San Francisco County
California · FIPS 06075
According to CFPB HMDA 2024 application volume among U.S. counties, San Francisco County ranks #259 of 3,210, and #20 of 58 in California.
Mortgage lending activity in San Francisco County, California based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in San Francisco County
In San Francisco County, lead originator JPMorgan Chase Bank, NA funded only 7.0% of 6,245 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 19.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to San Francisco County's 11,333 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to San Francisco County's $898,021 average loan (deduped against volume peers).
Lenders active in San Francisco County
JPMorgan Chase Bank, NA funded 435 of the 6,245 loans originated in San Francisco County, 7.0% of the county. 331 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for San Francisco County borrowers.
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 San Francisco County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.