Mortgage lenders in San Francisco County
8,060 mortgages were made in San Francisco County, California, in 2025, by 426 lenders. The median rate their borrowers got was 6.375% on a median loan of $805,000. Of 10,127 decisions, 1,662 were denials — 16.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| JPMorgan Chase Bank, National Association | 687 | 6.125% | $1,055,000 | 9.9% |
| Bank of America, National Association | 508 | 5.990% | $555,000 | 30.0% |
| Wells Fargo Bank, National Association | 472 | 5.750% | $1,150,000 | 8.1% |
| U.S. Bank National Association | 413 | 6.000% | $845,000 | 20.7% |
| Rocket Mortgage, LLC | 405 | 6.500% | $665,000 | 19.9% |
| REDWOOD | 399 | 6.250% | $835,000 | 5.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 335 | 6.500% | $755,000 | 13.6% |
| Citibank, National Association | 266 | 5.750% | $1,095,000 | 12.1% |
| GUARANTEED RATE, INC. | 167 | 6.500% | $785,000 | 5.0% |
| Morgan Stanley Private Bank, National Association | 144 | 5.700% | $1,105,000 | 2.0% |
| First-Citizens Bank & Trust Company | 141 | 5.375% | $245,000 | 1.4% |
| East West Bank | 136 | 6.500% | $605,000 | 9.5% |
| General Mortgage Capital Corporation | 130 | 6.624% | $705,000 | 0.8% |
| Citizens Bank, National Association | 126 | 5.700% | $2,005,000 | 2.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 122 | 6.750% | $855,000 | 2.3% |
| Charles Schwab Bank, SSB | 108 | 5.450% | $1,255,000 | 9.2% |
| OriginPoint, LLC | 97 | 6.750% | $1,055,000 | 4.0% |
| AMWEST FUNDING CORP. | 93 | 6.625% | $725,000 | 4.1% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 91 | 5.945% | $940,000 | 4.2% |
| PENNYMAC LOAN SERVICES, LLC | 81 | 6.624% | $1,015,000 | 27.2% |
| PNC Bank, National Association | 80 | 6.063% | $815,000 | 23.2% |
| NATIONAL COOPERATIVE BANK, N.A. | 77 | 6.375% | $655,000 | 1.3% |
| BMO Bank National Association | 74 | 6.875% | $805,000 | 49.3% |
| THE GOLDEN 1 | 73 | 7.000% | $455,000 | 37.5% |
| SAN FRANCISCO FIRE CREDIT UNION | 68 | Not published | $205,000 | 7.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 66 | 6.750% | $710,000 | 10.8% |
| Patelco Credit Union | 64 | 8.000% | $255,000 | 20.7% |
| Broker Solutions, Inc. | 59 | 6.750% | $755,000 | 12.9% |
| Fremont Bank | 55 | 8.000% | $345,000 | 39.8% |
| CONVENTUS LLC | 55 | 9.750% | $1,185,000 | 0.0% |
| Mechanics Bank | 52 | 0.000% | $35,000 | 7.1% |
| STANFORD Federal Credit Union | 51 | 6.875% | $505,000 | 6.8% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 51 | 5.875% | $1,005,000 | 5.5% |
| GUARANTEED RATE AFFINITY, LLC | 47 | 6.500% | $925,000 | 2.1% |
| FIGURE LENDING LLC | 44 | 8.400% | $145,000 | 28.4% |
| Loandepot.Com, LLC | 44 | 6.600% | $635,000 | 22.4% |
| THE LOAN STORE, INC. | 44 | 6.875% | $575,000 | 10.0% |
| NEW WAVE LENDING GROUP INC | 42 | 7.000% | $805,000 | 0.0% |
| NEWREZ LLC | 40 | 6.563% | $685,000 | 25.0% |
| GOOGAIN, INC. | 40 | 6.375% | $610,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 38 | 8.063% | $395,000 | 30.4% |
| Kiavi Funding, Inc. | 31 | 9.450% | $1,235,000 | 18.0% |
| Third Federal Savings and Loan Association of Cleveland | 31 | 6.990% | $255,000 | 28.9% |
| City National Bank | 31 | 5.440% | $1,215,000 | 22.0% |
| Ameris Bank | 31 | 6.125% | $705,000 | 6.1% |
| Citadel Servicing Corporation | 31 | 7.000% | $855,000 | 0.0% |
| NEXERA HOLDING LLC | 29 | 7.250% | $1,065,000 | 6.5% |
| FINANCE OF AMERICA REVERSE LLC | 29 | 8.990% | $665,000 | 6.1% |
| Commerce Home Mortgage, Inc. | 28 | 7.250% | $955,000 | 6.7% |
| GUILD MORTGAGE COMPANY | 28 | 6.750% | $500,000 | 5.6% |
| NMSI, INC. | 28 | 6.688% | $790,000 | 0.0% |
| Tri Counties Bank | 27 | 6.375% | $845,000 | 25.0% |
| QUORUM FEDERAL CREDIT UNION | 27 | 8.125% | $405,000 | 26.8% |
| CMG MORTGAGE, INC. | 27 | 6.625% | $885,000 | 3.3% |
| SPRING EQ, LLC | 26 | 7.962% | $195,000 | 66.3% |
| NATIONSTAR MORTGAGE LLC | 25 | 6.625% | $545,000 | 21.9% |
