🛡️
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 Company Lenders in Visalia
Updated February 5, 2026
Market Overview
35
Total Lenders
3,194
Total Loans
0.39%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,705 | +0.264% | 401 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,993 | +0.347% | 252 | |
3 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,374 | +0.329% | 58 | |
4 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,089 | +0.316% | 255 | |
5 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Strong | $3,003 | +0.267% | 49 | |
6 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $5,839 | +0.283% | 21 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $3,334 | +0.172% | 11 | |
8 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,274 | +0.491% | 75 | |
9 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $7,302 | +0.568% | 50 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,265 | +0.296% | 36 | |
11 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Strong | Strong | Sound | $5,438 | +0.447% | 28 | |
12 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Acceptable | $4,650 | +0.298% | 10 | |
13 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,600 | +0.265% | 415 | |
14 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,396 | +0.474% | 207 | |
15 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,474 | +0.327% | 66 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $3,349 | +0.395% | 44 | |
17 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,884 | +0.888% | 33 | |
18 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,706 | +0.318% | 29 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,577 | +0.505% | 27 | |
20 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $5,523 | +0.452% | 26 | |
21 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $7,079 | +0.608% | 23 | |
22 | COASTAL FUNDING SLC, INC. | Strong | Acceptable | Strong | Exceptional | Sound | $4,560 | +0.264% | 23 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,905 | +0.618% | 21 | |
24 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,388 | +0.590% | 13 | |
25 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,924 | +0.482% | 66 | |
26 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Strong | $4,736 | +0.617% | 52 | |
27 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Sound | $6,426 | +0.910% | 24 | |
28 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,450 | +0.426% | 17 | |
29 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $2,311 | +0.597% | 14 | |
30 | FBC MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,096 | +0.248% | 24 | |
31 | CLM MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | Sound | $2,910 | +0.271% | 23 | |
32 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,573 | +0.896% | 11 | |
33 | PACIFIC LENDING LLC | Sound | Mediocre | Sound | Strong | Strong | $6,242 | +0.581% | 77 | |
34 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Sound | $3,625 | +0.520% | 24 | |
35 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Sound | $3,744 | +1.272% | 11 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Visalia, CAConventional
No credit impact
3-minute process
100% free