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Mortgage Lenders and Brokers in San Francisco, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

San Francisco, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1088 Stockton St, San Francisco, CA 94108A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1183 Ocean Ave, San Francisco, CA 94112A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.3473 California St, San Francisco, CA 94118A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA1 Market St, San Francisco, CA 94105A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA350 Rhode Island St Ste 140n, San Francisco, CA 94103A+5.0 ★Texas Ratio: 2.82%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust255 Battery St, San Francisco, CA 94111A5.0 ★Texas Ratio: 7.72%, Hsbc Bank USA, NAHsbc Bank USA, NA601 Montgomery St, San Francisco, CA 94111A+5.0 ★Texas Ratio: 4.86%, San Francisco Fire Credit UnionSan Francisco Fire Credit Union3201 California St, San Francisco, CA 94118 1903A+5.0 ★Texas Ratio: 3.32%, Citizens Bank, NACitizens Bank, NA101 California St, San Francisco, CA 94111A+5.0 ★Texas Ratio: 5.44%, and Mechanics BankMechanics Bank343 Sansome St, San Francisco, CA 94104A+5.0 ★Texas Ratio: 1.81%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in San Francisco, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in San Francisco are listed first, then lenders elsewhere in California, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in San Francisco, California

Market share is the lender's share of all home loans closed in San Francisco, California. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
JPMorgan Chase Bank, NA 32 offices in San Francisco 1088 Stockton St, San Francisco, CA 94108 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, Jumbo, HELOC	500 +18 HELOCs	8.3%	89.8%	$1,176,520	View
Wells Fargo Bank NA 29 offices in San Francisco 1183 Ocean Ave, San Francisco, CA 94112 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	470	7.8%	92%	$1,360,914	View
US Bank, N.A. 10 offices in San Francisco 3473 California St, San Francisco, CA 94118 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	360 +29 HELOCs	6%	88.1%	$966,833	View
Bank of America NA 26 offices in San Francisco 1 Market St, San Francisco, CA 94105 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, Jumbo, HELOC	262 +231 HELOCs	4.4%	88.6%	$1,273,931	View
Citibank, NA 19 offices in San Francisco 350 Rhode Island St Ste 140n, San Francisco, CA 94103 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	231 +29 HELOCs	3.8%	96%	$1,386,904	View
First Ciitizens Bank and Trust 1 office in San Francisco 255 Battery St, San Francisco, CA 94111 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo, HELOC	137 +3 HELOCs	2.3%	98.6%	$521,715	View
Hsbc Bank USA, NA 1 office in San Francisco 601 Montgomery St, San Francisco, CA 94111 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo, HELOC	80 +2 HELOCs	1.3%	98.8%	$1,232,875	View
San Francisco Fire Credit Union 3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32%	Conventional, Jumbo	68	1.1%	92.7%	$320,147	View
Citizens Bank, NA 2 offices in San Francisco 101 California St, San Francisco, CA 94111 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	51 +15 HELOCs	0.8%	100%	$2,918,333	View
Mechanics Bank 1 office in San Francisco 343 Sansome St, San Francisco, CA 94104 A+5.0 ★Texas Ratio: 1.81%	Conventional, Jumbo, HELOC	47 +3 HELOCs	0.8%	94%	$332,872	View
San Francisco Federal Credit Union 770 Golden Gate Ave, San Francisco, CA 94102 3120 A+5.0 ★Texas Ratio: 0.53%	Conventional, Jumbo	43	0.7%	95.7%	$1,057,093	View
BMO Harris Bank NA 9 offices in San Francisco 2299 Market St, San Francisco, CA 94114 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	39 +34 HELOCs	0.6%	70.9%	$1,616,794	View
East West Bank 9 offices in San Francisco 1318 Stockton St, San Francisco, CA 94133 A+5.0 ★Texas Ratio: 2.84%	Conventional, HELOC	37 +37 HELOCs	0.6%	88.4%	$652,837	View