| Fidelity Lending Solutions, Inc. | 25 | 6.875% | $675,000 | 0.0% |
| TRAVIS CREDIT UNION | 25 | 5.875% | $1,205,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 23 | 7.000% | $605,000 | 8.0% |
| MERIWEST | 23 | 6.875% | $325,000 | 11.5% |
| Navy Federal Credit Union | 22 | 7.125% | $565,000 | 32.4% |
| Goldman Sachs Bank USA | 22 | 5.700% | $1,505,000 | 7.4% |
| Zions Bancorporation, N.A. | 21 | 6.250% | $505,000 | 36.6% |
| Flagstar Bank, N.A. | 21 | 5.875% | $835,000 | 40.0% |
| Bank of Marin | 21 | Not published | $595,000 | 12.5% |
| STAR ONE Credit Union | 20 | 5.875% | $755,000 | 13.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 20 | 6.688% | $1,085,000 | 9.1% |
| RESICENTRAL, LLC | 20 | 6.563% | $785,000 | 4.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 19 | 7.190% | $305,000 | 20.8% |
| ALLIANT CREDIT UNION | 19 | 7.750% | $255,000 | 42.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 19 | 10.250% | $275,000 | 13.6% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 19 | 6.625% | $785,000 | 0.0% |
| UBS Bank USA | 19 | 5.875% | $2,390,000 | 0.0% |
| CIBC Bank USA | 19 | 6.625% | $275,000 | 9.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 18 | 5.998% | $765,000 | 12.5% |
| OCMBC, INC. | 18 | 6.999% | $805,000 | 13.8% |
| NexBank | 18 | 6.438% | $930,000 | 17.4% |
| TECHNOLOGY CREDIT UNION | 18 | 6.563% | $550,000 | 9.5% |
| Coastal Community Bank | 17 | 9.240% | $105,000 | 2.9% |
| Comerica Bank | 17 | 6.240% | $475,000 | 34.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 17 | 6.250% | $505,000 | 32.0% |
| A&D Mortgage LLC | 17 | 5.990% | $695,000 | 14.3% |
| First Bridge Funding, Inc. | 17 | 9.990% | $665,000 | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 16 | 6.875% | $785,000 | 0.0% |
| KIND LENDING, LLC | 16 | 6.688% | $630,000 | 18.2% |
| LENNAR MORTGAGE, LLC | 16 | 4.990% | $560,000 | 0.0% |
| Cathay Bank | 16 | 6.438% | $800,000 | 10.0% |
| Stifel Bank and Trust | 16 | 5.813% | $680,000 | 10.5% |
| HOMEXPRESS MORTGAGE CORP. | 15 | 6.875% | $745,000 | 34.8% |
| Provident Credit Union | 15 | 5.875% | $745,000 | 6.3% |
| San Mateo Credit Union | 14 | 7.750% | $315,000 | 33.3% |
| AMERITRUST MORTGAGE CORPORATION | 14 | 6.875% | $880,000 | 6.7% |
| LONGBRIDGE FINANCIAL, LLC | 14 | 7.933% | $645,000 | 20.0% |
| Bethpage Federal Credit Union | 13 | 6.490% | $505,000 | 51.7% |
| CHAMPIONS FUNDING, LLC | 13 | 7.999% | $965,000 | 13.3% |
| USALLIANCE FEDERAL CREDIT UNION | 12 | 8.250% | $305,000 | 7.7% |
| PENTAGON FEDERAL CREDIT UNION | 11 | 7.625% | $255,000 | 52.2% |
| FREEDOM MORTGAGE CORPORATION | 11 | 6.125% | $795,000 | 8.3% |
| Fairway Independent Mortgage Corporation | 11 | 6.625% | $625,000 | 0.0% |
| ARC HOME LLC | 11 | 7.250% | $975,000 | 15.4% |
| Vellum Mortgage, Inc. | 11 | 6.500% | $865,000 | 8.3% |
| Sierra Pacific Mortgage Company, Inc. | 11 | 6.750% | $605,000 | 0.0% |
| AmeriSave Mortgage Corporation | 10 | 8.063% | $155,000 | 78.9% |
| Synergy One Lending, Inc. | 10 | 6.688% | $1,495,000 | 16.7% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.375% | $700,000 | 9.1% |
| Cornerstone First Mortgage, Inc | 10 | 6.813% | $620,000 | 0.0% |
| Loan Funder LLC | 10 | 10.240% | $1,485,000 | 16.7% |
| 5TH STREET CAPITAL, INC. | 10 | 7.313% | $780,000 | 6.3% |
| Umpqua Bank | 10 | 7.625% | $830,000 | 23.1% |
| CAKE MORTGAGE CORP. | 10 | 7.495% | $960,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 10 | 7.313% | $740,000 | 0.0% |
| CLEAREDGE LENDING LLC | 10 | 7.062% | $1,220,000 | 9.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| SIRVA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 27.3% |
| STG MORTGAGE INC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 14.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| JMAC LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| THE POLICE Credit Union | 8 | Under 10 loans | Under 10 loans | 18.2% |
