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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 Mortgage Company Lenders in Stockton
Updated February 5, 2026
Market Overview
45
Total Lenders
6,553
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | GOOGAIN, INC. | Exceptional | Exceptional | Exceptional | Sound | -$372 | +0.169% | 28 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,289 | +0.173% | 1,231 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $686 | -0.164% | 33 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,657 | -0.078% | 399 | |
5 | Watermark Capital, Inc. | Strong | Strong | Strong | Sound | $1,058 | -0.014% | 24 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,548 | +0.190% | 745 | |
7 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,767 | +0.245% | 109 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,822 | +0.054% | 89 | |
9 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,913 | +0.227% | 67 | |
10 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $5,439 | +0.313% | 93 | |
11 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,449 | +0.254% | 82 | |
12 | General Mortgage Capital Corporation | Strong | Sound | Strong | Sound | -$252 | -0.095% | 28 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $5,028 | +0.467% | 166 | |
14 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,795 | +0.454% | 131 | |
15 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $3,264 | +0.366% | 130 | |
16 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,186 | +0.371% | 96 | |
17 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $5,134 | +0.384% | 86 | |
18 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $4,246 | +0.703% | 66 | |
19 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | $6,173 | +0.527% | 54 | |
20 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Strong | Strong | $3,989 | +0.496% | 47 | |
21 | NMSI, INC. | Strong | Acceptable | Exceptional | Sound | $1,318 | +0.314% | 41 | |
22 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $5,273 | +0.287% | 34 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $4,423 | +0.477% | 32 | |
24 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Sound | $1,380 | +0.244% | 28 | |
25 | RESICENTRAL, LLC | Strong | Sound | Sound | Sound | $2,026 | +0.254% | 22 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $4,278 | +0.310% | 20 | |
27 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $4,918 | +0.381% | 197 | |
28 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | $6,464 | +0.426% | 141 | |
29 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,019 | +0.412% | 66 | |
30 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,369 | +0.195% | 56 | |
31 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,924 | +0.108% | 52 | |
32 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $4,394 | +0.309% | 49 | |
33 | GOLDEN EMPIRE MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | $5,807 | +0.360% | 45 | |
34 | SUN WEST MORTGAGE COMPANY, INC. | Sound | Acceptable | Strong | Sound | $3,711 | +0.338% | 30 | |
35 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | -$7 | +0.807% | 24 | |
36 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $3,769 | +0.519% | 24 | |
37 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | $5,812 | +0.625% | 51 | |
38 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Acceptable | Sound | Sound | $4,295 | +0.398% | 32 | |
39 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Sound | $5,564 | +0.658% | 25 | |
40 | AMERITRUST MORTGAGE CORPORATION | Sound | Mediocre | Sound | Strong | $3,296 | +0.495% | 55 | |
41 | FlexPoint, Inc. | Sound | Mediocre | Sound | Strong | $3,820 | +0.524% | 42 | |
42 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Sound | Mediocre | Strong | Sound | $7,326 | +0.658% | 36 | |
43 | MORTGAGEONE, INC. | Sound | Mediocre | Strong | Sound | $4,816 | +0.715% | 30 | |
44 | LAND HOME FINANCIAL SERVICES, INC. | Sound | Mediocre | Sound | Sound | $4,953 | +0.586% | 23 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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