City National Bank 1 office in San Francisco 50 Fremont St, San Francisco, CA 94105 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo, HELOC	27 +1 HELOCs	0.4%	84.8%	$1,277,222	View
Bank of Marin ★ 2 stars, 1 review 1 office in San Francisco 345 California St, San Francisco, CA 94104 A+5.0 ★Texas Ratio: 2.03%	Conventional, Jumbo	18	0.3%	85.7%	$581,111	View
Flagstar Bank NA 1 office in San Francisco 300 California St, San Francisco, CA 94104 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo, HELOC	16 +5 HELOCs	0.3%	55.2%	$1,187,500	View
Fremont Bank 1 office in San Francisco 200 Townsend St, San Francisco, CA 94107 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo, HELOC	12 +29 HELOCs	0.2%	57.1%	$670,000	View
Zions Bancorporation, N.A. 3 offices in San Francisco 100 Pine St, San Francisco, CA 94111 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	10 +10 HELOCs	0.2%	93.8%	$1,422,000	View
Cathay Bank 3 offices in San Francisco 540 Montgomery St, San Francisco, CA 94111 A+5.0 ★Texas Ratio: 4.57%	Conventional	9	0.1%	100%	$707,222	View
Tri Counties Bank 2 offices in San Francisco 2197 Chestnut St, San Francisco, CA 94123 A+5.0 ★Texas Ratio: 5.34%	Conventional, Jumbo, HELOC	8 +11 HELOCs	0.1%	88.9%	$1,720,000	View
Bny Mellon, N.A. 1 office in San Francisco 101 2nd St, San Francisco, CA 94105 A+5.0 ★Texas Ratio: 0.37%	Conventional, Jumbo	5	0.1%	83.3%	$1,149,000	View
The Northern Trust Co 1 office in San Francisco 580 California St, San Francisco, CA 94104 A4.7 ★Texas Ratio: 0.83%	Conventional, Jumbo	5	0.1%	100%	$1,027,000	View
Preferred Bank 2 offices in San Francisco 600 California St, San Francisco, CA 94108 A5.0 ★Texas Ratio: 12.84%	Conventional	4	0.1%	80%	$715,000	View
Columbia Bank 1 office in San Francisco 450 Sansome St, San Francisco, CA 94111 A+5.0 ★Texas Ratio: 2.28%	Conventional, Jumbo, HELOC	3 +7 HELOCs	0%	100%	$1,245,000	View
Bank of the Orient 1023 Stockton St, San Francisco, CA 94108 A-5.0 ★Texas Ratio: 15.57%	Conventional, Jumbo	3	0%	100%	$1,238,333	View
Amalgamated Bank 1 office in San Francisco 255 California St Ste 600, San Francisco, CA 94111 A5.0 ★Texas Ratio: 11.81%	Conventional	3	0%	100%	$341,666	View
Five Star Bank 1 office in San Francisco 345 California Street, San Francisco, CA 94104 A+5.0 ★Texas Ratio: 2.53%	Conventional	1	0%	100%	$1,055,000	View
Fifth Third Bank, National Association 1 office in San Francisco 1 Embarcadero Ctr, San Francisco, CA 94111 A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0%	100%	$565,000	View
First Bank 2 offices in San Francisco 1000 Taraval St, San Francisco, CA 94116 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +7 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +43 HELOCs	0%	n/a
Redwood Credit Union 1390 Market St, San Francisco, CA 94102 A+5.0 ★Texas Ratio: 4.20%	Conventional, Jumbo, HELOC	350 +44 HELOCs	5.8%	96.2%	$966,228	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	58 +17 HELOCs	1%	87%	$1,184,310	View
The Golden 1 Credit Union 1560 3rd St Ste B, San Francisco, CA 94158 2349 A+5.0 ★Texas Ratio: 5.50%	Conventional, FHA, Jumbo, HELOC	30 +36 HELOCs	0.5%	93.8%	$946,333	View
Patelco Credit Union 124 2nd St, San Francisco, CA 94105 A5.0 ★Texas Ratio: 6.65%	Conventional, Jumbo, HELOC	27 +37 HELOCs	0.4%	87.5%	$512,777	View
Stanford Federal Credit Union 1860 Embarcadero Rd, Palo Alto, CA 94303 3335 A+5.0 ★Texas Ratio: 1.30%	Conventional, Jumbo, HELOC	27 +24 HELOCs	0.4%	96.7%	$897,962	View
Travis Credit Union 5819 Lone Tree Way, Antioch, CA 94531 A+5.0 ★Texas Ratio: 4.51%	Conventional, Jumbo	24	0.4%	100%	$1,262,500	View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	Conventional, Jumbo, HELOC	20 +2 HELOCs	0.3%	100%	$720,500	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	19	0.3%	95%	$1,047,105	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional, Jumbo	19	0.3%	79.2%	$545,000	View
