Safe Rate Rankings

Best Jumbo Mortgage Lenders in San Diego

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders176

Total Loans23,312

Median Rate Spread0.24%

San Diego Market Insights

Us Bank National Association is Safe Rate's top-ranked Jumbo lender in San Diego, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In San Diego, Mission and Morgan Stanley Private Bank National Association scores highest on Jumbo pricing while Bank of America National Association and Us Bank National Association leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #4 in San Diego, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in San Diego: Rocket Mortgage (#9) and United Wholesale Mortgage (#4).

Explore Rankings by Type

Overall Rankings

All lenders in San Diego

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By Institution Type

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$683Credit	0.220%Below	870
2	Bank of America, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$276Fees	0.275%Below	303
3	MISSION Credit UnionDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$757Credit	0.846%Below	396
4	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Sound*	Exceptional	Strong	Exceptional	$2,274Fees	0.046%Below	4,837
5	Citibank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$546Credit	0.276%Below	146
6	Morgan Stanley Private Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$297Fees	0.459%Below	108
7	Wells Fargo Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$708Fees	0.177%Below	385
8	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$461Fees	0.592%Below	376
9	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,490Fees	0.123%Above	2,283
10	BMO Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$40Fees	0.023%Below	104
11	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$1,743Fees	0.065%Above	382
12	Charles Schwab Bank, SSB BankWholesale	Strong	Sound*	Exceptional	Exceptional	Strong	$605Fees	0.233%Below	77
13	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,745Fees	0.363%Above	1,029
14	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,002Fees	0.048%Above	700
15	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,235Fees	0.088%Below	526
16	Zions Bancorporation, N.A. BankDirect	Strong	Strong	Exceptional	Sound	Strong	$1,177Fees	0.203%Below	107
17	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$3,329Fees	0.080%Above	408
18	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$2,339Fees	0.059%Above	369
19	NMSI, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$1,334Fees	0.157%Above	119
20	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$2,270Fees	0.263%Above	160
21	CALIFORNIA CREDIT UNION Credit UnionDirect	Strong	—	Strong	Sound	Strong	—	—	188
22	AMWEST FUNDING CORP. Independent Mortgage CompanyWholesale	Strong	—	Exceptional	Strong	Strong	—	—	137
23	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Sound	Strong	$2,385Fees	0.248%Above	118
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,217Fees	0.286%Above	328
25	OriginPoint, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Sound	Sound	$2,222Fees	0.185%Above	60
26	INTERCAP LENDING INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Sound	Strong	$2,930Fees	0.191%Above	142
27	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$1,718Fees	0.225%Above	335
28	AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$1,476Fees	0.238%Above	121
29	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,855Fees	0.137%Above	99
30	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$1,782Fees	0.155%Above	341
31	Synergy One Lending, Inc. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,339Fees	0.445%Above	175
32	NexBank BankWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$955Fees	0.463%Above	69
33	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Strong	$3,685Fees	0.448%Above	186
34	FRANKLIN LOAN CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Exceptional	Strong	$3,256Fees	0.477%Above	64
35	STG MORTGAGE INC Independent Mortgage CompanyWholesale	Sound	Sound*	Strong	Sound	Strong	$1,221Fees	0.063%Above	81
36	Logan Finance Corporation Independent Mortgage CompanyWholesale	Sound	Mediocre*	Exceptional	Strong	Sound	$1,244Fees	0.778%Above	49
37	RESIDENTIAL WHOLESALE MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$2,336Fees	0.157%Above	161
38	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Strong	$4,673Fees	0.425%Above	155
39	GOLDEN EMPIRE MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$4,736Fees	0.170%Above	109
40	Flagstar Bank, N.A. BankDirect & Wholesale	Sound	Mediocre*	Exceptional	Sound	Strong	$3,080Fees	0.221%Above	272
41	POINT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Sound	Sound	Sound	Strong	$2,002Fees	0.050%Below	207
42	BAY EQUITY LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$3,554Fees	0.203%Above	202
43	NP, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$4,862Fees	0.861%Above	67
44	Luminate Home Loans, Inc. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Strong	$3,766Fees	0.514%Above	137
45	OCMBC, INC. Independent Mortgage CompanyWholesale	Sound	Mediocre*	Exceptional	Sound	Strong	$3,789Fees	0.457%Above	168
46	Hometown Equity Mortgage, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$3,111Fees	0.515%Above	81
47	Commerce Home Mortgage, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Mediocre*	Exceptional	Sound	Sound	$4,823Fees	0.912%Above	59
48	NEXERA HOLDING LLC Independent Mortgage CompanyWholesale	Sound	Mediocre*	Exceptional	Sound	Sound	$3,906Fees	1.008%Above	66
49	Citadel Servicing Corporation Independent Mortgage CompanyWholesale	Sound	Mediocre*	Exceptional	Strong	Sound	$6,758Fees	0.925%Above	60
50	Cornerstone First Mortgage, Inc Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	Strong	$4,117Fees	0.248%Above	72

❓ Frequently Asked Questions

How are mortgage lenders ranked in San Diego?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in San Diego), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in San Diego?+

Based on 2024 HMDA data, 176 lenders originated a combined 23,312 loans in San Diego. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in San Diego?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in San Diego is 0.24%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In San Diego's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.