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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 San Diego

Updated February 5, 2026

Market Overview

Total Lenders

23,312

Total Loans

0.24%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	GOOGAIN, INC.	Exceptional	Exceptional	Strong	Exceptional	Strong	-$981	-0.086%	57
2	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,215	-0.181%	87
3	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,274	-0.046%	4,837
4	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,490	+0.123%	2,283
5	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,329	+0.080%	408
6	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Strong	$3,554	+0.203%	202
7	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,745	+0.363%	1,029
8	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,235	-0.088%	526
9	POINT MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	Strong	$2,002	-0.050%	207
10	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$2,029	+0.235%	81
11	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$2,930	+0.169%	54
12	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$1,873	-0.063%	50
13	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,743	+0.065%	382
14	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,339	+0.059%	369
15	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,718	+0.225%	335
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,217	+0.286%	328
17	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,368	-0.133%	315
18	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,585	+0.251%	216
19	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,740	+0.185%	165
20	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,270	+0.263%	160
21	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,911	+0.045%	147
22	INTERCAP LENDING INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,930	+0.191%	142
23	RESICENTRAL, LLC	Strong	Sound	Strong	Sound	Strong	$1,474	+0.131%	122
24	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,476	+0.238%	121
25	NMSI, INC.	Strong	Acceptable	Strong	Exceptional	Strong	$1,334	+0.157%	119
26	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,836	+0.152%	116
27	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,484	+0.254%	105
28	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,855	+0.137%	99
29	STG MORTGAGE INC	Strong	Sound	Strong	Sound	Strong	$1,221	+0.063%	81
30	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$1,782	+0.155%	341
31	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,685	+0.448%	186
32	Synergy One Lending, Inc.	Strong	Acceptable	Strong	Strong	Strong	$3,339	+0.445%	175
33	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,385	+0.248%	118
34	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$5,904	+0.426%	78
35	FRANKLIN LOAN CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$3,256	+0.477%	64
36	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$4,297	+0.334%	59
37	Commerce Home Mortgage, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$4,823	+0.912%	59
38	FIRST COLONY MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$1,442	-0.072%	58
39	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$3,477	+0.593%	185
40	RESIDENTIAL WHOLESALE MORTGAGE, INC.	Strong	Acceptable	Strong	Sound	Strong	$2,336	+0.157%	161
41	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$4,673	+0.425%	155
42	Luminate Home Loans, Inc.	Strong	Mediocre	Exceptional	Strong	Strong	$3,766	+0.514%	137
43	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Strong	Sound	Strong	$2,843	+0.164%	128
44	GOLDEN EMPIRE MORTGAGE, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$4,736	+0.170%	109
45	AXIA FINANCIAL, LLC	Sound	Mediocre	Strong	Strong	Strong	$2,157	+0.101%	67
46	JMJ FINANCIAL GROUP	Sound	Acceptable	Sound	Sound	Strong	$4,220	+0.230%	64
47	SUN WEST MORTGAGE COMPANY, INC.	Sound	Acceptable	Strong	Sound	Sound	$3,952	+0.115%	61
48	OriginPoint, LLC	Sound	Acceptable	Strong	Sound	Sound	$2,222	+0.185%	60
49	MORTGAGEONE, INC.	Sound	Mediocre	Strong	Strong	Strong	$3,338	+0.276%	58
50	OCMBC, INC.	Sound	Mediocre	Strong	Sound	Strong	$3,789	+0.457%	168

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)

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.

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