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional, Jumbo, HELOC	16 +2 HELOCs	0.3%	90.9%	$969,375	View
Technology Credit Union 1449 Mission St, San Francisco, CA 94103 2510 A+5.0 ★Texas Ratio: 3.57%	Conventional, Jumbo, HELOC	10 +8 HELOCs	0.2%	91.7%	$944,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, Jumbo	10	0.2%	83.3%	$1,445,000
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional	8	0.1%	84.6%	$532,500	View
Provident Credit Union 701 Sacramento St, San Francisco, CA 94108 2504 A+5.0 ★Texas Ratio: 0.49%	Conventional, Jumbo, HELOC	6 +4 HELOCs	0.1%	85.7%	$970,000	View
Monterra Credit Union 415 Westlake Ctr, Daly City, CA 94015 1432 A+5.0 ★Texas Ratio: 2.93%	Conventional, HELOC	5 +8 HELOCs	0.1%	71.4%	$963,000	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional, HELOC	5 +2 HELOCs	0.1%	83.3%	$165,000	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional, Jumbo, HELOC	3 +2 HELOCs	0%	100%	$1,558,333	View
MidFirst Bank 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0%	100%	$1,498,333	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	3 +1 HELOCs	0%	60%	$518,333	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	Conventional, HELOC	2 +4 HELOCs	0%	100%	$280,000	View
Valley Strong Credit Union 8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0%	66.7%	$1,290,000	View
Provident Savings Bank, F.S.B. 350 E Hobsonway, Blythe, CA 92225 A+5.0 ★Texas Ratio: 0.42%	Conventional	2	0%	66.7%	$705,000	View
Heritage Community Credit Union 5329 Sunrise Blvd, Fair Oaks, CA 95628 3539 A+5.0 ★Texas Ratio: 5.95%	Conventional	2	0%	100%	$675,000	View
Usc Credit Union 3720 S Flower St FL 4, Los Angeles, CA 90089 A+5.0 ★Texas Ratio: 5.49%	Conventional	2	0%	100%	$755,000	View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	Conventional, Jumbo, HELOC	1 +3 HELOCs	0%	100%	$1,805,000	View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$145,000	View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$755,000	View
River City Bank 5650 Sunrise Blvd, Citrus Heights, CA 95610 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	50%	$565,000	View
Royal Business Bank 901 S Baldwin Ave, Arcadia, CA 91007 A5.0 ★Texas Ratio: 7.57%	Conventional	1	0%	100%	$745,000	View
Sierra Central Credit Union 5026 Rhonda Rd, Anderson, CA 96007 A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0%	100%	$655,000	View
Los Angeles Police FCU 1880 Academy Dr, Los Angeles, CA 90012 1001 A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0%	100%	$1,025,000	View
Central Coast Lending, Inc. 510 Canal St Ste R, King City, CA 93930 3443	Conventional	1	0%	100%	$1,045,000	View
First Entertainment CU 2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47%	Conventional	1	0%	100%	$1,445,000	View
1st Northern California Credit Union 560 1st St Ste B106, Benicia, CA 94510 3579 A+5.0 ★Texas Ratio: 0.12%	Conventional	1	0%	50%	$505,000	View
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional	1	0%	100%	$855,000	View
Ilwu Federal Credit Union 400 N Point St, San Francisco, CA 94133 A5.0 ★Texas Ratio: 6.01%	Conventional	1	0%	100%	$405,000	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	Conventional	1	0%	50%	$955,000	View
Blupeak Credit Union 2350 Shattuck Ave, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.86%	Conventional	1	0%	100%	$735,000	View
Exchange Bank 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 4.05%	Conventional	1	0%	100%	$655,000	View
Certified Federal Credit Union 200 N Puente St, Brea, CA 92821 3824 A+5.0 ★Texas Ratio: 1.07%	Conventional	1	0%	100%	$1,005,000	View
Bank of Stockton 229 S Main St, Angels Camp, CA 95222 A+5.0 ★Texas Ratio: 0.21%	Conventional	1	0%	100%	$505,000	View
Woori America Bank 5731 Beach Blvd, Buena Park, CA 90621 A5.0 ★Texas Ratio: 11.01%	Conventional	1	0%	100%	$495,000	View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	HELOC	0 +3 HELOCs	0%	n/a		View
