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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 Conventional Mortgage Lenders in California
Updated February 6, 2026
Market Overview
452
Total Lenders
284,401
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Exceptional | -$1,742 | -0.289% | 3,776 | |
2 | GOOGAIN, INC. | Exceptional | Exceptional | Strong | Exceptional | Strong | -$754 | +0.002% | 714 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$820 | -0.142% | 8,858 | |
4 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$518 | -0.287% | 5,011 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $580 | -0.539% | 1,546 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $927 | -0.121% | 1,006 | |
7 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $241 | -0.196% | 6,267 | |
8 | SCHOOLSFIRST | Exceptional | Strong | Strong | Strong | Exceptional | $374 | -0.013% | 1,736 | |
9 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$791 | +0.009% | 1,452 | |
10 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $305 | -0.471% | 1,247 | |
11 | STAR ONE Credit Union | Exceptional | Exceptional | Strong | Sound | Strong | -$116 | -0.643% | 591 | |
12 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,238 | +0.068% | 7,658 | |
13 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,524 | +0.036% | 6,417 | |
14 | BMO Bank National Association | Exceptional | Strong | Strong | Sound | Exceptional | -$405 | -0.030% | 2,800 | |
15 | HSBC BANK USA, NATIONAL ASSOCIATION | Exceptional | Strong | Strong | Sound | Exceptional | -$1,668 | -0.198% | 1,592 | |
16 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,807 | +0.135% | 41,870 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,583 | +0.180% | 26,634 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,574 | +0.078% | 3,610 | |
19 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,745 | +0.185% | 824 | |
20 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,344 | +0.432% | 729 | |
21 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,938 | +0.315% | 637 | |
22 | Zions Bancorporation, N.A. | Strong | Strong | Strong | Sound | Strong | $1,167 | -0.201% | 634 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,608 | +0.430% | 6,498 | |
24 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,308 | +0.142% | 4,046 | |
25 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,442 | +0.279% | 3,591 | |
26 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,199 | +0.335% | 3,338 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,777 | +0.321% | 3,038 | |
28 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,725 | +0.420% | 2,887 | |
29 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,918 | +0.201% | 2,821 | |
30 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,818 | +0.246% | 2,514 | |
31 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,493 | +0.251% | 2,398 | |
32 | NMSI, INC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,670 | +0.276% | 2,049 | |
33 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,381 | +0.445% | 1,617 | |
34 | THE GOLDEN 1 | Strong | Sound | Strong | Sound | Exceptional | -$264 | +0.044% | 1,163 | |
35 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | Strong | $1,677 | +0.124% | 951 | |
36 | Charles Schwab Bank, SSB | Strong | Sound | Strong | Strong | Strong | $633 | -0.277% | 821 | |
37 | NexBank | Strong | Sound | Strong | Strong | Strong | $1,429 | +0.399% | 602 | |
38 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,287 | +0.424% | 2,962 | |
39 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,563 | +0.013% | 2,227 | |
40 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,187 | +0.393% | 2,207 | |
41 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,852 | +0.324% | 1,883 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,283 | +0.164% | 1,418 | |
43 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,746 | +0.439% | 1,343 | |
44 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,531 | +0.445% | 1,042 | |
45 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $4,972 | +0.349% | 978 | |
46 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | $1,357 | +0.170% | 738 | |
47 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $2,161 | +0.269% | 707 | |
48 | City National Bank | Strong | Sound | Strong | Sound | Strong | $2,580 | +0.021% | 699 | |
49 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Strong | -$551 | -0.117% | 660 | |
50 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,295 | +0.151% | 598 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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