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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 VA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,882 | +0.149% | 5,307 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $567 | -0.370% | 115 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $788 | -0.006% | 502 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,913 | +0.074% | 354 | |
5 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,118 | +0.382% | 352 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,542 | -0.008% | 199 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,679 | +0.124% | 177 | |
8 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,050 | +0.298% | 154 | |
9 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,135 | +0.591% | 85 | |
10 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,216 | -0.164% | 860 | |
11 | THE LOAN STORE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,761 | +0.268% | 701 | |
12 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,981 | +0.130% | 303 | |
13 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,618 | +0.157% | 186 | |
14 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,396 | +0.269% | 181 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,553 | +0.165% | 2,498 | |
16 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,555 | +0.340% | 276 | |
17 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,086 | +0.149% | 262 | |
18 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,384 | +0.260% | 196 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | Sound | $2,233 | +0.328% | 57 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,281 | +0.276% | 828 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,746 | +0.374% | 136 | |
22 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,607 | +0.242% | 74 | |
23 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Sound | $4,216 | +0.033% | 59 | |
24 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $2,827 | +0.311% | 58 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,785 | +0.367% | 341 | |
26 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,218 | +0.221% | 309 | |
27 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,695 | +0.098% | 135 | |
28 | PEAK RESIDENTIAL LENDING INC | Strong | Acceptable | Strong | Exceptional | Strong | $3,805 | +0.246% | 75 | |
29 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,866 | +0.416% | 700 | |
30 | CITY FIRST MORTGAGE SERVICES, L.L.C. | Strong | Acceptable | Strong | Strong | Strong | $3,487 | +0.312% | 119 | |
31 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,673 | +0.219% | 91 | |
32 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Strong | Exceptional | Strong | $4,242 | +0.383% | 170 | |
33 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $5,188 | +0.298% | 81 | |
34 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,885 | +0.564% | 70 | |
35 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,288 | +0.322% | 315 | |
36 | SCENIC OAKS FUNDING, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,270 | +0.253% | 105 | |
37 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Strong | $3,747 | +0.292% | 79 | |
38 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | Sound | $4,239 | +0.361% | 59 | |
39 | LINKED HOME LOANS, LLC | Sound | Mediocre | — | Sound | Strong | $2,834 | +0.517% | 77 |
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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