# Best Mortgage Lenders in Los Angeles

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

Compare the top mortgage lenders in Los Angeles. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/local/los-angeles/best-mortgage-lenders


> **📋 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:** 260
- **Total Loans:** 47,658
- **Median Rate Spread:** 0.3328875502008032%

## Top Lenders

| Rank | Lender | Safe Rate Score | Pricing | Pull-Through | Place | Avg Fees | Rate Spread | Volume | Type | Channel | Notes |
|------|--------|----------------|---------|--------------|-------|----------|-------------|--------|------|---------|-------|
| 1 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 78 | 41 | 93 | 100 | $2761 | 0.190% | 6,340 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 2 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | 78 | 75 | 71 | 88 | -$381 (Credit) | -0.083% | 1,471 | Bank | Direct | — |
| 3 | [Citibank, National Association](https://saferate.com/lenders/citibank-national-association) | 78 | 87 | 58 | 89 | -$1117 (Credit) | -0.300% | 1,113 | Bank | Direct | — |
| 4 | [Morgan Stanley Private Bank, National Association](https://saferate.com/lenders/morgan-stanley-private-bank-national-association) | 78 | 94 | 66 | 73 | $315 | -0.473% | 276 | Bank | Direct | — |
| 5 | [SCHOOLSFIRST](https://saferate.com/lenders/schoolsfirst) | 77 | 79 | 72 | 81 | $502 | -0.002% | 380 | Credit Union | Direct | — |
| 6 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | 76 | 73 | 75 | 81 | $758 | -0.218% | 709 | Bank | Direct | — |
| 7 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 74 | 29 | 95 | 98 | $3734 | 0.222% | 5,129 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Rocket Mortgage directly or with a mortgage broker. |
| 8 | [NAVY FEDERAL CREDIT UNION](https://saferate.com/lenders/navy-federal-credit-union) | 72 | 93 | 60 | 64 | $466 | -0.694% | 168 | Credit Union | Direct | — |
| 9 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | 70 | 49 | 70 | 89 | $1965 | 0.072% | 1,827 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with JPMorgan Chase Bank, National Association directly or with a mortgage broker. |
| 10 | [NMSI, INC.](https://saferate.com/lenders/nmsi) | 70 | 33 | 92 | 85 | $2800 | 0.270% | 621 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 11 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | 68 | 63 | 59 | 83 | $679 | -0.229% | 878 | Bank | Direct | — |
| 12 | [AMWEST FUNDING CORP.](https://saferate.com/lenders/amwest-funding) | 67 | N/A | 62 | 89 | N/A | N/A | 951 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 13 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | 67 | 48 | 76 | 78 | $2956 | 0.086% | 666 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Loandepot.Com directly or with a mortgage broker. |
| 14 | [BMO Bank National Association](https://saferate.com/lenders/bmo-bank-national-association) | 66 | 60 | 57 | 82 | $718 | -0.034% | 562 | Bank | Direct | — |
| 15 | [PNC Bank, National Association](https://saferate.com/lenders/pnc-bank-national-association) | 66 | 71 | 61 | 68 | $453 | 0.028% | 211 | Bank | Direct | — |
| 16 | [General Mortgage Capital Corporation](https://saferate.com/lenders/general-mortgage-capital) | 66 | 50 | 79 | 70 | $2091 | 0.047% | 165 | Independent Mortgage Company | Direct | — |
| 17 | [PROVIDENT FUNDING ASSOCIATES, L.P.](https://saferate.com/lenders/provident-funding-associates-lp) | 66 | 83 | 55 | 62 | $1288 | -0.075% | 120 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 18 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | 65 | 56 | 63 | 77 | $1583 | 0.124% | 546 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Pennymac Loan Services directly or with a mortgage broker. |
| 19 | [Flagstar Bank, N.A.](https://saferate.com/lenders/flagstar-bank) | 64 | 40 | 76 | 75 | $2723 | 0.235% | 435 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with Flagstar Bank, N.A. directly or with a mortgage broker. |
| 20 | [THE LOAN STORE, INC.](https://saferate.com/lenders/the-loan-store) | 64 | 40 | 77 | 75 | $2281 | 0.368% | 408 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 21 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | 64 | 55 | 67 | 70 | $2252 | 0.029% | 301 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Freedom Mortgage Corporation directly or with a mortgage broker. |
| 22 | [First-Citizens Bank & Trust Company](https://saferate.com/lenders/first-citizens-bank-trust) | 64 | 60 | 62 | 68 | $65 | -0.093% | 172 | Bank | Direct | — |
| 23 | [FIRST COLONY MORTGAGE CORPORATION](https://saferate.com/lenders/first-colony-mortgage) | 64 | 42 | 84 | 67 | $2331 | 0.201% | 167 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with First Colony Mortgage Corporation directly or with a mortgage broker. |
| 24 | [ARK-LA-TEX FINANCIAL SERVICES, LLC.](https://saferate.com/lenders/ark-la-tex-financial-services) | 64 | 46 | 83 | 63 | $2251 | 0.422% | 141 | 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. |
