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Home / Mortgage Lenders / California / South San Francisco
iAdvertiser Disclosure Advertiser DisclosureSome lenders listed may have a business relationship with MonitorBankRates. Rankings come only from federal loan counts, and health grades come from our own rating system. Advertiser relationships do not influence the order of the list, the grades, or the reviews shown.

Mortgage Lenders and Brokers in South San Francisco, California

South San Francisco, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA101 Mc Lellan Dr Apt 1034, South San Francisco, CA 94080A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA10 Chestnut Ave, South San Francisco, CA 94080A+5.0 ★Texas Ratio: 5.36%, Citibank, NACitibank, NA101 Arroyo Dr, South San Francisco, CA 94080A+5.0 ★Texas Ratio: 2.82%, Bank of America NABank of America NA955 El Camino Real, South San Francisco, CA 94080A+5.0 ★Texas Ratio: 4.14%, BMO Harris Bank NABMO Harris Bank NA2288 Westborough Blvd, South San Francisco, CA 94080A+5.0 ★Texas Ratio: 3.54%, Tri Counties BankTri Counties Bank975 El Camino Real, South San Francisco, CA 94080A+5.0 ★Texas Ratio: 5.34%, US Bank, N.A.US Bank, N.A.11994 Palmdale Rd, Adelanto, CA 92301A+5.0 ★Texas Ratio: 2.85%, The Golden 1 Credit UnionThe Golden 1 Credit Union8727 El Camino Real, Atascadero, CA 93422A+5.0 ★Texas Ratio: 5.50%, Monterra Credit UnionMonterra Credit Union150 El Camino Real, South San Francisco, CA 94080A+5.0 ★Texas Ratio: 2.93%, and Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%. 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 South San Francisco, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in South 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 South San Francisco, California

Market share is the lender's share of all home loans closed in South 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.

