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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 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GOOGAIN, INC. | Exceptional | Exceptional | Strong | Exceptional | Strong | -$938 | +0.017% | 66 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,244 | -0.039% | 196 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $567 | -0.370% | 115 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $788 | -0.006% | 502 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,742 | -0.160% | 186 | |
6 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Sound | -$130 | -0.098% | 54 | |
7 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,216 | -0.164% | 860 | |
8 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,789 | +0.037% | 273 | |
9 | SCHOOLSFIRST | Exceptional | Strong | Strong | Strong | Strong | $452 | -0.020% | 116 | |
10 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $267 | -0.486% | 53 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,882 | +0.149% | 5,307 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,553 | +0.165% | 2,498 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,981 | +0.130% | 303 | |
14 | SAFE Credit Union | Strong | Strong | Sound | Sound | Exceptional | $1,946 | +0.060% | 257 | |
15 | BMO Bank National Association | Strong | Strong | Strong | Sound | Strong | $557 | +0.037% | 111 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,281 | +0.276% | 828 | |
17 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,761 | +0.268% | 701 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,913 | +0.074% | 354 | |
19 | THE GOLDEN 1 | Strong | Sound | Strong | Sound | Exceptional | $715 | +0.140% | 287 | |
20 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | Strong | $3,088 | +0.302% | 81 | |
21 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,607 | +0.242% | 74 | |
22 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $2,419 | +0.307% | 73 | |
23 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $2,233 | +0.328% | 57 | |
24 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,118 | +0.382% | 352 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,785 | +0.367% | 341 | |
26 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,218 | +0.221% | 309 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,555 | +0.340% | 276 | |
28 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,086 | +0.149% | 262 | |
29 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,542 | -0.008% | 199 | |
30 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,618 | +0.157% | 186 | |
31 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,396 | +0.269% | 181 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,679 | +0.124% | 177 | |
33 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,815 | +0.024% | 142 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,746 | +0.374% | 136 | |
35 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $4,231 | +0.307% | 133 | |
36 | NMSI, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $3,411 | +0.248% | 94 | |
37 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | $1,369 | +0.083% | 74 | |
38 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Sound | $2,697 | +0.276% | 63 | |
39 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,866 | +0.416% | 700 | |
40 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,288 | +0.322% | 315 | |
41 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,384 | +0.260% | 196 | |
42 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,050 | +0.298% | 154 | |
43 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,270 | +0.253% | 105 | |
44 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $1,135 | +0.591% | 85 | |
45 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,641 | +0.303% | 78 | |
46 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,827 | +0.311% | 58 | |
47 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Sound | $2,326 | +0.125% | 53 | |
48 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,695 | +0.098% | 135 | |
49 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,673 | +0.219% | 91 | |
50 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Strong | $4,126 | +0.096% | 80 |
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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