Sea West Coast Gurad FCU Coast Guard Island, Alameda, CA 94501 5100	HELOC	0 +2 HELOCs	0%	n/a
Wescom Central Credit Union ★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66%	HELOC	0 +2 HELOCs	0%	n/a		View
Mirastar Federal Credit Union 1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21%	HELOC	0 +1 HELOCs	0%	n/a		View
1st UNITED CREDIT UNION 2680 5th St Ste A, Alameda, CA 94501 A+5.0 ★Texas Ratio: 1.28%	HELOC	0 +1 HELOCs	0%	n/a		View
General Mortgage Capital Corporation	Conventional, Jumbo	115	1.9%	99.1%	$716,478
AmWest Funding Corp	Conventional, Jumbo, HELOC	83 +6 HELOCs	1.4%	96.5%	$784,277
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	70	1.2%	73.5%	$1,013,142
New American Funding, LLC.	Conventional, FHA, Jumbo, HELOC	55 +3 HELOCs	0.9%	91.7%	$787,727
American Pacific Mortgage Corporation	Conventional, FHA, VA, Jumbo	54	0.9%	90%	$835,000
New Wave Lending Group Inc	Conventional, Jumbo	42	0.7%	100%	$832,857
Googain, Inc.	Conventional, Jumbo	40	0.7%	100%	$692,250
loanDepot.com LLC	Conventional, FHA, Jumbo, HELOC	38 +2 HELOCs	0.6%	81.2%	$743,421
Nmsi, Inc.	Conventional, Jumbo	28	0.5%	100%	$845,357
Nexera Holding LLC	Conventional, Jumbo	26	0.4%	96.3%	$1,220,384
Citadel Servicing Corporation	Conventional, Jumbo	24	0.4%	100%	$982,500
Guild Mortgage Company	Conventional, FHA, Jumbo	19	0.3%	92.3%	$660,263
AmeriHome Mortgage Company, LLC	Conventional, Jumbo	18	0.3%	90%	$1,061,666
Resicentral LLC	Conventional	14	0.2%	93.8%	$832,857
Fidelity Lending Solutions Inc	Conventional, Jumbo	13	0.2%	100%	$709,615
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, Jumbo	13	0.2%	85%	$950,384	View
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	11	0.2%	100%	$655,000
5Th Sreet Capital Inc.	Conventional, Jumbo	10	0.2%	93.8%	$853,000
Cornerstone First Mortgage, LLC	Conventional, Jumbo	9	0.1%	100%	$732,777
Kind Lending, LLC	Conventional, VA	9	0.1%	91.7%	$607,222
AAA Capital Investment, Inc	Conventional, Jumbo	8	0.1%	100%	$885,000
Stg Mortgage Inc	Conventional, Jumbo	8	0.1%	100%	$876,250
The Police Credit Union of California	Conventional	8	0.1%	81.8%	$390,000
ClearEdge Lending LLC	Conventional, Jumbo	8	0.1%	88.9%	$1,353,750
Paramount Residential Mortgage	Conventional, FHA, Jumbo	8	0.1%	88.9%	$648,750
Mason-McDuffie Mortgage Corporation	Conventional, Jumbo	8	0.1%	80%	$1,203,750
T. J. Financial, Inc.	Conventional	7	0.1%	100%	$779,285
Provident Funding Associates	Conventional	6	0.1%	54.5%	$461,666
Lendsure Mortgage Corp.	Conventional, Jumbo	6	0.1%	100%	$1,251,666
Emet Lending Group, Inc.	Conventional	6	0.1%	100%	$663,333
Zillow Home Loans, LLC	Conventional	6	0.1%	100%	$883,333
Cake Mortgage Corp.	Conventional, Jumbo	6	0.1%	100%	$1,490,000
Bridgeway Lending Partners, LLC	Conventional	5	0.1%	100%	$607,000
American Financial Network, Inc.	Conventional, Jumbo	4	0.1%	80%	$1,482,500
Royal Pacific Funding	Conventional, Jumbo	4	0.1%	80%	$857,500
Flexpoint, Inc.	Conventional, VA	4	0.1%	100%	$602,500
Greenbox Loans	Conventional, HELOC	3 +1 HELOCs	0%	75%	$958,333
Fundloans Capital	Conventional, Jumbo	3	0%	100%	$1,168,333
Bay-Valley Mortgage Group	Conventional	3	0%	100%	$458,333
HomeXpress Mortgage Corp.	Conventional, Jumbo	3	0%	50%	$995,000
JMJ Financial Group Inc.	Conventional	3	0%	100%	$898,333
Franklin Loan Corporation	Conventional	3	0%	100%	$628,333
JMAC Lending, Inc.	Conventional, Jumbo	3	0%	75%	$1,888,333
MortgageOne, Inc	Conventional	2	0%	100%	$795,000
Watermark Capital, Inc.	Conventional	2	0%	66.7%	$705,000
Home Mortgage Alliance Corp (Hmac)	Conventional	2	0%	66.7%	$325,000
AdvantageFirst Lending Inc	Conventional	2	0%	100%	$345,000
Redwood Residential Acquisition Corporation	Conventional	2	0%	100%	$1,105,000
Calcon Mutual Mortgage LLC	Conventional	2	0%	40%	$895,000
Mission Loans, LLC	Conventional	2	0%	100%	$210,000
Coastal Funding SLC, Inc.	Conventional	2	0%	100%	$615,000
Vista Point Mortgage, LLC	Conventional, Jumbo	2	0%	100%	$755,000
Alameda Mortgage Corporation	Conventional, Jumbo	1	0%	100%	$2,005,000
