Home purchase lenders in San Diego County
21,383 home purchase mortgages were made in San Diego County, California, in 2025, by 554 lenders. The median rate their borrowers got was 6.490% on a median loan of $705,000. Of 25,362 decisions, 2,882 were denials — 11.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 3,427 | 6.499% | $685,000 | 9.6% |
| Rocket Mortgage, LLC | 1,475 | 6.500% | $685,000 | 12.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 860 | 6.625% | $705,000 | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | 713 | 6.499% | $765,000 | 12.9% |
| U.S. Bank National Association | 622 | 6.000% | $835,000 | 13.5% |
| LENNAR MORTGAGE, LLC | 588 | 4.990% | $695,000 | 9.2% |
| JPMorgan Chase Bank, National Association | 578 | 6.125% | $850,000 | 9.5% |
| MISSION | 451 | 5.875% | $825,000 | 2.2% |
| THE LOAN STORE, INC. | 381 | 6.625% | $635,000 | 6.4% |
| Fairway Independent Mortgage Corporation | 339 | 6.625% | $665,000 | 2.6% |
| CMG MORTGAGE, INC. | 321 | 6.500% | $705,000 | 2.9% |
| Wells Fargo Bank, National Association | 319 | 6.000% | $925,000 | 15.1% |
| NEWREZ LLC | 319 | 6.250% | $765,000 | 6.4% |
| Navy Federal Credit Union | 313 | 6.125% | $665,000 | 15.9% |
| Mortgage Research Center, LLC | 308 | 6.125% | $680,000 | 6.3% |
| GUARANTEED RATE, INC. | 279 | 6.500% | $775,000 | 1.7% |
| Bank of America, National Association | 261 | 5.875% | $825,000 | 22.9% |
| Kiavi Funding, Inc. | 243 | 9.000% | $765,000 | 7.9% |
| KIND LENDING, LLC | 225 | 6.500% | $655,000 | 24.6% |
| GUILD MORTGAGE COMPANY | 215 | 6.375% | $525,000 | 4.0% |
| Loandepot.Com, LLC | 197 | 6.250% | $685,000 | 7.5% |
| CALIFORNIA CREDIT UNION | 194 | 5.625% | $805,000 | 5.5% |
| POINT MORTGAGE CORPORATION | 193 | 6.375% | $665,000 | 0.5% |
| RESICENTRAL, LLC | 188 | 6.250% | $705,000 | 6.5% |
| ZILLOW HOME LOANS, LLC | 188 | 6.375% | $565,000 | 3.5% |
| Broker Solutions, Inc. | 175 | 6.625% | $585,000 | 3.9% |
| Paramount Residential Mortgage Group, Inc. | 168 | 5.750% | $610,000 | 3.5% |
| TRIAD FINANCIAL SERVICES, INC. | 160 | 8.730% | $205,000 | 31.6% |
| OCMBC, INC. | 153 | 6.625% | $685,000 | 10.3% |
| 21st Mortgage Corporation | 149 | 9.640% | $185,000 | 64.2% |
| Cornerstone First Mortgage, Inc | 147 | 6.500% | $675,000 | 0.7% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 147 | 6.500% | $685,000 | 0.0% |
| AMWEST FUNDING CORP. | 143 | 6.750% | $625,000 | 2.7% |
| FREEDOM MORTGAGE CORPORATION | 128 | 6.125% | $720,000 | 15.2% |
| GUARANTEED RATE AFFINITY, LLC | 123 | 6.490% | $725,000 | 0.8% |
| Sierra Pacific Mortgage Company, Inc. | 122 | 6.500% | $530,000 | 10.1% |
| Prosperity Home Mortgage, LLC | 116 | 6.625% | $805,000 | 4.1% |
| Morgan Stanley Private Bank, National Association | 115 | 5.875% | $1,005,000 | 3.1% |
| Commerce Home Mortgage, Inc. | 110 | 7.250% | $780,000 | 6.8% |
| MOVEMENT MORTGAGE, LLC | 107 | 6.750% | $635,000 | 4.4% |
| STG MORTGAGE INC | 106 | 6.500% | $765,000 | 8.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 105 | 6.625% | $695,000 | 9.5% |
| CONVENTUS LLC | 104 | 9.250% | $965,000 | 1.0% |
| Charles Schwab Bank, SSB | 103 | 5.350% | $1,085,000 | 5.4% |
