Home purchase lenders in San Francisco County
4,180 home purchase mortgages were made in San Francisco County, California, in 2025, by 306 lenders. The median rate their borrowers got was 6.250% on a median loan of $905,000. Of 4,624 decisions, 345 were denials — 7.5%, most often for collateral.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| JPMorgan Chase Bank, National Association | 402 | 6.125% | $1,005,000 | 9.9% |
| REDWOOD | 338 | 6.125% | $895,000 | 1.5% |
| Wells Fargo Bank, National Association | 335 | 5.750% | $1,195,000 | 6.4% |
| U.S. Bank National Association | 218 | 6.000% | $815,000 | 9.0% |
| Rocket Mortgage, LLC | 197 | 6.500% | $805,000 | 10.8% |
| Bank of America, National Association | 169 | 5.750% | $1,035,000 | 17.8% |
| Citibank, National Association | 154 | 5.875% | $1,065,000 | 4.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 142 | 6.537% | $805,000 | 12.7% |
| First-Citizens Bank & Trust Company | 132 | 5.313% | $220,000 | 1.5% |
| GUARANTEED RATE, INC. | 113 | 6.475% | $775,000 | 2.5% |
| OriginPoint, LLC | 81 | 6.750% | $1,055,000 | 3.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 80 | 6.750% | $855,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 74 | 5.675% | $1,255,000 | 1.3% |
| General Mortgage Capital Corporation | 74 | 6.625% | $755,000 | 1.3% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 73 | 5.905% | $975,000 | 2.6% |
| NATIONAL COOPERATIVE BANK, N.A. | 65 | 6.375% | $655,000 | 0.0% |
| Citizens Bank, National Association | 53 | 5.590% | $2,085,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 52 | 6.688% | $660,000 | 8.8% |
| East West Bank | 49 | 6.500% | $725,000 | 3.6% |
| PNC Bank, National Association | 49 | 6.125% | $945,000 | 13.6% |
| Charles Schwab Bank, SSB | 48 | 5.375% | $1,250,000 | 9.3% |
| Mechanics Bank | 48 | 0.000% | $35,000 | 5.9% |
| AMWEST FUNDING CORP. | 43 | 6.750% | $785,000 | 2.3% |
| PENNYMAC LOAN SERVICES, LLC | 40 | 6.625% | $1,030,000 | 27.3% |
| CONVENTUS LLC | 38 | 9.750% | $1,085,000 | 0.0% |
| Broker Solutions, Inc. | 34 | 6.688% | $780,000 | 8.1% |
| GUARANTEED RATE AFFINITY, LLC | 31 | 6.550% | $925,000 | 3.1% |
| Kiavi Funding, Inc. | 29 | 9.450% | $1,245,000 | 16.7% |
| NEW WAVE LENDING GROUP INC | 27 | 7.125% | $805,000 | 0.0% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 27 | 5.875% | $915,000 | 0.0% |
| STANFORD Federal Credit Union | 25 | 6.250% | $805,000 | 0.0% |
| THE GOLDEN 1 | 22 | 6.063% | $855,000 | 4.4% |
| CMG MORTGAGE, INC. | 20 | 6.563% | $915,000 | 0.0% |
| BMO Bank National Association | 19 | 6.000% | $1,780,000 | 20.8% |
| CIBC Bank USA | 19 | 6.625% | $275,000 | 9.5% |
| GUILD MORTGAGE COMPANY | 18 | 6.750% | $585,000 | 0.0% |
| Citadel Servicing Corporation | 18 | 7.125% | $895,000 | 0.0% |
| THE LOAN STORE, INC. | 16 | 6.495% | $585,000 | 0.0% |
| LENNAR MORTGAGE, LLC | 16 | 4.990% | $560,000 | 0.0% |
| MERIWEST | 16 | 6.813% | $365,000 | 0.0% |
| Fidelity Lending Solutions, Inc. | 16 | 6.875% | $705,000 | 0.0% |
| NMSI, INC. | 16 | 6.813% | $760,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 15 | 7.250% | $945,000 | 6.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 15 | 6.750% | $1,085,000 | 11.8% |
| TRAVIS CREDIT UNION | 15 | 5.750% | $1,305,000 | 0.0% |
| Loandepot.Com, LLC | 14 | 6.475% | $905,000 | 0.0% |
| Fremont Bank | 14 | 6.750% | $625,000 | 12.5% |
| SAN FRANCISCO FIRE CREDIT UNION | 14 | Not published | $660,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 13 | 7.000% | $605,000 | 7.1% |
| NEXERA HOLDING LLC | 13 | 6.875% | $1,095,000 | 7.1% |
| City National Bank | 13 | 5.390% | $1,405,000 | 7.1% |
| GOOGAIN, INC. | 13 | 6.375% | $655,000 | 0.0% |
| Ameris Bank | 13 | 6.490% | $695,000 | 0.0% |
| Navy Federal Credit Union | 11 | 6.625% | $825,000 | 25.0% |
| Tri Counties Bank | 11 | 6.375% | $1,425,000 | 8.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 11 | 6.625% | $745,000 | 0.0% |
| First Bridge Funding, Inc. | 11 | 9.990% | $685,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 10 | 6.750% | $720,000 | 16.7% |
| AMERITRUST MORTGAGE CORPORATION | 10 | 6.875% | $730,000 | 0.0% |
| Patelco Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| SIRVA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 9 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 55.6% |
| NEWREZ LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Cathay Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Provident Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ADVANCIAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Sierra Pacific Mortgage Company, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Marin | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Synergy One Lending, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| 5TH STREET CAPITAL, INC. | 6 | Under 10 loans | Under 10 loans | 10.0% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ENVOY MORTGAGE, LTD | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Zions Bancorporation, N.A. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 9845007CY0EC0F59W414 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| T. J. FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Comerica Bank | 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% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Savings Bank, F.S.B. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| San Mateo Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Goldman Sachs Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hingham Institution for Savings, The | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Preferred Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EMET LENDING GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Arixa Enhanced Income Fund, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Amalgamated Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VALLEY STRONG CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FREEDOM MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HERITAGE COMMUNITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of the Orient | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Genesis Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900T8N4RLS6G3BF64 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TECHNOLOGY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Royal Business Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL COAST LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USC Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Abundance 99, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Operating Engineers Local Union #3 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BANK OF STOCKTON | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIERRA CENTRAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Crystal Lake Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5493000620E7C8WJN859 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INFINITY EQUITY GROUP, LLC. | 1 | 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 106 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.