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Rankings

Best Conventional Mortgage Lenders in San Francisco

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders85

Total Loans8,087

Median Rate Spread0.08%

San Francisco Market Insights

Wells Fargo Bank National Association is Safe Rate's top-ranked Conventional lender in San Francisco, leading on the 5 P's: pricing, pullthrough, Conventional product expertise, local knowledge, and promptness.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In San Francisco, Morgan Stanley Private Bank National Association and Googain scores highest on Conventional pricing while United Wholesale Mortgage and Googain leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #8 in San Francisco, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in San Francisco: Rocket Mortgage (#22) and Wells Fargo Bank National Association (#1).

Explore Rankings by Type

Overall Rankings

All lenders in San Francisco

Need rankings for a different loan product?

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By Institution Type

Banks Credit Unions Mortgage Companies

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Wells Fargo Bank

BankDirect

Overall

Strong

Avg Fees

$133Credit

JPMorgan Chase Bank

BankDirect & Wholesale

Overall

Strong

Avg Fees

$1,864Fees

PNC Bank

BankDirect

Overall

Strong

Avg Fees

$647Credit

Morgan Stanley Private Bank

BankDirect

Overall

Strong

Avg Fees

$345Fees

Googain

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$447Credit

HSBC Bank USA

BankDirect

Overall

Strong

Avg Fees

$1,231Credit

General Mortgage Capital Corporation

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$889Fees

United Wholesale Mortgage

Independent Mortgage CompanyWholesale

Overall

Strong

Avg Fees

$1,785Fees

U.S. Bank National Association

BankDirectDoesn't respond

Overall

Strong

Avg Fees

$1,388Credit

Guaranteed Rate

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$1,463Fees

STAR ONE Credit Union

Credit UnionDirect

Overall

Strong

Avg Fees

$61Fees

BMO Bank National Association

BankDirect

Overall

Strong

Avg Fees

$931Credit

First-Citizens Bank & Trust Company

BankDirect

Overall

Strong

Avg Fees

$51Fees

Bank of America

BankDirectDoesn't respond

Overall

Strong

Avg Fees

$747Credit

loanDepot

Independent Mortgage CompanyDirect & Wholesale

Overall

Strong

Avg Fees

$1,682Fees

Ameris Bank

BankDirect

Overall

Strong

Avg Fees

$1,143Fees

Citibank

BankDirectDoesn't respond

Overall

Strong

Avg Fees

$2,285Credit

Redwood

Credit UnionDirect

Overall

Strong

Avg Fees

$802Fees

CrossCountry Mortgage

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$2,678Fees

Charles Schwab Bank

BankWholesale

Overall

Strong

Avg Fees

$605Fees

NMSI

Independent Mortgage CompanyWholesale

Overall

Strong

Avg Fees

$3,475Fees

Rocket Mortgage

Independent Mortgage CompanyDirect & WholesaleDoesn't respond

Overall

Strong

Avg Fees

$2,408Fees

Citizens Bank

BankDirect

Overall

Strong

Avg Fees

$695Credit

Amwest Funding

Independent Mortgage CompanyWholesale

Overall

Strong

Avg Fees—

Amerihome Mortgage Company

Independent Mortgage CompanyDirect & Wholesale

Overall

Strong

Avg Fees

$515Fees

Flagstar Bank

BankDirect & Wholesale

Overall

Strong

Avg Fees

$2,264Fees

Barrington Bank & Trust Company

BankDirect

Overall

Strong

Avg Fees

$1,998Fees

San Francisco Federal Credit Union

Credit UnionDirect

Overall

Strong

Avg Fees

$1,456Fees

San Mateo Credit Union

Credit UnionDirect

Overall

Strong

Avg Fees

$85Credit

CMG Mortgage

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$2,738Fees

Guild Mortgage Company

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$5,269Fees

Bay Equity

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$1,692Fees

New American Funding

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$2,315Fees

American Pacific Mortgage Corporation

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$2,578Fees

STANFORD Federal Credit Union

Credit UnionDirect

Overall

Sound

Avg Fees

$551Fees

PrimeLending

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$3,329Fees

Provident Credit Union

Credit UnionDirectDoesn't respond

Overall

Sound

Avg Fees

$731Fees

The Golden 1

Credit UnionDirect

