Mortgage lending in San Jose-Sunnyvale-Santa Clara, CA
26,655 mortgages were originated in the San Jose-Sunnyvale-Santa Clara, 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
- 26,655
- Median rate
- 6.250%
- Median lender fees
- $4,702
- Median loan amount
- $865,000
- Median spread over APOR
- -0.054
- Paid discount points
- 15.2%
- Received lender credits
- 46.6%
- Purchases / refinances
- 42.3% / 42.1%
- Conventional / FHA / VA
- 96.9% / 2.2% / 0.8%
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 71.8% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the San Jose-Sunnyvale-Santa Clara, CA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Wells Fargo Bank, National Association | 2,689 | $6,134 | 5.500% |
| Bank of America, National Association | 2,404 | $4,518 | 5.625% |
| Rocket Mortgage, LLC | 1,617 | $3,273 | 6.625% |
| U.S. Bank National Association | 1,380 | $4,337 | 6.125% |
| Citibank, National Association | 1,326 | $3,895 | 5.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,141 | $5,525 | 6.499% |
| JPMorgan Chase Bank, National Association | 1,084 | $1,662 | 5.875% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 786 | $4,952 | 5.817% |
| STAR ONE Credit Union | 697 | $2,517 | 6.750% |
| BMO Bank National Association | 507 | $4,711 | 6.125% |