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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 Company Lenders in California
Updated February 6, 2026
Market Overview
50
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 | GOOGAIN, INC. | Exceptional | Exceptional | Strong | Exceptional | Strong | -$754 | +0.002% | 714 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $927 | -0.121% | 1,006 | |
3 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,524 | +0.036% | 6,417 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,807 | +0.135% | 41,870 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,583 | +0.180% | 26,634 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,574 | +0.078% | 3,610 | |
7 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,745 | +0.185% | 824 | |
8 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,344 | +0.432% | 729 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,938 | +0.315% | 637 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,608 | +0.430% | 6,498 | |
11 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,308 | +0.142% | 4,046 | |
12 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,442 | +0.279% | 3,591 | |
13 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,199 | +0.335% | 3,338 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,777 | +0.321% | 3,038 | |
15 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,725 | +0.420% | 2,887 | |
16 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,918 | +0.201% | 2,821 | |
17 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,493 | +0.251% | 2,398 | |
18 | NMSI, INC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,670 | +0.276% | 2,049 | |
19 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,381 | +0.445% | 1,617 | |
20 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | Strong | $1,677 | +0.124% | 951 | |
21 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,287 | +0.424% | 2,962 | |
22 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,563 | +0.013% | 2,227 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,187 | +0.393% | 2,207 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,852 | +0.324% | 1,883 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,283 | +0.164% | 1,418 | |
26 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,746 | +0.439% | 1,343 | |
27 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,531 | +0.445% | 1,042 | |
28 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $4,972 | +0.349% | 978 | |
29 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | $1,357 | +0.170% | 738 | |
30 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $2,161 | +0.269% | 707 | |
31 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,295 | +0.151% | 598 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,461 | +0.438% | 3,541 | |
33 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,558 | +0.295% | 2,476 | |
34 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,902 | +0.361% | 2,371 | |
35 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,554 | +0.492% | 1,702 | |
36 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,545 | +0.254% | 1,170 | |
37 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,495 | +0.440% | 836 | |
38 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $2,214 | +0.536% | 683 | |
39 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,224 | +0.410% | 662 | |
40 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,193 | +0.407% | 642 | |
41 | NEW WAVE LENDING GROUP INC | Strong | Mediocre | Strong | Strong | Exceptional | $3,402 | +0.637% | 1,878 | |
42 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,718 | +0.397% | 1,584 | |
43 | EMET LENDING GROUP, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $4,916 | +0.983% | 1,347 | |
44 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Sound | Strong | $4,263 | +0.161% | 882 | |
45 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,050 | +0.240% | 842 | |
46 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,892 | +0.624% | 823 | |
47 | OriginPoint, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,143 | +0.231% | 754 | |
48 | AAA CAPITAL INVESTMENT, INC. | Strong | Acceptable | Strong | Sound | Strong | $2,493 | +0.274% | 749 | |
49 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $6,059 | +0.528% | 684 | |
50 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $4,099 | +0.526% | 578 |
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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