Mortgage lending in San Francisco County, California
Lenders in San Francisco County, California reported 12,923 mortgage applications for 2025, according to the CFPB.
12,923 mortgage applications and 8,062 loans originated in 2025; the denial rate was 16.4% of 10,130 applications decided. The median loan was about $805,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: San Francisco, CA HUD Metro FMR Area.
- 12,923
- Applications
- 8,062
- Loans originated
- 16.4%
- Denial rate
- 1,663 denied of 10,130 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 12,923 | 8,062 |
| 2024 | 10,485 | 6,254 |
| 2023 | 9,218 | 5,766 |
| 2022 | 19,329 | 12,963 |
| 2021 | 46,149 | 31,423 |
| 2020 | 43,618 | 28,503 |
| 2019 | 26,829 | 17,541 |
| 2018 | 22,683 | 14,275 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| JPMorgan Chase Bank, NA | 687 | 997 |
| Bank of America NA | 508 | 936 |
| Wells Fargo Bank NA | 472 | 695 |
| US Bank, N.A. | 413 | 651 |
| Rocket Mortgage | 405 | 579 |
| Redwood Credit Union | 399 | 463 |
| United Wholesale Mortgage | 335 | 465 |
| Citibank, NA | 266 | 492 |
| Guaranteed Rate, Inc. | 167 | 292 |
| Morgan Stanley Private Bank NA | 144 | 169 |
| First Ciitizens Bank and Trust | 141 | 155 |
| East West Bank | 136 | 200 |
| General Mortgage Capital Corporation | 130 | 152 |
| Citizens Bank, NA | 126 | 162 |
| Crosscountry Mortgage, LLC | 122 | 188 |
| Charles Schwab Bank, SSB | 108 | 120 |
| Originpoint, LLC | 97 | 161 |
| AmWest Funding Corp | 93 | 118 |
| HSBC Bank USA, NA | 91 | 128 |
| Pennymac Loan Services LLC | 81 | 138 |
| PNC Bank N.A. | 80 | 139 |
| National Cooperative Bank, N.A. | 77 | 87 |
| BMO Harris Bank NA | 74 | 190 |
| The Golden 1 Credit Union | 73 | 137 |
| San Francisco Fire Credit Union | 68 | 83 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 48 | no rate: base under 50 |
| Asian | 3,836 | 16.0% of 2,981 decided |
| Black or African American | 268 | 27.5% of 204 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 4,702 | 15.8% of 3,764 decided |
| 2 or more minority races | 32 | no rate: base under 50 |
| Joint | 787 | 10.8% of 641 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 3,230 | 17.8% of 2,459 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 722 | 22.3% of 564 decided |
| Not Hispanic or Latino | 8,823 | 15.6% of 6,989 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,955 | 18.3% of 2,245 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,045 | 19.4% of 3,099 decided |
| Female | 2,520 | 19.9% of 1,992 decided |
| Joint | 4,631 | 11.8% of 3,748 decided |
| Sex Not Available | 1,727 | 17.2% of 1,291 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved