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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 VA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,761 | +0.190% | 6,340 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$381 | -0.083% | 1,471 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $466 | -0.694% | 168 | |
4 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,331 | +0.201% | 167 | |
5 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,965 | +0.072% | 1,827 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,583 | +0.124% | 546 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,947 | +0.130% | 518 | |
8 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,035 | +0.411% | 338 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,252 | +0.029% | 301 | |
10 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,651 | +0.272% | 288 | |
11 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,465 | +0.287% | 466 | |
12 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,463 | +0.340% | 426 | |
13 | OriginPoint, LLC | Exceptional | Strong | Strong | Strong | Strong | $3,039 | +0.300% | 215 | |
14 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,251 | +0.422% | 141 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,734 | +0.222% | 5,129 | |
16 | OCMBC, INC. | Strong | Sound | Strong | Strong | Exceptional | $3,722 | +0.549% | 1,671 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,956 | +0.086% | 666 | |
18 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,720 | +0.423% | 556 | |
19 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,723 | +0.235% | 435 | |
20 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,281 | +0.368% | 408 | |
21 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,546 | +0.347% | 355 | |
22 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Strong | $4,596 | +0.265% | 157 | |
23 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,992 | +0.445% | 124 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,234 | +0.323% | 318 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,410 | +0.473% | 614 | |
26 | AUGUSTA FINANCIAL, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,205 | +0.238% | 292 | |
27 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,062 | +0.398% | 236 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,024 | +0.066% | 223 | |
29 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $3,042 | +0.406% | 217 | |
30 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,619 | +0.347% | 197 | |
31 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,729 | +0.350% | 125 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,103 | +0.517% | 238 | |
33 | JMJ FINANCIAL GROUP | Strong | Acceptable | Strong | Sound | Strong | $4,203 | +0.383% | 182 | |
34 | Barrington Bank & Trust Company, National Association | Strong | Mediocre | Exceptional | Strong | Strong | $3,177 | +0.295% | 117 | |
35 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,942 | +0.439% | 670 | |
36 | 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)
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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