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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 Lenders in Fresno

Updated February 5, 2026

Market Overview

Total Lenders

9,533

Total Loans

0.40%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	EDUCATIONAL EMPLOYEES CREDIT UNION	Exceptional	Exceptional	Sound	Exceptional	$56	-0.712%	146
2	NOBLE	Exceptional	Exceptional	Sound	Strong	$996	-0.192%	55
3	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$3,709	+0.246%	1,664
4	U.S. Bank National Association	Strong	Strong	Strong	Strong	$1,183	+0.093%	71
5	Bank of America, National Association	Strong	Strong	Strong	Strong	$1,376	+0.088%	60
6	NAVY FEDERAL CREDIT UNION	Strong	Exceptional	Sound	Sound	$1,362	-0.556%	39
7	Wells Fargo Bank, National Association	Strong	Strong	Sound	Strong	$2,199	+0.078%	72
8	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	$4,522	+0.204%	71
9	ALTITUDE FINANCIAL CORPORATION	Strong	Sound	Exceptional	Strong	$5,649	+0.539%	43
10	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,923	+0.275%	818
11	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Strong	$4,143	+0.169%	274
12	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$2,470	+0.192%	165
13	INSPIRE HOME LOANS INC.	Strong	Sound	Strong	Strong	$6,582	+0.428%	109
14	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Strong	$3,549	+0.280%	87
15	NORWICH COMMERCIAL GROUP, INC.	Strong	Sound	Strong	Strong	$2,685	+0.182%	64
16	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$3,234	+0.149%	62
17	Tri Counties Bank	Strong	Strong	Sound	Sound	-$2,507	-0.009%	22
18	KIND LENDING, LLC	Strong	Acceptable	Strong	Exceptional	$3,961	+0.295%	784
19	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Strong	Exceptional	$4,876	+0.296%	290
20	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$4,650	+0.098%	175
21	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	$5,385	+0.571%	84
22	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$2,863	+0.074%	72
23	THE GOLDEN 1	Strong	Sound	Sound	Strong	$964	+0.324%	63
24	BAY EQUITY LLC	Strong	Sound	Strong	Sound	$5,377	+0.470%	43
25	GUARANTEED RATE, INC.	Strong	Sound	Strong	Sound	$2,551	+0.196%	42
26	ALAMEDA MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	$5,229	+0.608%	654
27	GOLDEN EMPIRE MORTGAGE, INC.	Strong	Mediocre	Exceptional	Exceptional	$5,336	+0.399%	331
28	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Strong	Strong	$3,891	+0.368%	183
29	THE LOAN STORE, INC.	Strong	Acceptable	Strong	Strong	$3,760	+0.285%	107
30	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$1,959	+0.863%	72
31	Flagstar Bank, N.A.	Strong	Acceptable	Strong	Strong	$3,590	+0.322%	70
32	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	$4,088	+0.406%	63
33	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	$3,563	+0.490%	61
34	CLM MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	$2,661	+0.238%	56
35	BAY-VALLEY MORTGAGE GROUP	Strong	Acceptable	Strong	Strong	$6,049	+0.480%	47
36	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	$5,448	+0.398%	40
37	GoodLeap, LLC	Strong	Sound	Sound	Sound	$4,936	+0.214%	27
38	NMSI, INC.	Strong	Acceptable	Exceptional	Sound	$2,987	+0.255%	25
39	PLANET HOME LENDING, LLC	Strong	Acceptable	Exceptional	Sound	$1,907	+0.009%	23
40	AMERICAN PACIFIC MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Strong	$5,673	+0.472%	91
41	JMAC LENDING, INC.	Sound	Acceptable	Sound	Strong	$3,073	+0.301%	52
42	OCMBC, INC.	Sound	Acceptable	Strong	Sound	$4,953	+0.920%	48
43	NATIONSTAR MORTGAGE LLC	Sound	Acceptable	Strong	Sound	$5,960	+0.467%	47
44	Equity Prime Mortgage LLC	Sound	Acceptable	Strong	Sound	$5,563	+0.954%	45
45	Commerce Home Mortgage, Inc.	Sound	Acceptable	Strong	Sound	$4,498	+0.465%	39
46	AMERICAN FINANCIAL NETWORK, INC.	Sound	Acceptable	Strong	Sound	$4,223	+0.461%	39
47	SUN WEST MORTGAGE COMPANY, INC.	Sound	Acceptable	Strong	Sound	$5,882	+0.016%	38
48	RESIDENTIAL WHOLESALE MORTGAGE, INC.	Sound	Acceptable	Strong	Sound	$4,208	+0.727%	36
49	NEWREZ LLC	Sound	Acceptable	Sound	Sound	$2,200	+0.430%	53
50	NEW AMERICAN FUNDING, LLC	Sound	Acceptable	Sound	Sound	$4,421	+0.643%	48

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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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