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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 Mortgage Lenders in Vallejo

Updated February 5, 2026

Market Overview

Total Lenders

3,936

Total Loans

0.23%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$3,128	+0.171%	816
2	U.S. Bank National Association	Strong	Strong	Strong	Strong	$751	+0.128%	63
3	NAVY FEDERAL CREDIT UNION	Strong	Exceptional	Sound	Sound	$1,596	-0.429%	30
4	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Exceptional	$1,469	+0.005%	248
5	Bank of America, National Association	Strong	Strong	Strong	Sound	$1,396	+0.000%	33
6	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,495	+0.137%	397
7	GUARANTEED RATE, INC.	Strong	Sound	Strong	Strong	$3,412	+0.241%	66
8	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Strong	$2,718	+0.071%	66
9	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$2,211	-0.121%	63
10	Wells Fargo Bank, National Association	Strong	Strong	Sound	Sound	$1,805	+0.288%	35
11	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	$5,142	+0.316%	126
12	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$3,181	+0.171%	67
13	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$3,450	+0.258%	47
14	INSPIRE HOME LOANS INC.	Strong	Sound	Strong	Sound	$1,460	+0.218%	36
15	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	$2,040	+0.203%	32
16	Vellum Mortgage, Inc.	Strong	Sound	Strong	Sound	$1,251	+0.296%	21
17	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	$4,199	+0.490%	175
18	THE LOAN STORE, INC.	Strong	Acceptable	Strong	Strong	$2,352	+0.253%	72
19	KIND LENDING, LLC	Strong	Acceptable	Strong	Strong	$3,060	+0.232%	53
20	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Strong	Strong	$4,937	+0.624%	52
21	Flagstar Bank, N.A.	Strong	Acceptable	Strong	Strong	$3,249	+0.294%	46
22	TRAVIS CREDIT UNION	Strong	Sound	Acceptable	Strong	$3,495	+0.032%	45
23	NFM, INC.	Strong	Acceptable	Exceptional	Sound	$6,043	+0.119%	32
24	STG MORTGAGE INC	Strong	Sound	Sound	Sound	$2,096	+0.114%	20
25	AMERICAN PACIFIC MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Strong	$6,263	+0.459%	103
26	NEW AMERICAN FUNDING, LLC	Sound	Acceptable	Sound	Strong	$4,508	+0.251%	102
27	NEWREZ LLC	Sound	Acceptable	Sound	Strong	$2,507	+0.255%	80
28	EVERETT FINANCIAL, INC.	Sound	Mediocre	Exceptional	Strong	$5,019	+0.680%	72
29	Sierra Pacific Mortgage Company, Inc.	Sound	Acceptable	Strong	Sound	$4,797	+0.215%	36
30	OCMBC, INC.	Sound	Acceptable	Strong	Sound	$2,792	+0.701%	36
31	NATIONSTAR MORTGAGE LLC	Sound	Acceptable	Strong	Sound	$2,805	-0.031%	32
32	Commerce Home Mortgage, Inc.	Sound	Acceptable	Strong	Sound	$2,823	+0.464%	30
33	Equity Prime Mortgage LLC	Sound	Acceptable	Strong	Sound	$3,722	+0.425%	21
34	PRIMARY RESIDENTIAL MORTGAGE, INC.	Sound	Mediocre	Strong	Strong	$6,365	+0.667%	43
35	HOMEOWNERS FINANCIAL GROUP USA, LLC	Sound	Mediocre	Strong	Strong	$5,401	+0.519%	39
36	MASON MCDUFFIE MORTGAGE CORPORATION	Sound	Acceptable	Sound	Sound	$4,320	+0.414%	22
37	ALAMEDA MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Sound	$4,230	+0.620%	21

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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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