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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 Jumbo 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 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,308 | +0.142% | 4,046 | |
2 | GOOGAIN, INC. | Exceptional | Strong | Strong | Exceptional | Strong | -$754 | +0.002% | 714 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,807 | +0.135% | 41,870 | |
4 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,583 | +0.180% | 26,634 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,574 | +0.078% | 3,610 | |
6 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,918 | +0.201% | 2,821 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,524 | +0.036% | 6,417 | |
8 | NMSI, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,670 | +0.276% | 2,049 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,852 | +0.324% | 1,883 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Strong | Strong | $4,972 | +0.349% | 978 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,608 | +0.430% | 6,498 | |
12 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,442 | +0.279% | 3,591 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,777 | +0.321% | 3,038 | |
14 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | Strong | $1,746 | +0.439% | 1,343 | |
15 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,545 | +0.254% | 1,170 | |
16 | OriginPoint, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,143 | +0.231% | 754 | |
17 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,199 | +0.335% | 3,338 | |
18 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,287 | +0.424% | 2,962 | |
19 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,725 | +0.420% | 2,887 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,187 | +0.393% | 2,207 | |
21 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $2,161 | +0.269% | 707 | |
22 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,224 | +0.410% | 662 | |
23 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,558 | +0.295% | 2,476 | |
24 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Sound | Exceptional | $4,493 | +0.251% | 2,398 | |
25 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $4,902 | +0.361% | 2,371 | |
26 | NEW WAVE LENDING GROUP INC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,402 | +0.637% | 1,878 | |
27 | ALAMEDA MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $4,554 | +0.492% | 1,702 | |
28 | EMET LENDING GROUP, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,916 | +0.983% | 1,347 | |
29 | FRANKLIN LOAN CORPORATION | Strong | Mediocre | Strong | Exceptional | Exceptional | $3,531 | +0.445% | 1,042 | |
30 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,295 | +0.151% | 598 | |
31 | OCMBC, INC. | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,771 | +0.562% | 4,583 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,461 | +0.438% | 3,541 | |
33 | Commerce Home Mortgage, Inc. | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,381 | +0.445% | 1,617 | |
34 | General Mortgage Capital Corporation | Strong | Acceptable | Strong | Sound | Strong | $1,677 | +0.124% | 951 | |
35 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $3,495 | +0.440% | 836 | |
36 | BAY EQUITY LLC | Strong | Acceptable | Strong | Sound | Strong | $2,745 | +0.185% | 824 | |
37 | Hometown Equity Mortgage, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,267 | +0.578% | 749 | |
38 | RESICENTRAL, LLC | Strong | Sound | Sound | Acceptable | Strong | $1,357 | +0.170% | 738 | |
39 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Acceptable | Strong | Sound | Strong | $2,938 | +0.315% | 637 | |
40 | Citadel Servicing Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $5,613 | +1.355% | 594 | |
41 | Logan Finance Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $2,003 | +0.972% | 573 | |
42 | ROYAL PACIFIC FUNDING CORP. | Sound | Mediocre | Strong | Sound | Exceptional | $4,801 | +0.607% | 956 | |
43 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $4,892 | +0.624% | 823 | |
44 | BAY-VALLEY MORTGAGE GROUP | Sound | Acceptable | Strong | Acceptable | Strong | $4,143 | +0.321% | 800 | |
45 | AAA CAPITAL INVESTMENT, INC. | Sound | Mediocre | Strong | Strong | Strong | $2,493 | +0.274% | 749 | |
46 | NEXERA HOLDING LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,467 | +0.899% | 695 | |
47 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Sound | Strong | $4,099 | +0.526% | 578 | |
48 | FlexPoint, Inc. | Sound | Mediocre | Strong | Sound | Strong | $4,128 | +0.645% | 913 | |
49 | PLAZA HOME MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,344 | +0.432% | 729 |
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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