Top 7 Best Mortgage Lenders in San Diego

Searching for a house is one of the most exciting parts of one’s life, but there’s always the matter of finances that must be taken care of in order to make that dream come true. That’s when you look for a mortgage company. With a mortgage loan, you can have the finances you need to pay for the house. But no mortgage company is like the next, and it can be intimidating to try figuring out which mortgage lender is the best. That’s where TopResearched comes in to help! With our researchers and tough ranking criteria, we’re able to gather, filter, and verify the best there is in San Diego so that you can skip the run around and get straight to contacting the mortgage companies that will look out for your best interests as you pursue the home you really want in San Diego. [more]

Browse Top Mortgage Lenders in San Diego, California below.

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Cornerstone Home Lending San Diego
  • Reputation: Excellent!
  • Experience: 25+ Years
  • Awards:
    Cornerstone Home Lending’s Top Producing Loan Officer (President’s Club Award), 2019 Five Star Mortgage Professional (2016, 2017, 2108, 2019)
  • # of Loan Types: 5 including Fixed-Rate Mortgage, ARM, and FHA Loans
  • Accessibility: B (Phone Number, Email)

Cornerstone Home Lending, Inc.

The process of getting a home can be long and confusing, but with Cornerstone Home Lending, they strive to provide their every client with an easy-to-understand process as their mortgage professionals guide them from prequalification to finally getting that home you’ve always wanted. Cornerstone Home Lending boasts over 1,500 team members and is in good standing with FHA, VA, USDA, Fannie Mae, and Freddie Mac. For the San Diego branch, senior mortgage loan consultant and branch manager Mike Lynch himself has been in the business since 1994 and is dedicated to helping his clients get the right loan for their perfect home.

Different Mortgage San Diego
  • Reputation: Excellent!
  • Experience: 17+ Years
  • # of Loan Types: 8 including Conventional Loans, FHA Loans, and VA Loans
  • Accessibility: A+ (Phone Number, Email, Online Form, Handicapped Accessibility Options on Website such as Dyslexia Friendly settings)

Different Mortgage

It’s in the name! Different Mortgage sets itself apart with how it does business. For all its gross profit, it donates 10% of it to charities dedicated to rescuing and saving children from the criminal world of human trafficking. They also boast strict security policies when it comes to customer information, to provide you with extra peace of mind. They offer a variety of lending solutions ranging from Conventional loans and VA loans to Non-Conforming loans and Debt Consolidation. For a mortgage company with a heart, try Different Mortgage!

7490 Opportunity Rd. Suite 205 San Diego, CA 92111
Gaylord-Hansen Mortgage Team at LoanDepot San Diego
  • Reputation: Excellent!
  • Experience: 13+ Years
  • # of Loan Types: 6 including Fixed Rate Mortgages, VA Loans, and Home Equity Loans
  • Accessibility: B (Phone Number, Online Form)

Gaylord-Hansen Mortgage Team at LoanDepot

Whether you’re looking to get your first house or you’re looking for a refinance solution, the Gaylord-Hansen Mortgage Team is there to help you find the financial help you need. They look out for their clients from step one, helping them get pre-approved, telling them of all their options and recommending what personally fits them best, and of course, helping them get that fantastic home they’re looking for. They believe that the best mortgage decisions are informed ones, and they’re always looking forward to educating their clients on how to make the best move to their perfect house. Some of the loans they offer include VA Loans, Home Equity Loans, ARM loans, and Fixed Rate Mortgages.

Grander Home Loans San Diego
  • Reputation: Excellent!
  • Experience: 7+ Years
  • Awards:
    LendingTree Certified Lender 2020
  • # of Loan Types: 5 including Conventional Loans, VA Loans, and Jumbo Loans
  • Accessibility: A (Phone Number, Email, Online Form)

Grander Home Loans, Inc.

The team at Grander Home Loans believes that communication is key to a truly beneficial loaning experience. From providing regular updates through email and phone to providing comprehensive education on their various types of loans, the Grander Home Loans team works hard to ensure that their clients make the best decisions possible while getting their dream home. With the people of Grander Home Loans, you can get access to Conventional Loans, Jumbo Loans, VA Loans, and more.

3930 Oregon St Ste 200 San Diego, CA 92104
Griffin Funding Mortgage San Diego
  • Reputation: Excellent!
  • Experience: 8+ Years
  • Awards:
    #1 San Diego Business Journal’s Fastest Growing Private Companies of 2017
  • # of Loan Types: 16 including Conventional Loans, VA Loans, and Bank Statement Loans
  • Accessibility: A (Phone Number, Email, Online Form)

Griffin Funding

From Non-QM loans to Conventional and VA loans, Griffin Funding offers a comprehensive suite of loan solutions for your home mortgage search. They have a great appreciation for our nation’s military veterans from their several VA home loan programs to their sponsoring of the Shelter to Soldier non-profit organization. Whether you’re a first-time home buyer or you’re looking to refinance, Griffin Funding has a solution, if not more than one, for you!

Veterans United Home Loans of San Diego
  • Reputation: Excellent!
  • Experience: 19+ Years
  • # of Loan Types: Specializes in VA Loans
  • Accessibility: A (Phone Number, Email, Online Process Available)

Veterans United Home Loans of San Diego

Committed to helping those who have served in our nation’s armed forces, the Veterans United Home Loans of San Diego is run by specialists in VA loans, guiding clients in determining their eligibility, their benefits, and even helping them save money every month on their mortgage. Whether you’re a first-time homebuyer, or you’re looking to refinance with a VA loan, there’s none more dedicated and experienced in the category than Veterans United Home Loans of San Diego. They’ve been helping clients since 2002.

