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The 10 Best Mortgage Brokers in San Francisco (2026)
This list ranks the top mortgage brokers and lenders in the San Francisco area using a Bayesian-weighted score based on Google ratings and review volume, updated for 2026. We prioritize consistent high scores backed by meaningful numbers of reviews to balance small-sample extremes. San Francisco home buyers and refinancers face a dense, competitive market and often look to brokers and lenders across the Bay Area for options and guidance. This roundup highlights firms with the strongest Google reputations so you can focus follow-up research and interviews on the names that consistently earn positive feedback.
This ranking is computed from Google reviews (our method). Listings marked Partner are paid advertising spots: they sit alongside the ranking without changing its order.
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Vic Joshi’s Straight Deal Mortgage
Vic Joshi’s Straight Deal Mortgage tops our ranking with a perfect 5.0 Google rating and 227 reviews, the largest review total in this list. That combination of a flawless average and substantial review volume gives it the highest Bayesian-weighted score in our methodology. The firm’s Google category is listed as Mortgage broker and the address is in Oakland, reflecting its Bay Area presence.
The full ranking
Reliance Financial – California Mortgage Brokers & Mortgage Lenders Dublin CA
This Dublin-based entry shows a 5.0 Google rating with 200 reviews and is categorized as a Mortgage broker, giving it strong standing from both score and review volume.
200 reviews
Fif Ghobadian at OriginPoint (NMLS #110501)
Listed as a Mortgage lender in San Francisco, this listing carries a 5.0 Google rating with 195 reviews, making it one of the most-reviewed perfect scores in the city.
195 reviews
Mike Koran – Primary Residential Mortgage Inc
With a 5.0 rating and 166 reviews, this Mortgage lender is based in San Francisco and ranks highly thanks to its combination of excellent feedback and review quantity.
166 reviews
SELFi, Inc.
SELFi, Inc. appears on Google as a Mortgage broker in San Francisco with a 5.0 rating from 134 reviews, reflecting consistent positive ratings across a substantial number of reviewers.
134 reviews
Primary Residential Mortgage, Inc.
This San Francisco listing is categorized as a Mortgage lender and holds a 5.0 Google rating with 84 reviews, giving it a strong weighted score among lenders.
84 reviews
Fresh Home Loan Inc – Independent Mortgage Brokers – Garrick Werdmuller
Located in Alameda and listed as a Mortgage broker, this entry has a 5.0 rating from 62 Google reviews, combining a perfect score with a mid-range review count.
62 reviews
James W. Argo – Mortgage Banker – Residential & Multi Family Lending
This San Francisco Mortgage lender has a 5.0 Google rating based on 60 reviews, placing it among the well-reviewed lender listings in the area.
60 reviews
Chestnut Mortgage
Chestnut Mortgage is listed as a Mortgage lender in San Francisco with a perfect 5.0 rating from 51 reviews, giving it a solid position in our review-weighted ranking.
51 reviews
Shawn Maxwell – Homepoint Lending Inc
Appearing as a Mortgage broker in San Francisco, this listing shows a 5.0 Google rating with 50 reviews, rounding out the top ten with a flawless average and meaningful reviewer support.
50 reviews
Frequently asked questions
How should I choose between a mortgage broker and a mortgage lender?
Decide based on whether you want access to multiple products (brokers typically shop many lenders) or prefer working directly with a single lender. Compare rates, loan programs, fees, and the professional’s communication style, and ask for references or recent client examples before deciding.
What fees or costs should I expect when working with a mortgage broker?
Brokers may charge an origination fee, broker fee, or be paid a commission by the lender; lenders will have their own fees and closing costs. Always request a Loan Estimate or written fee breakdown early so you can compare total costs across options.
What should I check before hiring a mortgage broker or lender?
Verify credentials such as NMLS registration, read recent reviews, confirm fee structures, and ask about the loan programs they most commonly handle. Also check turnaround times, required documentation, and how they communicate updates during the process.
How was this ranking of mortgage brokers determined?
The list is based on Google ratings processed with a Bayesian-weighted score that balances average rating and review count, updated for 2026. That approach favors listings with both high averages and meaningful numbers of reviews to reduce small-sample distortion.