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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in San Francisco
Updated February 5, 2026
Market Overview
85
Total Lenders
8,087
Total Loans
0.08%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | GOOGAIN, INC. | Exceptional | Exceptional | Exceptional | Strong | -$447 | -0.093% | 62 | |
2 | Citibank, National Association | Exceptional | Exceptional | Sound | Exceptional | -$2,285 | -0.306% | 383 | |
3 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $345 | -0.544% | 152 | |
4 | STAR ONE Credit Union | Exceptional | Exceptional | Strong | Strong | $61 | -0.559% | 44 | |
5 | Provident Credit Union | Exceptional | Exceptional | Strong | Strong | $731 | -0.814% | 38 | |
6 | Bank of America, National Association | Exceptional | Strong | Strong | Exceptional | -$747 | -0.327% | 515 | |
7 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | -$1,388 | -0.247% | 497 | |
8 | HSBC BANK USA, NATIONAL ASSOCIATION | Exceptional | Strong | Strong | Exceptional | -$1,231 | -0.196% | 283 | |
9 | PNC Bank, National Association | Exceptional | Strong | Strong | Exceptional | -$647 | +0.015% | 209 | |
10 | San Mateo Credit Union | Exceptional | Exceptional | Sound | Strong | -$85 | -0.555% | 42 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | -$133 | -0.279% | 750 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,785 | +0.078% | 614 | |
13 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Strong | $51 | -0.240% | 146 | |
14 | SAN FRANCISCO FEDERAL CREDIT UNION | Strong | Exceptional | Acceptable | Strong | $1,456 | -0.701% | 45 | |
15 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | -$986 | -0.231% | 29 | |
16 | NBKC BANK | Strong | Exceptional | Sound | Sound | $148 | -0.193% | 20 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,864 | -0.015% | 545 | |
18 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $1,463 | +0.025% | 222 | |
19 | REDWOOD | Strong | Sound | Strong | Exceptional | $802 | +0.354% | 186 | |
20 | General Mortgage Capital Corporation | Strong | Sound | Strong | Exceptional | $889 | +0.073% | 146 | |
21 | Ameris Bank | Strong | Sound | Exceptional | Strong | $1,143 | -0.105% | 63 | |
22 | Patelco Credit Union | Strong | Strong | Sound | Strong | $857 | -0.346% | 36 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,408 | +0.101% | 646 | |
24 | BMO Bank National Association | Strong | Sound | Sound | Exceptional | -$931 | -0.100% | 281 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $1,682 | +0.085% | 68 | |
26 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,399 | +0.150% | 53 | |
27 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $515 | +0.079% | 77 | |
28 | STANFORD Federal Credit Union | Strong | Sound | Sound | Strong | $551 | -0.354% | 67 | |
29 | NATIONAL COOPERATIVE BANK, N.A. | Strong | Sound | Sound | Strong | $1,467 | -0.042% | 65 | |
30 | THE GOLDEN 1 | Strong | Sound | Sound | Strong | -$1,488 | -0.156% | 47 | |
31 | NMSI, INC. | Strong | Acceptable | Exceptional | Strong | $3,475 | +0.011% | 45 | |
32 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $1,692 | +0.144% | 25 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,678 | +0.268% | 143 | |
34 | Charles Schwab Bank, SSB | Strong | Acceptable | Strong | Strong | $605 | -0.305% | 109 | |
35 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $971 | +0.174% | 79 | |
36 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $1,308 | +0.250% | 76 | |
37 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Strong | Strong | $1,866 | +0.308% | 58 | |
38 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $5,269 | +0.472% | 25 | |
39 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,738 | +0.130% | 25 | |
40 | RESICENTRAL, LLC | Strong | Sound | Sound | Sound | $1,342 | +0.140% | 25 | |
41 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $3,329 | +0.178% | 22 | |
42 | OriginPoint, LLC | Sound | Acceptable | Sound | Strong | $2,258 | +0.134% | 98 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,315 | +0.391% | 77 | |
44 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $2,578 | +0.381% | 70 | |
45 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $2,264 | +0.156% | 45 | |
46 | Barrington Bank & Trust Company, National Association | Sound | Acceptable | Strong | Sound | $1,998 | +0.096% | 35 | |
47 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $2,076 | +0.532% | 21 | |
48 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $5,489 | +0.394% | 20 | |
49 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Acceptable | Sound | Sound | $2,414 | +0.233% | 34 | |
50 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $1,177 | +0.421% | 25 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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