# Best VA Mortgage Lenders in California

**As of:** 2026-06-04

Compare the top VA mortgage lenders in California. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/local/california/best-mortgage-lenders/va-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 452
- **Total Loans:** 284,401
- **Median Rate Spread:** 0.23914482758620692%

## Top Lenders

| Rank | Lender | Safe Rate Score | Pricing | Product | Pull-Through | Place | Avg Fees | Rate Spread | Volume | Type | Channel | Notes |
|------|--------|----------------|---------|---------|--------------|-------|----------|-------------|--------|------|---------|-------|
| 1 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 86 | 64 | 98 | 83 | 100 | $2807 | 0.135% | 41,870 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 2 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 81 | 79 | 92 | 70 | 83 | $2308 | 0.142% | 4,046 | Independent Mortgage Company | Direct | — |
| 3 | [NAVY FEDERAL CREDIT UNION](https://saferate.com/lenders/navy-federal-credit-union) | 80 | 91 | 96 | 59 | 75 | $580 | -0.539% | 1,546 | Credit Union | Direct | — |
| 4 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | 78 | 71 | 85 | 65 | 91 | -$820 (Credit) | -0.142% | 8,858 | Bank | Direct | — |
| 5 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 77 | 54 | 93 | 81 | 80 | $2918 | 0.201% | 2,821 | Independent Mortgage Company | Direct | — |
| 6 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 76 | 29 | 97 | 81 | 96 | $3583 | 0.180% | 26,634 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Rocket Mortgage directly or with a mortgage broker. |
| 7 | [KIND LENDING, LLC](https://saferate.com/lenders/kind-lending) | 76 | 64 | 86 | 67 | 85 | $3199 | 0.335% | 3,338 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 8 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | 75 | 75 | 82 | 54 | 89 | $2238 | 0.068% | 7,658 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with JPMorgan Chase Bank, National Association directly or with a mortgage broker. |
| 9 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | 75 | 53 | 92 | 69 | 87 | $2524 | 0.036% | 6,417 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Loandepot.Com directly or with a mortgage broker. |
| 10 | [AMERICAN FINANCIAL NETWORK, INC.](https://saferate.com/lenders/american-financial-network) | 75 | 75 | 83 | 63 | 77 | $1746 | 0.439% | 1,343 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with American Financial Network directly or with a mortgage broker. |
| 11 | [INSPIRE HOME LOANS INC.](https://saferate.com/lenders/inspire-home-loans) | 75 | 66 | 86 | 78 | 71 | $2214 | 0.536% | 683 | Independent Mortgage Company | Direct | — |
| 12 | [FIRST COLONY MORTGAGE CORPORATION](https://saferate.com/lenders/first-colony-mortgage) | 75 | 64 | 84 | 81 | 70 | $2295 | 0.151% | 598 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with First Colony Mortgage Corporation directly or with a mortgage broker. |
| 13 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | 74 | 61 | 91 | 62 | 83 | $1574 | 0.078% | 3,610 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Pennymac Loan Services directly or with a mortgage broker. |
| 14 | [THE LOAN STORE, INC.](https://saferate.com/lenders/the-loan-store) | 74 | 51 | 84 | 75 | 85 | $2442 | 0.279% | 3,591 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 15 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | 74 | 61 | 96 | 63 | 78 | $2563 | 0.013% | 2,227 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Freedom Mortgage Corporation directly or with a mortgage broker. |
