Safe Rate Rankings

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

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.