Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for San Francisco County, California
Every institution that decided a 1–4 unit mortgage application in San Francisco County between 2023 and 2025: 22,455 applications, 17,972 loans actually funded, across 8 kinds of borrowing.
San Francisco County at a glance
22,455Applications decided
2023–2025
17,972Loans funded
80% of decisions
242Census tracts
27 ZIP codes
836,321People
ACS 2023
What the data shows
Lenders approved 92.7% of home-purchase applications in San Francisco County, 4.2 points above the California rate.
The typical purchase mortgage here is $905K.
Investment home improvement is the hardest money to get here: lenders approved 50% of 267 applications.
Lending by loan type in San Francisco County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.7% | 11,237 | $905K | 97% | 331 |
| Home improvement loans | 58.2% | 2,285 | $255K | 89% | 122 |
| Cash-out refinance | 70.5% | 2,172 | $415K | 93% | 211 |
| Refinance | 82.1% | 3,423 | $795K | 96% | 248 |
| Investment property purchase | 87.8% | 1,413 | $835K | 97% | 199 |
| Investment cash-out refinance | 74.1% | 700 | $625K | 93% | 159 |
| Investment refinance | 80.1% | 958 | $645K | 95% | 176 |
| Investment home improvement | 49.8% | 267 | $265K | 86% | 53 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.