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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 Riverside
Updated February 5, 2026
Market Overview
250
Total Lenders
45,263
Total Loans
0.37%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | SCHOOLSFIRST | Exceptional | Strong | Strong | Exceptional | $478 | +0.065% | 554 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $753 | -0.450% | 337 | |
3 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $4,298 | +0.280% | 117 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,476 | -0.117% | 109 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,170 | +0.169% | 7,468 | |
6 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $906 | +0.048% | 677 | |
7 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,714 | -0.068% | 236 | |
8 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Strong | -$2,831 | -0.056% | 136 | |
9 | Citibank, National Association | Strong | Exceptional | Sound | Sound | $907 | -0.103% | 95 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $3,142 | +0.097% | 1,774 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,734 | +0.182% | 910 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,760 | +0.019% | 353 | |
13 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $3,169 | +0.166% | 117 | |
14 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,946 | +0.369% | 114 | |
15 | ALTURA | Strong | Strong | Sound | Strong | $1,568 | -0.011% | 98 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,050 | +0.197% | 3,925 | |
17 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,498 | +0.459% | 595 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,000 | +0.111% | 585 | |
19 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,471 | +0.150% | 562 | |
20 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,572 | -0.043% | 539 | |
21 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $1,417 | +0.479% | 142 | |
22 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,138 | +0.126% | 118 | |
23 | OCMBC, INC. | Strong | Acceptable | Strong | Exceptional | $3,713 | +0.519% | 1,452 | |
24 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Exceptional | $3,922 | +0.468% | 817 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,291 | +0.443% | 374 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,235 | +0.377% | 360 | |
27 | NMSI, INC. | Strong | Acceptable | Exceptional | Strong | $3,237 | +0.307% | 358 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,391 | +0.260% | 334 | |
29 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,544 | +0.362% | 276 | |
30 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,075 | -0.182% | 182 | |
31 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $5,874 | -0.190% | 152 | |
32 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $5,543 | +0.288% | 129 | |
33 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $3,860 | +0.227% | 128 | |
34 | City National Bank | Strong | Sound | Sound | Strong | $3,597 | +0.235% | 126 | |
35 | STG MORTGAGE INC | Strong | Sound | Sound | Strong | $3,000 | +0.382% | 111 | |
36 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $1,622 | +0.172% | 96 | |
37 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,651 | +0.540% | 701 | |
38 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,811 | +0.261% | 547 | |
39 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,896 | +0.337% | 491 | |
40 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $1,646 | +0.486% | 472 | |
41 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,162 | +0.204% | 356 | |
42 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Strong | $4,340 | +0.146% | 330 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,762 | +0.310% | 264 | |
44 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $3,052 | +0.372% | 264 | |
45 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,612 | +0.542% | 260 | |
46 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,151 | +0.256% | 220 | |
47 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $3,987 | +0.256% | 219 | |
48 | BAY-VALLEY MORTGAGE GROUP | Strong | Acceptable | Strong | Strong | $5,184 | +0.443% | 193 | |
49 | AAA CAPITAL INVESTMENT, INC. | Strong | Acceptable | Strong | Strong | $3,519 | +0.399% | 173 | |
50 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,429 | +0.357% | 148 |
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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