| GOLDEN EMPIRE MORTGAGE, INC. | 101 | 6.500% | $635,000 | 6.4% |
| Citibank, National Association | 99 | 6.000% | $910,000 | 13.7% |
| BAY EQUITY LLC | 96 | 6.688% | $620,000 | 1.0% |
| Synergy One Lending, Inc. | 94 | 6.750% | $690,000 | 2.1% |
| KBHS HOME LOANS, LLC | 93 | 6.125% | $725,000 | 13.9% |
| OriginPoint, LLC | 91 | 6.625% | $865,000 | 4.2% |
| MORTGAGEONE, INC. | 90 | 6.625% | $760,000 | 8.0% |
| INTERCAP LENDING INC. | 87 | 6.500% | $565,000 | 1.0% |
| NMSI, INC. | 83 | 6.625% | $665,000 | 0.0% |
| NexBank | 82 | 6.500% | $835,000 | 16.2% |
| NEXERA HOLDING LLC | 81 | 7.250% | $955,000 | 5.8% |
| BETTER MORTGAGE CORPORATION | 80 | 6.625% | $715,000 | 28.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 79 | 9.000% | $945,000 | 0.0% |
| SCHOOLSFIRST | 76 | 5.938% | $720,000 | 1.2% |
| East West Bank | 73 | 6.500% | $715,000 | 10.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 72 | 6.250% | $720,000 | 30.5% |
| 254900YZ174H294JW398 | 72 | 6.125% | $730,000 | 4.4% |
| Zions Bancorporation, N.A. | 71 | 6.375% | $715,000 | 17.9% |
| CHAMPIONS FUNDING, LLC | 69 | 7.999% | $615,000 | 10.4% |
| NEW WAVE LENDING GROUP INC | 68 | 7.000% | $655,000 | 0.0% |
| First-Citizens Bank & Trust Company | 67 | 5.500% | $505,000 | 24.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 6.625% | $600,000 | 2.7% |
| FIRST COLONY MORTGAGE CORPORATION | 65 | 6.125% | $615,000 | 9.6% |
| A&D Mortgage LLC | 65 | 6.625% | $675,000 | 13.3% |
| JMAC LENDING, INC. | 64 | 6.625% | $740,000 | 3.0% |
| Hometown Equity Mortgage, LLC | 60 | 7.000% | $710,000 | 47.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 60 | 6.178% | $685,000 | 8.5% |
| LENDSURE MORTGAGE CORP. | 60 | 7.500% | $715,000 | 1.5% |
| FRANKLIN LOAN CORPORATION | 60 | 6.750% | $665,000 | 1.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 58 | 6.813% | $725,000 | 10.6% |
| PLAZA HOME MORTGAGE, INC. | 56 | 6.375% | $685,000 | 21.1% |
| BMO Bank National Association | 54 | 6.250% | $1,075,000 | 29.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 54 | 6.625% | $570,000 | 6.2% |
| Logan Finance Corporation | 53 | 6.874% | $1,005,000 | 5.4% |
| Citadel Servicing Corporation | 52 | 6.875% | $635,000 | 5.2% |
| Genesis Capital, LLC | 52 | 7.975% | $790,000 | 0.0% |
| JMJ FINANCIAL GROUP | 51 | 6.500% | $695,000 | 0.0% |
| CLEAREDGE LENDING LLC | 47 | 6.999% | $1,005,000 | 13.0% |
| Equity Prime Mortgage LLC | 46 | 6.250% | $735,000 | 16.4% |
| FUNDLOANS CAPITAL | 46 | 7.375% | $985,000 | 4.2% |
| Flagstar Bank, N.A. | 45 | 6.500% | $805,000 | 40.3% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 44 | 8.700% | $165,000 | 39.3% |
| SAN DIEGO FUNDING | 43 | 6.375% | $735,000 | 2.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 42 | 6.250% | $730,000 | 2.3% |
| HOMEXPRESS MORTGAGE CORP. | 40 | 7.375% | $810,000 | 35.5% |
| NQM FUNDING, LLC | 40 | 7.312% | $730,000 | 5.9% |
| Axos Bank | 39 | 6.500% | $1,045,000 | 17.0% |
| NATIONSTAR MORTGAGE LLC | 39 | 3.875% | $635,000 | 15.2% |
| UNION HOME MORTGAGE CORP. | 39 | 6.125% | $645,000 | 4.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 37 | 6.375% | $665,000 | 14.0% |
