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5 Best Mortgage Brokers in San Diego (2026)

Ranked by real Google ratings and review volume · How we chose

Lorian Hartfield
By Lorian Hartfield, Real Estate and Financial Expert · ✓ Updated · 7 min read

We compared 18 mortgage brokers in San Diego on Google Maps · 5 listed · How we rank

A mortgage is the largest bill most people ever sign, so the person on the other end of the phone matters. The mortgage brokers in San Diego on this page hold more than 6,000 Google reviews between them, rated 4.8 to 5.0, and several are direct lenders rather than brokers, so it pays to know which one you're calling.

Short answer: Synergy One Lending, a direct lender, has the largest review base here, at 5.0 from more than 4,200 reviews. West Coast Funding Team of E Mortgage Capital is listed by Google as a mortgage broker, at 5.0 from more than 430 reviews. Rates and fees depend on your credit and loan type, and no prices are published here.
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Lenders and Brokers Compared

# Business Rating Reviews Best for
1 Synergy One Lending 5.0 ★ 4,285 Purchase and refinance loans, first-time buyers View ›
2 Griffin Funding, Inc. 4.8 ★ 996 VA, bank statement and investor loans View ›
3 West Coast Funding Team of E Mortgage Capital 5.0 ★ 434 Purchase and investment property loans View ›
4 Nathan Udomsri at Lurn Lending 5.0 ★ 232 First-time buyers who want education View ›
5 Valor Lending Group 4.9 ★ 147 Self-employed and investor loans View ›
5 Best Mortgage Brokers in San Diego (2026)

The mortgage professionals, one by one

Synergy One Lending logo
#1 Overall🕑 Open 5 days/wk

Synergy One Lending

5.04,285 Google reviews

Synergy One Lending is a mortgage lender on W Ash St, not a broker. Its site offers purchase and refinance loans through loan officers, with an application in its mobile app, and also promotes a personal finance app.

What people praise

  • A first-time homebuyer who is a veteran says loan officers returned calls fast, including on weekends
  • Reviewers say their loan officers explained each step and every option clearly
  • One reviewer says the officer coordinated with their realtor to keep the process moving
  • A single mother describes a patient, encouraging loan officer who was always available for questions

Worth knowing

  • Google lists weekday hours only, 8 AM to 4:30 PM
Reputation scorecardrank in San Diego
Rating5 / 5
Review volume4,285 · 97th
Confidencevery high
Recency3 weeks ago
Info completenesssite · phone · hours
Rating breakdown98% 5-star
✓ VerifiedSource: Google

Our take: The largest review base on this page, built around loan officers who handle purchases and refinances.

Website+1888-995-1256 Directions

610 W Ash St Ste 1505, San Diego, CA 92101

GR
#2🕑 Open 6 days/wk↩ Responds to reviews

Griffin Funding, Inc.

4.8996 Google reviews

Griffin Funding, Inc. is a direct mortgage lender on Fifth Ave, not a broker. Its site says it specializes in bank statement loans for the self-employed, DSCR loans for real estate investors, home equity loans and VA loans, and lists a minimum loan amount of $100,000.

What people praise

  • One veteran reviewer says the team handled a VA loan through a difficult situation
  • A reviewer describes a bank statement HELOC handled by responsive loan officers
  • One investor reviewer completed a first DSCR loan and calls the process straightforward
  • One reviewer reports approval and funding in a little over two weeks on an atypical loan

Worth knowing

  • One reviewer, while giving five stars, found the underwriting emphasis on a 12-month policy complicating
  • The site lists a $100,000 minimum loan amount
Reputation scorecardrank in San Diego
Rating4.8 / 5
Review volume996 · 92nd
Confidencevery high
Recency3 weeks ago
Info completenesssite · phone · hours
Rating breakdown93% 5-star
✓ VerifiedSource: Google

Our take: A match for self-employed borrowers, investors and veterans who need non-standard underwriting. Ask whether your file fits its loan programs.

Website Book now+1855-546-1028 Directions

2445 Fifth Ave #401, San Diego, CA 92101

West Coast Funding Team of E Mortgage Capital logo
#3🕑 Open 7 days

West Coast Funding Team of E Mortgage Capital

5.0434 Google reviews

West Coast Funding Team of E Mortgage Capital is listed by Google as a mortgage broker, working out of Camino del Rio S. Reviewers describe purchase loans, property acquisitions and a client of more than a decade who finances properties in California and Tennessee. Google lists the office as open 24 hours.

What people praise

  • One reviewer says the loan closed in 5 days
  • Reviewers call the rates competitive
  • A long-time client says the team handles complicated files well
  • Reviewers praise fast paperwork and clear communication
Reputation scorecardrank in San Diego
Rating5 / 5
Review volume434 · 86th
Confidencehigh
Recency4 weeks ago
Info completenesssite · phone · hours
Rating breakdown99% 5-star
✓ VerifiedSource: Google

Our take: Listed as a broker, with a deep, consistent review history. Ask for a written loan estimate so you can compare it with a direct lender.

