Safe Rate Rankings

Best Conventional Mortgage Companie Lenders in Sacramento

Updated May 30, 2026
⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
📊 HMDA 2024Built using publicly available originated loan data from the federal government.
🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.
Total Lenders183
Total Loans25,209
Median Rate Spread0.24%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
GOOGAIN, INC.Independent Mortgage Company
Exceptional
Exceptional
Strong
Exceptional
Strong
$938Credit
0.017%Above
66
2
PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company
Exceptional
Exceptional
Exceptional
Sound
Strong
$1,244Fees
0.039%Below
196
3
LOANDEPOT.COM, LLCIndependent Mortgage Company
Exceptional
Sound
Exceptional
Strong
Exceptional
$2,216Fees
0.164%Below
860
4
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$2,882Fees
0.149%Above
5,307
5
ROCKET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$3,553Fees
0.165%Above
2,498
6
GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Exceptional
$4,281Fees
0.276%Above
828
7
THE LOAN STORE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Exceptional
$2,761Fees
0.268%Above
701
8
PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Sound
Strong
$1,913Fees
0.074%Above
354
9
General Mortgage Capital CorporationIndependent Mortgage Company
Strong
Sound
Strong
Strong
Strong
$3,088Fees
0.302%Above
81
10
PLAZA HOME MORTGAGE, INC.Independent Mortgage Company
Strong
Sound
Exceptional
Strong
Sound
$3,607Fees
0.242%Above
74
11
BAY EQUITY LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Strong
Sound
$2,419Fees
0.307%Above
73
12
ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company
Strong
Sound
Exceptional
Strong
Sound
$2,233Fees
0.328%Above
57
13
KIND LENDING, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,118Fees
0.382%Above
352
14
CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,785Fees
0.367%Above
341
15
Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,218Fees
0.221%Above
309
16
Paramount Residential Mortgage Group, Inc.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,555Fees
0.340%Above
276
17
FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Sound
Strong
Sound
Strong
$2,542Fees
0.008%Below
199
18
CMG MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,618Fees
0.157%Above
186
19
MOVEMENT MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,396Fees
0.269%Above
181
20
GUARANTEED RATE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,679Fees
0.124%Above
177
21
NATIONSTAR MORTGAGE LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,815Fees
0.024%Above
142
22
FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,746Fees
0.374%Above
136
23
PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,231Fees
0.307%Above
133
24
NMSI, INC.Independent Mortgage Company
Strong
Acceptable
Strong
Exceptional
Strong
$3,411Fees
0.248%Above
94
25
RESICENTRAL, LLCIndependent Mortgage Company
Strong
Sound
Strong
Sound
Strong
$1,369Fees
0.083%Above
74
26
AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company
Strong
Sound
Strong
Strong
Sound
$2,697Fees
0.276%Above
63
27
AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Exceptional
$3,866Fees
0.416%Above
700
28
NEW AMERICAN FUNDING, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$4,288Fees
0.322%Above
315
29
NEWREZ LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$2,384Fees
0.260%Above
196
30
GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$3,050Fees
0.298%Above
154
31
SCENIC OAKS FUNDING, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
Strong
$4,270Fees
0.253%Above
105
32
INSPIRE HOME LOANS INC.Independent Mortgage Company
Strong
Acceptable
Strong
Strong
Strong
$1,135Fees
0.591%Above
85
33
MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
Strong
$2,641Fees
0.303%Above
78
34
STG MORTGAGE INCIndependent Mortgage Company
Strong
Sound
Strong
Sound
Sound
$2,326Fees
0.125%Above
53
35
ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$4,242Fees
0.383%Above
170
36
Mortgage Research Center, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Sound
Strong
$3,695Fees
0.098%Above
135
37
SUMMIT FUNDING, INC.Independent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$6,288Fees
0.355%Above
129
38
ZILLOW HOME LOANS, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Sound
Strong
$3,673Fees
0.219%Above
91
39
PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$5,188Fees
0.298%Above
81
40
CLM MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Strong
Sound
Strong
$4,126Fees
0.096%Above
80
41
CANOPY MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Sound
$3,029Fees
0.482%Above
63
42
PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company
Sound
Mediocre
Strong
Strong
Strong
$3,747Fees
0.292%Above
79
43
PEAK RESIDENTIAL LENDING INCIndependent Mortgage Company
Sound
Mediocre
Strong
Strong
Strong
$3,805Fees
0.246%Above
75
44
SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company
Sound
Acceptable
Strong
Sound
Sound
$4,216Fees
0.033%Above
59
45
Luminate Home Loans, Inc.Independent Mortgage Company
Sound
Mediocre
Exceptional
Strong
Sound
$4,239Fees
0.361%Above
59
46
OCMBC, INC.Independent Mortgage Company
Sound
Mediocre
Strong
Sound
Strong
$4,708Fees
0.726%Above
122
47
JMAC LENDING, INC.Independent Mortgage Company
Sound
Acceptable
Strong
Acceptable
Sound
$3,455Fees
0.281%Above
56
48
NEW WAVE LENDING GROUP INCIndependent Mortgage Company
Sound
Mediocre
Strong
Strong
Sound
$4,104Fees
0.687%Above
55
49
CITY FIRST MORTGAGE SERVICES, L.L.C.Independent Mortgage Company
Sound
Mediocre
Sound
Sound
Strong
$3,487Fees
0.312%Above
119

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.