Safe Rate Rankings

Best Conventional Mortgage Lenders in Stockton

Updated May 23, 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 Lenders98

Total Loans7,528

Median Rate Spread0.25%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	GOOGAIN, INC.Independent Mortgage Company	Exceptional	Exceptional	Strong	Exceptional	Sound	$372Credit	0.169%Above	28
2	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$290Fees	0.012%Below	222
3	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$253Fees	0.166%Below	83
4	STAR ONE Credit UnionCredit Union	Exceptional	Exceptional	Strong	Sound	Strong	$173Credit	0.547%Below	49
5	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,492Credit	0.377%Below	42
6	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$686Fees	0.164%Below	33
7	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$319Fees	0.415%Below	17
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,657Fees	0.078%Below	399
9	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,261Fees	0.031%Below	57
10	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$474Fees	0.084%Above	19
11	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,289Fees	0.173%Above	1,231
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,548Fees	0.190%Above	745
13	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,567Fees	0.002%Below	111
14	Zions Bancorporation, N.A.Bank	Strong	Strong	Strong	Sound	Strong	$530Fees	0.043%Below	62
15	Provident Credit UnionCredit Union	Strong	Exceptional	Sound	Sound	Sound	$69Fees	0.927%Below	22
16	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,822Fees	0.054%Above	89
17	SAFE Credit UnionCredit Union	Strong	Strong	Sound	Sound	Strong	$1,475Fees	0.114%Above	64
18	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Sound	$902Fees	0.099%Above	43
19	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,694Fees	0.518%Above	19
20	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,028Fees	0.467%Above	166
21	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,795Fees	0.454%Above	131
22	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,264Fees	0.366%Above	130
23	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,767Fees	0.245%Above	109
24	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,186Fees	0.371%Above	96
25	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,439Fees	0.313%Above	93
26	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,134Fees	0.384%Above	86
27	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,449Fees	0.254%Above	82
28	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,913Fees	0.227%Above	67
29	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,812Fees	0.625%Above	51
30	Commerce Home Mortgage, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,989Fees	0.496%Above	47
31	THE GOLDEN 1Credit Union	Strong	Sound	Strong	Sound	Strong	$603Credit	0.057%Above	47
32	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$1,380Fees	0.244%Above	28
33	General Mortgage Capital CorporationIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$252Credit	0.095%Below	28
34	Watermark Capital, Inc.Independent Mortgage Company	Strong	Strong	Sound	Sound	Sound	$1,058Fees	0.014%Below	24
35	Patelco Credit UnionCredit Union	Strong	Strong	Sound	Sound	Sound	$762Fees	0.397%Below	21
36	NexBankBank	Strong	Sound	Strong	Strong	Sound	$72Credit	0.420%Above	18
37	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,019Fees	0.412%Above	66
38	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,369Fees	0.195%Above	56
39	SCENIC OAKS FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$6,173Fees	0.527%Above	54
40	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,924Fees	0.108%Above	52
41	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,361Fees	0.116%Above	44
42	NMSI, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Sound	$1,318Fees	0.314%Above	41
43	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,423Fees	0.477%Above	32
44	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$7Credit	0.807%Above	24
45	RESICENTRAL, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,026Fees	0.254%Above	22
46	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,278Fees	0.310%Above	20
47	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,918Fees	0.381%Above	197
48	HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$7,326Fees	0.658%Above	36
49	MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$4,295Fees	0.398%Above	32
50	Synergy One Lending, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$5,799Fees	0.353%Above	18

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.