Safe Rate Rankings

Best Conventional Mortgage Bank 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 Lenders19

Total Loans8,087

Median Rate Spread0.08%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	Exceptional	$2,285Credit	0.306%Below	383
2	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$747Credit	0.327%Below	515
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,388Credit	0.247%Below	497
4	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$647Credit	0.015%Above	209
5	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$133Credit	0.279%Below	750
6	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Strong	$345Fees	0.544%Below	152
7	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,864Fees	0.015%Below	545
8	HSBC BANK USA, NATIONAL ASSOCIATIONBank	Exceptional	Strong	Strong	Sound	Exceptional	$1,231Credit	0.196%Below	283
9	BMO Bank National AssociationBank	Exceptional	Strong	Strong	Sound	Exceptional	$931Credit	0.100%Below	281
10	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$148Fees	0.193%Below	20
11	Ameris BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,143Fees	0.105%Below	63
12	Citizens Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$695Credit	0.512%Below	18
13	Charles Schwab Bank, SSBBank	Strong	Sound	Strong	Strong	Strong	$605Fees	0.305%Below	109
14	Barrington Bank & Trust Company, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,998Fees	0.096%Above	35
15	First-Citizens Bank & Trust CompanyBank	Strong	Sound	Strong	Sound	Strong	$51Fees	0.240%Below	146
16	NexBankBank	Strong	Sound	Strong	Strong	Sound	$67Fees	0.143%Above	19
17	NATIONAL COOPERATIVE BANK, N.A.Bank	Strong	Sound	Sound	Sound	Strong	$1,467Fees	0.042%Below	65
18	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,264Fees	0.156%Above	45
19	Fremont BankBank	Strong	Sound	Sound	Sound	Sound	$264Fees	0.336%Above	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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.