Top 3 Mortgage Lenders in San Diego

Guild Mortgage is a San Diego-based national lender with deep roots in the local community. Founded in 1960, they have consistently maintained exceptional customer satisfaction ratings and are particularly renowned for their expertise with VA loans and first-time homebuyer programs. Their local underwriting and processing teams provide personalized service with quick turnaround times, and they offer a comprehensive range of loan products with competitive rates. As a publicly traded company headquartered in San Diego, they have strong community ties and extensive experience with the local real estate market.

First Republic Bank has built an exceptional reputation in Southern California for premium service and highly competitive jumbo loan rates. While recently acquired by JPMorgan Chase, they continue operating under their established brand with the same commitment to white-glove service. They're particularly favored by high-net-worth clients and professionals seeking personalized banking relationships. Their mortgage specialists provide dedicated, concierge-level service with direct access to decision-makers, and they're known for flexibility in underwriting and exceptional customer satisfaction throughout the loan process.

As San Diego's largest credit union, Mission Fed has been serving the local community since 1961 with exceptional member service and competitive mortgage products. They consistently offer among the lowest rates in the region and provide significant savings through their member-owned structure. Their mortgage team includes local experts who understand San Diego's unique housing market, and they offer special first-time homebuyer programs with down payment assistance. Members benefit from personalized service, local decision-making, and the credit union's not-for-profit approach that often results in lower fees and better terms than traditional banks.