LenderProgramsLoans closedMarket shareApproval shareAverage loanView
1 office in South San Francisco
101 Mc Lellan Dr Apt 1034, South San Francisco, CA 94080
A+5.0 ★Texas Ratio: 3.68%
Conventional, Jumbo, HELOC 31
+2 HELOCs
6.3% 83.8% $788,870 View
2 offices in South San Francisco
10 Chestnut Ave, South San Francisco, CA 94080
A+5.0 ★Texas Ratio: 5.36%
Conventional, Jumbo 24 4.9% 85.7% $1,012,500 View
1 office in South San Francisco
101 Arroyo Dr, South San Francisco, CA 94080
A+5.0 ★Texas Ratio: 2.82%
Conventional, Jumbo, HELOC 10
+1 HELOCs
2% 100% $1,015,000 View
1 office in South San Francisco
955 El Camino Real, South San Francisco, CA 94080
A+5.0 ★Texas Ratio: 4.14%
Conventional, HELOC 8
+32 HELOCs
1.6% 61.5% $987,500 View
1 office in South San Francisco
2288 Westborough Blvd, South San Francisco, CA 94080
A+5.0 ★Texas Ratio: 3.54%
Conventional, Jumbo, HELOC 3
+4 HELOCs
0.6% 60% $1,158,333 View
1 office in South San Francisco
975 El Camino Real, South San Francisco, CA 94080
A+5.0 ★Texas Ratio: 5.34%
Conventional, HELOC 2
+2 HELOCs
0.4% 100% $335,000 View
11994 Palmdale Rd, Adelanto, CA 92301
A+5.0 ★Texas Ratio: 2.85%
Conventional, Jumbo, HELOC 23
+5 HELOCs
4.7% 75.8% $786,739 View
8727 El Camino Real, Atascadero, CA 93422
A+5.0 ★Texas Ratio: 5.50%
Conventional, HELOC 8
+1 HELOCs
1.6% 100% $825,000 View
150 El Camino Real, South San Francisco, CA 94080
A+5.0 ★Texas Ratio: 2.93%
Conventional, Jumbo, HELOC 6
+15 HELOCs
1.2% 75% $695,000 View
9960 Live Oak Blvd, Live Oak, CA 95953
A+5.0 ★Texas Ratio: 0.51%
Conventional 5 1% 83.3% $429,000 View
10991 N De Anza Blvd, Cupertino, CA 95014 6303
A+5.0 ★Texas Ratio: 0.64%
Conventional, Jumbo 5 1% 100% $583,000 View
2033 Kala Bagai Way, Berkeley, CA 94704
A5.0 ★Texas Ratio: 6.65%
Conventional, Jumbo, HELOC 4
+5 HELOCs
0.8% 100% $895,000 View
1107 S Baldwin Ave, Arcadia, CA 91007
A+5.0 ★Texas Ratio: 4.86%
Conventional, Jumbo 4 0.8% 100% $845,000 View
116 S Cloverdale Blvd, Cloverdale, CA 95425
A+5.0 ★Texas Ratio: 3.68%
Conventional 4 0.8% 80% $755,000 View
1811 El Camino Real, Burlingame, CA 94010
A+5.0 ★Texas Ratio: 0.53%
Conventional 4 0.8% 100% $735,000 View
★ 1.7 stars, 3 reviews
1329 Broadway Ave, Atwater, CA 95301
A+5.0 ★Texas Ratio: 4.24%
Conventional, HELOC 3
+6 HELOCs
0.6% 100% $768,333 View
406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281
A+5.0 ★Texas Ratio: 4.20%
Conventional, Jumbo, HELOC 3
+3 HELOCs
0.6% 75% $1,048,333 View
403 W Valley Blvd, Alhambra, CA 91803
A+5.0 ★Texas Ratio: 2.84%
Conventional, HELOC 3
+3 HELOCs
0.6% 100% $575,000 View
2250 S Shore Ctr Ste C, Alameda, CA 94501
A+5.0 ★Texas Ratio: 0.49%
Conventional, HELOC 2
+7 HELOCs
0.4% 100% $665,000 View
1860 Embarcadero Rd, Palo Alto, CA 94303 3335
A+5.0 ★Texas Ratio: 1.30%
Conventional, HELOC 2
+5 HELOCs
0.4% 100% $915,000 View
200 Sand Creek Rd, Brentwood, CA 94513
A+5.0 ★Texas Ratio: 4.11%
Conventional, HELOC 2
+5 HELOCs
0.4% 40% $870,000 View
3201 California St, San Francisco, CA 94118 1903
A+5.0 ★Texas Ratio: 3.32%
Conventional 2 0.4% 100% $345,000 View
10474 Rancho Rd, Adelanto, CA 92301
D3.3 ★Texas Ratio: 35.11%
Conventional 2 0.4% 100% $685,000 View
Synergy One Lending, Inc.
9600 Ming Ave Ste 146, Bakersfield, CA 93311
Conventional, FHA 2 0.4% 100% $1,125,000
840 Herndon Ave, Clovis, CA 93612
A+5.0 ★Texas Ratio: 1.59%
Conventional 2 0.4% 100% $200,000 View
1211 E Valley Blvd, Alhambra, CA 91801
A+5.0 ★Texas Ratio: 4.74%
Conventional, HELOC 1
+3 HELOCs
0.2% 100% $915,000 View
19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014
A5.0 ★Texas Ratio: 6.20%
Conventional, HELOC 1
+1 HELOCs
0.2% 50% $475,000 View
590 W Main St, Alhambra, CA 91801
A+5.0 ★Texas Ratio: 4.57%
Conventional 1 0.2% 100% $895,000 View
801 San Pablo Ave, Albany, CA 94706
A+5.0 ★Texas Ratio: 1.81%
Conventional 1 0.2% 100% $1,085,000 View
750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941
A+5.0 ★Texas Ratio: 5.44%
Conventional 1 0.2% 100% $835,000 View
500 N Brand Blvd, Glendale, CA 91203
A+5.0 ★Texas Ratio: 5.17%
Conventional 1 0.2% 100% $935,000 View
5819 Lone Tree Way, Antioch, CA 94531
A+5.0 ★Texas Ratio: 4.51%
