# Best Mortgage Companie Lenders in Los Angeles

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

Compare the top mortgage companies offering mortgages in Los Angeles. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | [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. |
| 3 | [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. |
| 4 | [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. |
| 5 | [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. |
| 6 | [General Mortgage Capital Corporation](https://saferate.com/lenders/general-mortgage-capital) | 66 | 50 | 79 | 70 | $2091 | 0.047% | 165 | Independent Mortgage Company | Direct | — |
| 7 | [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. |
| 8 | [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. |
| 9 | [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. |
| 10 | [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. |
| 11 | [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. |
| 12 | [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. |
| 13 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 63 | 33 | 81 | 75 | $2465 | 0.287% | 466 | Independent Mortgage Company | Direct | — |
| 14 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 63 | 32 | 84 | 74 | $2463 | 0.340% | 426 | Independent Mortgage Company | Direct | — |
| 15 | [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. |
| 16 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 62 | 41 | 69 | 76 | $1947 | 0.130% | 518 | Independent Mortgage Company | Direct | — |
| 17 | [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. |
| 18 | [AUGUSTA FINANCIAL, INC.](https://saferate.com/lenders/augusta-financial) | 61 | 32 | 70 | 82 | $3205 | 0.238% | 292 | Independent Mortgage Company | Direct | — |
| 19 | [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. |
| 20 | [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. |
| 21 | [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. |
| 22 | [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. |
| 23 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 60 | 24 | 85 | 70 | $4234 | 0.323% | 318 | Independent Mortgage Company | Direct | — |
| 24 | [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. |
| 25 | [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. |
| 26 | [GOLDEN EMPIRE MORTGAGE, INC.](https://saferate.com/lenders/golden-empire-mortgage) | 59 | 18 | 87 | 73 | $3042 | 0.406% | 217 | Independent Mortgage Company | Direct | — |
| 27 | [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. |
| 28 | [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. |
| 29 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | 58 | 25 | 83 | 65 | $4619 | 0.347% | 197 | Independent Mortgage Company | Direct | — |
| 30 | [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. |
| 31 | [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. |
| 32 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | 57 | 20 | 76 | 77 | $3410 | 0.473% | 614 | Independent Mortgage Company | Direct | — |
| 33 | [AMERICAN PACIFIC MORTGAGE CORPORATION](https://saferate.com/lenders/american-pacific-mortgage) | 56 | 14 | 84 | 69 | $5103 | 0.517% | 238 | Independent Mortgage Company | Direct | — |
| 34 | [FIRST STANDARD FINANCIAL CORP.](https://saferate.com/lenders/first-standard-financial) | 56 | 17 | 72 | 79 | $4174 | 0.385% | 216 | Independent Mortgage Company | Direct | — |
| 35 | [PLAZA HOME MORTGAGE, INC.](https://saferate.com/lenders/plaza-home-mortgage) | 56 | 36 | 69 | 62 | $2992 | 0.445% | 124 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 36 | [NEWREZ LLC](https://saferate.com/lenders/newrez) | 55 | 35 | 59 | 72 | $2546 | 0.347% | 355 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Newrez Llc directly or with a mortgage broker. |
| 37 | [BAY-VALLEY MORTGAGE GROUP](https://saferate.com/lenders/bay-valley-mortgage-group) | 55 | 25 | 62 | 79 | $4508 | 0.314% | 278 | Independent Mortgage Company | Direct | — |
| 38 | [NATIONSTAR MORTGAGE LLC](https://saferate.com/lenders/nationstar-mortgage) | 55 | 26 | 71 | 68 | $3024 | 0.066% | 223 | Independent Mortgage Company | Direct | — |
| 39 | [CAMPOS FINANCIAL CORP.](https://saferate.com/lenders/campos-financial) | 55 | 25 | 63 | 76 | $4288 | 0.427% | 138 | Independent Mortgage Company | Direct | — |
| 40 | [Mortgage Research Center, LLC](https://saferate.com/lenders/mortgage-research-center) | 55 | 34 | 70 | 60 | $2729 | 0.350% | 125 | Independent Mortgage Company | Direct | — |
| 41 | [Greenbox Loans, Inc.](https://saferate.com/lenders/greenbox-loans) | 55 | N/A | 47 | 69 | $9364 | 1.564% | 105 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 42 | [NEW AMERICAN FUNDING, LLC](https://saferate.com/lenders/new-american-funding) | 54 | 22 | 60 | 79 | $2942 | 0.439% | 670 | Independent Mortgage Company | Direct | — |
| 43 | [SUN WEST MORTGAGE COMPANY, INC.](https://saferate.com/lenders/sun-west-mortgage-company) | 54 | 33 | 62 | 67 | $4596 | 0.265% | 157 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Sun West Mortgage Company directly or with a mortgage broker. |
| 44 | [STG MORTGAGE INC](https://saferate.com/lenders/stg-mortgage) | 54 | 48 | 46 | 69 | $2233 | 0.336% | 145 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 45 | [Commerce Home Mortgage, Inc.](https://saferate.com/lenders/commerce-home-mortgage) | 53 | 21 | 68 | 72 | $4343 | 0.722% | 215 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Commerce Home Mortgage directly or with a mortgage broker. |
| 46 | [GUARANTEED RATE AFFINITY, LLC](https://saferate.com/lenders/guaranteed-rate-affinity) | 53 | 33 | 60 | 66 | $2743 | 0.330% | 175 | Independent Mortgage Company | Direct | — |
| 47 | [HOMEBRIDGE FINANCIAL SERVICES, INC.](https://saferate.com/lenders/homebridge-financial-services) | 53 | 35 | 55 | 68 | $2569 | 0.625% | 153 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 48 | [ZILLOW HOME LOANS, LLC](https://saferate.com/lenders/zillow-home-loans) | 53 | 31 | 63 | 65 | $3255 | 0.206% | 150 | Independent Mortgage Company | Direct | — |
| 49 | [ONY GLO, INC.](https://saferate.com/lenders/ony-glo) | 53 | 33 | 53 | 72 | $2601 | 0.151% | 136 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Ony Glo directly or with a mortgage broker. |
| 50 | [OriginPoint, LLC](https://saferate.com/lenders/originpoint) | 52 | 31 | 53 | 73 | $3039 | 0.300% | 215 | 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 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.