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 July 2026, RatingsNearMe ranks 19 mortgage brokers in San Francisco, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is General Mortgage Capital Corporation - Burlingame with a 4.9-star rating from 384 Google reviews and an RNM Score of 98/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
General Mortgage Capital Corporation - Burlingame
This business stands out as top-ranked due to its strong reputation and comprehensive mortgage services in the San Francisco area.
Most Reviewed
General Mortgage Capital Corporation - Burlingame
A high review count indicates broad customer experience and trust, helping you gauge service reliability.
When choosing a mortgage broker in San Francisco, compare rates and fees across multiple brokers, and prioritize those with transparent communication and local market expertise.
Local Market Snapshot
19
Businesses listed
5★
Avg rating
113
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by hundreds of clients, this San Francisco broker holds a stellar 4.9-star rating.
1350 Old Bayshore Hwy #740, Burlingame, CA 94010, USATrusted by hundreds of clients with an exceptional 4.9-star rating.
600 California St Suite 12-032, San Francisco, CA 94108, USATrusted by hundreds of clients with a perfect 5.0-star rating in San Francisco.
3478 Buskirk Ave # 1000, Pleasant Hill, CA 94523, USAMortgage 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 | Tom Banducci at Cornerstone First Mortgage (NMLS #290222)315 Montgomery St Ste 933, San Francisco, CA 94104, USA | 5.0★ | 32 |
| #5 | Mortgage Connection1435 Huntington Ave #102, South San Francisco, CA 94080, USA | 5.0★ | 20 |
| #6 | Primary Residential Mortgage, Inc.1746 18th St, San Francisco, CA 94103, USA | 5.0★ | 85 |
| #7 | Fif Ghobadian at OriginPoint (NMLS #110501)345 California St Suites 600, San Francisco, CA 94104, USA | 4.9★ | 176 |
| #8 | Julie Malta- Guarantee Mortgage NMLS #254124232 Townsend St, San Francisco, CA 94107, USA | 4.9★ | 55 |
| #9 | Chestnut Mortgage2261 Market St Ste 86346, San Francisco, CA 94114, USA | 5.0★ | 51 |
| #10 | Shawn Maxwell - Homepoint Lending Inc945 Market St Suite 501, San Francisco, CA 94103, USA | 5.0★ | 44 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in San Francisco
San Francisco mortgage broker with a flawless 5.0-star rating from 32 reviews.
315 Montgomery St Ste 933, San Francisco, CA 94104, USA
Trusted San Francisco mortgage broker with a flawless 5.0-star rating from 20 reviews.
1435 Huntington Ave #102, South San Francisco, CA 94080, USA
Trusted by 85 clients with a perfect 5.0-star rating in San Francisco.
1746 18th St, San Francisco, CA 94103, USA
Top-rated San Francisco mortgage broker with 4.9 stars from 176 reviews.
345 California St Suites 600, San Francisco, CA 94104, USA
San Francisco mortgage broker with a 4.9-star rating from 55 Google reviews.
232 Townsend St, San Francisco, CA 94107, USA
5.0 stars from 51 Google reviews, reflecting exceptional client satisfaction in San Francisco.
2261 Market St Ste 86346, San Francisco, CA 94114, USA
San Francisco mortgage broker with a perfect 5.0★ rating from 44 customer reviews.
945 Market St Suite 501, San Francisco, CA 94103, USA
5.0 stars from 37 Google reviews, reflecting exceptional client satisfaction.
232 Townsend St, San Francisco, CA 94107, USA
Trusted San Francisco mortgage broker with a perfect 5.0 rating from 36 Google reviews.
505 Montgomery St #1275, San Francisco, CA 94111, USA
Top-rated San Francisco mortgage broker with a perfect 5.0★ rating from 134 reviews.
44 Montgomery St Suite 02-172, San Francisco, CA 94104, USA
5.0 stars from 29 Google reviews reflects exceptional client satisfaction.
2147 Union St, San Francisco, CA 94123, USA
Trusted local mortgage broker with a flawless 5.0★ rating from 4 reviews.
222 Columbus Ave, San Francisco, CA 94133, USA
A trusted San Francisco mortgage broker with 5.0 stars from over 160 reviews.
1577 Solano Ave, Berkeley, CA 94707, USA
Rated 5.0 stars from 157 reviews, this San Francisco mortgage broker is highly trusted.
1746 18th St, San Francisco, CA 94107, USA
59 Google reviews rate this San Francisco mortgage broker a perfect 5.0 stars.
232 Townsend St, San Francisco, CA 94107, USA
Rated 5.0 stars from 50 Google reviews in San Francisco.
Ferry Building, 1st St Suite 270, San Francisco, CA 94111, USA
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Mortgage Brokers in San Francisco, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | General Mortgage Capital Corporation - Burlingame | 98/100 | 4.9 ★ | 384 |
| 2 | SunnyHill Financial | 98/100 | 4.9 ★ | 376 |
| 3 | Bridgepoint Funding, Inc. | 100/100 | 5.0 ★ | 256 |
| 4 | Tom Banducci at Cornerstone First Mortgage (NMLS #290222) | 89/100 | 5.0 ★ | 32 |
| 5 | Mortgage Connection | 87/100 | 5.0 ★ | 20 |
| 6 | Primary Residential Mortgage, Inc. | 94/100 | 5.0 ★ | 85 |
| 7 | Fif Ghobadian at OriginPoint (NMLS #110501) | 96/100 | 4.9 ★ | 176 |
| 8 | Julie Malta- Guarantee Mortgage NMLS #254124 | 90/100 | 4.9 ★ | 55 |
| 9 | Chestnut Mortgage | 91/100 | 5.0 ★ | 51 |
| 10 | Shawn Maxwell - Homepoint Lending Inc | 91/100 | 5.0 ★ | 44 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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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: July 4, 2026.
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