Mortgage lending in San Francisco-San Mateo-Redwood City, CA
17,772 mortgages were originated in the San Francisco-San Mateo-Redwood City, 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
- 17,772
- Median rate
- 6.375%
- Median lender fees
- $6,741
- Median loan amount
- $815,000
- Median spread over APOR
- 0.007
- Paid discount points
- 17.5%
- Received lender credits
- 38.5%
- Purchases / refinances
- 47.3% / 38.1%
- Conventional / FHA / VA
- 97.9% / 1.5% / 0.6%
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% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the San Francisco-San Mateo-Redwood City, CA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Bank of America, National Association | 1,314 | $7,101 | 5.900% |
| JPMorgan Chase Bank, National Association | 1,270 | $5,695 | 6.000% |
| Wells Fargo Bank, National Association | 1,220 | $8,317 | 5.625% |
| Rocket Mortgage, LLC | 979 | $5,280 | 6.500% |
| U.S. Bank National Association | 904 | $5,572 | 6.000% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 850 | $7,753 | 6.500% |
| Citibank, National Association | 583 | $5,219 | 5.625% |
| REDWOOD | 425 | $9,274 | 6.250% |
| GUARANTEED RATE, INC. | 314 | $7,072 | 6.500% |
| General Mortgage Capital Corporation | 286 | $6,572 | 6.625% |