Wholesale Mortgage Broker San Diego Guide [2026]
By Mo Abdel, NMLS #1426884 | Lumin Lending, NMLS #2716106 | Updated February 2026
San Diego County has unique borrower profiles: military and VA usage, biotech and high-income W-2 compensation, and a large self-employed base. Wholesale broker access matters because you can shop multiple lenders for the best combination of pricing, underwriting flexibility, and closing speed.
Why San Diego borrowers use wholesale brokers
Wholesale channels let you compare lenders instead of committing to one institution. This matters when the “best” lender changes based on the file: VA versus jumbo, W-2 versus self-employed, or purchase versus refinance.
VA lending strategy (San Diego military borrowers)
VA loan approvals can be straightforward, but pricing and overlays vary. Some lenders are more flexible on residual income interpretation, appraisals, and timelines. Wholesale access helps you choose the right VA lender for the contract and the property.
Jumbo lending strategy (coastal and premium submarkets)
Jumbo guidelines differ materially across lenders. Two lenders can quote similar rates but have different reserve requirements, appraisal rules, and how they treat bonus, commission, or variable income.
Self-employed and bank statement options
Many San Diego borrowers operate businesses, contract roles, or multiple income streams. Bank statement programs can be a better fit than tax-return underwriting, but lender calculations vary. Shopping matters.
Related San Diego hubs
- San Diego wholesale mortgage deep-dive (2026)
- Coastal North San Diego wholesale hub
- Coastal San Diego & inland premium wholesale hub
- California wholesale mortgage guide (statewide)
Next Steps
If you want a clean comparison across multiple lenders for San Diego County, contact Mo Abdel (NMLS #1426884). You’ll get side-by-side options with clear tradeoffs (rate, fees, underwriting fit, and timeline).