| 16 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 74 | 45 | 93 | 81 | 76 | $2852 | 0.324% | 1,883 | Independent Mortgage Company | Direct | — |
| 17 | [GUARANTEED RATE AFFINITY, LLC](https://saferate.com/lenders/guaranteed-rate-affinity) | 74 | 65 | 85 | 72 | 75 | $2545 | 0.254% | 1,170 | Independent Mortgage Company | Direct | — |
| 18 | [ARK-LA-TEX FINANCIAL SERVICES, LLC.](https://saferate.com/lenders/ark-la-tex-financial-services) | 74 | 56 | 90 | 81 | 68 | $2938 | 0.315% | 637 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Ark-La-Tex Financial Services directly or with a mortgage broker. |
| 19 | [Flagstar Bank, N.A.](https://saferate.com/lenders/flagstar-bank) | 73 | 56 | 87 | 68 | 81 | $2818 | 0.246% | 2,514 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with Flagstar Bank, N.A. directly or with a mortgage broker. |
| 20 | [PRIMELENDING, A PLAINSCAPITAL COMPANY](https://saferate.com/lenders/primelending-a-plainscapital) | 73 | 48 | 90 | 82 | 72 | $4972 | 0.349% | 978 | Independent Mortgage Company | Direct | — |
| 21 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | 71 | 32 | 94 | 71 | 86 | $3608 | 0.430% | 6,498 | Independent Mortgage Company | Direct | — |
| 22 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 71 | 33 | 93 | 83 | 77 | $4187 | 0.393% | 2,207 | Independent Mortgage Company | Direct | — |
| 23 | [OriginPoint, LLC](https://saferate.com/lenders/originpoint) | 71 | 73 | 74 | 63 | 75 | $2143 | 0.231% | 754 | Independent Mortgage Company | Direct | — |
| 24 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | 70 | 53 | 83 | 55 | 89 | $241 | -0.196% | 6,267 | Bank | Direct | — |
| 25 | [Paramount Residential Mortgage Group, Inc.](https://saferate.com/lenders/paramount-residential-mortgage-group) | 70 | 40 | 85 | 71 | 83 | $3725 | 0.420% | 2,887 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Paramount Residential Mortgage Group directly or with a mortgage broker. |
| 26 | [NEWREZ LLC](https://saferate.com/lenders/newrez) | 70 | 47 | 92 | 63 | 80 | $2558 | 0.295% | 2,476 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Newrez Llc directly or with a mortgage broker. |
| 27 | [Sierra Pacific Mortgage Company, Inc.](https://saferate.com/lenders/sierra-pacific-mortgage-company) | 70 | 38 | 81 | 77 | 84 | $4493 | 0.251% | 2,398 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Sierra Pacific Mortgage Company directly or with a mortgage broker. |
| 28 | [RESICENTRAL, LLC](https://saferate.com/lenders/resicentral) | 70 | 72 | 73 | 60 | 74 | $1357 | 0.170% | 738 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 29 | [OCMBC, INC.](https://saferate.com/lenders/ocmbc) | 68 | 43 | 76 | 63 | 90 | $3771 | 0.562% | 4,583 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 30 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | 68 | 22 | 92 | 77 | 80 | $4777 | 0.321% | 3,038 | Independent Mortgage Company | Direct | — |
| 31 | [GOLDEN EMPIRE MORTGAGE, INC.](https://saferate.com/lenders/golden-empire-mortgage) | 68 | 22 | 79 | 83 | 87 | $4902 | 0.361% | 2,371 | Independent Mortgage Company | Direct | — |
| 32 | [STG MORTGAGE INC](https://saferate.com/lenders/stg-mortgage) | 68 | 78 | 68 | 50 | 77 | $2161 | 0.269% | 707 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 33 | [Mortgage Research Center, LLC](https://saferate.com/lenders/mortgage-research-center) | 67 | 34 | 100 | 61 | 74 | $3718 | 0.397% | 1,584 | Independent Mortgage Company | Direct | — |
| 34 | [BAY EQUITY LLC](https://saferate.com/lenders/bay-equity) | 67 | 38 | 85 | 73 | 72 | $2745 | 0.185% | 824 | Independent Mortgage Company | Direct | — |
