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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 VA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,807 | +0.135% | 41,870 | |
2 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,308 | +0.142% | 4,046 | |
3 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,574 | +0.078% | 3,610 | |
4 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,199 | +0.335% | 3,338 | |
5 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,295 | +0.151% | 598 | |
6 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,918 | +0.201% | 2,821 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,563 | +0.013% | 2,227 | |
8 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,746 | +0.439% | 1,343 | |
9 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,545 | +0.254% | 1,170 | |
10 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,214 | +0.536% | 683 | |
11 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,524 | +0.036% | 6,417 | |
12 | THE LOAN STORE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,442 | +0.279% | 3,591 | |
13 | Paramount Residential Mortgage Group, Inc. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,725 | +0.420% | 2,887 | |
14 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,852 | +0.324% | 1,883 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,972 | +0.349% | 978 | |
16 | OriginPoint, LLC | Exceptional | Strong | Strong | Strong | Strong | $2,143 | +0.231% | 754 | |
17 | RESICENTRAL, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,357 | +0.170% | 738 | |
18 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,938 | +0.315% | 637 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,583 | +0.180% | 26,634 | |
20 | OCMBC, INC. | Strong | Sound | Strong | Strong | Exceptional | $3,771 | +0.562% | 4,583 | |
21 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,558 | +0.295% | 2,476 | |
22 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Strong | $4,263 | +0.161% | 882 | |
23 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,344 | +0.432% | 729 | |
24 | STG MORTGAGE INC | Strong | Strong | Strong | Sound | Strong | $2,161 | +0.269% | 707 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,608 | +0.430% | 6,498 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,777 | +0.321% | 3,038 | |
27 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,493 | +0.251% | 2,398 | |
28 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,902 | +0.361% | 2,371 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,187 | +0.393% | 2,207 | |
30 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,531 | +0.445% | 1,042 | |
31 | JMAC LENDING, INC. | Strong | Sound | Strong | Strong | Strong | $2,937 | +0.365% | 668 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,718 | +0.397% | 1,584 | |
33 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,283 | +0.164% | 1,418 | |
34 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,745 | +0.185% | 824 | |
35 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,193 | +0.407% | 642 | |
36 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,461 | +0.438% | 3,541 | |
37 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Strong | Exceptional | Exceptional | $4,554 | +0.492% | 1,702 | |
38 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,050 | +0.240% | 842 | |
39 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,688 | +0.543% | 823 | |
40 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,224 | +0.410% | 662 | |
41 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,287 | +0.424% | 2,962 | |
42 | Commerce Home Mortgage, Inc. | Strong | Mediocre | Strong | Strong | Exceptional | $3,381 | +0.445% | 1,617 | |
43 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,892 | +0.624% | 823 | |
44 | BAY-VALLEY MORTGAGE GROUP | Strong | Acceptable | Strong | Sound | Strong | $4,143 | +0.321% | 800 | |
45 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $6,059 | +0.528% | 684 | |
46 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | Strong | $3,495 | +0.440% | 836 | |
47 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | Strong | $4,099 | +0.526% | 578 | |
48 | FlexPoint, Inc. | Sound | Mediocre | Strong | Sound | Strong | $4,128 | +0.645% | 913 | |
49 | Hometown Equity Mortgage, LLC | Sound | Mediocre | Strong | 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 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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