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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 Conventional Mortgage Company Lenders in Fresno

Updated February 5, 2026

Market Overview

Total Lenders

9,533

Total Loans

0.40%

Median Rate Spread

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

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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