Infinity Equity Group, Inc.	Conventional	1	0%	100%	$305,000
Golden Empire Mortgage, Inc.	Conventional	1	0%	100%	$685,000
Mortgage Capital Partners, INC	Conventional	1	0%	100%	$1,365,000
Habitfactory USA Inc dba Loaning AI	Conventional	1	0%	100%	$645,000
PFN Lending Group, Inc.	Conventional, Jumbo	1	0%	100%	$2,885,000
First Stardand Financial dba Nexcap Home Loans	Conventional	1	0%	100%	$715,000
Victoria Financial Corp	Conventional	1	0%	100%	$805,000
JSB Mortgage Corporation	Conventional	1	0%	100%	$905,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$105,000	View
Generations Home Loans, LLC	Conventional	1	0%	100%	$625,000
Intelliloan, Inc.	Conventional	1	0%	100%	$725,000
SnapFi, Inc.	Conventional	1	0%	100%	$355,000
Geo-Corp, Inc.	Conventional	1	0%	100%	$205,000
Summit Funding.Inc	Conventional	1	0%	100%	$425,000
Operating Engineers Federal Credit Union	Conventional	1	0%	100%	$1,195,000
Plaza Home Mortgage, Inc	VA	1	0%	12.5%	$855,000
Arcstone Financial Inc	Conventional	1	0%	100%	$555,000
Griffin Funding Inc.	Conventional, Jumbo	1	0%	100%	$1,225,000
Financial Partners Credit Unio	HELOC	0 +2 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA, Jumbo, HELOC	402 +3 HELOCs	6.7%	80.2%	$702,810
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	281 +21 HELOCs	4.7%	92%	$848,665
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	141 +3 HELOCs	2.3%	98%	$1,527,340	View
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	134 +6 HELOCs	2.2%	96.5%	$840,000
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	106 +2 HELOCs	1.8%	99.1%	$951,132
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	97 +1 HELOCs	1.6%	93.3%	$1,585,515	View
Originpoint, LLC	Conventional, Jumbo	85	1.4%	95.5%	$1,137,000
National Cooperative Bank, N.A. A5.0 ★Texas Ratio: 6.04%	Conventional, Jumbo	77	1.3%	98.7%	$686,948	View
Guaranteed Rate Affinity, LLC	Conventional, VA, Jumbo, HELOC	40 +1 HELOCs	0.7%	97.6%	$1,039,250
The Loan Store, Inc	Conventional, Jumbo, HELOC	34 +9 HELOCs	0.6%	93.2%	$793,235
Newrez LLC	Conventional, FHA, VA	34	0.6%	72.9%	$684,411
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	28	0.5%	96.6%	$690,000	View
Nationstar Mortgage	Conventional	25	0.4%	78.1%	$487,800
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, USDA, Jumbo, HELOC	24 +1 HELOCs	0.4%	100%	$831,666	View
Everett Financial, Inc.	Conventional, Jumbo, HELOC	22 +1 HELOCs	0.4%	95.7%	$715,454
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	22	0.4%	96.2%	$2,221,818	View
CIBC Bank USA A+5.0 ★Texas Ratio: 5.05%	Conventional	19	0.3%	90.5%	$360,263	View
Primary Residential Mortgage, INC.	Conventional, FHA, Jumbo	19	0.3%	100%	$991,315
Better Mortgage Corporation	Conventional, Jumbo, HELOC	18 +12 HELOCs	0.3%	81.8%	$617,222
Sage Home Loans Corporation	Conventional	18	0.3%	87.5%	$784,444
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	18	0.3%	82.6%	$932,222	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	18	0.3%	100%	$3,513,333	View
Lennar Mortgage, LLC	Conventional	16	0.3%	100%	$542,500
Spring Eq, LLC	Conventional, HELOC	15 +11 HELOCs	0.2%	37.3%	$223,666
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	15	0.2%	94.1%	$683,000	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	14 +7 HELOCs	0.2%	88.2%	$872,857
Freedom Mortgage Corporation	Conventional, FHA, VA	11	0.2%	91.7%	$738,636
Ameritrust Mortgage Corporation	Conventional, VA, Jumbo	11	0.2%	100%	$965,909
Vellum Mortgage, Inc.	Conventional	11	0.2%	91.7%	$778,636
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo, HELOC	10 +4 HELOCs	0.2%	100%	$1,918,000	View
Fairway Independent Mort Corp	Conventional, VA, Jumbo	10	0.2%	100%	$843,000
Amerisave Mortgage Company	Conventional	9	0.1%	24.4%	$251,666
SIRVA Mortgage, Inc. A+5.0 ★Texas Ratio: 2.36%	Conventional, Jumbo	9	0.1%	100%	$642,777	View
Nbkc Bank	Conventional, Jumbo	8	0.1%	72.7%	$980,000
Genisys Credit Union	Conventional, Jumbo	7	0.1%	100%	$1,785,000
