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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 Company Lenders in California
Updated February 6, 2026
Market Overview
50
Total Lenders
220,670
Total Loans
0.40%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | GOOGAIN, INC. | Exceptional | Exceptional | Exceptional | Strong | -$754 | +0.002% | 714 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $927 | -0.121% | 1,006 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,807 | +0.135% | 41,870 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,524 | +0.036% | 6,417 | |
5 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,308 | +0.142% | 4,046 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $1,574 | +0.078% | 3,610 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,938 | +0.315% | 637 | |
8 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $2,295 | +0.151% | 598 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,583 | +0.180% | 26,634 | |
10 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,777 | +0.321% | 3,038 | |
11 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,918 | +0.201% | 2,821 | |
12 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,563 | +0.013% | 2,227 | |
13 | NMSI, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,670 | +0.276% | 2,049 | |
14 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,531 | +0.445% | 1,042 | |
15 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | $1,677 | +0.124% | 951 | |
16 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $2,745 | +0.185% | 824 | |
17 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $2,214 | +0.536% | 683 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,608 | +0.430% | 6,498 | |
19 | OCMBC, INC. | Strong | Acceptable | Strong | Exceptional | $3,771 | +0.562% | 4,583 | |
20 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Exceptional | $2,442 | +0.279% | 3,591 | |
21 | KIND LENDING, LLC | Strong | Acceptable | Strong | Exceptional | $3,199 | +0.335% | 3,338 | |
22 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Exceptional | $3,725 | +0.420% | 2,887 | |
23 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Exceptional | $4,493 | +0.251% | 2,398 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,187 | +0.393% | 2,207 | |
25 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,852 | +0.324% | 1,883 | |
26 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Strong | Exceptional | $3,381 | +0.445% | 1,617 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $4,972 | +0.349% | 978 | |
28 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $1,357 | +0.170% | 738 | |
29 | STG MORTGAGE INC | Strong | Sound | Sound | Strong | $2,161 | +0.269% | 707 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $4,461 | +0.438% | 3,541 | |
31 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $3,287 | +0.424% | 2,962 | |
32 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | $4,902 | +0.361% | 2,371 | |
33 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $4,554 | +0.492% | 1,702 | |
34 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,718 | +0.397% | 1,584 | |
35 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,283 | +0.164% | 1,418 | |
36 | EMET LENDING GROUP, INC. | Strong | Mediocre | Exceptional | Exceptional | $4,916 | +0.983% | 1,347 | |
37 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $1,746 | +0.439% | 1,343 | |
38 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,545 | +0.254% | 1,170 | |
39 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Strong | $4,263 | +0.161% | 882 | |
40 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,050 | +0.240% | 842 | |
41 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,688 | +0.543% | 823 | |
42 | BAY-VALLEY MORTGAGE GROUP | Strong | Acceptable | Strong | Strong | $4,143 | +0.321% | 800 | |
43 | AAA CAPITAL INVESTMENT, INC. | Strong | Acceptable | Strong | Strong | $2,493 | +0.274% | 749 | |
44 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,344 | +0.432% | 729 | |
45 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | $4,224 | +0.410% | 662 | |
46 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,193 | +0.407% | 642 | |
47 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,558 | +0.295% | 2,476 | |
48 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Acceptable | Sound | Strong | $3,495 | +0.440% | 836 | |
49 | OriginPoint, LLC | Sound | Acceptable | Sound | Strong | $2,143 | +0.231% | 754 | |
50 | Hometown Equity Mortgage, LLC | Sound | Acceptable | Sound | Strong | $3,267 | +0.578% | 749 |
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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