Top Picks · San Francisco
Best Mortgage Brokers in San Francisco, CA
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of May 2026, RatingsNearMe ranks 19 mortgage brokers in San Francisco, CA by verified customer ratings and review volume. The highest-rated is General Mortgage Capital Corporation - Burlingame with a 4.9-star rating from 384 verified reviews. Also in the top tier: SunnyHill Financial and Bridgepoint Funding, Inc.. The average rating across all listed mortgage brokers in San Francisco is 5 stars from 113 reviews per business on average.
Mortgage brokers in San Francisco: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
19
Businesses listed
5★
Avg rating
113
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
General Mortgage Capital Corporation - Burlingame
1350 Old Bayshore Hwy #740, Burlingame, CA 94010, USA
SunnyHill Financial
600 California St Suite 12-032, San Francisco, CA 94108, USA
Bridgepoint Funding, Inc.
3478 Buskirk Ave # 1000, Pleasant Hill, CA 94523, USA
Mortgage Brokers Rankings in San Francisco, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | General Mortgage Capital Corporation - Burlingame1350 Old Bayshore Hwy #740, Burlingame, CA 94010, USA | 4.9★ | 384 |
| #2 | SunnyHill Financial600 California St Suite 12-032, San Francisco, CA 94108, USA | 4.9★ | 376 |
| #3 | Bridgepoint Funding, Inc.3478 Buskirk Ave # 1000, Pleasant Hill, CA 94523, USA | 5.0★ | 256 |
| #4 | Agent SF Mortgage Loans & Luxury Real Estate Agents222 Columbus Ave, San Francisco, CA 94133, USA | 5.0★ | 4 |
| #5 | James W. Argo - Mortgage Banker - Residential & Multi Family Lending232 Townsend St, San Francisco, CA 94107, USA | 5.0★ | 59 |
| #6 | Mike Koran - Primary Residential Mortgage Inc1746 18th St, San Francisco, CA 94107, USA | 5.0★ | 157 |
| #7 | Chestnut Mortgage2261 Market St Ste 86346, San Francisco, CA 94114, USA | 5.0★ | 51 |
| #8 | Sean Byrne - Mortgage Advisor2147 Union St, San Francisco, CA 94123, USA | 5.0★ | 29 |
| #9 | Shawn Maxwell - Homepoint Lending Inc945 Market St Suite 501, San Francisco, CA 94103, USA | 5.0★ | 44 |
| #10 | Home Loans by Orlando232 Townsend St, San Francisco, CA 94107, USA | 5.0★ | 37 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in San Francisco
Agent SF Mortgage Loans & Luxury Real Estate Agents
222 Columbus Ave, San Francisco, CA 94133, USA
James W. Argo - Mortgage Banker - Residential & Multi Family Lending
232 Townsend St, San Francisco, CA 94107, USA
Mike Koran - Primary Residential Mortgage Inc
1746 18th St, San Francisco, CA 94107, USA
Chestnut Mortgage
2261 Market St Ste 86346, San Francisco, CA 94114, USA
Sean Byrne - Mortgage Advisor
2147 Union St, San Francisco, CA 94123, USA
Shawn Maxwell - Homepoint Lending Inc
945 Market St Suite 501, San Francisco, CA 94103, USA
Home Loans by Orlando
232 Townsend St, San Francisco, CA 94107, USA
Tom Banducci at Cornerstone First Mortgage (NMLS #290222)
315 Montgomery St Ste 933, San Francisco, CA 94104, USA
Guarantee Mortgage
505 Montgomery St #1275, San Francisco, CA 94111, USA
Julie Malta- Guarantee Mortgage NMLS #254124
232 Townsend St, San Francisco, CA 94107, USA
Peter Barnes at CrossCountry Mortgage
1577 Solano Ave, Berkeley, CA 94707, USA
Mortgage Connection
1435 Huntington Ave #102, South San Francisco, CA 94080, USA
Fif Ghobadian at OriginPoint (NMLS #110501)
345 California St Suites 600, San Francisco, CA 94104, USA
Steven Hook, San Francisco Mortgage Advisor
Ferry Building, 1st St Suite 270, San Francisco, CA 94111, USA
Primary Residential Mortgage, Inc.
1746 18th St, San Francisco, CA 94103, USA
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Frequently Asked Questions — Mortgage Brokers in San Francisco
What does a mortgage broker do differently than going directly to a bank in San Francisco?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in San Francisco?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in CA?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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