Published on Apr 02, 2025 5 min read

Top 10 Best San Francisco Mortgage Lenders for Your Dream Home

Finding the right mortgage lender is one of the most important steps when buying a home in San Francisco. With so many options available, it can be hard to know where to start. The right lender can offer competitive rates, excellent customer service, and tailored loan options to meet your needs. Whether youre a first-time homebuyer or looking to refinance, this guide will help you explore the top 10 mortgage lenders in San Francisco. Get ready to take one step closer to your dream home!

Wells Fargo

Wells Fargo is no stranger to the mortgage business; it avails diverse types of loans depending on the clients desire. One of the largest banks in San Francisco, Wells Fargo offers both basic home purchase loans, and niche programs, such as jumbo loans for higher SF prices. The bank also provides online solutions to support the process which enable persons applying for the loan to monitor the status of the mortgage.

With competitive rates and extensive knowledge of the local market, Wells Fargo remains a top choice for homebuyers in the area.

2. Chase

Chase is another popular company on the mortgage market, known for successful cooperation and mid-ranged interest rate. They provide different types of loans; this consists of preferred-government insured loans which are FHA/VA loans. They also have a wide variety of products other than the conventional mortgage products but including first-time, homebuyer and refinancing mortgages. Having branch established in San Francisco and online services offered, one can always get a right loan for him.

3. Bank of America

Bank of America is a leading mortgage lender in San Francisco, offering both fixed-rate and adjustable-rate mortgages at competitive rates. They also provide specialized programs for low to moderate-income borrowers, making homeownership more accessible for those in the city. In addition, Bank of America offers digital tools and resources to assist borrowers throughout the mortgage process.

With a strong reputation and a focus on community involvement, Bank of America is a top choice for homebuyers in San Francisco.

4. Citi

Citi is another top mortgage lender with a strong presence in San Francisco. The bank offers conventional mortgages as well as specialized loan programs for first-time homebuyers and military members. Citi also provides online services and resources to help borrowers track their application progress and manage their mortgage once approved.

With competitive rates and responsive customer service, Citi is a reliable option for those looking to secure a mortgage in San Francisco.

5. US Bank

US Bank is a national lender with a notable presence in San Francisco, offering competitive rates and personalized loan options to meet individual needs. In addition to traditional mortgages, they also provide government-backed loans and jumbo loans for higher-priced properties in the city. With online services available and an easy-to-use website, US Bank makes it convenient for borrowers to apply for a mortgage and manage their loan once approved.

6. Union Bank

Union Bank has a strong local presence in California, making it a trusted mortgage lender for San Francisco residents. The bank offers a variety of loan products, including fixed and adjustable-rate mortgages, jumbo loans, and programs tailored for first-time homebuyers. Union Bank is known for its personalized approach, offering dedicated loan officers who guide borrowers through every step of the mortgage process.

With a deep understanding of the local housing market and a reputation for excellent customer service, Union Bank is a solid choice for those seeking a mortgage in San Francisco. Additionally, the bank provides online tools to simplify the application and approval process, ensuring a seamless experience for homebuyers.

7. Quicken Loans (Rocket Mortgage)

Quicken Loans, operating under the Rocket Mortgage platform, is a popular choice for tech-savvy borrowers in San Francisco. Known for its fully online mortgage experience, Rocket Mortgage allows homebuyers to apply, track progress, and get assistance entirely through its intuitive digital platform.

Quicken Loans offers competitive rates and various loan options, including conventional mortgages, FHA loans, and VA loans. Their innovative approach to lending ensures faster approvals and a transparent process, making them a go-to lender for those seeking efficiency and convenience when purchasing or refinancing a home in San Francisco.

8. Guaranteed Rate

Guaranteed Rate is a top-rated mortgage lender in San Francisco, offering competitive rates and personalized loan options to meet individual needs. The bank provides various government-backed loans, including FHA and VA loans, as well as jumbo loans for higher-priced properties. With a focus on customer satisfaction, Guaranteed Rate offers online services and resources to make the mortgage process seamless and stress-free.

9. LoanDepot

LoanDepot is another popular choice for those seeking an online mortgage experience in San Francisco. The lender offers various loan options, including conventional mortgages, jumbo loans, and specialized programs for first-time homebuyers and military members.

With a strong reputation for customer service and competitive rates, LoanDepot is a trusted option for homebuyers in the city. Their digital platform makes it easy to apply and track progress, providing borrowers with a hassle-free mortgage experience.

Umpqua Bank

Umpqua Bank is a regional lender with branches located throughout California, including San Francisco. The bank offers personalized loan options, including fixed and adjustable-rate mortgages and government-backed loans like FHA and VA loans. They also provide specialized programs for low to moderate-income borrowers, making homeownership more accessible in the city's high-priced market. With an emphasis on community involvement and exceptional customer service, Umpqua Bank is a top choice for homebuyers in San Francisco.

Conclusion

San Francisco has a competitive mortgage market, with several reputable lenders offering a range of loan options to meet the diverse needs of homebuyers. Whether you prefer a traditional in-person experience or an online process, there is a mortgage lender that can help you make your dream of homeownership in the city by the bay a reality. It is essential to research and compare rates and services from different lenders before making a decision to secure the best deal for your situation. Remember to also consider factors such as customer service, community involvement, and digital tools when choosing the right lender for you.