Safe Rate Rankings
Best Mortgage Companie Lenders in San Francisco
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!
San Francisco Market Insights
- Googain is Safe Rate's top-ranked mortgage company in San Francisco, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
- There is often a pricing vs. pullthrough tradeoff in mortgage lending. In San Francisco, Provident Funding Associates LP and Googain scores highest on pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
- United Wholesale Mortgage (UWM) ranks #2 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.
- Rocket Mortgage ranks #3 in San Francisco, the nation's largest lender by volume.
Explore Rankings by Type
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action | |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GOOGAIN, INC. Independent Mortgage CompanyDirect | Strong | Exceptional | Exceptional | Strong | $447Credit | 0.093%Below | 62 | ||
2 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Exceptional | $1,785Fees | 0.078%Above | 614 | ||
3 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $2,408Fees | 0.101%Above | 646 | ||
 Verified Broker Partner Eric BernsteinLendFriend · NMLS #1486987 Eric is a verified Safe Rate partner and licensed broker who actively works with ROCKET MORTGAGE, LLC. Also approved with: THE LOAN STORE, INC. (#10), PENNYMAC LOAN SERVICES, LLC (#11), CMG MORTGAGE, INC. (#14), KIND LENDING, LLC (#22), NEWREZ LLC (#28) | ||||||||||
4 | General Mortgage Capital Corporation Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $889Fees | 0.073%Above | 146 | ||
5 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $1,463Fees | 0.025%Above | 222 | ||
6 | PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale | Strong | Exceptional* | Sound | Sound | $986Credit | 0.231%Below | 29 | ||
7 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,682Fees | 0.085%Above | 68 | ||
8 | AMWEST FUNDING CORP. Independent Mortgage CompanyWholesale | Strong | — | Strong | Strong | — | — | 107 | ||
9 | NMSI, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Exceptional | Strong | $3,475Fees | 0.011%Above | 45 | ||
10 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Strong | $971Fees | 0.174%Above | 79 | ||
Verified Broker Partner Eric BernsteinLendFriend · NMLS #1486987 Eric is a verified Safe Rate partner and licensed broker who actively works with THE LOAN STORE, INC.. Also approved with: ROCKET MORTGAGE, LLC (#3), PENNYMAC LOAN SERVICES, LLC (#11), CMG MORTGAGE, INC. (#14), KIND LENDING, LLC (#22), NEWREZ LLC (#28) | ||||||||||
11 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,399Fees | 0.150%Above | 53 | ||
Verified Broker Partner Eric BernsteinLendFriend · NMLS #1486987 Eric is a verified Safe Rate partner and licensed broker who actively works with PENNYMAC LOAN SERVICES, LLC. Also approved with: ROCKET MORTGAGE, LLC (#3), THE LOAN STORE, INC. (#10), CMG MORTGAGE, INC. (#14), KIND LENDING, LLC (#22), NEWREZ LLC (#28) | ||||||||||
12 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $2,678Fees | 0.268%Above | 143 | ||
13 | AMERIHOME MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Sound* | Sound | Strong | $515Fees | 0.079%Above | 77 | ||
14 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Sound | $2,738Fees | 0.130%Above | 25 | ||
Verified Broker Partner Eric BernsteinLendFriend · NMLS #1486987 Eric is a verified Safe Rate partner and licensed broker who actively works with CMG MORTGAGE, INC.. Also approved with: ROCKET MORTGAGE, LLC (#3), THE LOAN STORE, INC. (#10), PENNYMAC LOAN SERVICES, LLC (#11), KIND LENDING, LLC (#22), NEWREZ LLC (#28) | ||||||||||
15 | GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $1,308Fees | 0.250%Above | 76 | ||
16 | AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Sound | Mediocre | Exceptional | Strong | $2,578Fees | 0.381%Above | 70 | ||
17 | RESICENTRAL, LLC Independent Mortgage CompanyWholesale | Sound | Sound* | Sound | Sound | $1,342Fees | 0.140%Above | 25 | ||
18 | OriginPoint, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Sound | Strong | $2,258Fees | 0.134%Above | 98 | ||
19 | BAY EQUITY LLC Independent Mortgage CompanyDirect | Sound | Sound | Strong | Sound | $1,692Fees | 0.144%Above | 25 | ||
20 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Sound | $5,269Fees | 0.472%Above | 25 | ||
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Sound | $3,329Fees | 0.178%Above | 22 | ||
22 | KIND LENDING, LLC Independent Mortgage CompanyWholesale | Sound | Acceptable* | Strong | Sound | $2,076Fees | 0.532%Above | 21 | ||
Verified Broker Partner Eric BernsteinLendFriend · NMLS #1486987 Eric is a verified Safe Rate partner and licensed broker who actively works with KIND LENDING, LLC. Also approved with: ROCKET MORTGAGE, LLC (#3), THE LOAN STORE, INC. (#10), PENNYMAC LOAN SERVICES, LLC (#11), CMG MORTGAGE, INC. (#14), NEWREZ LLC (#28) | ||||||||||
23 | Commerce Home Mortgage, Inc. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | Strong | $1,866Fees | 0.308%Above | 58 | ||
24 | EVERETT FINANCIAL, INC. Independent Mortgage CompanyDirect | Sound | Mediocre | Exceptional | Sound | $5,110Fees | 0.579%Above | 47 | ||
25 | NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Sound | Strong | $2,315Fees | 0.391%Above | 77 | ||
26 | NEW WAVE LENDING GROUP INC Independent Mortgage CompanyDirect & Wholesale | Sound | Mediocre* | Strong | Strong | $2,094Fees | 0.929%Above | 51 | ||
27 | MASON MCDUFFIE MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Sound | Acceptable | Sound | Sound | $2,414Fees | 0.233%Above | 34 | ||
28 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Sound | Sound | $1,177Fees | 0.421%Above | 25 | ||
Verified Broker Partner Eric BernsteinLendFriend · NMLS #1486987 Eric is a verified Safe Rate partner and licensed broker who actively works with NEWREZ LLC. Also approved with: ROCKET MORTGAGE, LLC (#3), THE LOAN STORE, INC. (#10), PENNYMAC LOAN SERVICES, LLC (#11), CMG MORTGAGE, INC. (#14), KIND LENDING, LLC (#22) | ||||||||||
29 | NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Sound | $5,489Fees | 0.394%Above | 20 | ||
30 | AMERITRUST MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Sound | Mediocre* | Sound | Sound | $2,496Fees | 0.433%Above | 33 | ||
❓ Frequently Asked Questions
How are mortgage lenders ranked in San Francisco?+−
Safe Rate ranks lenders using the 4 Ps framework, derived entirely 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). Each lender receives a composite Safe Rate Score from 0–100. 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 Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — 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 a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
Our Point System (Max 30 Points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate 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.