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San Francisco County, California · 2025

Mortgage lenders in San Francisco County, CA: denial rates and top lenders (2025)

420 lenders acted on 12,923 mortgage applications for properties in San Francisco County in 2025. 12.9% were denied (California: 17.4%). Median rate on closed loans 6.38%; median loan $705,000; median property value $1,495,000.

13kApplications
12.9%Denial ratestate 17.4%
6.38%Median ratestate 6.63%
$705,000Median loan
$1,495,000Median property value

Largest lenders in San Francisco County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 JPMorgan Chase Bank B 997687 7.8%6.13%
2 Bank of America F 936508 23.6%5.99%
3 Wells Fargo Bank B 695472 6.0%5.75%
4 U.S. Bank D 651413 16.7%6.00%
5 Rocket Mortgage C 579405 18.0%6.50%
6 Citibank B 492266 7.7%5.75%
7 United Shore Financial Services B 465335 11.6%6.50%
8 Redwood C 463399 5.2%6.25%
9 Guaranteed Rate B 292167 3.1%6.50%
10 East West Bank B 200136 7.5%6.50%
11 BMO Bank F 19074 39.0%6.88%
12 Crosscountry Mortgage B 188122 1.6%6.75%
13 Morgan Stanley Private Bank A 169144 1.8%5.70%
14 Citizens Bank C 162126 1.9%5.70%
15 OriginPoint B 16197 2.5%6.75%
16 First-Citizens Bank & Trust B 155141 1.3%5.63%
17 Patelco Credit Union C 15564 11.0%8.00%
18 General Mortgage Capital A 152130 0.7%6.62%
19 Coastal Community Bank C 14917 2.0%9.24%
20 PNC Bank D 13980 18.0%6.06%
21 Pennymac Loan Services C 13881 22.5%6.62%
22 The Golden 1 D 13773 32.9%7.00%
23 HSBC Bank USA B 12891 3.1%5.95%
24 Spring Eq D 12426 50.8%7.96%
25 Broker Solutions D 12359 7.3%6.81%

Best approval odds in San Francisco County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Conventus550.0%
2General Mortgage Capital1330.8%
3National Cooperative Bank781.3%
4First-Citizens Bank & Trust1431.4%
5Morgan Stanley Private Bank1502.0%
6Citizens Bank1312.3%
7Crosscountry Mortgage1302.3%
8Coastal Community Bank1032.9%
9OriginPoint1014.0%
10AMWEST Funding974.1%

What San Francisco County borrowers applied for

By loan purpose

Home purchase 5,627 44% · 6.2% denied
Refinance 3,053 24% · 11.5% denied
Cash-out refinance 1,749 14% · 18.5% denied
Home improvement 1,094 8% · 30.6% denied
Other / HELOC 1,400 11% · 21.9% denied

By loan type

Conventional 12,663 98% · 12.8% denied
FHA 177 1% · 19.2% denied
VA 81 1% · 17.3% denied
USDA / RHS 2 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 645 39%
Collateral 381 23%
Incomplete application 202 12%
Credit history 154 9%
Other 149 9%
Unverifiable information 73 4%
Insufficient cash 31 2%
Employment history 13 1%

San Francisco County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20239,2185,76615.6%6.50%$675,000
202410,4856,25415.5%6.63%$675,000
202512,9238,06212.9%6.38%$705,000

Frequently asked questions

12.9% of applications in San Francisco County were denied in 2025, against 17.4% statewide in California.

JPMorgan Chase Bank, with 997 applications in 2025 and a denial rate of 7.8%.

The median mortgage application in San Francisco County in 2025 was for $705,000; the median property value on originated loans was $1,495,000.