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Mortgage Brokers · San Francisco, CA/Updated June 13, 2026

The 10 Best Mortgage Brokers in San Francisco, CA

Navigating the mortgage market in San Francisco can be challenging. Our rankings highlight the best brokers to help you secure financing.

Editorially independent10 companies evaluated
cover story
★ Editor's ChoiceFif Ghobadian at OriginPoint (NMLS #110501)
96Score
Latest update · June 13, 2026: Initial ranking published. 10 San Francisco-metro mortgage brokers businesses evaluated, top 10 ranked by Vetted Score.

Finding the right mortgage broker in San Francisco is crucial in a competitive housing market. With home prices soaring, having a knowledgeable partner can make all the difference in securing favorable terms.

We evaluated ten local mortgage brokers based on their customer reviews and overall performance. Our list showcases brokers with proven track records, ensuring you have access to reliable options when it's time to finance your home.

10mortgage brokers evaluated in San Francisco
4.98average rating across the field
1.1Kcustomer reviews analyzed

Cityvetted analysis of public Google review data, updated June 13, 2026.

How much does mortgage brokers cost in San Francisco? See the price breakdown →

Our top picks

At a glance · three categories
★ Editor's Choice
96Score

Fif Ghobadian at OriginPoint (NMLS #110501)

★★★★★5.0(197 reviews)

With a perfect 5-star rating from 197 reviews, Fif Ghobadian at OriginPoint is celebrated for his personalized service and deep understanding of the San Francisco market.

Read full review
Best Value
95Score

Mike Koran - Primary Residential Mortgage Inc

★★★★★5.0(166 reviews)

Mike Koran has earned a 5-star rating across 166 reviews, with clients praising his competitive rates and thorough explanations of mortgage options.

Read full review
Most Reviewed
94Score

SunnyHill Financial

★★★★★4.9(379 reviews)

SunnyHill Financial holds a 4.9-star rating from 379 reviews, making it one of the most reviewed mortgage brokers in San Francisco.

Read full review

All 10, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
96Score
5.0★★★★★
197Personalized mortgage solutions
2
95Score
5.0★★★★★
166First-time homebuyers
3
SunnyHill Financial
SunnyHill Financial
Most Reviewed
94Score
4.9★★★★★
379Diverse mortgage options
4
92Score
5.0★★★★★
134Tech-savvy clients
5
90Score
5.0★★★★★
60Multi-family property financing
6
89Score
5.0★★★★★
50Rate-conscious borrowers
7
88Score
5.0★★★★★
49First-time buyers needing guidance
8
87Score
4.9★★★★★
55Custom mortgage solutions
9
85Score
5.0★★★★★
37Quick loan processing
10
78Score
5.0★★★★★
6Personalized attention
Methodology

How we evaluated all 10 mortgage brokers.

To create this ranking, we analyzed customer reviews, ratings, and the number of testimonials for each broker. Our evaluation process ensures that no one pays for placement, keeping our rankings transparent and unbiased.

We refresh our list monthly, so it reflects the latest trends and performance in the San Francisco mortgage market. This way, you can trust that you're getting the most current information when choosing a broker.

The Vetted Score: six weighted factors

Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%

Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.

Full reviews

The rankings · in order
1
★ Editor's Choice

Fif Ghobadian at OriginPoint (NMLS #110501)

★★★★★5.0(197 reviews)
96Score

With a perfect 5-star rating from 197 reviews, Fif Ghobadian at OriginPoint is celebrated for his personalized service and deep understanding of the San Francisco market. Clients appreciate his responsiveness and ability to simplify complex mortgage processes. However, his popularity can lead to longer wait times for initial consultations. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is personalized mortgage solutions. It serves San Francisco, CA, with $500 to $1,000 in closing costs pricing, and the honest trade-offs are longer wait times for consultations.

Pros

  • Highly responsive
  • Personalized service
  • Expert in local market

Cons

  • Longer wait times for consultations
Best forPersonalized mortgage solutions
Service areaSan Francisco, CA
Typical pricing$500 to $1,000 in closing costs
2
Best Value

Mike Koran - Primary Residential Mortgage Inc

★★★★★5.0(166 reviews)
95Score

Mike Koran has earned a 5-star rating across 166 reviews, with clients praising his competitive rates and thorough explanations of mortgage options. He is particularly noted for his ability to find the best fit for first-time homebuyers. A potential downside is that his office can get busy, leading to occasional delays in communication.

