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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Exceptional | -$1,117 | -0.300% | 1,113 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$381 | -0.083% | 1,471 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $758 | -0.218% | 709 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $466 | -0.694% | 168 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,288 | -0.075% | 120 | |
6 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $679 | -0.229% | 878 | |
7 | SCHOOLSFIRST | Exceptional | Strong | Strong | Strong | Exceptional | $502 | -0.002% | 380 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $315 | -0.473% | 276 | |
9 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $453 | +0.028% | 211 | |
10 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,965 | +0.072% | 1,827 | |
11 | BMO Bank National Association | Exceptional | Strong | Strong | Sound | Exceptional | $718 | -0.034% | 562 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,761 | +0.190% | 6,340 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,734 | +0.222% | 5,129 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,956 | +0.086% | 666 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,251 | +0.422% | 141 | |
16 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,992 | +0.445% | 124 | |
17 | Zions Bancorporation, N.A. | Strong | Strong | Strong | Sound | Strong | $993 | -0.207% | 118 | |
18 | Barrington Bank & Trust Company, National Association | Strong | Sound | Exceptional | Strong | Strong | $3,177 | +0.295% | 117 | |
19 | NMSI, INC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,800 | +0.270% | 621 | |
20 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,583 | +0.124% | 546 | |
21 | City National Bank | Strong | Sound | Strong | Sound | Exceptional | $2,482 | -0.046% | 444 | |
22 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | Strong | $2,091 | +0.047% | 165 | |
23 | NexBank | Strong | Sound | Strong | Strong | Strong | $2,175 | +0.385% | 120 | |
24 | Charles Schwab Bank, SSB | Strong | Sound | Strong | Strong | Strong | $657 | -0.292% | 107 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,410 | +0.473% | 614 | |
26 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,720 | +0.423% | 556 | |
27 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,947 | +0.130% | 518 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,465 | +0.287% | 466 | |
29 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,723 | +0.235% | 435 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,463 | +0.340% | 426 | |
31 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,281 | +0.368% | 408 | |
32 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,035 | +0.411% | 338 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,234 | +0.323% | 318 | |
34 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,252 | +0.029% | 301 | |
35 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,651 | +0.272% | 288 | |
36 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,394 | +0.155% | 256 | |
37 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,024 | +0.066% | 223 | |
38 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,343 | +0.722% | 215 | |
39 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,619 | +0.347% | 197 | |
40 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Strong | $65 | -0.093% | 172 | |
41 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,331 | +0.201% | 167 | |
42 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $2,233 | +0.336% | 145 | |
43 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | $1,725 | +0.288% | 112 | |
44 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,942 | +0.439% | 670 | |
45 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,546 | +0.347% | 355 | |
46 | AAA CAPITAL INVESTMENT, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $2,464 | +0.233% | 348 | |
47 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,062 | +0.398% | 236 | |
48 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,743 | +0.330% | 175 | |
49 | OriginPoint, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,039 | +0.300% | 215 | |
50 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Sound | Strong | $4,596 | +0.265% | 157 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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