Top Picks · San Diego
Best Mortgage Brokers in San Diego, CA
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of July 2026, RatingsNearMe ranks 18 mortgage brokers in San Diego, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Guild Mortgage Company with a 5.0-star rating from 2,802 Google reviews and an RNM Score of 100/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
PrimeLending, A PlainsCapital Company - San Diego
PrimeLending is a top-ranked national lender with a strong local presence, offering a wide range of loan products and consistently high customer satisfaction ratings.
Most Reviewed
San Diego Home Loans
A high number of reviews indicates broad customer experience and trust, making it easier to gauge service quality and reliability.
When choosing a mortgage broker in San Diego, compare loan options, fees, and customer reviews carefully. Local brokers may offer more personalized service, but larger lenders like PrimeLending often have more competitive rates and faster processing.
Local Market Snapshot
18
Businesses listed
5★
Avg rating
373
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
San Diego's top-rated mortgage broker with 5.0 stars from over 2,800 reviews.
5887 Copley Dr Floors 1, 3, 4, 5, And 6, San Diego, CA 92111, USASan Diego mortgage broker with a 4.9-star rating from over 1,100 reviews.
2655 Camino Del Rio N #100, San Diego, CA 92108, USASan Diego's top-rated mortgage broker with 4.9 stars from nearly 500 reviews.
8885 Rio San Diego Dr suite 370, San Diego, CA 92108, USAMortgage 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 | HomePlus Mortgage NMLS ID# 786699655 Granite Ridge Dr #200, San Diego, CA 92123, USA | 4.9★ | 367 |
| #6 | Key Real Estate Capital401 W A St, San Diego, CA 92101, USA | 5.0★ | 86 |
| #7 | Finest City Homes & Loans2368 Second Ave, San Diego, CA 92101, USA | 5.0★ | 19 |
| #8 | San Diego Home Loans3160 Camino del Rio S Suite 206, San Diego, CA 92108, USA | 4.9★ | 75 |
| #9 | Plan Prepare Home3855 Granada Ave, San Diego, CA 92104, USA | 5.0★ | 111 |
| #10 | Jessica Ring9655 Granite Ridge Dr #200, San Diego, CA 92123, USA | 5.0★ | 46 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in San Diego
5.0-star rating from 71 reviews highlights trusted local mortgage guidance.
2550 Fifth Ave #510, San Diego, CA 92103, USA
San Diego mortgage broker with 4.9 stars from 367 Google reviews.
9655 Granite Ridge Dr #200, San Diego, CA 92123, USA
Top-rated San Diego mortgage broker with a flawless 5.0-star rating from 86 reviews.
401 W A St, San Diego, CA 92101, USA
Rated 5.0 stars from 19 Google reviews for exceptional mortgage service in San Diego.
2368 Second Ave, San Diego, CA 92101, USA
Rated 4.9 stars from 75 Google reviews for exceptional mortgage services in San Diego.
3160 Camino del Rio S Suite 206, San Diego, CA 92108, USA
San Diego mortgage broker with 5.0 stars from over 100 Google reviews.
3855 Granada Ave, San Diego, CA 92104, USA
San Diego mortgage broker with a flawless 5.0-star rating from 46 reviews.
9655 Granite Ridge Dr #200, San Diego, CA 92123, USA
Top-rated San Diego mortgage broker with a perfect 5.0★ from 161 reviews.
3030 El Cajon Blvd, San Diego, CA 92104, USA
Trusted San Diego mortgage broker with 4.9 stars from 79 reviews.
11230 Sorrento Valley Rd Suite 140, San Diego, CA 92121, USA
San Diego mortgage broker with a 4.8-star rating from over 400 Google reviews.
3131 Camino Del Rio N #1100, San Diego, CA 92108, USA
Trusted by hundreds of San Diego clients with a flawless 5.0-star rating.
10620 Treena St Suite 230, San Diego, CA 92131, USA
San Diego mortgage broker with a perfect 5.0★ rating from 175 reviews.
1455 Frazee Rd Suite 500, San Diego, CA 92108, USA
Top-rated San Diego mortgage broker with 5.0 stars from 126 reviews.
11622 El Camino Real # 100, San Diego, CA 92130, USA
San Diego mortgage broker with a perfect 5.0★ rating from over 200 reviews.
3131 Camino Del Rio N # 370, San Diego, CA 92108, USA
San Diego mortgage broker with a 4.9-star rating from over 140 reviews.
12230 El Camino Real #100, San Diego, CA 92130, USA
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Mortgage Brokers in San Diego, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Guild Mortgage Company | 100/100 | 5.0 ★ | 2,802 |
| 2 | Cornerstone First Mortgage | 98/100 | 4.9 ★ | 1,141 |
| 3 | Scott Evans at CrossCountry Mortgage | 98/100 | 4.9 ★ | 496 |
| 4 | Desiree Lowe - Supreme Lending | 93/100 | 5.0 ★ | 71 |
| 5 | HomePlus Mortgage NMLS ID# 78669 | 90/100 | 4.9 ★ | 367 |
| 6 | Key Real Estate Capital | 94/100 | 5.0 ★ | 86 |
| 7 | Finest City Homes & Loans | 86/100 | 5.0 ★ | 19 |
| 8 | San Diego Home Loans | 92/100 | 4.9 ★ | 75 |
| 9 | Plan Prepare Home | 96/100 | 5.0 ★ | 111 |
| 10 | Jessica Ring | 79/100 | 5.0 ★ | 46 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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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: July 4, 2026.
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