37 | GUARANTEED RATE AFFINITY, LLC | 63 | 33 | 60 | 154 | Independent Mortgage Company |
| 38 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 142 | Independent Mortgage Company |
| 39 | Mortgage Research Center, LLC | 63 | 34 | 70 | 135 | Independent Mortgage Company |
| 40 | OCMBC, INC. | 63 | 21 | 64 | 122 | Independent Mortgage Company |
| 41 | SCENIC OAKS FUNDING, LLC | 63 | 22 | 74 | 105 | Independent Mortgage Company |
| 42 | ZILLOW HOME LOANS, LLC | 63 | 31 | 63 | 91 | Independent Mortgage Company |
| 43 | CLM MORTGAGE, INC. | 63 | 32 | 75 | 80 | Independent Mortgage Company |
| 44 | PACIFIC RESIDENTIAL MORTGAGE, LLC | 63 | 21 | 66 | 79 | Independent Mortgage Company |
| 45 | PEAK RESIDENTIAL LENDING INC | 63 | 24 | 77 | 75 | Independent Mortgage Company |
| 46 | AMERIHOME MORTGAGE COMPANY, LLC | 60 | 42 | 55 | 63 | Independent Mortgage Company |
| 47 | STG MORTGAGE INC | 60 | 48 | 46 | 53 | Independent Mortgage Company |
| 48 | AMERICAN PACIFIC MORTGAGE CORPORATION | 58 | 14 | 84 | 700 | Independent Mortgage Company |
| 49 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 315 | Independent Mortgage Company |
| 50 | NEWREZ LLC | 58 | 35 | 59 | 196 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Sacramento.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.