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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 Fresno
Updated February 5, 2026
Market Overview
48
Total Lenders
8,532
Total Loans
0.45%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,709 | +0.246% | 1,664 | |
2 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $4,522 | +0.204% | 71 | |
3 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Exceptional | Strong | $5,649 | +0.539% | 43 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,923 | +0.275% | 818 | |
5 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,470 | +0.192% | 165 | |
6 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $6,582 | +0.428% | 109 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,549 | +0.280% | 87 | |
8 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Strong | $2,685 | +0.182% | 64 | |
9 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,234 | +0.149% | 62 | |
10 | KIND LENDING, LLC | Strong | Acceptable | Strong | Exceptional | $3,961 | +0.295% | 784 | |
11 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Exceptional | $4,876 | +0.296% | 290 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $4,650 | +0.098% | 175 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $5,385 | +0.571% | 84 | |
14 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,863 | +0.074% | 72 | |
15 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $5,377 | +0.470% | 43 | |
16 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,551 | +0.196% | 42 | |
17 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $5,229 | +0.608% | 654 | |
18 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | $5,336 | +0.399% | 331 | |
19 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,891 | +0.368% | 183 | |
20 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $3,760 | +0.285% | 107 | |
21 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,959 | +0.863% | 72 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,088 | +0.406% | 63 | |
23 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,563 | +0.490% | 61 | |
24 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,661 | +0.238% | 56 | |
25 | BAY-VALLEY MORTGAGE GROUP | Strong | Acceptable | Strong | Strong | $6,049 | +0.480% | 47 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $5,448 | +0.398% | 40 | |
27 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $4,936 | +0.214% | 27 | |
28 | NMSI, INC. | Strong | Acceptable | Exceptional | Sound | $2,987 | +0.255% | 25 | |
29 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Sound | $1,907 | +0.009% | 23 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $5,673 | +0.472% | 91 | |
31 | JMAC LENDING, INC. | Sound | Acceptable | Sound | Strong | $3,073 | +0.301% | 52 | |
32 | OCMBC, INC. | Sound | Acceptable | Strong | Sound | $4,953 | +0.920% | 48 | |
33 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $5,960 | +0.467% | 47 | |
34 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $5,563 | +0.954% | 45 | |
35 | Commerce Home Mortgage, Inc. | Sound | Acceptable | Strong | Sound | $4,498 | +0.465% | 39 | |
36 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | $4,223 | +0.461% | 39 | |
37 | SUN WEST MORTGAGE COMPANY, INC. | Sound | Acceptable | Strong | Sound | $5,882 | +0.016% | 38 | |
38 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $4,208 | +0.727% | 36 | |
39 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Strong | Strong | $4,774 | +0.373% | 88 | |
40 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,200 | +0.430% | 53 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $4,421 | +0.643% | 48 | |
42 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Acceptable | Sound | Sound | $3,741 | +0.608% | 31 | |
43 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $5,109 | +0.976% | 27 | |
44 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Acceptable | Sound | Sound | $1,717 | +0.476% | 26 | |
45 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | $4,553 | +0.765% | 29 | |
46 | MORIA DEVELOPMENT, INC. | Sound | Mediocre | Strong | Sound | $2,989 | +0.475% | 21 | |
47 | NEXERA HOLDING LLC | Sound | Mediocre | Sound | Sound | $5,562 | +1.191% | 26 |
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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