24/7 Available · San Diego
24-Hour Mortgage Brokers in San Diego, CA — Always Available
Emergencies don't keep business hours. These mortgage brokers in San Diego are available 24 hours a day, 7 days a week — including holidays.
As of May 2026, RatingsNearMe ranks 18 mortgage brokers in San Diego, CA by verified customer ratings and review volume. The highest-rated is Guild Mortgage Company with a 5.0-star rating from 2,802 verified reviews. Also in the top tier: Cornerstone First Mortgage and Scott Evans at CrossCountry Mortgage. The average rating across all listed mortgage brokers in San Diego is 5 stars from 373 reviews per business on average.
Mortgage brokers in San Diego: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
18
Businesses listed
5★
Avg rating
373
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Guild Mortgage Company
5887 Copley Dr Floors 1, 3, 4, 5, And 6, San Diego, CA 92111, USA
Cornerstone First Mortgage
2655 Camino Del Rio N #100, San Diego, CA 92108, USA
Scott Evans at CrossCountry Mortgage
8885 Rio San Diego Dr suite 370, San Diego, CA 92108, USA
Mortgage Brokers Rankings in San Diego, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Guild Mortgage Company5887 Copley Dr Floors 1, 3, 4, 5, And 6, San Diego, CA 92111, USA | 5.0★ | 2,802 |
| #2 | Cornerstone First Mortgage2655 Camino Del Rio N #100, San Diego, CA 92108, USA | 4.9★ | 1,141 |
| #3 | Scott Evans at CrossCountry Mortgage8885 Rio San Diego Dr suite 370, San Diego, CA 92108, USA | 4.9★ | 496 |
| #4 | Desiree Lowe - Supreme Lending2550 Fifth Ave #510, San Diego, CA 92103, USA | 5.0★ | 71 |
| #5 | Plan Prepare Home3855 Granada Ave, San Diego, CA 92104, USA | 5.0★ | 111 |
| #6 | SD Mortgage Couple12230 El Camino Real #100, San Diego, CA 92130, USA | 4.9★ | 141 |
| #7 | Jessica Ring9655 Granite Ridge Dr #200, San Diego, CA 92123, USA | 5.0★ | 46 |
| #8 | Renzo Marsano - MAR Financial10620 Treena St Suite 230, San Diego, CA 92131, USA | 5.0★ | 176 |
| #9 | LOAN GOAT | #1 Hard Money Lender3030 El Cajon Blvd, San Diego, CA 92104, USA | 5.0★ | 161 |
| #10 | HomePlus Mortgage NMLS ID# 786699655 Granite Ridge Dr #200, San Diego, CA 92123, USA | 4.9★ | 367 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in San Diego
Desiree Lowe - Supreme Lending
2550 Fifth Ave #510, San Diego, CA 92103, USA
SD Mortgage Couple
12230 El Camino Real #100, San Diego, CA 92130, USA
Jessica Ring
9655 Granite Ridge Dr #200, San Diego, CA 92123, USA
Renzo Marsano - MAR Financial
10620 Treena St Suite 230, San Diego, CA 92131, USA
LOAN GOAT | #1 Hard Money Lender
3030 El Cajon Blvd, San Diego, CA 92104, USA
HomePlus Mortgage NMLS ID# 78669
9655 Granite Ridge Dr #200, San Diego, CA 92123, USA
San Diego Mortgage Group
11230 Sorrento Valley Rd Suite 140, San Diego, CA 92121, USA
Keller Home Loans
3131 Camino Del Rio N #1100, San Diego, CA 92108, USA
Finest City Homes & Loans
2368 Second Ave, San Diego, CA 92101, USA
PrimeLending, A PlainsCapital Company - San Diego
3131 Camino Del Rio N # 370, San Diego, CA 92108, USA
San Diego Home Loans
3160 Camino del Rio S Suite 206, San Diego, CA 92108, USA
San Diego Mortgage Lending Solutions - C2 Financial
11622 El Camino Real # 100, San Diego, CA 92130, USA
Maureen Martin at HomePlus Mortgage
1455 Frazee Rd Suite 500, San Diego, CA 92108, USA
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Frequently Asked Questions — Mortgage Brokers in San Diego
What does a mortgage broker do differently than going directly to a bank in San Diego?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in San Diego?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in CA?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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