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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 Conventional Mortgage Bank Lenders in San Francisco
Updated February 5, 2026
Market Overview
19
Total Lenders
8,087
Total Loans
0.08%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Exceptional | -$2,285 | -0.306% | 383 | |
2 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$747 | -0.327% | 515 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$1,388 | -0.247% | 497 | |
4 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$647 | +0.015% | 209 | |
5 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | -$133 | -0.279% | 750 | |
6 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $345 | -0.544% | 152 | |
7 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,864 | -0.015% | 545 | |
8 | HSBC BANK USA, NATIONAL ASSOCIATION | Exceptional | Strong | Strong | Sound | Exceptional | -$1,231 | -0.196% | 283 | |
9 | BMO Bank National Association | Exceptional | Strong | Strong | Sound | Exceptional | -$931 | -0.100% | 281 | |
10 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $148 | -0.193% | 20 | |
11 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $1,143 | -0.105% | 63 | |
12 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | -$695 | -0.512% | 18 | |
13 | Charles Schwab Bank, SSB | Strong | Sound | Strong | Strong | Strong | $605 | -0.305% | 109 | |
14 | Barrington Bank & Trust Company, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,998 | +0.096% | 35 | |
15 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Strong | $51 | -0.240% | 146 | |
16 | NexBank | Strong | Sound | Strong | Strong | Sound | $67 | +0.143% | 19 | |
17 | NATIONAL COOPERATIVE BANK, N.A. | Strong | Sound | Sound | Sound | Strong | $1,467 | -0.042% | 65 | |
18 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,264 | +0.156% | 45 | |
19 | Fremont Bank | Strong | Sound | Sound | Sound | Sound | $264 | +0.336% | 23 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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