| 25 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 63 | 33 | 81 | 75 | $2465 | 0.287% | 466 | Independent Mortgage Company | Direct | — |
| 26 | [City National Bank](https://saferate.com/lenders/city-national-bank) | 63 | 48 | 54 | 86 | $2482 | -0.046% | 444 | Bank | Direct | — |
| 27 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 63 | 32 | 84 | 74 | $2463 | 0.340% | 426 | Independent Mortgage Company | Direct | — |
| 28 | [FIDELITY LENDING SOLUTIONS, INC.](https://saferate.com/lenders/fidelity-lending-solutions) | 63 | N/A | 62 | 79 | $6258 | 0.748% | 230 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 29 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 62 | 41 | 69 | 76 | $1947 | 0.130% | 518 | Independent Mortgage Company | Direct | — |
| 30 | [NATIONS DIRECT MORTGAGE, LLC](https://saferate.com/lenders/nations-direct-mortgage) | 62 | 38 | 74 | 72 | $3062 | 0.398% | 236 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 31 | [Zions Bancorporation, N.A.](https://saferate.com/lenders/zions-bancorporation) | 62 | 72 | 49 | 65 | $993 | -0.207% | 118 | Bank | Direct | — |
| 32 | [AUGUSTA FINANCIAL, INC.](https://saferate.com/lenders/augusta-financial) | 61 | 32 | 70 | 82 | $3205 | 0.238% | 292 | Independent Mortgage Company | Direct | — |
| 33 | [KIND LENDING, LLC](https://saferate.com/lenders/kind-lending) | 61 | 39 | 73 | 72 | $2651 | 0.272% | 288 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 34 | [Sierra Pacific Mortgage Company, Inc.](https://saferate.com/lenders/sierra-pacific-mortgage-company) | 61 | 32 | 80 | 72 | $3394 | 0.155% | 256 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Sierra Pacific Mortgage Company directly or with a mortgage broker. |
| 35 | [T. J. FINANCIAL, INC.](https://saferate.com/lenders/t-j-financial) | 61 | N/A | 61 | 72 | N/A | N/A | 101 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 36 | [OCMBC, INC.](https://saferate.com/lenders/ocmbc) | 60 | 21 | 64 | 94 | $3722 | 0.549% | 1,671 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 37 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 60 | 24 | 85 | 70 | $4234 | 0.323% | 318 | Independent Mortgage Company | Direct | — |
| 38 | [EMET LENDING GROUP, INC.](https://saferate.com/lenders/emet-lending-group) | 59 | 7 | 82 | 88 | $4961 | 0.967% | 685 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Emet Lending Group directly or with a mortgage broker. |
| 39 | [Paramount Residential Mortgage Group, Inc.](https://saferate.com/lenders/paramount-residential-mortgage-group) | 59 | 27 | 72 | 79 | $3720 | 0.423% | 556 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Paramount Residential Mortgage Group directly or with a mortgage broker. |
| 40 | [GOLDEN EMPIRE MORTGAGE, INC.](https://saferate.com/lenders/golden-empire-mortgage) | 59 | 18 | 87 | 73 | $3042 | 0.406% | 217 | Independent Mortgage Company | Direct | — |
| 41 | [AAA CAPITAL INVESTMENT, INC.](https://saferate.com/lenders/aaa-capital-investment) | 58 | 29 | 65 | 81 | $2464 | 0.233% | 348 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Aaa Capital Investment directly or with a mortgage broker. |
| 42 | [AMERICAN FINANCIAL NETWORK, INC.](https://saferate.com/lenders/american-financial-network) | 58 | 28 | 71 | 75 | $2035 | 0.411% | 338 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with American Financial Network directly or with a mortgage broker. |
| 43 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | 58 | 25 | 83 | 65 | $4619 | 0.347% | 197 | Independent Mortgage Company | Direct | — |
| 44 | [RESICENTRAL, LLC](https://saferate.com/lenders/resicentral) | 58 | 57 | 53 | 63 | $1725 | 0.288% | 112 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 45 | [NEW WAVE LENDING GROUP INC](https://saferate.com/lenders/new-wave-lending-group) | 57 | 14 | 69 | 88 | $3720 | 0.542% | 777 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with New Wave Lending Group Inc directly or with a mortgage broker. |
| 46 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | 57 | 20 | 76 | 77 | $3410 | 0.473% | 614 | Independent Mortgage Company | Direct | — |
| 47 | [NexBank](https://saferate.com/lenders/nexbank) | 57 | 41 | 66 | 64 | $2175 | 0.385% | 120 | Bank | Wholesale | Pricing may vary between mortgage brokers. |
| 48 | [Charles Schwab Bank, SSB](https://saferate.com/lenders/charles-schwab-bank-ssb) | 57 | 37 | 70 | 64 | $657 | -0.292% | 107 | Bank | Wholesale | Pricing may vary between mortgage brokers. |
| 49 | [LOGIX FEDERAL CREDIT UNION](https://saferate.com/lenders/logix-federal-credit-union) | 56 | 53 | 42 | 74 | $984 | 0.239% | 127 | Credit Union | Direct | — |
| 50 | [Barrington Bank & Trust Company, National Association](https://saferate.com/lenders/barrington-bank-trust-company-national-association) | 56 | 36 | 69 | 62 | $3177 | 0.295% | 117 | Bank | 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 Los Angeles.

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. **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.