| 35 | [JMAC LENDING, INC.](https://saferate.com/lenders/jmac-lending) | 67 | 60 | 72 | 63 | 75 | $2937 | 0.365% | 668 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 36 | [NATIONS DIRECT MORTGAGE, LLC](https://saferate.com/lenders/nations-direct-mortgage) | 67 | 35 | 82 | 77 | 72 | $3193 | 0.407% | 642 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 37 | [AMERICAN PACIFIC MORTGAGE CORPORATION](https://saferate.com/lenders/american-pacific-mortgage) | 66 | 10 | 89 | 79 | 85 | $4461 | 0.438% | 3,541 | Independent Mortgage Company | Direct | — |
| 38 | [FRANKLIN LOAN CORPORATION](https://saferate.com/lenders/franklin-loan) | 66 | 35 | 69 | 81 | 81 | $3531 | 0.445% | 1,042 | Independent Mortgage Company | Direct | — |
| 39 | [SUN WEST MORTGAGE COMPANY, INC.](https://saferate.com/lenders/sun-west-mortgage-company) | 66 | 48 | 82 | 61 | 75 | $4263 | 0.161% | 882 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Sun West Mortgage Company directly or with a mortgage broker. |
| 40 | [PLAZA HOME MORTGAGE, INC.](https://saferate.com/lenders/plaza-home-mortgage) | 66 | 42 | 87 | 63 | 70 | $3344 | 0.432% | 729 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 41 | [ZILLOW HOME LOANS, LLC](https://saferate.com/lenders/zillow-home-loans) | 65 | 39 | 79 | 68 | 73 | $3050 | 0.240% | 842 | Independent Mortgage Company | Direct | — |
| 42 | [ALAMEDA MORTGAGE CORPORATION](https://saferate.com/lenders/alameda-mortgage) | 63 | 7 | 76 | 86 | 84 | $4554 | 0.492% | 1,702 | Independent Mortgage Company | Direct | — |
| 43 | [NATIONSTAR MORTGAGE LLC](https://saferate.com/lenders/nationstar-mortgage) | 63 | 20 | 86 | 69 | 76 | $3283 | 0.164% | 1,418 | Independent Mortgage Company | Direct | — |
| 44 | [NEW AMERICAN FUNDING, LLC](https://saferate.com/lenders/new-american-funding) | 62 | 19 | 90 | 58 | 81 | $3287 | 0.424% | 2,962 | Independent Mortgage Company | Direct | — |
| 45 | [SUMMIT FUNDING, INC.](https://saferate.com/lenders/summit-funding) | 62 | 17 | 82 | 77 | 73 | $6059 | 0.528% | 684 | Independent Mortgage Company | Direct | — |
| 46 | [Synergy One Lending, Inc.](https://saferate.com/lenders/synergy-one-lending) | 62 | 23 | 80 | 75 | 72 | $4224 | 0.410% | 662 | Independent Mortgage Company | Direct | — |
| 47 | [AMWEST FUNDING CORP.](https://saferate.com/lenders/amwest-funding) | 61 | N/A | 63 | 45 | 85 | N/A | N/A | 2,519 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 48 | [Commerce Home Mortgage, Inc.](https://saferate.com/lenders/commerce-home-mortgage) | 61 | 19 | 77 | 65 | 82 | $3381 | 0.445% | 1,617 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Commerce Home Mortgage directly or with a mortgage broker. |
| 49 | [EVERETT FINANCIAL, INC.](https://saferate.com/lenders/everett-financial) | 59 | 9 | 83 | 75 | 71 | $4892 | 0.624% | 823 | Independent Mortgage Company | Direct | — |
| 50 | [Equity Prime Mortgage LLC](https://saferate.com/lenders/equity-prime-mortgage) | 58 | 20 | 83 | 57 | 72 | $3688 | 0.543% | 823 | Independent Mortgage Company | Direct | — |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within California.

Our composite Safe Rate Score is derived using a weighted average of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.

## Licensing & Disclosures

Lender rankings and market statistics are created by [Dylan Hall, licensed mortgage loan officer (NMLS #1658740)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/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)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/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.