| First Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC SERVICE CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Barrington Bank & Trust Company, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| T. J. FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Archwest Funding | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 82.9% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 45.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Arixa Enhanced Income Fund, L.P. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| KEYPOINT Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 62.5% |
| BAY EQUITY LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HomeTrust Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Provident Savings Bank, F.S.B. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CHEVRON Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Bank of the Orient | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Raymond James Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Northern Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 4 | Under 10 loans | Under 10 loans | 66.7% |
| LUXURY MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Axos Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| FlexPoint, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Farmers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hingham Institution for Savings, The | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTH RIVER MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Preferred Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| North American Savings Bank, F.S.B. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 66.7% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| BAY-VALLEY MORTGAGE GROUP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Amalgamated Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Partners Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VALLEY STRONG CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Watermark Capital, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Leader Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 9845005BP6974AE5D838 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| North Coast Financial, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 226 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in San Francisco County
195 FDIC-insured branches from 46 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
20 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Bank of America, National Association, 445 Powell St, San Francisco
- CIBC Bank USA, 101 Second Street, San Francisco
- Citibank, National Association, 1 Market St, San Francisco
- Citibank, National Association, 260 California St, San Francisco
- Comerica Bank, 1 Embarcadero Ctr, San Francisco
- East West Bank, 1301 Noriega St, San Francisco
- EverBank, National Association, 1122 Taraval St, San Francisco
- EverBank, National Association, 2045 Van Ness Ave, San Francisco
- EverBank, National Association, 825 Irving St, San Francisco
- Heritage Bank of Commerce, 120 Kearny Street, Suite 2300, One Montgomery Tower, San Francisco
- JPMorgan Chase Bank, National Association, 1500 Polk St, San Francisco
- JPMorgan Chase Bank, National Association, 3981 Alemany Blvd, San Francisco
- Preferred Bank, 5160 Geary Blvd, San Francisco
- Tri Counties Bank, 699 Portola Dr, San Francisco
- U.S. Bank National Association, 750 Font Blvd Bldg C, San Francisco
- United Business Bank, 2 Harrison St, San Francisco
- Wells Fargo Bank, National Association, 1183 Ocean Ave, San Francisco
- Wells Fargo Bank, National Association, 460 Sutter St, San Francisco
- Wells Fargo Bank, National Association, 464 California St, San Francisco
- Westamerica Bank, 343 Sansome St, Ste 120, San Francisco
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When the next year’s lending figures are out for San Francisco County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.