Safe Rate Rankings

Best Jumbo Mortgage Lenders in Los Angeles

Updated June 4, 2026

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!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders260

Total Loans47,658

Median Rate Spread0.33%

Los Angeles Market Insights

Us Bank National Association is Safe Rate's top-ranked Jumbo lender in Los Angeles, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Los Angeles, Morgan Stanley Private Bank National Association and Citibank National Association scores highest on Jumbo pricing while Bank of America National Association and Schoolsfirst leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #6 in Los Angeles, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Los Angeles: Rocket Mortgage (#9) and United Wholesale Mortgage (#6).

Explore Rankings by Type

Overall Rankings

All lenders in Los Angeles

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$381Credit	0.083%Below	1,471
2	Citibank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$1,117Credit	0.300%Below	1,113
3	Bank of America, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$758Fees	0.218%Below	709
4	Morgan Stanley Private Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$315Fees	0.473%Below	276
5	Wells Fargo Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$679Fees	0.229%Below	878
6	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Sound*	Exceptional	Strong	Exceptional	$2,761Fees	0.190%Above	6,340
7	SCHOOLSFIRST Credit UnionDirect	Exceptional	Exceptional	Strong	Strong	Exceptional	$502Fees	0.002%Below	380
8	BMO Bank National Association BankDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$718Fees	0.034%Below	562
9	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,734Fees	0.222%Above	5,129
10	First-Citizens Bank & Trust Company BankDirect	Strong	Strong	Exceptional	Strong	Strong	$65Fees	0.093%Below	172
11	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$1,965Fees	0.072%Above	1,827
12	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$1,947Fees	0.130%Above	518
13	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$466Fees	0.694%Below	168
14	Charles Schwab Bank, SSB BankWholesale	Strong	Sound*	Exceptional	Exceptional	Strong	$657Fees	0.292%Below	107
15	NMSI, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$2,800Fees	0.270%Above	621
16	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,583Fees	0.124%Above	546
17	AMWEST FUNDING CORP. Independent Mortgage CompanyWholesale	Strong	—	Exceptional	Strong	Exceptional	—	—	951
18	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,410Fees	0.473%Above	614
19	City National Bank BankDirect	Strong	Strong	Strong	Sound	Exceptional	$2,482Fees	0.046%Below	444
20	Zions Bancorporation, N.A. BankDirect	Strong	Strong	Exceptional	Sound	Strong	$993Fees	0.207%Below	118
21	PNC Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Strong	$453Fees	0.028%Above	211
22	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,956Fees	0.086%Above	666
23	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$2,463Fees	0.340%Above	426
24	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$2,465Fees	0.287%Above	466
25	OriginPoint, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Sound	Strong	$3,039Fees	0.300%Above	215
26	FIDELITY LENDING SOLUTIONS, INC. Independent Mortgage CompanyWholesale	Strong	—	Strong	Strong	Strong	$6,258Fees	0.748%Above	230
27	Greenbox Loans, Inc. Independent Mortgage CompanyWholesale	Strong	—	Strong	Strong	Strong	$9,364Fees	1.564%Above	105
28	FIRST STANDARD FINANCIAL CORP. Independent Mortgage CompanyDirect	Strong	Mediocre	Strong	Exceptional	Strong	$4,174Fees	0.385%Above	216
29	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Sound	Strong	$2,743Fees	0.330%Above	175
30	EMET LENDING GROUP, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Mediocre*	Exceptional	Strong	Exceptional	$4,961Fees	0.967%Above	685
31	AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,035Fees	0.411%Above	338
32	Logan Finance Corporation Independent Mortgage CompanyWholesale	Strong	Mediocre*	Exceptional	Strong	Exceptional	$2,134Fees	1.023%Above	334
33	CALIFORNIA CREDIT UNION Credit UnionDirect	Strong	—	Strong	Sound	Strong	—	—	119
34	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,234Fees	0.323%Above	318
35	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,619Fees	0.347%Above	197
36	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$2,942Fees	0.439%Above	670
37	AUGUSTA FINANCIAL, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$3,205Fees	0.238%Above	292
38	Barrington Bank & Trust Company, National Association BankDirect	Strong	Strong	Strong	Sound	Strong	$3,177Fees	0.295%Above	117
39	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,281Fees	0.368%Above	408
40	NexBank BankWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,175Fees	0.385%Above	120
41	OCMBC, INC. Independent Mortgage CompanyWholesale	Strong	Mediocre*	Exceptional	Sound	Exceptional	$3,722Fees	0.549%Above	1,671
42	STG MORTGAGE INC Independent Mortgage CompanyWholesale	Strong	Sound*	Strong	Sound	Strong	$2,233Fees	0.336%Above	145
43	NEW WAVE LENDING GROUP INC Independent Mortgage CompanyDirect & Wholesale	Sound	Mediocre*	Exceptional	Strong	Exceptional	$3,720Fees	0.542%Above	777
44	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	Strong	$2,546Fees	0.347%Above	355
45	GOLDEN EMPIRE MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$3,042Fees	0.406%Above	217
46	CLEAREDGE LENDING LLC Independent Mortgage CompanyWholesale	Sound	Mediocre*	Exceptional	Strong	Strong	$4,255Fees	0.990%Above	169
47	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	Strong	$3,720Fees	0.423%Above	556
48	AAA CAPITAL INVESTMENT, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Mediocre*	Strong	Strong	Exceptional	$2,464Fees	0.233%Above	348
49	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Exceptional	Sound	Strong	$2,651Fees	0.272%Above	288
50	EMPORIUM TPO LLC Independent Mortgage CompanyWholesale	Sound	Mediocre*	Strong	Strong	Strong	$3,240Fees	1.009%Above	113

❓ Frequently Asked Questions

How are mortgage lenders ranked in Los Angeles?+

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 Los Angeles), 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.

What is the Safe Rate Score?+

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.

How many mortgage lenders are active in Los Angeles?+

Based on 2024 HMDA data, 260 lenders originated a combined 47,658 loans in Los Angeles. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Los Angeles?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Los Angeles is 0.33%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

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.

Does Safe Rate accept payment from lenders to appear in 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.

What is the difference between a bank, credit union, and independent mortgage company?+

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 Los Angeles's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ 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.