# Best Mortgage Lenders in Riverside

**As of:** 2026-05-22

Compare the top mortgage lenders in Riverside. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/riverside/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 250
- **Total Loans:** 45,263
- **Median Rate Spread:** 0.3712731092436975%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | SCHOOLSFIRST | 86 | 79 | 72 | 554 | Credit Union |
| 2 | FBC MORTGAGE, LLC | 86 | 60 | 83 | 117 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 7,468 | Independent Mortgage Company |
| 4 | U.S. Bank National Association | 80 | 75 | 71 | 677 | Bank |
| 5 | Bank of America, National Association | 80 | 73 | 75 | 236 | Bank |
| 6 | First-Citizens Bank & Trust Company | 80 | 60 | 62 | 136 | Bank |
| 7 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 1,774 | Independent Mortgage Company |
| 8 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 910 | Bank |
| 9 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 337 | Credit Union |
| 10 | FIRST COLONY MORTGAGE CORPORATION | 78 | 42 | 84 | 117 | Independent Mortgage Company |
| 11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 114 | Independent Mortgage Company |
| 12 | PROVIDENT FUNDING ASSOCIATES, L.P. | 78 | 83 | 55 | 109 | Independent Mortgage Company |
| 13 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 3,925 | Independent Mortgage Company |
| 14 | FRANKLIN LOAN CORPORATION | 74 | 26 | 80 | 595 | Independent Mortgage Company |
| 15 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 585 | Independent Mortgage Company |
| 16 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 562 | Independent Mortgage Company |
| 17 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 539 | Independent Mortgage Company |
| 18 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 353 | Bank |
| 19 | INSPIRE HOME LOANS INC. | 73 | 43 | 75 | 142 | Independent Mortgage Company |
| 20 | BAY EQUITY LLC | 73 | 43 | 65 | 118 | Independent Mortgage Company |
| 21 | ALTURA | 73 | 63 | 53 | 98 | Credit Union |
| 22 | Citibank, National Association | 71 | 87 | 58 | 95 | Bank |
| 23 | OCMBC, INC. | 68 | 21 | 64 | 1,452 | Independent Mortgage Company |
| 24 | Paramount Residential Mortgage Group, Inc. | 68 | 27 | 72 | 817 | Independent Mortgage Company |
| 25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 374 | Independent Mortgage Company |
| 26 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 360 | Independent Mortgage Company |
| 27 | NMSI, INC. | 68 | 33 | 92 | 358 | Independent Mortgage Company |
| 28 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 334 | Independent Mortgage Company |
| 29 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 276 | Independent Mortgage Company |
| 30 | NFM, INC. | 68 | 23 | 87 | 182 | Independent Mortgage Company |
| 31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 68 | 26 | 83 | 129 | Independent Mortgage Company |
| 32 | PLANET HOME LENDING, LLC | 68 | 40 | 83 | 128 | Independent Mortgage Company |
| 33 | GoodLeap, LLC | 66 | 52 | 56 | 152 | Independent Mortgage Company |
| 34 | City National Bank | 66 | 48 | 54 | 126 | Bank |
| 35 | STG MORTGAGE INC | 66 | 48 | 46 | 111 | Independent Mortgage Company |
| 36 | RESICENTRAL, LLC | 66 | 57 | 53 | 96 | Independent Mortgage Company |
| 37 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 701 | Independent Mortgage Company |
| 38 | THE LOAN STORE, INC. | 63 | 40 | 77 | 547 | Independent Mortgage Company |
| 39 | Flagstar Bank, N.A. | 63 | 40 | 76 | 491 | Bank |
| 40 | AMERICAN FINANCIAL NETWORK, INC. | 63 | 28 | 71 | 472 | Independent Mortgage Company |
| 41 | Mortgage Research Center, LLC | 63 | 34 | 70 | 356 | Independent Mortgage Company |
| 42 | SUN WEST MORTGAGE COMPANY, INC. | 63 | 33 | 62 | 330 | Independent Mortgage Company |
| 43 | KIND LENDING, LLC | 63 | 39 | 73 | 264 | Independent Mortgage Company |
| 44 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 264 | Independent Mortgage Company |
| 45 | Equity Prime Mortgage LLC | 63 | 20 | 66 | 260 | Independent Mortgage Company |
| 46 | ZILLOW HOME LOANS, LLC | 63 | 31 | 63 | 220 | Independent Mortgage Company |
| 47 | Sierra Pacific Mortgage Company, Inc. | 63 | 32 | 80 | 219 | Independent Mortgage Company |
| 48 | BAY-VALLEY MORTGAGE GROUP | 63 | 25 | 62 | 193 | Independent Mortgage Company |
| 49 | AAA CAPITAL INVESTMENT, INC. | 63 | 29 | 65 | 173 | Independent Mortgage Company |
| 50 | NATIONS DIRECT MORTGAGE, LLC | 63 | 38 | 74 | 148 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Riverside.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.