Mortgage lending in Santa Cruz-Watsonville, CA
3,307 mortgages were originated in the Santa Cruz-Watsonville, 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
- 3,307
- Median rate
- 6.875%
- Median lender fees
- $5,889
- Median loan amount
- $505,000
- Median spread over APOR
- 0.332
- Paid discount points
- 29.1%
- Received lender credits
- 26.8%
- Purchases / refinances
- 40.6% / 43%
- Conventional / FHA / VA
- 94% / 4.1% / 1.8%
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 63.3% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Santa Cruz-Watsonville, CA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| BAY | 391 | — | 7.625% |
| CROSSCOUNTRY MORTGAGE, INC. | 315 | $6,126 | 6.750% |
| Rocket Mortgage, LLC | 310 | $4,308 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 181 | $7,485 | 6.500% |
| U.S. Bank National Association | 101 | $5,182 | 6.875% |
| Bank of America, National Association | 86 | — | 6.240% |
| JPMorgan Chase Bank, National Association | 85 | $4,327 | 6.125% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 79 | $9,275 | 6.625% |
| Comerica Bank | 68 | — | 5.990% |
| Wells Fargo Bank, National Association | 63 | $5,899 | 6.375% |