# Best Jumbo Mortgage Lenders in Sacramento

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

Compare the top Jumbo mortgage lenders in Sacramento. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | 89 | 88 | 76 | 502 | Bank |
| 2 | THE GOLDEN 1 | 89 | 71 | 75 | 287 | Credit Union |
| 3 | Wells Fargo Bank, National Association | 89 | 87 | 63 | 273 | Bank |
| 4 | Bank of America, National Association | 89 | 90 | 80 | 186 | Bank |
| 5 | GUARANTEED RATE, INC. | 85 | 64 | 62 | 177 | Independent Mortgage Company |
| 6 | SCHOOLSFIRST | 85 | 86 | 79 | 116 | Credit Union |
| 7 | BMO Bank National Association | 85 | 79 | 64 | 111 | Bank |
| 8 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 5,307 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 2,498 | Independent Mortgage Company |
| 10 | NAVY FEDERAL CREDIT UNION | 83 | 95 | 51 | 115 | Credit Union |
| 11 | Citibank, National Association | 83 | 95 | 69 | 54 | Bank |
| 12 | Morgan Stanley Private Bank, National Association | 83 | 96 | 75 | 53 | Bank |
| 13 | PENNYMAC LOAN SERVICES, LLC | 79 | 55 | 66 | 354 | Independent Mortgage Company |
| 14 | JPMorgan Chase Bank, National Association | 79 | 49 | 64 | 303 | Bank |
| 15 | CMG MORTGAGE, INC. | 79 | 40 | 66 | 186 | Independent Mortgage Company |
| 16 | MOVEMENT MORTGAGE, LLC | 79 | 41 | 68 | 181 | Independent Mortgage Company |
| 17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 79 | 45 | 66 | 133 | Independent Mortgage Company |
| 18 | LOANDEPOT.COM, LLC | 77 | 52 | 59 | 860 | Independent Mortgage Company |
| 19 | GUILD MORTGAGE COMPANY LLC | 75 | 32 | 66 | 828 | Independent Mortgage Company |
| 20 | THE LOAN STORE, INC. | 75 | 25 | 61 | 701 | Independent Mortgage Company |
| 21 | GUARANTEED RATE AFFINITY, LLC | 73 | 55 | 57 | 154 | Independent Mortgage Company |
| 22 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 40 | 70 | 341 | Independent Mortgage Company |
| 23 | SAFE Credit Union | 71 | 40 | 75 | 257 | Credit Union |
| 24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 30 | 63 | 136 | Independent Mortgage Company |
| 25 | KIND LENDING, LLC | 66 | 27 | 51 | 352 | Independent Mortgage Company |
| 26 | NEW AMERICAN FUNDING, LLC | 66 | 36 | 48 | 315 | Independent Mortgage Company |
| 27 | Paramount Residential Mortgage Group, Inc. | 66 | 25 | 48 | 276 | Independent Mortgage Company |
| 28 | ALAMEDA MORTGAGE CORPORATION | 63 | 39 | 44 | 170 | Independent Mortgage Company |
| 29 | AMERICAN PACIFIC MORTGAGE CORPORATION | 59 | 18 | 59 | 700 | Independent Mortgage Company |
| 30 | Flagstar Bank, N.A. | 56 | 17 | 50 | 262 | Bank |
| 31 | OCMBC, INC. | 56 | 4 | 55 | 122 | Independent Mortgage Company |
| 32 | Luminate Home Loans, Inc. | 52 | 17 | 56 | 59 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.