Advancial Federal Credit Union	Conventional	7	0.1%	87.5%	$452,142
Teachers Federal Credit Union	Conventional, Jumbo	7	0.1%	100%	$1,419,285
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, Jumbo	7	0.1%	87.5%	$1,100,714	View
Arc Home LLC	Conventional, Jumbo	6	0.1%	75%	$813,333
Envoy Mortgage, Ltd	Conventional	6	0.1%	100%	$640,000
Discover Bank	Conventional	6	0.1%	17.1%	$81,666
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	5	0.1%	39.1%	$887,000
Bay Equity LLC	Conventional, Jumbo	5	0.1%	83.3%	$1,247,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	5	0.1%	100%	$1,245,000	View
Mutual of Omaha Mortgage	Conventional	5	0.1%	45.5%	$579,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	4 +27 HELOCs	0.1%	66.7%	$127,500	View
Alliant Credit Union	Conventional, Jumbo, HELOC	4 +15 HELOCs	0.1%	100%	$1,230,000
HomeBridge Financial Services, Inc	Conventional, HELOC	4 +14 HELOCs	0.1%	66.7%	$712,500
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, HELOC	4 +1 HELOCs	0.1%	80%	$697,500	View
Filo Mortgage, LLC	Conventional	4	0.1%	100%	$685,000
Deephaven Mortgage LLC	Conventional, Jumbo	4	0.1%	80%	$630,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	4	0.1%	100%	$952,500	View
Credit Union Mortgage Associat	Conventional	4	0.1%	100%	$670,000
Union Home Mortgage Corp.	Conventional	4	0.1%	100%	$572,500
First Colony Mortgage Corporat	Conventional	4	0.1%	100%	$937,500
Mortgage Research Center	Conventional, VA	4	0.1%	33.3%	$637,500
Luxury Mortgage Corp.	Conventional	4	0.1%	100%	$710,000
Champions Funding, LLC	Conventional	4	0.1%	66.7%	$732,500
First Technology Federal Credit Union	Conventional, HELOC	3 +5 HELOCs	0%	100%	$738,333
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	3 +1 HELOCs	0%	60%	$958,333
Primelending	Conventional	3	0%	100%	$665,000
Movement Mortgage, LLC	Conventional	3	0%	100%	$948,333
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	3	0%	100%	$805,000	View
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	3	0%	33.3%	$275,000	View
Premier Lending Inc.	Conventional, Jumbo	3	0%	100%	$1,348,333
Logan Finance Corporation	Conventional, Jumbo	3	0%	75%	$1,698,333
United Nations Federal CU	Conventional	3	0%	100%	$788,333
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	2 +12 HELOCs	0%	100%	$910,000	View
Fourleaf Federal Credit Union	Conventional, Jumbo, HELOC	2 +11 HELOCs	0%	100%	$1,445,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional, FHA, HELOC	2 +1 HELOCs	0%	100%	$570,000	View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0%	100%	$910,000	View
American Financial Resources LLC	Conventional	2	0%	66.7%	$615,000
All Credit Considered Mortgage, Inc.	Conventional	2	0%	100%	$850,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	2	0%	100%	$575,000	View
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	2	0%	100%	$800,000	View
Nqm Funding, LLC	Conventional, Jumbo	2	0%	66.7%	$1,380,000
Das Acquisition Company, LLC	Conventional	2	0%	100%	$685,000
Strong Home Mortgage, LLC	Conventional	2	0%	100%	$460,000
Homeowners Financial Group, LLC	Conventional	2	0%	100%	$320,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	2	0%	66.7%	$925,000	View
Village Bank & Trust, N.A. A+5.0 ★Texas Ratio: 1.60%	Conventional, Jumbo	2	0%	100%	$1,290,000	View
Golden Bank National Associati	Conventional, Jumbo	2	0%	100%	$1,325,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	2	0%	100%	$615,000	View
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	2	0%	100%	$445,000	View
Tomo Mortgage LLC	Conventional	2	0%	50%	$1,090,000
Flyhomes Mortgage LLC	Conventional	2	0%	66.7%	$310,000
Pentagon Federal Credit Union	Conventional, HELOC	1 +10 HELOCs	0%	33.3%	$415,000
Boeing Employees' Credit Union	Conventional, HELOC	1 +3 HELOCs	0%	100%	$915,000
Valon Mortgage	Conventional, HELOC	1 +2 HELOCs	0%	100%	$1,115,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$1,035,000	View
Proper Rate, LLC	Conventional	1	0%	100%	$655,000
