Mortgage lending in Santa Clara County
25,551 mortgages were originated in Santa Clara 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
- 25,551
- Median rate
- 6.240%
- Median lender fees
- $4,666
- Median loan amount
- $905,000
- Median spread over APOR
- -0.068
- Paid discount points
- 13.8%
- Received lender credits
- 47.4%
- Purchases / refinances
- 41.9% / 42.6%
- Conventional / FHA / VA
- 97.8% / 1.5% / 0.7%
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 71.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,249,125
- FHA limit
- $1,249,125
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 Santa Clara County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Wells Fargo Bank, National Association | 2,679 | $6,134 | 5.500% |
| Bank of America, National Association | 2,383 | $4,518 | 5.625% |
| Rocket Mortgage, LLC | 1,514 | $3,245 | 6.625% |
| U.S. Bank National Association | 1,347 | $4,352 | 6.000% |
| Citibank, National Association | 1,316 | $3,887 | 5.500% |
| JPMorgan Chase Bank, National Association | 1,069 | $1,609 | 5.875% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,045 | $5,194 | 6.499% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 786 | $4,952 | 5.817% |
| STAR ONE Credit Union | 689 | $2,525 | 6.750% |
| BMO Bank National Association | 503 | $4,711 | 6.125% |
What lenders charged here
Lender fees on a $905,000 loan, based on what was actually charged in Santa Clara County — not a rule of thumb.
From 18,310 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