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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 Company Lenders in Sacramento

Updated February 5, 2026

Market Overview

Total Lenders

25,209

Total Loans

0.24%

Median Rate Spread

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

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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