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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 Jumbo 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 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$133 | -0.279% | 750 | |
2 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$747 | -0.327% | 515 | |
3 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$1,388 | -0.247% | 497 | |
4 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$2,285 | -0.306% | 383 | |
5 | HSBC BANK USA, NATIONAL ASSOCIATION | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$1,231 | -0.196% | 283 | |
6 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $345 | -0.544% | 152 | |
7 | STAR ONE Credit Union | Exceptional | Exceptional | Exceptional | Strong | Strong | $61 | -0.559% | 44 | |
8 | Provident Credit Union | Exceptional | Exceptional | Strong | Exceptional | Strong | $731 | -0.814% | 38 | |
9 | Patelco Credit Union | Exceptional | Exceptional | Exceptional | Strong | Strong | $857 | -0.346% | 36 | |
10 | BMO Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$931 | -0.100% | 281 | |
11 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,463 | +0.025% | 222 | |
12 | SAN FRANCISCO FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Strong | Strong | $1,456 | -0.701% | 45 | |
13 | San Mateo Credit Union | Exceptional | Exceptional | Strong | Strong | Strong | -$85 | -0.555% | 42 | |
14 | REDWOOD | Exceptional | Strong | Strong | Strong | Exceptional | $802 | +0.354% | 186 | |
15 | First-Citizens Bank & Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $51 | -0.240% | 146 | |
16 | THE GOLDEN 1 | Exceptional | Strong | Exceptional | Strong | Strong | -$1,488 | -0.156% | 47 | |
17 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,408 | +0.101% | 646 | |
18 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,785 | +0.078% | 614 | |
19 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,864 | -0.015% | 545 | |
20 | PNC Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | -$647 | +0.015% | 209 | |
21 | Charles Schwab Bank, SSB | Exceptional | Sound | Exceptional | Exceptional | Strong | $605 | -0.305% | 109 | |
22 | AMERIHOME MORTGAGE COMPANY, LLC | Exceptional | Strong | Strong | Strong | Strong | $515 | +0.079% | 77 | |
23 | STANFORD Federal Credit Union | Exceptional | Strong | Strong | Strong | Strong | $551 | -0.354% | 67 | |
24 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | -$695 | -0.512% | 18 | |
25 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,399 | +0.150% | 53 | |
26 | OriginPoint, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,258 | +0.134% | 98 | |
27 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,308 | +0.250% | 76 | |
28 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,682 | +0.085% | 68 | |
29 | Barrington Bank & Trust Company, National Association | Strong | Strong | Strong | Sound | Sound | $1,998 | +0.096% | 35 | |
30 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,738 | +0.130% | 25 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,678 | +0.268% | 143 | |
32 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $971 | +0.174% | 79 | |
33 | General Mortgage Capital Corporation | Strong | Acceptable | Strong | Sound | Exceptional | $889 | +0.073% | 146 | |
34 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,315 | +0.391% | 77 | |
35 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Sound | $3,289 | +0.276% | 18 | |
36 | NEW WAVE LENDING GROUP INC | Strong | Mediocre | Exceptional | Strong | Strong | $2,094 | +0.929% | 51 | |
37 | Fremont Bank | Strong | Acceptable | Strong | Strong | Sound | $264 | +0.336% | 23 | |
38 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | Strong | $2,578 | +0.381% | 70 | |
39 | Commerce Home Mortgage, Inc. | Sound | Mediocre | Exceptional | Sound | Strong | $1,866 | +0.308% | 58 | |
40 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | Sound | $2,414 | +0.233% | 34 | |
41 | BAY EQUITY LLC | Sound | Acceptable | Strong | Sound | Sound | $1,692 | +0.144% | 25 | |
42 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Sound | Sound | $5,110 | +0.579% | 47 | |
43 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Sound | $2,264 | +0.156% | 45 |
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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