Mortgage lending in San Diego County
52,503 mortgages were originated in San Diego County, California, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 52,503
- Median rate
- 6.625%
- Median lender fees
- $7,398
- Median loan amount
- $525,000
- Median spread over APOR
- 0.190
- Paid discount points
- 28.3%
- Received lender credits
- 28.3%
- Purchases / refinances
- 40.7% / 38.5%
- Conventional / FHA / VA
- 83.3% / 6% / 10.7%
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 66.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,104,000
- FHA limit
- $1,104,000
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
Who lent here
Lenders with at least 50 loans in San Diego County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 7,078 | $9,193 | 6.295% |
| Rocket Mortgage, LLC | 3,920 | $5,426 | 6.625% |
| Navy Federal Credit Union | 2,042 | — | 8.000% |
| MISSION | 1,940 | $5,714 | 6.990% |
| U.S. Bank National Association | 1,867 | $4,821 | 6.750% |
| PENNYMAC LOAN SERVICES, LLC | 1,391 | $8,357 | 6.499% |
| CROSSCOUNTRY MORTGAGE, INC. | 1,368 | $9,515 | 6.625% |
| Bank of America, National Association | 1,246 | $6,844 | 5.990% |
| JPMorgan Chase Bank, National Association | 1,220 | $4,286 | 6.125% |
| California Coast Credit Union | 1,172 | — | 7.500% |
What lenders charged here
Lender fees on a $525,000 loan, based on what was actually charged in San Diego County — not a rule of thumb.
From 35,080 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers