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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 Mortgage Company Lenders in San Francisco
Updated February 5, 2026
Market Overview
30
Total Lenders
3,333
Total Loans
0.29%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | GOOGAIN, INC. | Exceptional | Exceptional | Exceptional | Strong | -$447 | -0.093% | 62 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,785 | +0.078% | 614 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | -$986 | -0.231% | 29 | |
4 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $1,463 | +0.025% | 222 | |
5 | General Mortgage Capital Corporation | Strong | Sound | Strong | Exceptional | $889 | +0.073% | 146 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,408 | +0.101% | 646 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $1,682 | +0.085% | 68 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,399 | +0.150% | 53 | |
9 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $515 | +0.079% | 77 | |
10 | NMSI, INC. | Strong | Acceptable | Exceptional | Strong | $3,475 | +0.011% | 45 | |
11 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $1,692 | +0.144% | 25 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,678 | +0.268% | 143 | |
13 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $971 | +0.174% | 79 | |
14 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $1,308 | +0.250% | 76 | |
15 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Strong | Strong | $1,866 | +0.308% | 58 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $5,269 | +0.472% | 25 | |
17 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,738 | +0.130% | 25 | |
18 | RESICENTRAL, LLC | Strong | Sound | Sound | Sound | $1,342 | +0.140% | 25 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $3,329 | +0.178% | 22 | |
20 | OriginPoint, LLC | Sound | Acceptable | Sound | Strong | $2,258 | +0.134% | 98 | |
21 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,315 | +0.391% | 77 | |
22 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $2,578 | +0.381% | 70 | |
23 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $2,076 | +0.532% | 21 | |
24 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $5,489 | +0.394% | 20 | |
25 | NEW WAVE LENDING GROUP INC | Sound | Mediocre | Strong | Strong | $2,094 | +0.929% | 51 | |
26 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Sound | $5,110 | +0.579% | 47 | |
27 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Acceptable | Sound | Sound | $2,414 | +0.233% | 34 | |
28 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $1,177 | +0.421% | 25 | |
29 | AMERITRUST MORTGAGE CORPORATION | Sound | Mediocre | Sound | Sound | $2,496 | +0.433% | 33 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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