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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 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Exceptional | -$2,285 | -0.306% | 383 | |
2 | GOOGAIN, INC. | Exceptional | Exceptional | Strong | Exceptional | Strong | -$447 | -0.093% | 62 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$747 | -0.327% | 515 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$1,388 | -0.247% | 497 | |
5 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$647 | +0.015% | 209 | |
6 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | -$133 | -0.279% | 750 | |
7 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $345 | -0.544% | 152 | |
8 | STAR ONE Credit Union | Exceptional | Exceptional | Strong | Sound | Strong | $61 | -0.559% | 44 | |
9 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | -$986 | -0.231% | 29 | |
10 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $135 | -0.728% | 18 | |
11 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,864 | -0.015% | 545 | |
12 | HSBC BANK USA, NATIONAL ASSOCIATION | Exceptional | Strong | Strong | Sound | Exceptional | -$1,231 | -0.196% | 283 | |
13 | BMO Bank National Association | Exceptional | Strong | Strong | Sound | Exceptional | -$931 | -0.100% | 281 | |
14 | Provident Credit Union | Exceptional | Exceptional | Sound | Sound | Strong | $731 | -0.814% | 38 | |
15 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $148 | -0.193% | 20 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,408 | +0.101% | 646 | |
17 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,785 | +0.078% | 614 | |
18 | REDWOOD | Strong | Sound | Strong | Strong | Exceptional | $802 | +0.354% | 186 | |
19 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | Exceptional | $889 | +0.073% | 146 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,682 | +0.085% | 68 | |
21 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $1,143 | -0.105% | 63 | |
22 | SAN FRANCISCO FEDERAL CREDIT UNION | Strong | Exceptional | Acceptable | Sound | Strong | $1,456 | -0.701% | 45 | |
23 | San Mateo Credit Union | Strong | Exceptional | Acceptable | Sound | Strong | -$85 | -0.555% | 42 | |
24 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | -$695 | -0.512% | 18 | |
25 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,463 | +0.025% | 222 | |
26 | Charles Schwab Bank, SSB | Strong | Sound | Strong | Strong | Strong | $605 | -0.305% | 109 | |
27 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $515 | +0.079% | 77 | |
28 | STANFORD Federal Credit Union | Strong | Strong | Sound | Sound | Strong | $551 | -0.354% | 67 | |
29 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,399 | +0.150% | 53 | |
30 | Patelco Credit Union | Strong | Strong | Sound | Sound | Strong | $857 | -0.346% | 36 | |
31 | Barrington Bank & Trust Company, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,998 | +0.096% | 35 | |
32 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $1,692 | +0.144% | 25 | |
33 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Strong | $51 | -0.240% | 146 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,678 | +0.268% | 143 | |
35 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $971 | +0.174% | 79 | |
36 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $1,866 | +0.308% | 58 | |
37 | THE GOLDEN 1 | Strong | Sound | Strong | Sound | Strong | -$1,488 | -0.156% | 47 | |
38 | NMSI, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $3,475 | +0.011% | 45 | |
39 | NexBank | Strong | Sound | Strong | Strong | Sound | $67 | +0.143% | 19 | |
40 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,315 | +0.391% | 77 | |
41 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,308 | +0.250% | 76 | |
42 | NATIONAL COOPERATIVE BANK, N.A. | Strong | Sound | Sound | Sound | Strong | $1,467 | -0.042% | 65 | |
43 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,264 | +0.156% | 45 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,269 | +0.472% | 25 | |
45 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,738 | +0.130% | 25 | |
46 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Sound | $1,342 | +0.140% | 25 | |
47 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $3,329 | +0.178% | 22 | |
48 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,076 | +0.532% | 21 | |
49 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,489 | +0.394% | 20 | |
50 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $5,257 | +0.350% | 18 |
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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