Conventional 1 0.2% 100% $875,000 View
15141 Whittier Blvd, Whittier, CA 90603
A+5.0 ★Texas Ratio: 0.00%
Conventional 1 0.2% 100% $215,000 View
10051 S De Anza Blvd, Cupertino, CA 95014 2105
A+5.0 ★Texas Ratio: 3.57%
HELOC 0
+2 HELOCs
0% n/a View
31924 Crown Valley Rd, Acton, CA 93510
A+5.0 ★Texas Ratio: 3.72%
HELOC 0
+1 HELOCs
0% 100% View
386 E H St Ste 213, Chula Vista, CA 91910 7487
A+5.0 ★Texas Ratio: 1.25%
HELOC 0
+1 HELOCs
0% n/a View
1040 E Imperial Hwy Ste F3, Brea, CA 92821
A+5.0 ★Texas Ratio: 3.82%
HELOC 0
+1 HELOCs
0% n/a View
9525 Camino Media, Bakersfield, CA 93311
A+5.0 ★Texas Ratio: 2.12%
HELOC 0
+1 HELOCs
0% n/a View
1809 HOLMES ST, LIVERMORE, CA 94550
A+5.0 ★Texas Ratio: 5.51%
HELOC 0
+1 HELOCs
0% n/a View
2401 E Katella Ave, Anaheim, CA 92806
A+5.0 ★Texas Ratio: 5.55%
HELOC 0
+1 HELOCs
0% n/a View
AmWest Funding Corp
Conventional, Jumbo, HELOC 18
+1 HELOCs
3.7% 100% $645,000
General Mortgage Capital Corporation
Conventional, Jumbo 17 3.4% 100% $756,764
New American Funding, LLC.
Conventional, FHA, HELOC 14
+2 HELOCs
2.8% 93.3% $589,285
Pennymac Loan Services LLC
Conventional, FHA 12 2.4% 92.3% $660,000
New Wave Lending Group Inc
Conventional 6 1.2% 100% $731,666
American Pacific Mortgage Corporation
Conventional 5 1% 100% $609,000
Googain, Inc.
Conventional 4 0.8% 100% $740,000
Nmsi, Inc.
Conventional 4 0.8% 100% $752,500
Nexera Holding LLC
Conventional, Jumbo 4 0.8% 100% $680,000
loanDepot.com LLC
Conventional, HELOC 3
+1 HELOCs
0.6% 50% $288,333
A5.0 ★Texas Ratio: 8.76%
Conventional 3 0.6% 100% $478,333 View
T. J. Financial, Inc.
Conventional 3 0.6% 100% $825,000
Citadel Servicing Corporation
Conventional, Jumbo 3 0.6% 100% $805,000
Cake Mortgage Corp.
Conventional, Jumbo 3 0.6% 100% $991,666
Watermark Capital, Inc.
Conventional 2 0.4% 100% $950,000
Resicentral LLC
Conventional, VA 2 0.4% 100% $960,000
Sierra Pacific Mortgage Co. Inc
Conventional 2 0.4% 100% $1,005,000
Plaza Home Mortgage, Inc
Conventional, FHA 2 0.4% 100% $645,000
Kind Lending, LLC
Conventional 1 0.2% 100% $815,000
AdvantageFirst Lending Inc
Conventional 1 0.2% 100% $405,000
Catalyst Mortgage
Conventional 1 0.2% 100% $305,000
Coast 2 Coast Funding Group, Inc
Conventional 1 0.2% 100% $595,000
Royal Pacific Funding
Conventional 1 0.2% 100% $855,000
Hightechlending, Inc
Conventional 1 0.2% 100% $155,000
American Finance House Lariba
Conventional 1 0.2% 100% $1,205,000
Stg Mortgage Inc
Conventional 1 0.2% 100% $1,065,000
Hometown Equity Mortgage, LLC
Conventional 1 0.2% 50% $745,000
The Police Credit Union of California
Conventional 1 0.2% 100% $175,000
Mason-McDuffie Mortgage Corporation
Conventional 1 0.2% 100% $795,000
JMAC Lending, Inc.
Conventional 1 0.2% 50% $645,000
Figure Lending LLC
HELOC 0
+5 HELOCs
0% n/a
Financial Partners Credit Unio
HELOC 0
+2 HELOCs
0% n/a
Rocket Mortgage
Conventional, FHA, Jumbo 76 15.4% 92.7% $582,631
United Wholesale Mortgage
Conventional, FHA, Jumbo, HELOC 38
+4 HELOCs
7.7% 80.9% $797,894
Newrez LLC
Conventional 8 1.6% 72.7% $358,750
Guaranteed Rate Affinity, LLC
Conventional, VA, Jumbo 7 1.4% 100% $975,000
Guaranteed Rate, Inc.
Conventional 6 1.2% 100% $698,333
CrossCountry Mortgage, LLC
Conventional, Jumbo 6 1.2% 100% $1,060,000
A+5.0 ★Texas Ratio: 4.11%
Conventional 5 1% 100% $691,000 View
The Loan Store, Inc
Conventional, HELOC 4
+4 HELOCs
0.8% 80% $605,000
Spring Eq, LLC
Conventional, HELOC 4
+3 HELOCs
0.8% 41.7% $205,000
Nationstar Mortgage
Conventional 4 0.8% 80% $252,500
★ 4 stars, 1 review
A+5.0 ★Texas Ratio: 1.82%
Conventional 4 0.8% 100% $677,500 View
A-5.0 ★Texas Ratio: 14.93%
Conventional 3 0.6% 100% $635,000 View
Pentagon Federal Credit Union
Conventional, HELOC 2
+1 HELOCs
0.4% 66.7% $665,000
Originpoint, LLC
Conventional 2 0.4% 66.7% $705,000
Union Home Mortgage Corp.
Conventional 2 0.4% 100% $970,000
Champions Funding, LLC
Conventional 2 0.4% 100% $765,000
HomeBridge Financial Services, Inc
Conventional, Jumbo, HELOC 1
+6 HELOCs
0.2% 100% $1,345,000
Usalliance Federal Credit Union
Conventional, HELOC 1
+2 HELOCs
0.2% 100% $285,000
Better Mortgage Corporation
