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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 FHA Mortgage Company Lenders in San Diego
Updated February 5, 2026
Market Overview
44
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,274 | -0.046% | 4,837 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,368 | -0.133% | 315 | |
3 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,235 | -0.088% | 526 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $2,930 | +0.169% | 54 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,490 | +0.123% | 2,283 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,329 | +0.080% | 408 | |
7 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,718 | +0.225% | 335 | |
8 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,740 | +0.185% | 165 | |
9 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $1,474 | +0.131% | 122 | |
10 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,782 | +0.155% | 341 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,217 | +0.286% | 328 | |
12 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,930 | +0.191% | 142 | |
13 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $2,985 | +0.143% | 77 | |
14 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Sound | $1,442 | -0.072% | 58 | |
15 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,743 | +0.065% | 382 | |
16 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,339 | +0.059% | 369 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,585 | +0.251% | 216 | |
18 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,554 | +0.203% | 202 | |
19 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,339 | +0.445% | 175 | |
20 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,789 | +0.457% | 168 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,270 | +0.263% | 160 | |
22 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,911 | +0.045% | 147 | |
23 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,843 | +0.164% | 128 | |
24 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,476 | +0.238% | 121 | |
25 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,385 | +0.248% | 118 | |
26 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,484 | +0.254% | 105 | |
27 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $1,221 | +0.063% | 81 | |
28 | Hometown Equity Mortgage, LLC | Strong | Sound | Strong | Sound | Strong | $3,111 | +0.515% | 81 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,745 | +0.363% | 1,029 | |
30 | POINT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,002 | -0.050% | 207 | |
31 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,336 | +0.157% | 161 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,673 | +0.425% | 155 | |
33 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,736 | +0.170% | 109 | |
34 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,029 | +0.235% | 81 | |
35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $5,904 | +0.426% | 78 | |
36 | NP, INC. | Strong | Acceptable | Strong | Strong | Strong | $4,862 | +0.861% | 67 | |
37 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,952 | +0.115% | 61 | |
38 | MORTGAGEONE, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,338 | +0.276% | 58 | |
39 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $3,766 | +0.514% | 137 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,836 | +0.152% | 116 | |
41 | AXIA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,157 | +0.101% | 67 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $1,873 | -0.063% | 50 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,685 | +0.448% | 186 | |
44 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Strong | Strong | $4,117 | +0.248% | 72 |
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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