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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 VA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,274 | -0.046% | 4,837 | |
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 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,002 | +0.048% | 700 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,235 | -0.088% | 526 | |
6 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,743 | +0.065% | 382 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,368 | -0.133% | 315 | |
8 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,740 | +0.185% | 165 | |
9 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,476 | +0.238% | 121 | |
10 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,385 | +0.248% | 118 | |
11 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,855 | +0.137% | 99 | |
12 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Sound | $1,442 | -0.072% | 58 | |
13 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,339 | +0.059% | 369 | |
14 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,270 | +0.263% | 160 | |
15 | INTERCAP LENDING INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,930 | +0.191% | 142 | |
16 | RESICENTRAL, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,474 | +0.131% | 122 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,490 | +0.123% | 2,283 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,329 | +0.080% | 408 | |
19 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $1,782 | +0.155% | 341 | |
20 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,718 | +0.225% | 335 | |
21 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,080 | +0.221% | 272 | |
22 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $2,002 | -0.050% | 207 | |
23 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,484 | +0.254% | 105 | |
24 | STG MORTGAGE INC | Strong | Strong | Strong | Sound | Strong | $1,221 | +0.063% | 81 | |
25 | OriginPoint, LLC | Strong | Strong | Strong | Strong | Sound | $2,222 | +0.185% | 60 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $4,297 | +0.334% | 59 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | Sound | $2,930 | +0.169% | 54 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,745 | +0.363% | 1,029 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,217 | +0.286% | 328 | |
30 | OCMBC, INC. | Strong | Sound | Strong | Strong | Strong | $3,789 | +0.457% | 168 | |
31 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $2,336 | +0.157% | 161 | |
32 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,029 | +0.235% | 81 | |
33 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $2,985 | +0.143% | 77 | |
34 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,952 | +0.115% | 61 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,873 | -0.063% | 50 | |
36 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,585 | +0.251% | 216 | |
37 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,554 | +0.203% | 202 | |
38 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,477 | +0.593% | 185 | |
39 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,911 | +0.045% | 147 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,836 | +0.152% | 116 | |
41 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $4,736 | +0.170% | 109 | |
42 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Strong | Exceptional | Strong | $3,256 | +0.477% | 64 | |
43 | MORTGAGEONE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,338 | +0.276% | 58 | |
44 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $3,339 | +0.445% | 175 | |
45 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,843 | +0.164% | 128 | |
46 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $5,904 | +0.426% | 78 | |
47 | NP, INC. | Strong | Acceptable | Strong | Strong | Strong | $4,862 | +0.861% | 67 | |
48 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,673 | +0.425% | 155 | |
49 | JMJ FINANCIAL GROUP | Strong | Acceptable | Strong | Sound | Strong | $4,220 | +0.230% | 64 | |
50 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | Strong | $3,766 | +0.514% | 137 |
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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