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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Los Angeles
Updated February 5, 2026
Market Overview
260
Total Lenders
47,658
Total Loans
0.33%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National Association | Exceptional | Exceptional | Sound | Exceptional | -$1,117 | -0.300% | 1,113 | |
2 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $315 | -0.473% | 276 | |
3 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | -$381 | -0.083% | 1,471 | |
4 | Bank of America, National Association | Exceptional | Strong | Strong | Exceptional | $758 | -0.218% | 709 | |
5 | SCHOOLSFIRST | Exceptional | Strong | Strong | Exceptional | $502 | -0.002% | 380 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $466 | -0.694% | 168 | |
7 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,288 | -0.075% | 120 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,761 | +0.190% | 6,340 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $679 | -0.229% | 878 | |
10 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $453 | +0.028% | 211 | |
11 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Strong | $65 | -0.093% | 172 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,965 | +0.072% | 1,827 | |
13 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $2,331 | +0.201% | 167 | |
14 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,251 | +0.422% | 141 | |
15 | Zions Bancorporation, N.A. | Strong | Strong | Sound | Strong | $993 | -0.207% | 118 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,734 | +0.222% | 5,129 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,956 | +0.086% | 666 | |
18 | NMSI, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,800 | +0.270% | 621 | |
19 | BMO Bank National Association | Strong | Sound | Sound | Exceptional | $718 | -0.034% | 562 | |
20 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,583 | +0.124% | 546 | |
21 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,947 | +0.130% | 518 | |
22 | City National Bank | Strong | Sound | Sound | Exceptional | $2,482 | -0.046% | 444 | |
23 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,252 | +0.029% | 301 | |
24 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | $2,091 | +0.047% | 165 | |
25 | NexBank | Strong | Sound | Strong | Strong | $2,175 | +0.385% | 120 | |
26 | OCMBC, INC. | Strong | Acceptable | Strong | Exceptional | $3,722 | +0.549% | 1,671 | |
27 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,465 | +0.287% | 466 | |
28 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,463 | +0.340% | 426 | |
29 | AAA CAPITAL INVESTMENT, INC. | Strong | Acceptable | Strong | Exceptional | $2,464 | +0.233% | 348 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,234 | +0.323% | 318 | |
31 | AUGUSTA FINANCIAL, INC. | Strong | Acceptable | Strong | Exceptional | $3,205 | +0.238% | 292 | |
32 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,619 | +0.347% | 197 | |
33 | STG MORTGAGE INC | Strong | Sound | Sound | Strong | $2,233 | +0.336% | 145 | |
34 | LOGIX FEDERAL CREDIT UNION | Strong | Sound | Sound | Strong | $984 | +0.239% | 127 | |
35 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $1,725 | +0.288% | 112 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,410 | +0.473% | 614 | |
37 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,720 | +0.423% | 556 | |
38 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,723 | +0.235% | 435 | |
39 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,281 | +0.368% | 408 | |
40 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,035 | +0.411% | 338 | |
41 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,651 | +0.272% | 288 | |
42 | BAY-VALLEY MORTGAGE GROUP | Strong | Acceptable | Strong | Strong | $4,508 | +0.314% | 278 | |
43 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $3,394 | +0.155% | 256 | |
44 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,062 | +0.398% | 236 | |
45 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,024 | +0.066% | 223 | |
46 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Strong | Strong | $4,343 | +0.722% | 215 | |
47 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,743 | +0.330% | 175 | |
48 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Strong | $4,596 | +0.265% | 157 | |
49 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,255 | +0.206% | 150 | |
50 | CAMPOS FINANCIAL CORP. | Strong | Acceptable | Strong | Strong | $4,288 | +0.427% | 138 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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