Mortgage lending in Oakland-Fremont-Berkeley, CA
41,868 mortgages were originated in the Oakland-Fremont-Berkeley, CA area in 2025, and here is what they cost.
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
- 41,868
- Median rate
- 6.500%
- Median lender fees
- $6,491
- Median loan amount
- $565,000
- Median spread over APOR
- 0.140
- Paid discount points
- 23.3%
- Received lender credits
- 35.3%
- Purchases / refinances
- 44.3% / 38.1%
- Conventional / FHA / VA
- 92.7% / 5.4% / 1.9%
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 69.4% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Oakland-Fremont-Berkeley, CA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 3,255 | $4,483 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3,240 | $8,215 | 6.499% |
| Bank of America, National Association | 2,296 | $5,570 | 5.990% |
| U.S. Bank National Association | 1,731 | $4,689 | 6.125% |
| CROSSCOUNTRY MORTGAGE, INC. | 1,461 | $7,741 | 6.700% |
| Wells Fargo Bank, National Association | 1,404 | $7,496 | 5.750% |
| JPMorgan Chase Bank, National Association | 1,393 | $2,980 | 6.125% |
| Fremont Bank | 1,111 | $595 | 8.250% |
| Citibank, National Association | 1,072 | $3,835 | 5.625% |
| Patelco Credit Union | 817 | — | 8.000% |