🛡️

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 Conventional Mortgage Lenders in Stockton

Updated February 5, 2026

Market Overview

Total Lenders

7,528

Total Loans

0.25%

Median Rate Spread

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

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

StocktonConventional

No credit impact

3-minute process

100% free