Safe Rate Rankings

Best VA 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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,036Fees	0.087%Above	2,789
2	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$861Credit	0.162%Below	1,093
3	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$934Fees	0.101%Above	278
4	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,536Fees	0.131%Above	226
5	KIND LENDING, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,136Fees	0.256%Above	110
6	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,708Fees	0.201%Above	103
7	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,964Fees	0.017%Above	81
8	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$529Fees	0.630%Below	72
9	CMG MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,849Fees	0.119%Above	152
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,289Fees	0.137%Above	2,064
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,718Fees	0.028%Above	360
12	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Strong	$2,803Fees	0.196%Above	167
13	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,204Fees	0.349%Above	123
14	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,107Fees	0.151%Below	78
15	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,197Fees	0.380%Above	353
16	JMJ FINANCIAL GROUPIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,388Fees	0.333%Above	95
17	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$2,438Fees	0.304%Above	178

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.