Safe Rate Rankings

Best Mortgage Lenders in San Francisco

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ 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%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	GOOGAIN, INC.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Strong	$447Credit	0.093%Below	62
2	Citibank, National AssociationBank	Exceptional	Exceptional	Sound	Exceptional	$2,285Credit	0.306%Below	383
3	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	$345Fees	0.544%Below	152
4	STAR ONE Credit UnionCredit Union	Exceptional	Exceptional	Strong	Strong	$61Fees	0.559%Below	44
5	Provident Credit UnionCredit Union	Exceptional	Exceptional	Strong	Strong	$731Fees	0.814%Below	38
6	Bank of America, National AssociationBank	Exceptional	Strong	Strong	Exceptional	$747Credit	0.327%Below	515
7	U.S. Bank National AssociationBank	Exceptional	Strong	Strong	Exceptional	$1,388Credit	0.247%Below	497
8	HSBC BANK USA, NATIONAL ASSOCIATIONBank	Exceptional	Strong	Strong	Exceptional	$1,231Credit	0.196%Below	283
9	PNC Bank, National AssociationBank	Exceptional	Strong	Strong	Exceptional	$647Credit	0.015%Above	209
10	San Mateo Credit UnionCredit Union	Exceptional	Exceptional	Sound	Strong	$85Credit	0.555%Below	42
11	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Exceptional	$133Credit	0.279%Below	750
12	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,785Fees	0.078%Above	614
13	First-Citizens Bank & Trust CompanyBank	Strong	Strong	Strong	Strong	$51Fees	0.240%Below	146
14	SAN FRANCISCO FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Acceptable	Strong	$1,456Fees	0.701%Below	45
15	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Strong	Exceptional	Sound	Sound	$986Credit	0.231%Below	29
16	NBKC BANKBank	Strong	Exceptional	Sound	Sound	$148Fees	0.193%Below	20
17	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$1,864Fees	0.015%Below	545
18	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,463Fees	0.025%Above	222
19	REDWOODCredit Union	Strong	Sound	Strong	Exceptional	$802Fees	0.354%Above	186
20	General Mortgage Capital CorporationIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$889Fees	0.073%Above	146
21	Ameris BankBank	Strong	Sound	Exceptional	Strong	$1,143Fees	0.105%Below	63
22	Patelco Credit UnionCredit Union	Strong	Strong	Sound	Strong	$857Fees	0.346%Below	36
23	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,408Fees	0.101%Above	646
24	BMO Bank National AssociationBank	Strong	Sound	Sound	Exceptional	$931Credit	0.100%Below	281
25	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,682Fees	0.085%Above	68
26	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,399Fees	0.150%Above	53
27	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$515Fees	0.079%Above	77
28	STANFORD Federal Credit UnionCredit Union	Strong	Sound	Sound	Strong	$551Fees	0.354%Below	67
29	NATIONAL COOPERATIVE BANK, N.A.Bank	Strong	Sound	Sound	Strong	$1,467Fees	0.042%Below	65
30	THE GOLDEN 1Credit Union	Strong	Sound	Sound	Strong	$1,488Credit	0.156%Below	47
31	NMSI, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,475Fees	0.011%Above	45
32	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,692Fees	0.144%Above	25
33	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,678Fees	0.268%Above	143
34	Charles Schwab Bank, SSBBank	Strong	Acceptable	Strong	Strong	$605Fees	0.305%Below	109
35	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$971Fees	0.174%Above	79
36	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,308Fees	0.250%Above	76
37	Commerce Home Mortgage, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,866Fees	0.308%Above	58
38	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$5,269Fees	0.472%Above	25
39	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,738Fees	0.130%Above	25
40	RESICENTRAL, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$1,342Fees	0.140%Above	25
41	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,329Fees	0.178%Above	22
42	OriginPoint, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,258Fees	0.134%Above	98
43	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,315Fees	0.391%Above	77
44	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$2,578Fees	0.381%Above	70
45	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$2,264Fees	0.156%Above	45
46	Barrington Bank & Trust Company, National AssociationBank	Sound	Acceptable	Strong	Sound	$1,998Fees	0.096%Above	35
47	KIND LENDING, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,076Fees	0.532%Above	21
48	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$5,489Fees	0.394%Above	20
49	MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,414Fees	0.233%Above	34
50	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$1,177Fees	0.421%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.