Pros

  • Competitive rates
  • Thorough explanations
  • Great for first-time buyers

Cons

  • Busy office can delay communication
Best forFirst-time homebuyers
Service areaSan Francisco, CA
Typical pricing$400 to $900 in closing costs
3
Most Reviewed

SunnyHill Financial

★★★★★4.9(379 reviews)
94Score

SunnyHill Financial holds a 4.9-star rating from 379 reviews, making it one of the most reviewed mortgage brokers in San Francisco. Clients appreciate their transparency and the breadth of mortgage products available. However, some have noted that their processes can be slower compared to smaller firms, which might be a consideration for those in a hurry.

Pros

  • Wide range of mortgage products
  • Transparent processes
  • Highly reviewed

Cons

  • Potentially slower processes
Best forDiverse mortgage options
Service areaSan Francisco, CA
Typical pricing$600 to $1,200 in closing costs
4

SELFi, Inc.

★★★★★5.0(134 reviews)
92Score

SELFi, Inc. has a 5-star rating from 134 reviews, with clients highlighting their unique approach to online mortgage applications. This can save time and streamline the process. However, some users may prefer more personal interaction, which can be less emphasized in their online model. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is tech-savvy clients. It serves San Francisco, CA, with $500 to $1,000 in closing costs pricing, and the honest trade-offs are less personal interaction.

Pros

  • Streamlined online process
  • Quick approvals
  • User-friendly platform

Cons

  • Less personal interaction
Best forTech-savvy clients
Service areaSan Francisco, CA
Typical pricing$500 to $1,000 in closing costs
5

James W. Argo - Mortgage Banker - Residential & Multi Family Lending

★★★★★5.0(60 reviews)
90Score

James W. Argo has a 5-star rating from 60 reviews, praised for his expertise in both residential and multi-family lending. Clients appreciate his attention to detail and ability to navigate complex situations. However, the smaller number of reviews may suggest a less established presence in the market. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is multi-family property financing. It serves San Francisco, CA, with $600 to $1,200 in closing costs pricing, and the honest trade-offs are fewer reviews may indicate less experience.

Pros

  • Expert in multi-family lending
  • Attention to detail
  • Good customer service

Cons

  • Fewer reviews may indicate less experience
Best forMulti-family property financing
Service areaSan Francisco, CA
Typical pricing$600 to $1,200 in closing costs
6

Shawn Maxwell - Homepoint Lending Inc

★★★★★5.0(50 reviews)
89Score

Shawn Maxwell has a 5-star rating from 50 reviews, with clients noting his dedication to finding the best rates and terms. His clients appreciate his proactive communication style. However, the limited number of reviews might indicate a newer or smaller operation. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is rate-conscious borrowers. It serves San Francisco, CA, with $500 to $1,000 in closing costs pricing, and the honest trade-offs are limited reviews can raise questions about experience.

Pros

  • Proactive communication
  • Focus on best rates
  • Customer-oriented

Cons

  • Limited reviews can raise questions about experience
Best forRate-conscious borrowers
Service areaSan Francisco, CA
Typical pricing$500 to $1,000 in closing costs
7

Steven Hook, San Francisco Mortgage Advisor

★★★★★5.0(49 reviews)
88Score

Steven Hook has earned a 5-star rating from 49 reviews, with clients appreciating his calm demeanor and thorough explanations of mortgage products. He is known for his ability to demystify the mortgage process. However, some clients have mentioned that his availability can be limited at times. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is first-time buyers needing guidance. It serves San Francisco, CA, with $500 to $1,000 in closing costs pricing, and the honest trade-offs are limited availability.

