Safe Rate Rankings
Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association BankDirect | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $820Credit | 0.142%Below | 8,858 | |
2 | Bank of America, National Association BankDirect | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $518Credit | 0.287%Below | 5,011 | |
3 | Citibank, National Association BankDirect | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,742Credit | 0.289%Below | 3,776 | |
4 | Morgan Stanley Private Bank, National Association BankDirect | Exceptional | Exceptional | Exceptional | Strong | Strong | $305Fees | 0.471%Below | 1,247 | |
5 | Wells Fargo Bank, National Association BankDirect | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $241Fees | 0.196%Below | 6,267 | |
6 | HSBC BANK USA, NATIONAL ASSOCIATION BankDirect | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,668Credit | 0.198%Below | 1,592 | |
7 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Exceptional | Sound* | Exceptional | Strong | Exceptional | $2,807Fees | 0.135%Above | 41,870 | |
8 | SCHOOLSFIRST Credit UnionDirect | Exceptional | Exceptional | Strong | Strong | Exceptional | $374Fees | 0.013%Below | 1,736 | |
9 | BMO Bank National Association BankDirect | Exceptional | Strong | Exceptional | Strong | Exceptional | $405Credit | 0.030%Below | 2,800 | |
10 | STAR ONE Credit Union Credit UnionDirect | Exceptional | Exceptional | Exceptional | Strong | Strong | $116Credit | 0.643%Below | 591 | |
11 | THE GOLDEN 1 Credit UnionDirect | Strong | Strong | Exceptional | Strong | Exceptional | $264Credit | 0.044%Above | 1,163 | |
12 | Charles Schwab Bank, SSB BankWholesale | Strong | Sound* | Exceptional | Exceptional | Strong | $633Fees | 0.277%Below | 821 | |
13 | First-Citizens Bank & Trust Company BankDirect | Strong | Strong | Exceptional | Strong | Strong | $551Credit | 0.117%Below | 660 | |
14 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Exceptional | $3,583Fees | 0.180%Above | 26,634 | |
15 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Exceptional | Sound | Strong | $580Fees | 0.539%Below | 1,546 | |
16 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Strong | Exceptional | Strong | Exceptional | $2,308Fees | 0.142%Above | 4,046 | |
17 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Exceptional | $2,238Fees | 0.068%Above | 7,658 | |
18 | GOOGAIN, INC. Independent Mortgage CompanyDirect | Strong | Strong | Strong | Exceptional | Strong | $754Credit | 0.002%Above | 714 | |
19 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Exceptional | $1,574Fees | 0.078%Above | 3,610 | |
20 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,608Fees | 0.430%Above | 6,498 | |
21 | PNC Bank, National Association BankDirect | Strong | Sound | Exceptional | Strong | Strong | $791Credit | 0.009%Above | 1,452 | |
22 | Zions Bancorporation, N.A. BankDirect | Strong | Strong | Exceptional | Sound | Strong | $1,167Fees | 0.201%Below | 634 | |
23 | NMSI, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Exceptional | Exceptional | Exceptional | $2,670Fees | 0.276%Above | 2,049 | |
24 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Sound | Exceptional | $2,524Fees | 0.036%Above | 6,417 | |
25 | AMWEST FUNDING CORP. Independent Mortgage CompanyWholesale | Strong | — | Exceptional | Strong | Exceptional | — | — | 2,519 | |
26 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Exceptional | $2,918Fees | 0.201%Above | 2,821 | |
27 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Strong | $2,852Fees | 0.324%Above | 1,883 | |
28 | GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Sound | Strong | $2,545Fees | 0.254%Above | 1,170 | |
29 | City National Bank BankDirect | Strong | Strong | Strong | Sound | Strong | $2,580Fees | 0.021%Above | 699 | |
30 | OriginPoint, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Sound | Strong | $2,143Fees | 0.231%Above | 754 | |
31 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,777Fees | 0.321%Above | 3,038 | |
32 | PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Strong | $4,972Fees | 0.349%Above | 978 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $4,187Fees | 0.393%Above | 2,207 | |
34 | AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Sound | Strong | $1,746Fees | 0.439%Above | 1,343 | |
35 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Exceptional | Strong | Exceptional | $2,442Fees | 0.279%Above | 3,591 | |
36 | FRANKLIN LOAN CORPORATION Independent Mortgage CompanyDirect | Strong | Mediocre | Strong | Exceptional | Exceptional | $3,531Fees | 0.445%Above | 1,042 | |
37 | NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,287Fees | 0.424%Above | 2,962 | |
38 | NexBank BankWholesale | Strong | Acceptable* | Exceptional | Strong | Strong | $1,429Fees | 0.399%Above | 602 | |
39 | AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,461Fees | 0.438%Above | 3,541 | |
40 | KIND LENDING, LLC Independent Mortgage CompanyWholesale | Strong | Acceptable* | Exceptional | Sound | Exceptional | $3,199Fees | 0.335%Above | 3,338 | |
41 | GOLDEN EMPIRE MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Sound | Exceptional | $4,902Fees | 0.361%Above | 2,371 | |
42 | EMET LENDING GROUP, INC. Independent Mortgage CompanyDirect & Wholesale | Strong | Mediocre* | Exceptional | Strong | Exceptional | $4,916Fees | 0.983%Above | 1,347 | |
43 | General Mortgage Capital Corporation Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Sound | Strong | $1,677Fees | 0.124%Above | 951 | |
44 | STG MORTGAGE INC Independent Mortgage CompanyWholesale | Strong | Sound* | Strong | Sound | Strong | $2,161Fees | 0.269%Above | 707 | |
45 | Logan Finance Corporation Independent Mortgage CompanyWholesale | Strong | Mediocre* | Exceptional | Strong | Strong | $2,003Fees | 0.972%Above | 573 | |
46 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Sound | Strong | $2,558Fees | 0.295%Above | 2,476 | |
47 | MASON MCDUFFIE MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Sound | Strong | $3,495Fees | 0.440%Above | 836 | |
48 | Synergy One Lending, Inc. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $4,224Fees | 0.410%Above | 662 | |
49 | Commerce Home Mortgage, Inc. Independent Mortgage CompanyDirect & Wholesale | Strong | Mediocre* | Exceptional | Sound | Exceptional | $3,381Fees | 0.445%Above | 1,617 | |
50 | FIRST COLONY MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Strong | Strong | Strong | $2,295Fees | 0.151%Above | 598 |
Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in California), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.
The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.
Based on 2024 HMDA data, 452 lenders originated a combined 284,401 loans in California. Safe Rate's rankings evaluate all of them — not just a curated shortlist.
Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in California is 0.24%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.
HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.
No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.
Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In California's rankings, all three institution types are evaluated on the same HMDA performance metrics.
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.