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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 Company Lenders in San Francisco
Updated February 5, 2026
Market Overview
33
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 | GOOGAIN, INC. | Exceptional | Exceptional | Strong | Exceptional | Strong | -$447 | -0.093% | 62 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | -$986 | -0.231% | 29 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,408 | +0.101% | 646 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,785 | +0.078% | 614 | |
5 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | Exceptional | $889 | +0.073% | 146 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,682 | +0.085% | 68 | |
7 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,463 | +0.025% | 222 | |
8 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $515 | +0.079% | 77 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,399 | +0.150% | 53 | |
10 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $1,692 | +0.144% | 25 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,678 | +0.268% | 143 | |
12 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $971 | +0.174% | 79 | |
13 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $1,866 | +0.308% | 58 | |
14 | NMSI, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $3,475 | +0.011% | 45 | |
15 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,315 | +0.391% | 77 | |
16 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,308 | +0.250% | 76 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,269 | +0.472% | 25 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,738 | +0.130% | 25 | |
19 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Sound | $1,342 | +0.140% | 25 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $3,329 | +0.178% | 22 | |
21 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,076 | +0.532% | 21 | |
22 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,489 | +0.394% | 20 | |
23 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $5,257 | +0.350% | 18 | |
24 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Sound | $3,289 | +0.276% | 18 | |
25 | OriginPoint, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,258 | +0.134% | 98 | |
26 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $2,578 | +0.381% | 70 | |
27 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $2,414 | +0.233% | 34 | |
28 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,177 | +0.421% | 25 | |
29 | NEW WAVE LENDING GROUP INC | Sound | Mediocre | Strong | Strong | Strong | $2,094 | +0.929% | 51 | |
30 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $5,110 | +0.579% | 47 | |
31 | AAA CAPITAL INVESTMENT, INC. | Sound | Acceptable | Strong | Sound | Sound | $3,275 | +0.278% | 19 | |
32 | AMERITRUST MORTGAGE CORPORATION | Sound | Mediocre | Sound | Acceptable | 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 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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