Pros

  • Thorough explanations
  • Calm demeanor
  • Demystifies mortgage process

Cons

  • Limited availability
Best forFirst-time buyers needing guidance
Service areaSan Francisco, CA
Typical pricing$500 to $1,000 in closing costs
8

Julie Malta- Guarantee Mortgage NMLS #254124

★★★★★4.9(55 reviews)
87Score

Julie Malta has a 4.9-star rating from 55 reviews, noted for her personalized service and ability to tailor mortgage solutions to individual needs. Clients appreciate her attentiveness throughout the process. That said, the smaller review count may not provide a complete picture of her service history. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is custom mortgage solutions. It serves San Francisco, CA, with $500 to $1,000 in closing costs pricing, and the honest trade-offs are smaller review count.

Pros

  • Personalized service
  • Tailors solutions
  • Attentive

Cons

  • Smaller review count
Best forCustom mortgage solutions
Service areaSan Francisco, CA
Typical pricing$500 to $1,000 in closing costs
9

Guarantee Mortgage

★★★★★5.0(37 reviews)
85Score

Guarantee Mortgage has a 5-star rating from 37 reviews, with clients praising their reliability and straightforward processes. They are known for their ability to close loans quickly. However, the lower number of reviews may suggest less visibility in the competitive San Francisco market. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is quick loan processing. It serves San Francisco, CA, with $500 to $1,000 in closing costs pricing, and the honest trade-offs are fewer reviews suggest lower visibility.

Pros

  • Reliable service
  • Quick loan closings
  • Straightforward processes

Cons

  • Fewer reviews suggest lower visibility
Best forQuick loan processing
Service areaSan Francisco, CA
Typical pricing$500 to $1,000 in closing costs
10

PRO Mortgage: Jacob Driscoll, San Francisco

★★★★★5.0(6 reviews)
78Score

With a 5-star rating from just 6 reviews, Jacob Driscoll at PRO Mortgage is promising but unproven. Clients appreciate his attentive service and willingness to work through challenges. However, the small review base makes it difficult to assess consistency over time. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is personalized attention. It serves San Francisco, CA, with $500 to $1,000 in closing costs pricing, and the honest trade-offs are limited reviews raise concerns about consistency.

Pros

  • Attentive service
  • Willing to work through challenges

Cons

  • Limited reviews raise concerns about consistency
Best forPersonalized attention
Service areaSan Francisco, CA
Typical pricing$500 to $1,000 in closing costs
Before you book

How to choose a mortgage broker in San Francisco

Selecting the right mortgage broker involves asking the right questions to ensure they meet your needs. Here are three essential considerations to guide your decision.

Experience with local markets

Ask about their familiarity with the San Francisco housing market and how they have helped clients in similar situations.

Availability and communication

Find out how accessible they are during the process and what their preferred communication methods are.

Loan options and terms

Inquire about the variety of loan products they offer and how they can tailor them to fit your financial situation.

What it costs

What mortgage brokers cost in San Francisco

The cost of hiring a mortgage broker in San Francisco can vary. Here’s a breakdown of what you might expect to pay based on different factors.

Standard commission-based feesTypically range from 0.5% to 2% of the loan amount, depending on the broker and the complexity of your mortgage.
Flat feesSome brokers may charge a flat fee, which can range from $1,000 to $3,000, regardless of the loan size.
Hourly consulting ratesFor those who prefer consultation, hourly rates can range from $150 to $300, depending on the broker's experience.
No-cost optionsCertain brokers may offer no-cost services, where they are compensated by lenders, but be mindful of potential trade-offs.

Frequently asked questions

How much does mortgage brokering cost in San Francisco?

Fees for mortgage brokers in San Francisco typically range from 1% to 2% of the loan amount, depending on the broker and complexity of the loan.

What is the average mortgage rate in San Francisco?

As of October 2023, average mortgage rates in San Francisco are around 7.5%, but this can vary based on individual credit scores and loan types.

How often is this ranking updated?

We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.

Our verdict

For most San Francisco homebuyers: <strong>Fif Ghobadian at OriginPoint</strong>

Fif Ghobadian at OriginPoint is the best choice for most homebuyers due to his outstanding 5-star rating from 197 reviews, indicating a strong track record. If you prefer alternatives, consider Mike Koran - Primary Residential Mortgage Inc, especially if you want a second opinion or a different approach, given his equally high rating of 5 stars with 166 reviews. For those looking for a slightly broader range of options, SunnyHill Financial offers a solid 4.9-star rating from 379 reviews and may be a good fit for clients needing additional support or specific loan types.