Mortgage lending in San Benito County
1,099 mortgages were originated in San Benito County, California, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,099
- Median rate
- 6.625%
- Median lender fees
- $7,855
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $505,000
- Above the going rate (spread over APOR)
- 0.348
- Paid discount points
- 46%
- Received lender credits
- 27.6%
- Purchases / refinances
- 51.6% / 29.9%
- Conventional / FHA / VA
- 76.4% / 18.9% / 4.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 76.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,249,125
- FHA limit
- $1,249,125
- Median home price
- $1,820,000
- That home, 20% down
- $1,456,000
A median-priced home here needs more than the conforming limit even with 20% down — $206,875 more. Typical purchases here run into the ceiling.
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in San Benito County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 103 | $4,183 | 6.750% |
| United Shore Financial Services, LLC | 96 | $10,023 | 6.285% |
| Guild Mortgage Company | 65 | $9,435 | 6.438% |
| Premier Mortgage Resources, L.L.C. | 65 | $11,715 | 6.375% |
What lenders charged here
Lender fees on a $505,000 loan, based on what was actually charged in San Benito County — not a rule of thumb.
From 838 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers