Safe Rate Rankings

Best Jumbo Mortgage Companie Lenders in Sacramento

Updated May 24, 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.

Market

Total Lenders183

Total Loans25,209

Median Rate Spread0.24%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,679Fees	0.124%Above	177
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,882Fees	0.149%Above	5,307
3	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,553Fees	0.165%Above	2,498
4	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Exceptional	$2,216Fees	0.164%Below	860
5	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,913Fees	0.074%Above	354
6	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,618Fees	0.157%Above	186
7	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,396Fees	0.269%Above	181
8	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$4,231Fees	0.307%Above	133
9	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,281Fees	0.276%Above	828
10	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,761Fees	0.268%Above	701
11	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$3,050Fees	0.298%Above	154
12	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,785Fees	0.367%Above	341
13	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,746Fees	0.374%Above	136
14	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,118Fees	0.382%Above	352
15	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,288Fees	0.322%Above	315
16	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,555Fees	0.340%Above	276
17	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Sound	Exceptional	$3,866Fees	0.416%Above	700
18	ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$4,242Fees	0.383%Above	170
19	OCMBC, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$4,708Fees	0.726%Above	122
20	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$4,239Fees	0.361%Above	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)

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.