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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 Lenders in San Rafael
Updated February 5, 2026
Market Overview
29
Total Lenders
1,476
Total Loans
-0.02%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $220 | -0.544% | 44 | |
2 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | -$515 | -0.209% | 92 | |
3 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | -$1,390 | -0.318% | 32 | |
4 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | -$318 | -0.303% | 200 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,814 | +0.064% | 136 | |
6 | Bank of America, National Association | Strong | Strong | Strong | Strong | -$436 | -0.385% | 63 | |
7 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$235 | -0.027% | 32 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,366 | +0.044% | 137 | |
9 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,601 | +0.119% | 62 | |
10 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,987 | -0.059% | 60 | |
11 | REDWOOD | Strong | Sound | Strong | Strong | $230 | -0.055% | 38 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,931 | +0.379% | 97 | |
13 | BMO Bank National Association | Strong | Sound | Sound | Strong | -$756 | -0.064% | 51 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | -$107 | +0.163% | 21 | |
15 | Charles Schwab Bank, SSB | Strong | Acceptable | Strong | Strong | $579 | -0.364% | 43 | |
16 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,552 | +0.110% | 40 | |
17 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $3,975 | +0.262% | 66 | |
18 | OriginPoint, LLC | Sound | Acceptable | Sound | Strong | $3,121 | +0.307% | 41 | |
19 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $4,711 | +0.512% | 39 | |
20 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Acceptable | Sound | Strong | $3,105 | +0.386% | 36 | |
21 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $1,534 | -0.016% | 22 | |
22 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $1,054 | +0.298% | 27 | |
23 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,853 | +0.432% | 20 |
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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