Safe Rate Rankings

Best Jumbo 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 Lenders21

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	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,463Fees	0.025%Above	222
2	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,408Fees	0.101%Above	646
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,785Fees	0.078%Above	614
4	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Exceptional	Strong	Strong	Strong	Strong	$515Fees	0.079%Above	77
5	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,399Fees	0.150%Above	53
6	OriginPoint, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,258Fees	0.134%Above	98
7	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,308Fees	0.250%Above	76
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,682Fees	0.085%Above	68
9	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,738Fees	0.130%Above	25
10	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,678Fees	0.268%Above	143
11	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$971Fees	0.174%Above	79
12	General Mortgage Capital CorporationIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$889Fees	0.073%Above	146
13	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,315Fees	0.391%Above	77
14	STG MORTGAGE INCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$3,289Fees	0.276%Above	18
15	NEW WAVE LENDING GROUP INCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$2,094Fees	0.929%Above	51
16	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$2,578Fees	0.381%Above	70
17	Commerce Home Mortgage, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$1,866Fees	0.308%Above	58
18	MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,414Fees	0.233%Above	34
19	BAY EQUITY LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$1,692Fees	0.144%Above	25
20	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$5,110Fees	0.579%Above	47

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.