# Best VA Mortgage Lenders in Sacramento

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

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

> **Canonical URL:** https://saferate.com/sacramento/best-mortgage-lenders/va-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 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 5,307 | Independent Mortgage Company |
| 2 | U.S. Bank National Association | 85 | 71 | 65 | 502 | Bank |
| 3 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 354 | Independent Mortgage Company |
| 4 | KIND LENDING, LLC | 85 | 64 | 67 | 352 | Independent Mortgage Company |
| 5 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 199 | Independent Mortgage Company |
| 6 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 177 | Independent Mortgage Company |
| 7 | GUARANTEED RATE AFFINITY, LLC | 85 | 65 | 72 | 154 | Independent Mortgage Company |
| 8 | INSPIRE HOME LOANS INC. | 85 | 66 | 78 | 85 | Independent Mortgage Company |
| 9 | LOANDEPOT.COM, LLC | 83 | 53 | 69 | 860 | Independent Mortgage Company |
| 10 | THE LOAN STORE, INC. | 83 | 51 | 75 | 701 | Independent Mortgage Company |
| 11 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 186 | Independent Mortgage Company |
| 12 | MOVEMENT MORTGAGE, LLC | 83 | 45 | 81 | 181 | Independent Mortgage Company |
| 13 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 115 | Credit Union |
| 14 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 2,498 | Independent Mortgage Company |
| 15 | JPMorgan Chase Bank, National Association | 79 | 75 | 54 | 303 | Bank |
| 16 | Paramount Residential Mortgage Group, Inc. | 79 | 40 | 71 | 276 | Independent Mortgage Company |
| 17 | Flagstar Bank, N.A. | 79 | 56 | 68 | 262 | Bank |
| 18 | NEWREZ LLC | 79 | 47 | 63 | 196 | Independent Mortgage Company |
| 19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 77 | 56 | 81 | 57 | Independent Mortgage Company |
| 20 | GUILD MORTGAGE COMPANY LLC | 75 | 22 | 77 | 828 | Independent Mortgage Company |
| 21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 33 | 83 | 136 | Independent Mortgage Company |
| 22 | PLAZA HOME MORTGAGE, INC. | 73 | 42 | 63 | 74 | Independent Mortgage Company |
| 23 | SUN WEST MORTGAGE COMPANY, INC. | 73 | 48 | 61 | 59 | Independent Mortgage Company |
| 24 | Plains Commerce Bank | 73 | 46 | 66 | 58 | Bank |
| 25 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 341 | Independent Mortgage Company |
| 26 | Sierra Pacific Mortgage Company, Inc. | 71 | 38 | 77 | 309 | Independent Mortgage Company |
| 27 | Mortgage Research Center, LLC | 71 | 34 | 61 | 135 | Independent Mortgage Company |
| 28 | PEAK RESIDENTIAL LENDING INC | 71 | 30 | 88 | 75 | Independent Mortgage Company |
| 29 | CITY FIRST MORTGAGE SERVICES, L.L.C. | 67 | 30 | 70 | 119 | Independent Mortgage Company |
| 30 | ZILLOW HOME LOANS, LLC | 67 | 39 | 68 | 91 | Independent Mortgage Company |
| 31 | AMERICAN PACIFIC MORTGAGE CORPORATION | 63 | 10 | 79 | 700 | Independent Mortgage Company |
| 32 | Equity Prime Mortgage LLC | 62 | 20 | 57 | 70 | Independent Mortgage Company |
| 33 | ALAMEDA MORTGAGE CORPORATION | 60 | 7 | 86 | 170 | Independent Mortgage Company |
| 34 | PREMIER MORTGAGE RESOURCES, L.L.C. | 60 | 13 | 71 | 81 | Independent Mortgage Company |
| 35 | SCENIC OAKS FUNDING, LLC | 57 | 13 | 67 | 105 | Independent Mortgage Company |
| 36 | PACIFIC RESIDENTIAL MORTGAGE, LLC | 57 | 14 | 67 | 79 | Independent Mortgage Company |
| 37 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 58 | 315 | Independent Mortgage Company |
| 38 | Luminate Home Loans, Inc. | 53 | 6 | 65 | 59 | Independent Mortgage Company |
| 39 | LINKED HOME LOANS, LLC | 49 | 15 | 47 | 77 | 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.