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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 Company Lenders in Riverside
Updated February 5, 2026
Market Overview
50
Total Lenders
39,725
Total Loans
0.46%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $4,298 | +0.280% | 117 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,476 | -0.117% | 109 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,170 | +0.169% | 7,468 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $3,142 | +0.097% | 1,774 | |
5 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $3,169 | +0.166% | 117 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,946 | +0.369% | 114 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,050 | +0.197% | 3,925 | |
8 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,498 | +0.459% | 595 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,000 | +0.111% | 585 | |
10 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,471 | +0.150% | 562 | |
11 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,572 | -0.043% | 539 | |
12 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $1,417 | +0.479% | 142 | |
13 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,138 | +0.126% | 118 | |
14 | OCMBC, INC. | Strong | Acceptable | Strong | Exceptional | $3,713 | +0.519% | 1,452 | |
15 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Exceptional | $3,922 | +0.468% | 817 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,291 | +0.443% | 374 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,235 | +0.377% | 360 | |
18 | NMSI, INC. | Strong | Acceptable | Exceptional | Strong | $3,237 | +0.307% | 358 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,391 | +0.260% | 334 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,544 | +0.362% | 276 | |
21 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,075 | -0.182% | 182 | |
22 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $5,874 | -0.190% | 152 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $5,543 | +0.288% | 129 | |
24 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $3,860 | +0.227% | 128 | |
25 | STG MORTGAGE INC | Strong | Sound | Sound | Strong | $3,000 | +0.382% | 111 | |
26 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $1,622 | +0.172% | 96 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,651 | +0.540% | 701 | |
28 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,811 | +0.261% | 547 | |
29 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $1,646 | +0.486% | 472 | |
30 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,162 | +0.204% | 356 | |
31 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Strong | $4,340 | +0.146% | 330 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,762 | +0.310% | 264 | |
33 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $3,052 | +0.372% | 264 | |
34 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,612 | +0.542% | 260 | |
35 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,151 | +0.256% | 220 | |
36 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $3,987 | +0.256% | 219 | |
37 | BAY-VALLEY MORTGAGE GROUP | Strong | Acceptable | Strong | Strong | $5,184 | +0.443% | 193 | |
38 | AAA CAPITAL INVESTMENT, INC. | Strong | Acceptable | Strong | Strong | $3,519 | +0.399% | 173 | |
39 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,429 | +0.357% | 148 | |
40 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Strong | Strong | $4,376 | +0.475% | 129 | |
41 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Strong | Strong | $4,377 | +0.521% | 123 | |
42 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,899 | +0.371% | 117 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,289 | +0.497% | 450 | |
44 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,872 | +0.239% | 376 | |
45 | Hometown Equity Mortgage, LLC | Sound | Acceptable | Sound | Strong | $2,722 | +0.464% | 222 | |
46 | JMAC LENDING, INC. | Sound | Acceptable | Sound | Strong | $2,968 | +0.382% | 136 | |
47 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Acceptable | Sound | Strong | $3,105 | +0.393% | 129 | |
48 | FIRST NATIONS HOME FINANCE CORPORATION | Sound | Acceptable | Sound | Strong | $2,953 | +0.258% | 127 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,045 | +0.419% | 126 | |
50 | ONY GLO, INC. | Sound | Acceptable | Sound | Strong | $3,504 | +0.395% | 125 |
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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