Premier Mortgage Resources, LLC	Conventional	1	0%	100%	$685,000
North Shore Trust & Savings A+5.0 ★Texas Ratio: 3.87%	Conventional	1	0%	100%	$1,505,000	View
Liberty Federal Credit Union A+5.0 ★Texas Ratio: 0.01%	Conventional	1	0%	100%	$985,000	View
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0%	50%	$1,195,000	View
Success Lending, LLC	Conventional	1	0%	100%	$1,065,000
Equity Prime Mortgage LLC	FHA	1	0%	100%	$895,000
Loansteady LLC	Conventional	1	0%	100%	$755,000
Allied Mortgage Group, Inc	Conventional	1	0%	100%	$505,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0%	100%	$1,165,000	View
PHH Mortgage Corporation	Conventional	1	0%	100%	$745,000
Dart Bank	Conventional	1	0%	100%	$475,000
Emporium Tpo LLC	Conventional	1	0%	100%	$755,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0%	100%	$805,000	View
Michigan Mutual, Inc	Conventional, Jumbo	1	0%	100%	$1,505,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0%	100%	$465,000
Absolute Home Mortgage	Conventional	1	0%	100%	$1,055,000
Wall Street Mortgage Bankers, Ltd. dba Power Expre	Conventional	1	0%	66.7%	$855,000
Eastman Credit Union	Conventional	1	0%	100%	$475,000
Bokf NA A+5.0 ★Texas Ratio: 1.05%	Conventional	1	0%	100%	$905,000	View
Nfm, Inc	VA	1	0%	100%	$1,205,000
Foundation Mortgage Corporation	Conventional	1	0%	100%	$275,000
Servis One, Inc	Conventional	1	0%	100%	$765,000
Reliable Holdings Manager dba Lendz Financial	Conventional	1	0%	100%	$225,000
Planet Home Lending, LLC	Conventional	1	0%	33.3%	$645,000
United Home Loans, Inc.	Conventional	1	0%	100%	$1,025,000
BoxCar Mortgage, LLC	Conventional	1	0%	100%	$485,000
Libertyville Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0%	100%	$875,000	View
Crystal Lake Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.94%	Conventional	1	0%	100%	$1,025,000	View
Lake Forest Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.75%	Conventional	1	0%	100%	$1,105,000	View
St. Charles Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 5.27%	Conventional	1	0%	100%	$895,000	View
Wheaton Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.87%	Conventional, Jumbo	1	0%	100%	$1,305,000	View
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0%	100%	$555,000	View
GuardHill Financial LLC	Conventional	1	0%	100%	$1,055,000
Pike Creek Mortgage Services, Inc.	Conventional	1	0%	100%	$455,000
V.I.P. Mortgage, Inc.	Conventional, Jumbo	1	0%	100%	$1,265,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0%	100%	$665,000
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional, Jumbo	1	0%	100%	$1,445,000	View
Prosperity Home Mortgage, LLC	Conventional	1	0%	100%	$665,000
Deutsche Bank Trust Company Americas A+5.0 ★Texas Ratio: 1.44%	Conventional, Jumbo	1	0%	100%	$9,725,000	View
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0%	50%	$765,000	View
Right Start Mortgage, Inc	Conventional	1	0%	100%	$805,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, Jumbo	1	0%	100%	$1,355,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0%	100%	$475,000
Florida Capital Bank, N.A	Conventional	1	0%	100%	$1,125,000
Ark-La-Tex Financial Services LLC	Conventional	1	0%	100%	$915,000
Quorum Federal Credit Union	HELOC	0 +27 HELOCs	0%	0%
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +17 HELOCs	0%	n/a		View
Usalliance Federal Credit Union	HELOC	0 +12 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +5 HELOCs	0%	n/a		View
Communityamerica Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +2 HELOCs	0%	n/a
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Tower Federal Credit Union A+5.0 ★Texas Ratio: 1.59%	HELOC	0 +1 HELOCs	0%	n/a		View
Bank Fund Staff Federal Credit	HELOC	0 +1 HELOCs	0%	0%
Affinity Federal Credit Union A+5.0 ★Texas Ratio: 5.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Longbridge Financial, LLC	HELOC	0 +1 HELOCs	0%	n/a
American Heritage Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Digital Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