| Sunwest Bank | 36 | Not published | $165,000 | 0.0% |
| City National Bank | 35 | 6.350% | $795,000 | 18.6% |
| MORIA DEVELOPMENT, INC. | 35 | 6.375% | $745,000 | 0.0% |
| FlexPoint, Inc. | 34 | 6.938% | $680,000 | 5.6% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 34 | 7.249% | $870,000 | 20.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 34 | 6.375% | $600,000 | 7.9% |
| Ameris Bank | 34 | 6.188% | $640,000 | 2.8% |
| UBS Bank USA | 33 | 5.875% | $1,305,000 | 2.9% |
| General Mortgage Capital Corporation | 33 | 6.500% | $665,000 | 0.0% |
| ALLIANT CREDIT UNION | 32 | 6.500% | $635,000 | 12.8% |
| Shea Mortgage Inc. | 31 | 6.375% | $665,000 | 11.4% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 31 | 6.624% | $625,000 | 11.1% |
| EVERETT FINANCIAL, INC. | 30 | 6.875% | $730,000 | 3.2% |
| CORNERSTONE CAPITAL BANK, SSB | 30 | 6.625% | $750,000 | 3.2% |
| DEEPHAVEN MORTGAGE LLC | 29 | 7.250% | $805,000 | 39.6% |
| LoanUnited.com, LLC | 29 | 6.125% | $675,000 | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 29 | 9.750% | $805,000 | 6.5% |
| CAKE MORTGAGE CORP. | 28 | 7.490% | $735,000 | 9.7% |
| SAN DIEGO COUNTY CREDIT UNION | 27 | 6.625% | $365,000 | 20.6% |
| Home Mortgage Alliance Corporation (HMAC) | 27 | 7.250% | $625,000 | 18.2% |
| ARC HOME LLC | 27 | 7.375% | $785,000 | 10.0% |
| Emporium TPO LLC | 27 | 7.250% | $675,000 | 9.1% |
| GOOGAIN, INC. | 27 | 6.750% | $655,000 | 0.0% |
| Citizens Bank, National Association | 26 | 5.500% | $1,600,000 | 3.6% |
| PNC Bank, National Association | 25 | 5.750% | $915,000 | 25.7% |
| Mechanics Bank | 24 | 6.125% | $1,205,000 | 11.1% |
| ML Mortgage Corp. | 23 | 6.500% | $615,000 | 3.9% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 23 | 6.054% | $1,345,000 | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 22 | 6.750% | $640,000 | 2.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 22 | 6.370% | $765,000 | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 22 | 6.625% | $750,000 | 8.3% |
| NBKC BANK | 22 | 6.375% | $690,000 | 4.4% |
| Tomo Mortgage, LLC | 21 | 6.125% | $755,000 | 8.7% |
| Banner Bank | 21 | 6.300% | $695,000 | 40.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 21 | 2.375% | $605,000 | 30.8% |
| AMERICAN FINANCIAL RESOURCES, INC. | 21 | 6.250% | $665,000 | 8.7% |
| TOLL BROTHERS MORTGAGE COMPANY | 19 | 6.125% | $925,000 | 6.3% |
| GEO-CORP, INC. | 19 | 6.625% | $765,000 | 9.5% |
| AAA CAPITAL INVESTMENT, INC. | 19 | 6.625% | $705,000 | 0.0% |
| MYPOINT Credit Union | 19 | 5.625% | $605,000 | 13.6% |
| Fidelity Lending Solutions, Inc. | 19 | 7.000% | $755,000 | 4.0% |
| Cathay Bank | 19 | 6.375% | $725,000 | 4.8% |
| AMERICAN INTERNET MORTGAGE, INC. | 18 | 6.375% | $465,000 | 18.2% |
| V.I.P. MORTGAGE, INC. | 18 | 6.750% | $635,000 | 10.0% |
| CALCON MUTUAL MORTGAGE LLC | 18 | 6.813% | $680,000 | 9.5% |
| LAKEVIEW LOAN SERVICING, LLC | 18 | 2.870% | $580,000 | 14.3% |
| Truist Bank | 18 | 6.113% | $1,015,000 | 14.3% |
| SPRING EQ, LLC | 17 | 8.950% | $245,000 | 41.9% |
| NATIONS DIRECT MORTGAGE, LLC | 17 | 6.615% | $655,000 | 19.1% |
