Mortgage lending in San Francisco County
8,060 mortgages were originated in San Francisco 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
- 8,060
- Median rate
- 6.375%
- Median lender fees
- $6,832
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
- $805,000
- Above the going rate (spread over APOR)
- 0.004
- Paid discount points
- 19.1%
- Received lender credits
- 36.2%
- Purchases / refinances
- 51.9% / 35%
- Conventional / FHA / VA
- 98.5% / 1% / 0.5%
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 70.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,249,125
- FHA limit
- $1,249,125
- Median home price
- $1,750,000
- That home, 20% down
- $1,400,000
A median-priced home here needs more than the conforming limit even with 20% down — $150,875 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 Francisco County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | 687 | $5,987 | 6.125% |
| Bank of America, National Association | 508 | $6,980 | 5.990% |
| Wells Fargo Bank, National Association | 472 | $8,019 | 5.750% |
| U.S. Bank National Association | 413 | $5,751 | 6.000% |
| Rocket Mortgage, LLC | 405 | $5,681 | 6.500% |
| Redwood | 399 | $9,297 | 6.250% |
| United Shore Financial Services, LLC | 335 | $7,425 | 6.500% |
| Citibank, National Association | 266 | $6,533 | 5.750% |
| Guaranteed Rate, Inc. | 167 | $7,274 | 6.500% |
| Morgan Stanley Private Bank, National Association | 144 | $5,406 | 5.700% |
What lenders charged here
Lender fees on a $805,000 loan, based on what was actually charged in San Francisco County — not a rule of thumb.
From 5,668 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