# Best Bank Mortgage Lenders in Sacramento

**As of:** 2026-05-24

Compare the top banks offering mortgages in Sacramento. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | U.S. Bank National Association | 80 | 75 | 71 | 502 | Bank |
| 2 | Bank of America, National Association | 80 | 73 | 75 | 186 | Bank |
| 3 | Morgan Stanley Private Bank, National Association | 78 | 94 | 66 | 53 | Bank |
| 4 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 303 | Bank |
| 5 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 273 | Bank |
| 6 | Citibank, National Association | 71 | 87 | 58 | 54 | Bank |
| 7 | BMO Bank National Association | 66 | 60 | 57 | 111 | Bank |
| 8 | Flagstar Bank, N.A. | 63 | 40 | 76 | 262 | Bank |
| 9 | Plains Commerce Bank | 58 | 37 | 67 | 58 | Bank |

## 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.