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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 Jumbo 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 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $788 | -0.006% | 502 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,789 | +0.037% | 273 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,742 | -0.160% | 186 | |
4 | THE GOLDEN 1 | Exceptional | Strong | Exceptional | Strong | Exceptional | $715 | +0.140% | 287 | |
5 | SCHOOLSFIRST | Exceptional | Exceptional | Strong | Strong | Strong | $452 | -0.020% | 116 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $567 | -0.370% | 115 | |
7 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | -$130 | -0.098% | 54 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $267 | -0.486% | 53 | |
9 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,679 | +0.124% | 177 | |
10 | BMO Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $557 | +0.037% | 111 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,882 | +0.149% | 5,307 | |
12 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,553 | +0.165% | 2,498 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,216 | -0.164% | 860 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,913 | +0.074% | 354 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,981 | +0.130% | 303 | |
16 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,618 | +0.157% | 186 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,396 | +0.269% | 181 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Strong | Strong | $4,231 | +0.307% | 133 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,281 | +0.276% | 828 | |
20 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,761 | +0.268% | 701 | |
21 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,050 | +0.298% | 154 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,785 | +0.367% | 341 | |
23 | SAFE Credit Union | Strong | Acceptable | Strong | Strong | Exceptional | $1,946 | +0.060% | 257 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,746 | +0.374% | 136 | |
25 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,118 | +0.382% | 352 | |
26 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,288 | +0.322% | 315 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Strong | $3,555 | +0.340% | 276 | |
28 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,866 | +0.416% | 700 | |
29 | ALAMEDA MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $4,242 | +0.383% | 170 | |
30 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $3,086 | +0.149% | 262 | |
31 | OCMBC, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $4,708 | +0.726% | 122 | |
32 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Sound | Sound | $4,239 | +0.361% | 59 |
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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