California · HMDA 2025
Mortgage lenders in San Francisco County, CA
415 lenders reported 14,163 home-loan applications in San Francisco County in 2025. 8,062 closed as loans ($8.9B), 1,663 were denied — a 16.4% denial rate on decided applications, below the California rate of 22.3%. The three most active lenders handled 21% of applications, led by JPMorgan Chase Bank, National Association. 19 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 14,163
- Loans originated
- 8,062
- Purchase / refinance
- 4,181 / 2,822
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in San Francisco County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1,273 | 9.0% | 14.1% |
| 2 | Bank of America, National Association 59 out of 100, Moderate | 960 | 6.8% | 44.7% |
| 3 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 712 | 5.0% | 22.2% |
| 4 | U.S. Bank National Association 55 out of 100, Moderate | 658 | 4.6% | 39.5% |
| 5 | Rocket Mortgage, LLC | 604 | 4.3% | — |
| 6 | Citibank, National Association 60 out of 100, Moderate | 601 | 4.2% | 24.0% |
| 7 | REDWOOD | 486 | 3.4% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 465 | 3.3% | — |
| 9 | GUARANTEED RATE, INC. | 394 | 2.8% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 238 | 1.7% | — |
| 11 | East West Bank 70 out of 100, Strong | 227 | 1.6% | 11.6% |
| 12 | BMO Bank National Association 58 out of 100, Moderate | 196 | 1.4% | 40.5% |
| 13 | CROSSCOUNTRY MORTGAGE, INC. | 188 | 1.3% | — |
| 14 | Citizens Bank, National Association 54 out of 100, Below average | 175 | 1.2% | 32.5% |
| 15 | Morgan Stanley Private Bank, National Association 61 out of 100, Moderate | 169 | 1.2% | 4.9% |
| 16 | OriginPoint, LLC | 161 | 1.1% | — |
| 17 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 161 | 1.1% | 22.5% |
| 18 | Patelco Credit Union 60 out of 100, Moderate | 155 | 1.1% | 16.7% |
| 19 | General Mortgage Capital Corporation | 152 | 1.1% | — |
| 20 | Coastal Community Bank 35 out of 100, Low | 149 | 1.1% | 3.0% |
| 21 | FIGURE LENDING LLC | 146 | 1.0% | — |
| 22 | Charles Schwab Bank, SSB 81 out of 100, Strong | 140 | 1.0% | 5.2% |
| 23 | PNC Bank, National Association 62 out of 100, Moderate | 139 | 1.0% | 33.8% |
| 24 | THE GOLDEN 1 | 137 | 1.0% | — |
| 25 | NEWREZ LLC | 131 | 0.9% | — |
| 26 | HSBC BANK USA, NATIONAL ASSOCIATION 57 out of 100, Moderate | 128 | 0.9% | 9.5% |
| 27 | SPRING EQ, LLC | 124 | 0.9% | — |
| 28 | Broker Solutions, Inc. | 123 | 0.9% | — |
| 29 | AMWEST FUNDING CORP. | 118 | 0.8% | — |
| 30 | Fremont Bank 60 out of 100, Moderate | 111 | 0.8% | 33.6% |
| 31 | AMERIHOME MORTGAGE COMPANY, LLC | 100 | 0.7% | — |
| 32 | BETTER MORTGAGE CORPORATION | 88 | 0.6% | — |
| 33 | NATIONAL COOPERATIVE BANK, N.A. 46 out of 100, Below average | 87 | 0.6% | 13.6% |
| 34 | AMERICAN PACIFIC MORTGAGE CORPORATION | 84 | 0.6% | — |
| 35 | SAN FRANCISCO FIRE CREDIT UNION 70 out of 100, Strong | 83 | 0.6% | 23.7% |
| 36 | Loandepot.Com, LLC | 74 | 0.5% | — |
| 37 | SOFI BANK, NATIONAL ASSOCIATION | 73 | 0.5% | — |
| 38 | THE LOAN STORE, INC. | 69 | 0.5% | — |
| 39 | STANFORD Federal Credit Union 73 out of 100, Strong | 68 | 0.5% | 7.6% |
| 40 | REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 68 | 0.5% | — |
Top 40 of 415 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in California
- Los Angeles County 221,487 apps
- San Diego County 103,767 apps
- Riverside County 103,444 apps
- Orange County 86,651 apps
- San Bernardino County 77,329 apps
- Sacramento County 56,166 apps
- Santa Clara County 45,843 apps
- Alameda County 41,873 apps
- Contra Costa County 38,954 apps
- Kern County 31,328 apps
- Fresno County 29,585 apps
- San Joaquin County 28,724 apps