Mortgage lending in San Rafael, CA
4,126 mortgages were originated in the San Rafael, 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
- 4,126
- Median rate
- 6.625%
- Median lender fees
- $6,917
- Median loan amount
- $685,000
- Median spread over APOR
- 0.148
- Paid discount points
- 19.2%
- Received lender credits
- 31.9%
- Purchases / refinances
- 39.4% / 37.6%
- Conventional / FHA / VA
- 97% / 2.1% / 0.9%
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 63.9% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the San Rafael, CA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| REDWOOD | 433 | $7,982 | 8.000% |
| Wells Fargo Bank, National Association | 235 | $8,233 | 5.875% |
| Rocket Mortgage, LLC | 227 | $4,334 | 6.750% |
| Bank of America, National Association | 204 | $7,292 | 5.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 191 | $7,752 | 6.500% |
| U.S. Bank National Association | 185 | $5,154 | 6.250% |
| JPMorgan Chase Bank, National Association | 155 | $6,045 | 6.000% |
| CROSSCOUNTRY MORTGAGE, INC. | 154 | $7,338 | 6.750% |
| Bank of Marin | 88 | — | — |
| Morgan Stanley Private Bank, National Association | 82 | $5,346 | 5.763% |