XO Mortgage San Diego
  • Reputation: Excellent!
  • Experience: 10+ Years
  • # of Loan Types: 11 including Fixed-Rate Mortgages, FHA Loans, and USDA Loans
  • Accessibility: A+ (Phone Number, Email, Live Chat, Online Form, Handicapped Accessibility Options on Website such as Dyslexia Friendly settings)

XO Mortgage

Since 2011, the people at XO Mortgage have been providing all sorts of mortgage financing solutions for clients in San Diego. From Fixed Rate Mortgages and Jumbo loans to VA Loans and Refinancing, whether you’re looking for a first-time home or you’re finding a new home in San Diego, their mortgage advisors will be happy to assist you. If you’re concerned about getting pre-qualified, Patrick Wingate and his team can also help you with the process of getting pre qualification before starting you on the road to owning a home!

More About Mortgage Lenders in San Diego, CA

Most people won’t have the cash on hand to simply buy a house, which is why mortgage loans can be quite helpful whether you’re a first-time homebuyer or someone looking for their next home. But San Diego is a big city, and there are tons of mortgage lenders out there to offer you a mortgage—trying to decide which one can be a great challenge, especially if you’ve never bought a home before. Finding the right mortgage lender with the right loan for you can take hours to days of searching, but when it comes to getting the house of your dreams, there’s no time to waste. That’s why TopResearched does the hard work for you by looking through every mortgage company out there to find you the very best.
Mortgage companies differ from one another, whether it’s their interest rates or the types of loans that they offer, and it can be a bit of an obstacle course looking for the right one if you don’t know what you’re looking for. For some people, they might just need a Conventional Loan. Meanwhile, some people might qualify and be able to take advantage of a VA Loan. But most of all, what you should always look for is a mortgage loan that is sustainably within your means. Look for a mortgage lender that has your interests and your future in mind, so that your mortgage works to help you and not hinder you later on.
TopResearched uses some of the toughest ranking criteria to ensure that only the absolute top mortgage companies appear on our curated lists. We know how important it is to find a mortgage that can help you find that perfect home—a home can be more than just a promise of shelter, it can be the future of a family and more. Keep that future in sight with the help of TopResearched as we find the mortgage companies that will work to your best interests and meet your needs both current and into the future.
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The TopResearched Selection Process

We find the industry experts in your area through a double-selection process of research, comparison, and verification. During the first stage, we gather the experts based on a single industry in your area that match our preliminary standards. Then, for the second stage, we use our stringent rating criteria to begin further separating the highest ranked from the rest collected. This helps make sure that you’re only seeing the best of the best industry experts in your area!
Here’s a breakdown of the rating criteria that our researchers use to sort the best from the rest before placing them into our curated lists:

From average review scores to client stories and service results, we determine the trustworthiness and reliability.


We verify that the experts you’re working with are truly experienced in their field and have the expertise to meet your needs.

Awards and Qualifications

Some local experts stand above the rest because of their accomplishments, knowledge and education.


An industry expert that cares is one that’s there for you. We search for every means that an industry expert may be contacted.


Depending on the industry that you’re looking for, we also analyze your local experts based on industry-specific factors.

Compare Providers

Browse through curated list of industry-specific TopResearched selected local expert providers, ready for you to contact.

Frequently asked questions

Browse through related frequently asked questions curated by the TopResearched team.

How Long Can It Take to Get a Mortgage?

Usually, you can expect a mortgage to take around 30 days from pre approval to actually getting the mortgage loan. However, if it’s during the busier times of the year, you might find yourself waiting anywhere from 45 to 60 days instead. It is best to be prepared in the case that it takes longer than usual—the more planning ahead you do, the better and smoother your homebuying experience will be!

What Does Your Reputation Metric Mean?

TopResearched decided on a Reputation metric to provide our readers with a snapshot of a company’s overall level of trustworthiness, professionalism, and degree of service. This is done by analyzing a mortgage company’s average review scores, their customer service, and their social media engagement. Once those components have been gathered, we can then award a grade of Excellent, Good, Average, or Bad. This plays an important role in how we separate the best of the best from all the rest!

What is Pre-Approval for a Mortgage? How Long Does It Take?

Getting a preapproval does mean that you’re guaranteed for a loan, but it does increase your chances and it gives you an advantage when you’re competing with other buyers for a home. In some cases. Some home sellers will even ask for a pre-approval letter. The process of getting a preapproval is not too long—normally, it takes about one to three days. However, in some cases, it may take as long as 10 business days before you receive a pre approval. Then comes the process of getting the actual mortgage, which can take weeks to months.

Are Experience and Awards Important?

They sure are! An experienced mortgage provider may have greater knowledge and skill at determining whether one loan is better than another for a specific client—after all, every client is unique, and it is important to ensure that each client gets a loan that fits their means and their needs. Awards may be rare, but a mortgage provider who’s won an award, or multiple awards, is a good indication that they’ve excelled at customer service and in giving mortgage loans that truly benefit their client base—that in turn increases their trustworthiness and has an impact on their Reputation score on TopResearched!

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