Mortgage lending in San Joaquin County
13,656 mortgages were originated in San Joaquin 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
- 13,656
- Median rate
- 6.556%
- Median lender fees
- $6,825
- Median loan amount
- $395,000
- Median spread over APOR
- 0.259
- Paid discount points
- 42.7%
- Received lender credits
- 26.3%
- Purchases / refinances
- 53.6% / 30.3%
- Conventional / FHA / VA
- 80.2% / 15.6% / 4.2%
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 73% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $678,500
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in San Joaquin County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,686 | $10,496 | 6.375% |
| Rocket Mortgage, LLC | 1,145 | $4,345 | 6.750% |
| LENNAR MORTGAGE, LLC | 727 | $6,882 | 4.990% |
| Loandepot.Com, LLC | 544 | $7,068 | 6.250% |
| THE LOAN STORE, INC. | 302 | $5,554 | 6.625% |
| PENNYMAC LOAN SERVICES, LLC | 275 | $5,754 | 6.490% |
| U.S. Bank National Association | 258 | $4,609 | 6.750% |
| THE GOLDEN 1 | 242 | $3,917 | 7.750% |
| Bank of America, National Association | 225 | $4,937 | 6.240% |
| CROSSCOUNTRY MORTGAGE, INC. | 215 | $9,521 | 6.750% |
What lenders charged here
Lender fees on a $395,000 loan, based on what was actually charged in San Joaquin County — not a rule of thumb.
From 9,973 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