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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 Company Lenders in Riverside
Updated February 5, 2026
Market Overview
50
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 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $4,298 | +0.280% | 117 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,170 | +0.169% | 7,468 | |
3 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,169 | +0.166% | 117 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,000 | +0.111% | 585 | |
5 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,471 | +0.150% | 562 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,572 | -0.043% | 539 | |
7 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,646 | +0.486% | 472 | |
8 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,052 | +0.372% | 264 | |
9 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,417 | +0.479% | 142 | |
10 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,142 | +0.097% | 1,774 | |
11 | Paramount Residential Mortgage Group, Inc. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,922 | +0.468% | 817 | |
12 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,235 | +0.377% | 360 | |
13 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,391 | +0.260% | 334 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $5,543 | +0.288% | 129 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,946 | +0.369% | 114 | |
16 | RESICENTRAL, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,622 | +0.172% | 96 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,050 | +0.197% | 3,925 | |
18 | OCMBC, INC. | Strong | Sound | Strong | Strong | Exceptional | $3,713 | +0.519% | 1,452 | |
19 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,811 | +0.261% | 547 | |
20 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,872 | +0.239% | 376 | |
21 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Strong | $4,340 | +0.146% | 330 | |
22 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,860 | +0.227% | 128 | |
23 | STG MORTGAGE INC | Strong | Strong | Strong | Sound | Strong | $3,000 | +0.382% | 111 | |
24 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,498 | +0.459% | 595 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,291 | +0.443% | 374 | |
26 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,075 | -0.182% | 182 | |
27 | JMAC LENDING, INC. | Strong | Sound | Strong | Strong | Strong | $2,968 | +0.382% | 136 | |
28 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $3,105 | +0.393% | 129 | |
29 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $3,899 | +0.371% | 117 | |
30 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,491 | +0.432% | 92 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,651 | +0.540% | 701 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,162 | +0.204% | 356 | |
33 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $4,777 | +0.589% | 329 | |
34 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,544 | +0.362% | 276 | |
35 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,762 | +0.310% | 264 | |
36 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,987 | +0.256% | 219 | |
37 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $5,874 | -0.190% | 152 | |
38 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,429 | +0.357% | 148 | |
39 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,376 | +0.475% | 129 | |
40 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,138 | +0.126% | 118 | |
41 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,612 | +0.542% | 260 | |
42 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,151 | +0.256% | 220 | |
43 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,045 | +0.419% | 126 | |
44 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,706 | +0.620% | 218 | |
45 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,289 | +0.497% | 450 | |
46 | ML Mortgage Corp. | Sound | Mediocre | Strong | Sound | Exceptional | $4,544 | +0.610% | 333 | |
47 | FIRST NATIONS HOME FINANCE CORPORATION | Sound | Acceptable | Sound | Sound | Strong | $2,953 | +0.258% | 127 | |
48 | AXIA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Strong | $3,602 | +0.310% | 93 | |
49 | Hometown Equity Mortgage, LLC | Sound | Mediocre | Strong | Sound | Strong | $2,722 | +0.464% | 222 | |
50 | AHL FUNDING | Sound | Mediocre | Sound | Strong | Strong | $5,223 | +0.607% | 219 |
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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