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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 San Diego
Updated February 5, 2026
Market Overview
176
Total Lenders
23,312
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GOOGAIN, INC. | Exceptional | Exceptional | Strong | Exceptional | Strong | -$981 | -0.086% | 57 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$683 | -0.220% | 870 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $461 | -0.592% | 376 | |
4 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | -$546 | -0.276% | 146 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,215 | -0.181% | 87 | |
6 | MISSION | Exceptional | Exceptional | Sound | Sound | Exceptional | -$757 | -0.846% | 396 | |
7 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $276 | -0.275% | 303 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $297 | -0.459% | 108 | |
9 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,002 | +0.048% | 700 | |
10 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $708 | -0.177% | 385 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,274 | -0.046% | 4,837 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,490 | +0.123% | 2,283 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,329 | +0.080% | 408 | |
14 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,554 | +0.203% | 202 | |
15 | Zions Bancorporation, N.A. | Strong | Strong | Strong | Sound | Strong | $1,177 | -0.203% | 107 | |
16 | BMO Bank National Association | Strong | Strong | Strong | Sound | Strong | $40 | -0.023% | 104 | |
17 | SCHOOLSFIRST | Strong | Strong | Strong | Strong | Sound | $142 | -0.082% | 57 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,745 | +0.363% | 1,029 | |
19 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,235 | -0.088% | 526 | |
20 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | Strong | $2,002 | -0.050% | 207 | |
21 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,029 | +0.235% | 81 | |
22 | Charles Schwab Bank, SSB | Strong | Sound | Strong | Strong | Strong | $605 | -0.233% | 77 | |
23 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $2,930 | +0.169% | 54 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,873 | -0.063% | 50 | |
25 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,743 | +0.065% | 382 | |
26 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,339 | +0.059% | 369 | |
27 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,718 | +0.225% | 335 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,217 | +0.286% | 328 | |
29 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,368 | -0.133% | 315 | |
30 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,080 | +0.221% | 272 | |
31 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,585 | +0.251% | 216 | |
32 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,740 | +0.185% | 165 | |
33 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,270 | +0.263% | 160 | |
34 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,911 | +0.045% | 147 | |
35 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,930 | +0.191% | 142 | |
36 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | $1,474 | +0.131% | 122 | |
37 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,476 | +0.238% | 121 | |
38 | NMSI, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $1,334 | +0.157% | 119 | |
39 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,836 | +0.152% | 116 | |
40 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,484 | +0.254% | 105 | |
41 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,855 | +0.137% | 99 | |
42 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $1,221 | +0.063% | 81 | |
43 | NexBank | Strong | Sound | Strong | Strong | Sound | $955 | +0.463% | 69 | |
44 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,782 | +0.155% | 341 | |
45 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,685 | +0.448% | 186 | |
46 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $3,339 | +0.445% | 175 | |
47 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,385 | +0.248% | 118 | |
48 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $5,904 | +0.426% | 78 | |
49 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,256 | +0.477% | 64 | |
50 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $4,297 | +0.334% | 59 |
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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