Conventional, HELOC 1
+2 HELOCs
0.2% 100% $705,000
Premier Mortgage Resources, LLC
Conventional 1 0.2% 100% $395,000
A+5.0 ★Texas Ratio: 0.14%
Conventional 1 0.2% 100% $855,000 View
Everett Financial, Inc.
Conventional 1 0.2% 100% $585,000
NOVA Financial & Investment Corporation
Conventional 1 0.2% 100% $775,000
Sage Home Loans Corporation
Conventional 1 0.2% 100% $755,000
Nbkc Bank
Conventional 1 0.2% 100% $795,000
Equity Prime Mortgage LLC
FHA 1 0.2% 100% $525,000
Oaktree Funding Corp
Conventional 1 0.2% 100% $885,000
Amerisave Mortgage Company
Conventional 1 0.2% 50% $45,000
Valon Mortgage
Conventional 1 0.2% 100% $275,000
A+5.0 ★Texas Ratio: 2.02%
Conventional 1 0.2% 100% $565,000 View
A5.0 ★Texas Ratio: 8.47%
Conventional 1 0.2% 100% $695,000 View
Summit Mortgage Bankers, Inc.
Conventional 1 0.2% 100% $605,000
Securitynational Mortgage Company
FHA 1 0.2% 100% $855,000
A+5.0 ★Texas Ratio: 2.36%
Conventional 1 0.2% 100% $265,000 View
B-3.5 ★Texas Ratio: 6.80%
VA 1 0.2% 100% $1,135,000 View
A+5.0 ★Texas Ratio: 3.87%
Conventional 1 0.2% 100% $925,000 View
Mortgage Research Center
VA 1 0.2% 100% $795,000
Nations Direct Mortgage, LLC
Conventional 1 0.2% 100% $385,000
Prosperity Home Mortgage, LLC
Conventional 1 0.2% 100% $985,000
Mutual of Omaha Mortgage
Conventional 1 0.2% 100% $805,000
Fairway Independent Mort Corp
Conventional 1 0.2% 100% $205,000
A5.0 ★Texas Ratio: 8.14%
Conventional 1 0.2% 33.3% $955,000
Industrial and Commercial Bank of China (USA) NA
Conventional 1 0.2% 100% $605,000
Ark-La-Tex Financial Services LLC
Conventional 1 0.2% 100% $705,000
Tomo Mortgage LLC
Conventional 1 0.2% 100% $595,000
B4.5 ★Texas Ratio: 20.96%
HELOC 0
+3 HELOCs
0% n/a View
Georgia'S Own Credit Union
HELOC 0
+2 HELOCs
0% n/a
Alliant Credit Union
HELOC 0
+2 HELOCs
0% n/a
A+5.0 ★Texas Ratio: 4.14%
HELOC 0
+2 HELOCs
0% n/a View
A+5.0 ★Texas Ratio: 2.32%
HELOC 0
+2 HELOCs
0% n/a View
Hanscom Federal Credit Union
HELOC 0
+1 HELOCs
0% n/a
A4.8 ★Texas Ratio: 2.45%
HELOC 0
+1 HELOCs
0% n/a View
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.

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

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

Types of Mortgage Lenders in South San Francisco, CA

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

Who Lends in South San Francisco, CA

Independent mortgage companies closed 62.9 percent of home loans in South San Francisco, California in 2025, banks 28 percent and credit unions 9.1 percent. Change Lending was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and The Golden 1 Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 8 loans.

62.9%
Mortgage companies
28%
Banks
9.1%
Credit unions
2%
FHA loans
1%
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

Frequently Asked Questions About Mortgage Lenders in South San Francisco, CA

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

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in South San Francisco, California with 31 loans, about 6.3 percent of the market. The largest lender headquartered in California was Bank of America NA with 8 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in South San Francisco, California, Rocket Mortgage approved the highest share of completed applications in 2025 at 92.7 percent, against a 87.2 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 South San Francisco, CA mortgage lenders offer FHA, VA and USDA loans?

8 lenders closed FHA loans in South San Francisco, California in 2025, led by United Wholesale Mortgage with 4. 4 lenders closed VA loans, led by Resicentral LLC. 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 South San Francisco, CA lender list?

Yes. 32 banks and 25 credit unions closed home loans in South San Francisco, California in 2025, alongside 67 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 South San Francisco, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in South 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 South 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 South 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.