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Find the Best Mortgage Lenders in San Diego, CA

With the city’s large military presence, a growing biotech sector and a robust hospitality industry, San Diego housing is in constant demand. A mortgage company can help figure out what type of loan fits your needs, consider financing options and walk you through the paperwork. We researched the best mortgage companies in San Diego to assist you in realizing your homeownership dream.

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Compare Top Mortgage Lenders

Quicken Loans
Overall satisfaction rating
  • Jumbo, FHA, VA, fixed, adjustable and custom-term loans
  • Offers cash-out refinance loans
  • Mortgage rate locks
  • Available in San Diego and nationwide
Learn More (800) 940-2133 Read More
Rocket Mortgage
Overall satisfaction rating
  • Conventional, FHA, VA, jumbo and fixed-rate mortgages
  • Refinancing loans
  • Apply online
  • Available in San Diego and nationwide
Learn More (800) 762-5471 Read More
Overall satisfaction rating
  • Online qualification
  • Jumbo loans
  • Low downpayment options
  • FHA lenders
Learn More (866) 815-0655 Read More
Overall satisfaction rating
  • Mortgage calculator
  • VA lender
  • Application online
  • Quotes available

Offers home loans, mortgage refinancing and home equity loans with competitive rates and flexible plans. Online application. Prioritizes one-on-one customer support. Diverse mortgage products. Lenient down payment requirements.

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Home Plus Mortgage
  • Conforming lender
  • FHA loans
  • Adjustable rates
  • Fixed mortgages
2878 Camino Del Rio South, Ste. 402
San Diego, CA 92108
(619) 325-8282
Transparent Mortgage
  • Online pre-approval
  • Refinance loans
  • No appraisal fees
  • Purchase loans
555 W. Beech St., Ste. 240
San Diego, CA 92101
(619) 929-0199
Community Mortgage
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • calcommunitymortgage.com
814 Morena Blvd., Ste. 310
San Diego, CA 92110
(619) 692-3630
JMJ Financial: Maureen Martin
  • M-F: 8am - 6pm
  • Closed Sat and Sun
  • sandiegohomelender.com
9255 Towne Centre Dr., Ste. 460
San Diego, CA 92121
(619) 857-7191
Mountain Trust
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • mountaintrustmortgage.com
16486 Bernardo Center Dr., Ste. 368
San Diego, CA 92128
(858) 376-1299
Mission Home Mortgage
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • missionhomemortgage.com
3033 5th Ave., Ste. 420
San Diego, CA 92103
(619) 688-0011
San Diego Funding
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • sdfunding.com
2468 Historic Decatur Rd., Ste. 160
San Diego, CA 92106
(619) 260-1710
San Diego Mortgage News
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • sandiegomortgagenews.net
16644 W Bernardo Dr., Ste. 100
San Diego, CA 92127
(619) 312-0612
MAR Financial
  • Open 24 hours
  • marfinancial.net
10620 Treena St., Ste. 230
San Diego, CA 92131
(858) 947-3664
Cross Country
  • M-F: 6am - 7pm
  • Closed Sat and Sun
  • sandiegocrosscountry.com
225 Broadway, Ste. 1600
San Diego, CA 92101
(858) 252-1401

How to choose a mortgage lender in San Diego

San Diego skyline

A mortgage company helps determine your price range and what type of loan best fits your financial situation.

Many military families in San Diego take advantage of VA home loan benefits. Special U.S. Department of Agriculture (USDA) loans might be available for those buying homes in rural areas of San Diego County, including Fallbrook, Valley Center, Ramona, Julian, Bonsall, Jamul, Alpine and Pine Valley.

To purchase condominiums and townhomes, urban residents in San Diego can inquire about FHA loans, which are sometimes easier to qualify for and have a lower down payment than conventional loans. The Department of Housing and Urban Development provides information for homebuyers in San Diego.

