Refinancing lenders in San Francisco County
1,939 refinancing mortgages were made in San Francisco County, California, in 2025, by 256 lenders. The median rate their borrowers got was 6.050% on a median loan of $905,000. Of 2,360 decisions, 351 were denials — 14.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| JPMorgan Chase Bank, National Association | 179 | 5.920% | $1,105,000 | 8.5% |
| Bank of America, National Association | 161 | 5.990% | $505,000 | 22.0% |
| U.S. Bank National Association | 133 | 5.875% | $1,045,000 | 13.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 127 | 6.250% | $795,000 | 8.6% |
| Wells Fargo Bank, National Association | 107 | 5.750% | $1,115,000 | 7.8% |
| Rocket Mortgage, LLC | 96 | 5.990% | $740,000 | 19.1% |
| Citibank, National Association | 78 | 5.500% | $1,260,000 | 1.2% |
| Citizens Bank, National Association | 50 | 5.750% | $2,105,000 | 0.0% |
| Charles Schwab Bank, SSB | 45 | 5.525% | $1,345,000 | 4.3% |
| General Mortgage Capital Corporation | 39 | 6.500% | $605,000 | 0.0% |
| East West Bank | 36 | 6.500% | $725,000 | 7.5% |
| GUARANTEED RATE, INC. | 32 | 6.500% | $815,000 | 3.0% |
| PENNYMAC LOAN SERVICES, LLC | 26 | 6.375% | $1,040,000 | 26.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 25 | 6.500% | $1,125,000 | 0.0% |
| GOOGAIN, INC. | 21 | 6.125% | $595,000 | 0.0% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 21 | 5.875% | $1,175,000 | 8.3% |
| FINANCE OF AMERICA REVERSE LLC | 20 | 8.990% | $740,000 | 4.6% |
| Patelco Credit Union | 19 | 8.000% | $255,000 | 24.0% |
| Morgan Stanley Private Bank, National Association | 19 | 5.700% | $965,000 | 4.8% |
| Broker Solutions, Inc. | 17 | 6.750% | $865,000 | 0.0% |
| Fremont Bank | 16 | 8.125% | $350,000 | 42.9% |
| REDWOOD | 15 | 6.250% | $725,000 | 34.6% |
| PNC Bank, National Association | 15 | 5.500% | $1,105,000 | 25.0% |
| BMO Bank National Association | 15 | 5.625% | $1,085,000 | 34.8% |
| Ameris Bank | 15 | 5.990% | $715,000 | 11.8% |
| Loandepot.Com, LLC | 13 | 5.990% | $845,000 | 18.8% |
| NEW WAVE LENDING GROUP INC | 13 | 6.750% | $885,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 12 | 5.875% | $765,000 | 6.7% |
| NEWREZ LLC | 12 | 6.438% | $845,000 | 25.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 12 | 6.002% | $950,000 | 0.0% |
| City National Bank | 11 | 5.420% | $1,245,000 | 33.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.250% | $505,000 | 21.4% |
| THE GOLDEN 1 | 11 | 5.625% | $1,155,000 | 15.4% |
| GUARANTEED RATE AFFINITY, LLC | 11 | 6.125% | $1,095,000 | 0.0% |
| CONVENTUS LLC | 11 | 9.490% | $1,205,000 | 0.0% |
| OriginPoint, LLC | 10 | 6.750% | $1,125,000 | 9.1% |
| NATIONSTAR MORTGAGE LLC | 10 | 5.875% | $710,000 | 28.6% |
| NexBank | 10 | 6.438% | $1,040,000 | 9.1% |
| Goldman Sachs Bank USA | 10 | 5.525% | $1,155,000 | 8.3% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 8.3% |
| Bank of Marin | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Tri Counties Bank | 9 | Under 10 loans | Under 10 loans | 30.8% |
| NATIONAL COOPERATIVE BANK, N.A. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| RESICENTRAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TECHNOLOGY CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Comerica Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 23.1% |
| Third Federal Savings and Loan Association of Cleveland | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| TRAVIS CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| STAR ONE Credit Union | 7 | Under 10 loans | Under 10 loans | 20.0% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 11.1% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Genesis Capital, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NMSI, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| San Mateo Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 58.8% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Provident Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Fidelity Lending Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SOUTH RIVER MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SAN FRANCISCO FIRE CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HIGHTECHLENDING INC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| HomeTrust Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 5TH STREET CAPITAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of the Orient | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERIWEST | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Northern Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Umpqua Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T. J. FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Mechanics Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| River City Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Archwest Funding | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 87.5% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 83.3% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Provident Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Hingham Institution for Savings, The | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amalgamated Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMET LENDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC SERVICE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Libertyville Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| F&A Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| StanCorp Mortgage Investors, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Industrial and Commercial Bank of China USA, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HABITFACTORY USA, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Woori America Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID VALLEY SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL REVERSE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300MPZDD9EFQ1E963 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Village Bank and Trust, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL FUNDING SLC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SNAPFI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Open Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM Real Estate Finance, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LINCOLN NATIONAL LIFE INSURANCE COMPANY | 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 56 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.