Safe Rate Rankings

Best Conventional Mortgage Lenders in Anaheim

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 Lenders166

Total Loans17,759

Median Rate Spread0.30%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	Exceptional	$1,710Credit	0.251%Below	330
2	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$861Credit	0.162%Below	1,093
3	SCHOOLSFIRSTCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$219Fees	0.107%Below	491
4	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$269Credit	0.322%Below	349
5	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$110Fees	0.019%Below	94
6	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Strong	$400Fees	0.517%Below	92
7	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$529Fees	0.630%Below	72
8	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$18Credit	0.119%Below	66
9	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,655Fees	0.035%Above	472
10	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$486Fees	0.213%Below	395
11	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,036Fees	0.087%Above	2,789
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,289Fees	0.137%Above	2,064
13	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,718Fees	0.028%Above	360
14	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Strong	$301Fees	0.005%Below	190
15	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,935Fees	0.143%Above	79
16	NMSI, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Exceptional	$2,766Fees	0.354%Above	383
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$934Fees	0.101%Above	278
18	General Mortgage Capital CorporationIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$1,551Fees	0.100%Above	83
19	Charles Schwab Bank, SSBBank	Strong	Sound	Strong	Strong	Strong	$558Fees	0.346%Below	69
20	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,583Fees	0.804%Above	54
21	NuVision Federal Credit UnionCredit Union	Strong	Strong	Sound	Sound	Strong	$1,842Fees	0.152%Above	50
22	Zions Bancorporation, N.A.Bank	Strong	Strong	Strong	Sound	Sound	$742Fees	0.299%Below	47
23	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,197Fees	0.380%Above	353
24	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,803Fees	0.317%Above	234
25	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,536Fees	0.131%Above	226
26	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,802Fees	0.308%Above	208
27	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,803Fees	0.196%Above	167
28	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,849Fees	0.119%Above	152
29	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,136Fees	0.256%Above	110
30	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,814Fees	0.530%Above	97
31	City National BankBank	Strong	Sound	Strong	Sound	Strong	$2,507Fees	0.149%Above	93
32	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,931Fees	0.299%Above	86
33	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,964Fees	0.017%Above	81
34	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,482Fees	0.021%Above	79
35	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,092Fees	0.084%Above	77
36	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$930Fees	0.477%Above	75
37	NexBankBank	Strong	Sound	Strong	Strong	Sound	$466Credit	0.450%Above	54
38	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,438Fees	0.304%Above	178
39	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,204Fees	0.349%Above	123
40	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,708Fees	0.201%Above	103
41	FRANKLIN LOAN CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,742Fees	0.579%Above	70
42	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,550Fees	0.225%Above	65
43	Commerce Home Mortgage, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,784Fees	0.842%Above	57
44	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,990Fees	0.291%Above	55
45	First-Citizens Bank & Trust CompanyBank	Strong	Sound	Strong	Sound	Sound	$33Credit	0.011%Above	43
46	NEW WAVE LENDING GROUP INCIndependent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$3,136Fees	0.602%Above	333
47	AAA CAPITAL INVESTMENT, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$1,240Fees	0.164%Above	102
48	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,432Fees	0.238%Above	82
49	OriginPoint, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$1,236Fees	0.363%Above	56
50	NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,922Fees	0.318%Above	40

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.