Website+1619-855-1084 Directions

2555 Camino del Rio S Ste 210, San Diego, CA 92108

Nathan Udomsri at Lurn Lending logo
#4🕑 Open 7 days

Nathan Udomsri at Lurn Lending

5.0232 Google reviews

Nathan Udomsri at Lurn Lending is a mortgage lender on B St. Its site is built around homebuyer education, with free educational videos and a three-step guidance process, and Google lists weekday hours to 8 PM plus weekend hours until 2 PM.

What people praise

  • One reviewer says the team educated and prepared them long before they were ready to purchase
  • One reviewer describes custom videos and interactive spreadsheets that laid out options for each home
  • One reviewer says a purchase closed in 14 days
  • One reviewer praises communication tailored to phone, text, video or email

Worth knowing

  • Reviewers mostly name Nathan Udomsri himself when describing the service
Reputation scorecardrank in San Diego
Rating5 / 5
Review volume232 · 81st
Confidencehigh
Recency4 weeks ago
Info completenesssite · phone · hours
Rating breakdown100% 5-star
✓ VerifiedSource: Google

Our take: A fit for first-time buyers who want to be walked through the process, with a 5.0 across more than 230 reviews.

Website Book now+1619-471-8486 Directions

600 B St Suite 300, San Diego, CA 92101

Valor Lending Group logo
#5🕑 Open 6 days/wk↩ Responds to reviews

Valor Lending Group

4.9147 Google reviews

Valor Lending Group is a mortgage loan team in the Diamond View Tower at Petco Park, listed by Google as both a mortgage broker and a mortgage lender. Its reviewers describe alternative bank statement underwriting for the self-employed, DSCR refinance loans and a transition to permanent financing.

What people praise

  • One self-employed reviewer says a loan officer managed a complex multi-state file through to closing
  • One investor reviewer had two cash-out DSCR refinance loans closed against a tight deadline
  • A repeat client says the loan officer stays on top of every detail
  • Reviewers describe patient explanations of options

Worth knowing

  • The reviews that name a loan type describe self-employed or investor loans
Reputation scorecardrank in San Diego
Rating4.9 / 5
Review volume147 · 75th
Confidencemoderate
Recency5 weeks ago
Info completenesssite · phone · hours
Rating breakdown97% 5-star
✓ VerifiedSource: Google

Our take: Good for borrowers whose income is hard to document. Google lists hours from 5 AM to 9 PM, Monday through Saturday.

Website+1619-810-0088 Directions

Petco Park | Diamond View Tower | 350 10th Ave | 10th Floor |, San Diego, CA 92101

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What the scorecards measure

Rating is the business’s live Google star average. Review volume is how many customers have rated it, set against the other mortgage professionals in San Diego. Confidence weighs the rating by that volume, so a 5.0 from more than 4,200 people carries different weight than one from fewer than 150. Recency reflects how recently customers are still leaving reviews. Reviews describe past experiences and do not predict the terms you will be offered.

What shapes a mortgage quote in San Diego

No prices are published here. Your credit profile, down payment, loan type (conventional, VA, bank statement or investor), loan size and the lender’s own fees all change the rate and closing costs you are offered, and nothing here guarantees an outcome. Ask for a written loan estimate from more than one lender or broker and compare them line by line.

Mortgage professionals in San Diego

The offices here are in San Diego, on W Ash St, Fifth Ave, Camino del Rio S, B St and 10th Ave. Looking for a mortgage broker near me? Each listing shows a phone number and directions.

Questions to ask a mortgage professional

  • Are you a direct lender or a broker that shops several lenders?
  • Which loan programs fit my situation, such as VA, self-employed or investor loans?
  • Can I get a written loan estimate with all fees listed?
  • Who will be my main contact during the loan?
  • How long does a typical closing take?

Frequently asked questions

What is the difference between a mortgage broker and a direct lender in San Diego?

Google lists West Coast Funding Team of E Mortgage Capital as a mortgage broker and Valor Lending Group as both a broker and a lender. Synergy One Lending, Griffin Funding, Inc. and Nathan Udomsri at Lurn Lending are listed as lenders, which lend their own funds rather than shopping your file.

Who handles VA loans for San Diego buyers?

Griffin Funding, Inc. lists VA loans on its site, and one reviewer describes a VA loan. A veteran reviewer of Synergy One Lending describes a first home purchase there. Confirm your eligibility with the lender.

Can a self-employed borrower get a mortgage in San Diego?

Griffin Funding, Inc. says it specializes in bank statement loans for the self-employed, and a Valor Lending Group reviewer describes alternative bank statement underwriting. Approval depends on your finances.

Which San Diego mortgage companies handle investor loans?

Griffin Funding, Inc. lists DSCR loans for real estate investors, and reviewers of both Griffin Funding and Valor Lending Group describe DSCR loans. A West Coast Funding Team reviewer describes property acquisitions.

Choosing a mortgage professional

Decide first whether you want a broker or a direct lender, then match the loan type to the firm. Synergy One Lending carries the largest review history, West Coast Funding Team is listed as a broker, and Griffin Funding and Valor Lending Group lean toward non-standard loans. Compare written loan estimates before you commit.

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