Overall

Sound

Avg Fees

$1,488Credit

NexBank

BankWholesale

Overall

Sound

Avg Fees

$67Fees

Guaranteed Rate Affinity

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$1,308Fees

National Cooperative Bank

BankDirect

Overall

Sound

Avg Fees

$1,467Fees

PennyMac Loan Services

Independent Mortgage CompanyDirect & WholesaleDoesn't respond

Overall

Sound

Avg Fees

$1,399Fees

Patelco Credit Union

Credit UnionDirect

Overall

Sound

Avg Fees

$857Fees

Mason Mcduffie Mortgage Corporation

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$2,414Fees

NewRez

Independent Mortgage CompanyDirect & Wholesale

Overall

Sound

Avg Fees

$1,177Fees

Kind Lending

Independent Mortgage CompanyWholesale

Overall

Sound

Avg Fees

$2,076Fees

NBKC Bank

BankDirectDoesn't respond

Overall

Sound

Avg Fees

$148Fees

Navy Federal Credit Union

Credit UnionDirectDoesn't respond

Overall

Sound

Avg Fees

$135Fees

Provident Funding Associates

Independent Mortgage CompanyWholesaleDoesn't respond

Overall

Sound

Avg Fees

$986Credit

The Loan Store

Independent Mortgage CompanyWholesaleDoesn't respond

Overall

Sound

Avg Fees

$971Fees

Rank	Lender	Safe Rate Score						Loan Economics			Action
Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Promptness	Avg Fees	Rate Spread	# of Loans	Action
1	Wells Fargo Bank BankDirect	Strong	Strong	Exceptional	Sound	Exceptional	Sound* Est.	$133Credit	0.279%Below	750
2	JPMorgan Chase Bank BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	Sound* Est.	$1,864Fees	0.015%Below	545
3	PNC Bank BankDirect	Strong	Strong	Exceptional	Strong	Exceptional	Sound* Est.	$647Credit	0.015%Above	209
4	Morgan Stanley Private Bank BankDirect	Strong	Exceptional	Strong	Sound	Strong	Sound* Est.	$345Fees	0.544%Below	152
5	Googain Independent Mortgage CompanyDirect	Strong	Exceptional	Strong	Exceptional	Strong	Sound* Est.	$447Credit	0.093%Below	62
6	HSBC Bank USA BankDirect	Strong	Strong	Strong	Sound	Exceptional	Sound* Est.	$1,231Credit	0.196%Below	283
7	General Mortgage Capital Corporation Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Exceptional	Sound* Est.	$889Fees	0.073%Above	146
8	United Wholesale Mortgage Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	Acceptable*	$1,785Fees	0.078%Above	614
9	U.S. Bank National Association BankDirectDoesn't respond	Strong	Strong	Exceptional	Strong	Exceptional	Mediocre*	$1,388Credit	0.247%Below	497
10	Guaranteed Rate Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	Sound* Est.	$1,463Fees	0.025%Above	222
11	STAR ONE Credit Union Credit UnionDirect	Strong	Exceptional	Strong	Sound	Strong	Sound* Est.	$61Fees	0.559%Below	44
12	BMO Bank National Association BankDirect	Strong	Strong	Strong	Sound	Exceptional	Sound* Est.	$931Credit	0.100%Below	281
13	First-Citizens Bank & Trust Company BankDirect	Strong	Sound	Strong	Sound	Strong	Sound* Est.	$51Fees	0.240%Below	146
14	Bank of America BankDirectDoesn't respond	Strong	Strong	Exceptional	Strong	Exceptional	Mediocre*	$747Credit	0.327%Below	515
15	loanDepot Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	Sound* Est.	$1,682Fees	0.085%Above	68
16	Ameris Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	Sound* Est.	$1,143Fees	0.105%Below	63
17	Citibank BankDirectDoesn't respond	Strong	Exceptional	Exceptional	Sound	Exceptional	Mediocre*	$2,285Credit	0.306%Below	383
18	Redwood Credit UnionDirect	Strong	Sound	Strong	Strong	Exceptional	Sound* Est.	$802Fees	0.354%Above	186
19	CrossCountry Mortgage Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	Sound* Est.	$2,678Fees	0.268%Above	143
20	Charles Schwab Bank BankWholesale	Strong	Sound*	Strong	Strong	Strong	Sound* Est.	$605Fees	0.305%Below	109
21	NMSI Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Exceptional	Strong	Sound* Est.	$3,475Fees	0.011%Above	45
22	Rocket Mortgage Independent Mortgage CompanyDirect & WholesaleDoesn't respond	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	Mediocre*	$2,408Fees	0.101%Above	646
23	Citizens Bank BankDirect	Strong	Strong	Exceptional	Sound	Sound	Sound* Est.	$695Credit	0.512%Below	18
24	Amwest Funding Independent Mortgage CompanyWholesale	Strong	—	Strong	Sound	Strong	Sound* Est.	—	—	107
25	Amerihome Mortgage Company Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	Strong	Sound* Est.	$515Fees	0.079%Above	77
