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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 Jumbo Mortgage Company Lenders in San Diego
Updated February 5, 2026
Market Overview
36
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 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,743 | +0.065% | 382 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,274 | -0.046% | 4,837 | |
3 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,490 | +0.123% | 2,283 | |
4 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,235 | -0.088% | 526 | |
5 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,339 | +0.059% | 369 | |
6 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,270 | +0.263% | 160 | |
7 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,745 | +0.363% | 1,029 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,329 | +0.080% | 408 | |
9 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | Strong | $1,476 | +0.238% | 121 | |
10 | NMSI, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,334 | +0.157% | 119 | |
11 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,385 | +0.248% | 118 | |
12 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,718 | +0.225% | 335 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,217 | +0.286% | 328 | |
14 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,339 | +0.445% | 175 | |
15 | INTERCAP LENDING INC. | Strong | Sound | Strong | Sound | Strong | $2,930 | +0.191% | 142 | |
16 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,855 | +0.137% | 99 | |
17 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $1,221 | +0.063% | 81 | |
18 | NP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,862 | +0.861% | 67 | |
19 | OriginPoint, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,222 | +0.185% | 60 | |
20 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,782 | +0.155% | 341 | |
21 | POINT MORTGAGE CORPORATION | Strong | Sound | Sound | Sound | Strong | $2,002 | -0.050% | 207 | |
22 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,685 | +0.448% | 186 | |
23 | BAY EQUITY LLC | Strong | Acceptable | Strong | Sound | Strong | $3,554 | +0.203% | 202 | |
24 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Strong | $2,336 | +0.157% | 161 | |
25 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Strong | $4,736 | +0.170% | 109 | |
26 | Hometown Equity Mortgage, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,111 | +0.515% | 81 | |
27 | FRANKLIN LOAN CORPORATION | Strong | Mediocre | Strong | Exceptional | Strong | $3,256 | +0.477% | 64 | |
28 | OCMBC, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $3,789 | +0.457% | 168 | |
29 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | Strong | $4,673 | +0.425% | 155 | |
30 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Sound | Strong | $3,766 | +0.514% | 137 | |
31 | Citadel Servicing Corporation | Sound | Mediocre | Exceptional | Strong | Sound | $6,758 | +0.925% | 60 | |
32 | Logan Finance Corporation | Sound | Mediocre | Exceptional | Strong | Sound | $1,244 | +0.778% | 49 | |
33 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Sound | Strong | $4,117 | +0.248% | 72 | |
34 | NEXERA HOLDING LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,906 | +1.008% | 66 | |
35 | Commerce Home Mortgage, Inc. | Sound | Mediocre | Exceptional | Sound | Sound | $4,823 | +0.912% | 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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