Mortgage lending in San Bernardino County
35,747 mortgages were originated in San Bernardino 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
- 35,747
- Median rate
- 6.625%
- Median lender fees
- $8,437
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
- $355,000
- Above the going rate (spread over APOR)
- 0.430
- Paid discount points
- 38%
- Received lender credits
- 25.7%
- Purchases / refinances
- 48.1% / 34%
- Conventional / FHA / VA
- 73.6% / 20% / 6.3%
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 71.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $690,000
- Median home price
- $600,000
- That home, 20% down
- $480,000
A median-priced home with 20% down leaves $352,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. 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 Bernardino County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 4,126 | $11,823 | 6.450% |
| Rocket Mortgage, LLC | 2,802 | $5,958 | 6.750% |
| Schoolsfirst | 1,725 | — | 6.750% |
| Ocmbc, Inc. | 1,192 | $14,984 | 6.625% |
| Loandepot.Com, LLC | 866 | $7,054 | 6.625% |
| Lennar Mortgage, LLC | 763 | $7,585 | 4.625% |
| U.S. Bank National Association | 673 | $3,851 | 7.700% |
| Bank of America, National Association | 667 | $5,441 | 6.240% |
| Paramount Residential Mortgage Group, Inc. | 650 | $13,021 | 6.500% |
| Pennymac Loan Services, LLC | 634 | $7,104 | 6.625% |
What lenders charged here
Lender fees on a $355,000 loan, based on what was actually charged in San Bernardino County — not a rule of thumb.
From 25,706 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