| Barrington Bank & Trust Company, National Association | 16 | 6.250% | $695,000 | 15.8% |
| Manufacturers and Traders Trust Company | 16 | 2.468% | $615,000 | 15.8% |
| ALAMEDA MORTGAGE CORPORATION | 16 | 6.563% | $680,000 | 0.0% |
| Stifel Bank and Trust | 16 | 5.875% | $965,000 | 0.0% |
| Plains Commerce Bank | 15 | 6.750% | $535,000 | 11.8% |
| FRONTWAVE | 15 | 5.750% | $755,000 | 9.5% |
| Eagle Community Credit Union | 15 | 9.250% | $155,000 | 0.0% |
| VISTA POINT MORTGAGE, LLC | 14 | 7.308% | $750,000 | 37.5% |
| LUXURY MORTGAGE CORP. | 14 | 7.250% | $1,045,000 | 6.3% |
| ONY GLO, INC. | 14 | 6.250% | $715,000 | 30.0% |
| Archwest Funding | 14 | 9.000% | $1,195,000 | 5.3% |
| LOWER, LLC | 14 | 6.990% | $435,000 | 6.7% |
| US MORTGAGE CORPORATION | 14 | 6.625% | $700,000 | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 14 | 7.125% | $840,000 | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 13 | 7.625% | $715,000 | 22.2% |
| AMERITRUST MORTGAGE CORPORATION | 13 | 7.490% | $775,000 | 7.1% |
| SUMMIT FUNDING, INC. | 13 | 6.875% | $625,000 | 18.8% |
| OAKTREE FUNDING CORP. | 13 | 7.250% | $715,000 | 0.0% |
| THE GOLDEN 1 | 13 | 5.875% | $1,035,000 | 6.7% |
| PACIFIC LENDING LLC | 13 | 6.250% | $665,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 13 | 6.875% | $745,000 | 13.3% |
| ISERVE RESIDENTIAL LENDING, LLC | 13 | 6.625% | $615,000 | 0.0% |
| Click n' Close, Inc. | 13 | 6.750% | $605,000 | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 12 | 6.875% | $610,000 | 20.0% |
| EZ FUNDINGS INC. | 12 | 6.500% | $595,000 | 0.0% |
| Luminate Home Loans, Inc. | 12 | 6.875% | $640,000 | 14.3% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 12 | 6.813% | $485,000 | 7.1% |
| PLANET HOME LENDING, LLC | 11 | 5.750% | $735,000 | 42.1% |
| FIRST NATIONS HOME FINANCE CORPORATION | 11 | 6.625% | $515,000 | 6.7% |
| 254900CTT87ZKAUTIJ37 | 11 | 10.250% | $905,000 | 14.3% |
| 254900J2RKTTDJSUWD76 | 11 | 6.375% | $785,000 | 0.0% |
| SOUTHLAND CREDIT UNION | 11 | 5.500% | $575,000 | 0.0% |
| USAA Federal Savings Bank | 10 | 6.500% | $690,000 | 70.6% |
| AMERICAN HERITAGE LENDING, LLC | 10 | 7.000% | $450,000 | 7.1% |
| GENWAY HOME MORTGAGE, INC. | 10 | 6.875% | $525,000 | 28.6% |
| First Federal Bank | 10 | 5.995% | $795,000 | 23.1% |
| Watermark Capital, Inc. | 10 | 6.563% | $690,000 | 6.7% |
| EMET LENDING GROUP, INC. | 10 | 7.375% | $540,000 | 0.0% |
| Comerica Bank | 10 | 6.240% | $335,000 | 21.4% |
| First Bank | 10 | 6.500% | $475,000 | 9.1% |
| Raymond James Bank | 10 | 5.250% | $1,055,000 | 9.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 9 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 9 | Under 10 loans | Under 10 loans | 9.1% |
| First National Bank of America | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 33.3% |
| AHL FUNDING | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 8 | Under 10 loans | Under 10 loans | 20.0% |
| T. J. FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Malaga Bank F.S.B | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 354 lenders each made 8 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.