26	Flagstar Bank BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	Sound* Est.	$2,264Fees	0.156%Above	45
27	Barrington Bank & Trust Company BankDirect	Strong	Sound	Exceptional	Strong	Sound	Sound* Est.	$1,998Fees	0.096%Above	35
28	San Francisco Federal Credit Union Credit UnionDirect	Strong	Exceptional	Acceptable	Sound	Strong	Sound* Est.	$1,456Fees	0.701%Below	45
29	San Mateo Credit Union Credit UnionDirect	Strong	Exceptional	Acceptable	Sound	Strong	Sound* Est.	$85Credit	0.555%Below	42
30	CMG Mortgage Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	Sound* Est.	$2,738Fees	0.130%Above	25
31	Guild Mortgage Company Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	Sound* Est.	$5,269Fees	0.472%Above	25
32	Bay Equity Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Sound	Sound* Est.	$1,692Fees	0.144%Above	25
33	New American Funding Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Strong	Sound* Est.	$2,315Fees	0.391%Above	77
34	American Pacific Mortgage Corporation Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	Sound* Est.	$2,578Fees	0.381%Above	70
35	STANFORD Federal Credit Union Credit UnionDirect	Sound	Strong	Sound	Sound	Strong	Sound* Est.	$551Fees	0.354%Below	67
36	PrimeLending Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	Sound* Est.	$3,329Fees	0.178%Above	22
37	Provident Credit Union Credit UnionDirectDoesn't respond	Sound	Exceptional	Sound	Sound	Strong	Acceptable*	$731Fees	0.814%Below	38
38	The Golden 1 Credit UnionDirect	Sound	Sound	Strong	Sound	Strong	Sound* Est.	$1,488Credit	0.156%Below	47
39	NexBank BankWholesale	Sound	Sound*	Strong	Strong	Sound	Sound* Est.	$67Fees	0.143%Above	19
40	Guaranteed Rate Affinity Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Strong	Sound* Est.	$1,308Fees	0.250%Above	76
41	National Cooperative Bank BankDirect	Sound	Sound	Sound	Sound	Strong	Sound* Est.	$1,467Fees	0.042%Below	65
42	PennyMac Loan Services Independent Mortgage CompanyDirect & WholesaleDoesn't respond	Sound	Sound*	Exceptional	Sound	Strong	Acceptable*	$1,399Fees	0.150%Above	53
43	Patelco Credit Union Credit UnionDirect	Sound	Strong	Sound	Sound	Strong	Sound* Est.	$857Fees	0.346%Below	36
44	Mason Mcduffie Mortgage Corporation Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Sound	Sound* Est.	$2,414Fees	0.233%Above	34
45	NewRez Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	Sound	Sound* Est.	$1,177Fees	0.421%Above	25
46	Kind Lending Independent Mortgage CompanyWholesale	Sound	Acceptable*	Exceptional	Strong	Sound	Sound* Est.	$2,076Fees	0.532%Above	21
47	NBKC Bank BankDirectDoesn't respond	Sound	Exceptional	Strong	Sound	Sound	Mediocre*	$148Fees	0.193%Below	20
48	Navy Federal Credit Union Credit UnionDirectDoesn't respond	Sound	Exceptional	Exceptional	Sound	Sound	Mediocre*	$135Fees	0.728%Below	18
49	Provident Funding Associates Independent Mortgage CompanyWholesaleDoesn't respond	Sound	Exceptional*	Exceptional	Sound	Sound	Mediocre*	$986Credit	0.231%Below	29
50	The Loan Store Independent Mortgage CompanyWholesaleDoesn't respond	Sound	Acceptable*	Exceptional	Strong	Strong	Mediocre*	$971Fees	0.174%Above	79

Frequently Asked Questions

How are mortgage lenders ranked in San Francisco?+

Safe Rate ranks lenders using the 5 Ps framework. Four are derived from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in San Francisco), and Product (performance on specific loan types). The fifth, Promptness, is behavioral: it credits lenders who answer real shopper quote requests quickly. Lenders with no measured requests yet are counted at an estimated 50. Each lender receives a composite Safe Rate Score from 0 to 100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across the 5 P's: Pricing, Pullthrough, Place, Product, and Promptness. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. Four of the P's are calculated from verified HMDA data and Promptness from real shopper quote requests — no lender can pay to improve their position.

How many mortgage lenders are active in San Francisco?+

Based on 2024 HMDA data, 85 lenders originated a combined 8,087 loans in San Francisco. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in San Francisco?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in San Francisco is 0.08%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In San Francisco's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.