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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 Riverside
Updated February 5, 2026
Market Overview
250
Total Lenders
45,263
Total Loans
0.37%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $753 | -0.450% | 337 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,476 | -0.117% | 109 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $906 | +0.048% | 677 | |
4 | SCHOOLSFIRST | Exceptional | Strong | Strong | Strong | Exceptional | $478 | +0.065% | 554 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,714 | -0.068% | 236 | |
6 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Sound | $907 | -0.103% | 95 | |
7 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,142 | +0.097% | 1,774 | |
8 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,734 | +0.182% | 910 | |
9 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,760 | +0.019% | 353 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,170 | +0.169% | 7,468 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,050 | +0.197% | 3,925 | |
12 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,138 | +0.126% | 118 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,946 | +0.369% | 114 | |
14 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,922 | +0.468% | 817 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,000 | +0.111% | 585 | |
16 | BMO Bank National Association | Strong | Strong | Strong | Sound | Sound | $1,039 | +0.147% | 94 | |
17 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,491 | +0.432% | 92 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,651 | +0.540% | 701 | |
19 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,498 | +0.459% | 595 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,471 | +0.150% | 562 | |
21 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,811 | +0.261% | 547 | |
22 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,572 | -0.043% | 539 | |
23 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,896 | +0.337% | 491 | |
24 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,646 | +0.486% | 472 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,291 | +0.443% | 374 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,235 | +0.377% | 360 | |
27 | NMSI, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $3,237 | +0.307% | 358 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,391 | +0.260% | 334 | |
29 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,544 | +0.362% | 276 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,762 | +0.310% | 264 | |
31 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,052 | +0.372% | 264 | |
32 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,987 | +0.256% | 219 | |
33 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $5,874 | -0.190% | 152 | |
34 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Strong | -$2,831 | -0.056% | 136 | |
35 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $5,543 | +0.288% | 129 | |
36 | City National Bank | Strong | Sound | Strong | Sound | Strong | $3,597 | +0.235% | 126 | |
37 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,377 | +0.521% | 123 | |
38 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,169 | +0.166% | 117 | |
39 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $3,000 | +0.382% | 111 | |
40 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | $1,622 | +0.172% | 96 | |
41 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,289 | +0.497% | 450 | |
42 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,872 | +0.239% | 376 | |
43 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,429 | +0.357% | 148 | |
44 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $1,417 | +0.479% | 142 | |
45 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,860 | +0.227% | 128 | |
46 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,134 | +0.340% | 102 | |
47 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,162 | +0.204% | 356 | |
48 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Sound | Strong | $4,340 | +0.146% | 330 | |
49 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,151 | +0.256% | 220 | |
50 | AAA CAPITAL INVESTMENT, INC. | Strong | Acceptable | Strong | Sound | Strong | $3,519 | +0.399% | 173 |
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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