San Francisco Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in San Francisco, California

Looking for mortgage lenders near me or mortgage brokers near me in San Francisco? The list below shows the banks, credit unions and mortgage brokers that closed home loans in San Francisco in 2025, with lenders based there listed first.

Types of Mortgage Lenders in San Francisco, CA

Use these to narrow the list above. Each category shows how many San Francisco, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 152 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 85 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 63 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 23 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 22 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 117 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 130 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in San Francisco, CA

Independent mortgage companies closed 39 percent of home loans in San Francisco, California in 2025, banks 49 percent and credit unions 12 percent. Figure Lending LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and San Francisco Fire Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 262 loans.

39%

Mortgage companies

49%

Banks

12%

Credit unions

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in California. County documentary transfer tax of $1.10 per $1,000 (0.11 percent), with many cities adding their own transfer tax (for example San Francisco and Los Angeles at much higher rates); no mortgage recording tax.

More California Mortgage Lender Pages

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders Chula Vista 203 lenders

Frequently Asked Questions About Mortgage Lenders in San Francisco, CA

Who is the largest mortgage lender in San Francisco, CA?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in San Francisco, California with 500 loans, about 8.3 percent of the market. The largest lender headquartered in California was Bank of America NA with 262 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in San Francisco, CA have the highest approval rates?

Among lenders with meaningful volume in San Francisco, California, Citizens Bank, NA approved the highest share of completed applications in 2025 at 100 percent, against a 89 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which San Francisco, CA mortgage lenders offer FHA, VA and USDA loans?

23 lenders closed FHA loans in San Francisco, California in 2025, led by United Wholesale Mortgage with 14. 22 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this San Francisco, CA lender list?

Yes. 85 banks and 63 credit unions closed home loans in San Francisco, California in 2025, alongside 152 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in San Francisco, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in San Francisco, California during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in San Francisco, California for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up San Francisco. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.