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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 Company Lenders in Los Angeles

Updated February 5, 2026

Market Overview

Total Lenders

47,658

Total Loans

0.33%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,288	-0.075%	120
2	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,761	+0.190%	6,340
3	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,734	+0.222%	5,129
4	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,956	+0.086%	666
5	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$2,251	+0.422%	141
6	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,992	+0.445%	124
7	NMSI, INC.	Strong	Acceptable	Strong	Exceptional	Exceptional	$2,800	+0.270%	621
8	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,583	+0.124%	546
9	General Mortgage Capital Corporation	Strong	Sound	Strong	Strong	Strong	$2,091	+0.047%	165
10	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,410	+0.473%	614
11	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,720	+0.423%	556
12	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,947	+0.130%	518
13	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,465	+0.287%	466
14	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,463	+0.340%	426
15	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,281	+0.368%	408
16	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,035	+0.411%	338
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$4,234	+0.323%	318
18	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,252	+0.029%	301
19	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,651	+0.272%	288
20	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,394	+0.155%	256
21	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,024	+0.066%	223
22	Commerce Home Mortgage, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$4,343	+0.722%	215
23	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,619	+0.347%	197
24	FIRST COLONY MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,331	+0.201%	167
25	STG MORTGAGE INC	Strong	Sound	Strong	Sound	Strong	$2,233	+0.336%	145
26	RESICENTRAL, LLC	Strong	Sound	Strong	Sound	Strong	$1,725	+0.288%	112
27	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,942	+0.439%	670
28	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,546	+0.347%	355
29	AAA CAPITAL INVESTMENT, INC.	Strong	Acceptable	Strong	Sound	Exceptional	$2,464	+0.233%	348
30	NATIONS DIRECT MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Strong	$3,062	+0.398%	236
31	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,743	+0.330%	175
32	NEW WAVE LENDING GROUP INC	Strong	Mediocre	Strong	Strong	Exceptional	$3,720	+0.542%	777
33	EMET LENDING GROUP, INC.	Strong	Mediocre	Strong	Strong	Exceptional	$4,961	+0.967%	685
34	AUGUSTA FINANCIAL, INC.	Strong	Acceptable	Sound	Sound	Exceptional	$3,205	+0.238%	292
35	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$5,103	+0.517%	238
36	GOLDEN EMPIRE MORTGAGE, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$3,042	+0.406%	217
37	OriginPoint, LLC	Strong	Acceptable	Strong	Sound	Strong	$3,039	+0.300%	215
38	SUN WEST MORTGAGE COMPANY, INC.	Strong	Acceptable	Strong	Sound	Strong	$4,596	+0.265%	157
39	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Strong	Sound	Strong	$3,255	+0.206%	150
40	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$2,729	+0.350%	125
41	OCMBC, INC.	Sound	Mediocre	Strong	Sound	Exceptional	$3,722	+0.549%	1,671
42	BAY-VALLEY MORTGAGE GROUP	Sound	Acceptable	Sound	Sound	Strong	$4,508	+0.314%	278
43	JMJ FINANCIAL GROUP	Sound	Acceptable	Sound	Sound	Strong	$4,203	+0.383%	182
44	ONY GLO, INC.	Sound	Acceptable	Sound	Sound	Strong	$2,601	+0.151%	136
45	PFN Lending Group, Inc.	Sound	Acceptable	Sound	Sound	Strong	$3,087	+0.382%	130
46	JMAC LENDING, INC.	Sound	Acceptable	Strong	Acceptable	Strong	$3,037	+0.430%	121
47	MK LENDING CORP.	Sound	Acceptable	Sound	Acceptable	Strong	$4,255	+0.456%	228
48	FIRST STANDARD FINANCIAL CORP.	Sound	Mediocre	Sound	Strong	Strong	$4,174	+0.385%	216
49	FlexPoint, Inc.	Sound	Mediocre	Strong	Sound	Strong	$4,953	+0.621%	184

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)

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.

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