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2024 data HMDA 2024 disclosure official source

San Francisco County

11,333 mortgage applications, 14.4% denial rate. Verify FIPS 06075 with U.S. Census Bureau →

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California · FIPS 06075

Local mortgage market. San Francisco County, California saw 11,333 HMDA-reported mortgage applications in 2024. Lenders originated 6,245 of those loans and denied 1,628, producing a denial rate of 14.4% and an approval (origination) rate of 55.1%. The average loan amount was $898,021 at an average note rate of 6.95%, with applicants self-reporting average annual income of $37K. 331 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 24.3x, meaning typical borrowers took on mortgages of about 24.3 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 06075 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

11,333
Applications
6,245
Originated
14.4%
Denial Rate
55.1%
Approval Rate
$898,021
Avg Loan Amount
6.95%
Avg Interest Rate
$37K
Avg Applicant Income
24.3x
Loan-to-Income Ratio

Nearby Lenders in San Francisco County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 JPMorgan Chase Bank, NA 435 7.0%
2 Bank of America NA 423 6.8%
3 Rocket Mortgage 373 6.0%
4 Wells Fargo Bank NA 355 5.7%
5 Us Bank, N.A. 328 5.3%
Compare JPMorgan Chase Bank, NA vs Bank of America NA →

Frequently Asked Questions

How many mortgage applications were filed in San Francisco County?
In the 2024 HMDA reporting year, 11,333 mortgage applications were filed in San Francisco County, California. Of these, 6,245 were originated (approved and funded), while 1,628 were denied, resulting in a denial rate of 14.4%.
What is the mortgage denial rate in San Francisco County?
The mortgage denial rate in San Francisco County is 14.4%. The approval (origination) rate is 55.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in San Francisco County?
The average mortgage loan amount in San Francisco County is $898,021. The average interest rate is 6.950%. The average applicant income is $37K.
What is the loan-to-income ratio in San Francisco County?
The average loan-to-income ratio in San Francisco County is 24.3x, meaning borrowers took on loans averaging 24.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in San Francisco County?
The top mortgage lenders in San Francisco County by origination volume are JPMorgan Chase Bank, NA, Bank of America NA, Rocket Mortgage. In total, 331 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.