Safe Rate Rankings

Best Jumbo Mortgage Lenders in Riverside

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 Lenders250

Total Loans45,263

Median Rate Spread0.37%

Riverside Market Insights

Us Bank National Association is Safe Rate's top-ranked Jumbo lender in Riverside, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Riverside, Navy Federal Credit Union 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 #3 in Riverside, 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 Riverside: Rocket Mortgage (#7) and United Wholesale Mortgage (#3).

Explore Rankings by Type

Overall Rankings

All lenders in Riverside

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By Institution Type

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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	Strong	$906Fees	0.048%Above	677
2	Bank of America, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,714Fees	0.068%Below	236
3	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Sound*	Exceptional	Strong	Exceptional	$3,170Fees	0.169%Above	7,468
4	SCHOOLSFIRST Credit UnionDirect	Exceptional	Exceptional	Strong	Strong	Exceptional	$478Fees	0.065%Above	554
5	Wells Fargo Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,760Fees	0.019%Above	353
6	Citibank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Sound	$907Fees	0.103%Below	95
7	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$4,050Fees	0.197%Above	3,925
8	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$753Fees	0.450%Below	337
9	First-Citizens Bank & Trust Company BankDirect	Strong	Strong	Exceptional	Strong	Strong	$2,831Credit	0.056%Below	136
10	BMO Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,039Fees	0.147%Above	94
11	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$2,471Fees	0.150%Above	562
12	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,734Fees	0.182%Above	910
13	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Exceptional	$3,142Fees	0.097%Above	1,774
14	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,000Fees	0.111%Above	585
15	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,651Fees	0.540%Above	701
16	NMSI, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$3,237Fees	0.307%Above	358
17	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$4,235Fees	0.377%Above	360
18	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$3,391Fees	0.260%Above	334
19	AMWEST FUNDING CORP. Independent Mortgage CompanyWholesale	Strong	—	Exceptional	Strong	Strong	—	—	280
20	FRANKLIN LOAN CORPORATION Independent Mortgage CompanyDirect	Strong	Mediocre	Strong	Exceptional	Exceptional	$3,498Fees	0.459%Above	595
21	AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$1,646Fees	0.486%Above	472
22	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$5,543Fees	0.288%Above	129
23	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,544Fees	0.362%Above	276
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,291Fees	0.443%Above	374
25	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,811Fees	0.261%Above	547
26	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$3,289Fees	0.497%Above	450
27	EMET LENDING GROUP, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Mediocre*	Exceptional	Strong	Strong	$5,671Fees	1.102%Above	286
28	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,134Fees	0.340%Above	102
29	OCMBC, INC. Independent Mortgage CompanyWholesale	Sound	Mediocre*	Exceptional	Sound	Exceptional	$3,713Fees	0.519%Above	1,452
30	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	Exceptional	$3,922Fees	0.468%Above	817
31	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	Strong	$2,872Fees	0.239%Above	376
32	NFM, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$4,075Fees	0.182%Below	182
33	Flagstar Bank, N.A. BankDirect & Wholesale	Sound	Mediocre*	Exceptional	Sound	Strong	$2,896Fees	0.337%Above	491
34	ROYAL PACIFIC FUNDING CORP. Independent Mortgage CompanyWholesale	Sound	Mediocre*	Strong	Sound	Exceptional	$4,529Fees	0.599%Above	339
35	Hometown Equity Mortgage, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$2,722Fees	0.464%Above	222
36	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Strong	$5,706Fees	0.620%Above	218
37	AAA CAPITAL INVESTMENT, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Mediocre*	Strong	Strong	Strong	$3,519Fees	0.399%Above	173
38	ONY GLO, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Sound	Strong	$3,504Fees	0.395%Above	125
39	NEW WAVE LENDING GROUP INC Independent Mortgage CompanyDirect & Wholesale	Sound	Mediocre*	Exceptional	Strong	Strong	$3,869Fees	0.679%Above	257
40	Commerce Home Mortgage, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Mediocre*	Exceptional	Sound	Strong	$4,377Fees	0.521%Above	123
41	AMERITRUST MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Mediocre*	Strong	Sound	Strong	$3,388Fees	0.587%Above	106
42	FlexPoint, Inc. Independent Mortgage CompanyWholesale	Sound	Mediocre*	Strong	Sound	Strong	$4,503Fees	0.643%Above	135
43	Citadel Servicing Corporation Independent Mortgage CompanyWholesale	Sound	Mediocre*	Exceptional	Strong	Strong	$3,505Fees	1.755%Above	95
44	JMAC LENDING, INC. Independent Mortgage CompanyWholesale	Sound	Mediocre*	Strong	Sound	Strong	$2,968Fees	0.382%Above	136
45	MK LENDING CORP. Independent Mortgage CompanyWholesale	Sound	Mediocre*	Strong	Sound	Strong	$4,541Fees	0.641%Above	136
46	HOMEBRIDGE FINANCIAL SERVICES, INC. Independent Mortgage CompanyWholesale	Sound	Mediocre*	Strong	Sound	Strong	$3,105Fees	0.393%Above	129

❓ Frequently Asked Questions

How are mortgage lenders ranked in Riverside?+

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 Riverside), 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 Riverside?+

Based on 2024 HMDA data, 250 lenders originated a combined 45,263 loans in Riverside. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

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

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Riverside is 0.37%. 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 Riverside'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.