Safe Rate Rankings

Best Conventional Mortgage Company 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 Lenders33

Total Loans8,087

Median Rate Spread0.08%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	GOOGAIN, INC.Independent Mortgage Company	Exceptional	Exceptional	Strong	Exceptional	Strong	$447Credit	0.093%Below	62
2	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$986Credit	0.231%Below	29
3	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,408Fees	0.101%Above	646
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,785Fees	0.078%Above	614
5	General Mortgage Capital CorporationIndependent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$889Fees	0.073%Above	146
6	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,682Fees	0.085%Above	68
7	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,463Fees	0.025%Above	222
8	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$515Fees	0.079%Above	77
9	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,399Fees	0.150%Above	53
10	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,692Fees	0.144%Above	25
11	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,678Fees	0.268%Above	143
12	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$971Fees	0.174%Above	79
13	Commerce Home Mortgage, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,866Fees	0.308%Above	58
14	NMSI, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Strong	$3,475Fees	0.011%Above	45
15	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,315Fees	0.391%Above	77
16	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$1,308Fees	0.250%Above	76
17	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,269Fees	0.472%Above	25
18	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,738Fees	0.130%Above	25
19	RESICENTRAL, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$1,342Fees	0.140%Above	25
20	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,329Fees	0.178%Above	22
21	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,076Fees	0.532%Above	21
22	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,489Fees	0.394%Above	20
23	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,257Fees	0.350%Above	18
24	STG MORTGAGE INCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$3,289Fees	0.276%Above	18
25	OriginPoint, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,258Fees	0.134%Above	98
26	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$2,578Fees	0.381%Above	70
27	MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,414Fees	0.233%Above	34
28	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,177Fees	0.421%Above	25
29	NEW WAVE LENDING GROUP INCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$2,094Fees	0.929%Above	51
30	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$5,110Fees	0.579%Above	47
31	AAA CAPITAL INVESTMENT, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$3,275Fees	0.278%Above	19
32	AMERITRUST MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Sound	Acceptable	Sound	$2,496Fees	0.433%Above	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 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.