Buyers in most San Diego neighborhoods will find that the city’s median home price of $570,000 exceeds the maximum conforming loan limit, which is $424,100 in San Diego County. Homebuyers looking to take out a loan above this amount will need to obtain a jumbo loan. Mortgage refinancing might be a desirable option for homeowners in areas of San Diego that have experienced significant changes in home values, like Solana Beach or Spring Valley.

Real estate market trends and home values in San Diego

During the economic downturn, new home-building in San Diego did not keep pace with population growth. Consequently, San Diego is experiencing rising prices and shrinking inventory of homes for sale. San Diego home prices reached lows in 2009 and have risen steadily since. Projections show prices continuing to rise, considering the influx of homebuyers and shortage of housing.

In 2018, the San Diego median home price reached $570,000. Among the neighborhoods that saw the biggest increases in median prices were Logan Heights, up to $360,000, and Ocean Beach, up to $1,066,000. North County had the most home sales, especially Oceanside, where median price is about $500,000.

Median home prices in San Diego County

Location Median home price
Downtown $594,400
Del Cerro $523,600
La Jolla $1.6 million
Chula Vista $532,100
Carmel Valley $1 million

New neighborhoods are growing around San Diego, especially in southern and northern parts of the county. Urban infill in central San Diego is bringing new residences to existing neighborhoods. New homes in San Elijo Hills, a north county community, are near hiking trails, restaurants and shops. Median price there is $528,000.

Eastlake and Otay Ranch in the south bay have a median home price of $463,000 and offer shopping, parks and a relatively short commute to downtown. New construction in downtown’s East Village puts residents near the ballpark and the city’s nightlife.

San Diego Mortgage Companies Reviews

Quicken Loans

With Quicken Loans, you can choose from a number of types of mortgages, including conventional, FHA, VA and jumbo loans. Current homeowners can take advantage of its mortgage refinancing options. On its secure website, you can submit an application, receive customized suggestions and get approved in minutes. Quicken Loans also provides mortgage rate locks, which secure your interest rate until the sale closes. It offers loans with fixed and adjustable interest rates, as well as 15-year, 30-year and custom loan terms.

Quicken Loans Learn More (800) 940-2133

Rocket Mortgage

Rocket Mortgage provides jumbo, FHA, VA and conventional mortgages to homebuyers in San Diego and across the nation. It also offers refinancing for those who already have mortgages. Its website offers custom loan recommendations and instant approval. If you want to talk to a person or need more hands-on help, you can speak to one of its loan representatives on the phone or via webchat. With Rocket Mortgage, you can take out fixed-rate loans with terms of either 15 or 30 years.

Rocket Mortgage Learn More (800) 762-5471


AmeriSave was founded in 2002. Zillow reviewers give the company high marks, earning it the 5-Star Lender Reward. AmeriSave offers customers the option of getting preapproved to expedite the buying process. Enroll in the AmeriSave Advantage program for links to a network of San Diego area real estate agents and the possibility of earning a cash back reward.

AmeriSave Learn More (866) 815-0655


HomeDirect is a direct lender based in Kansas City. They service the loans they make. Homebuyers will appreciate their informative website, which details the mortgage process and documents required. Reviewers in California report mixed experiences, including great service on VA loans and long waits for closing.


Home Plus Mortgage

Home Plus Mortgage has its corporate headquarters in San Diego. As a mortgage broker, this company shops around for different lenders to offer you the best rate. A large majority of reviewers in Southern California, including customers that were both first time homebuyers and refinancers, give this company five stars for clear communication and friendly customer service.

Home Plus Mortgage

Transparent Mortgage

Transparent Mortgage is based in the Little Italy neighborhood of San Diego and serves all of California. This company offers a Clear Terms Agreement, which guarantees that if all of the information you provide is verified, they will adhere to the rates and terms they quote originally. San Diego customers enjoy the personal service provided by the business owners and associates.

Transparent Mortgage