SAN DIEGO - CHULA VISTA - CARLSBAD Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in San Diego - Chula Vista - Carlsbad averaged 5.83% for the week of 2024-10-03, compared to the national average of 6.12% for the same period.

The average rate for the prior week (2024-09-26) was 5.99% and one month ago for the week of 2024-08-29, the average rate was 6.26%.

San Diego - Chula Vista - Carlsbad's average rate one year ago was 7.12%.

For refis of the same type during the week of 2024-10-03, the average rate was 6.63%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-03 6.12%
San Diego - Chula Vista - Carlsbad 30 Year Fixed Rate 2024-10-03 5.83%
San Diego - Chula Vista - Carlsbad 30 Year Fixed Rate Refi 2024-10-03 6.63%
San Diego - Chula Vista - Carlsbad 15 Year Fixed Rate 2024-10-03 4.99%
San Diego - Chula Vista - Carlsbad 15 Year Fixed Rate Refi 2024-10-03 5.15%
San Diego - Chula Vista - Carlsbad 30 Year FHA 2024-10-03 5.38%
San Diego - Chula Vista - Carlsbad 30 Year FHA Refi 2024-10-03 5.89%
San Diego - Chula Vista - Carlsbad 30 Year USDA 2024-10-03 5.77%
San Diego - Chula Vista - Carlsbad 30 Year USDA Refi 2024-10-03 5.97%
San Diego - Chula Vista - Carlsbad 30 Year VA 2024-10-03 5.3%
San Diego - Chula Vista - Carlsbad 30 Year VA Refi 2024-10-03 4.86%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SAN DIEGO-CHULA VISTA-CARLSBAD, CA.

SAN DIEGO - CHULA VISTA - CARLSBAD Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the SAN DIEGO-CHULA VISTA-CARLSBAD, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 2,808 6.65% $11,582
QUICKEN LOANS, LLC 1,489 6.70% $9,724
U.S. Bank 751 6.16% $8,999
CROSSCOUNTRY MORTGAGE, LLC 614 6.97% $13,240
JPMorgan Chase Bank 581 6.30% $7,241
Wells Fargo Bank 438 5.99% $7,489
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 293 6.73% $11,611
Bank of America 285 5.98% $8,866
GUARANTEED RATE, INC. 277 6.78% $9,849
LOANDEPOT.COM, LLC 246 6.24% $12,389
CALIFORNIA CREDIT UNION 240 5.49% $463
MISSION 233 6.06% $5,954
CMG MORTGAGE, INC. 208 6.57% $9,791
Citibank 205 5.61% $8,334
GUILD MORTGAGE COMPANY 188 6.65% $13,703
PENNYMAC LOAN SERVICES, LLC 179 6.83% $10,654
First Republic Bank 171 4.62% $5,539
Morgan Stanley Private Bank 158 5.69% $6,714
BAY EQUITY LLC 150 6.68% $12,174
NAVY FEDERAL CREDIT UNION 149 6.04% $7,132
MOVEMENT MORTGAGE, LLC 147 6.73% $11,608
EAGLE HOME MORTGAGE, LLC 145 6.53% $12,122
S1L, Inc. 135 6.91% $10,902
Flagstar Bank, FSB 132 6.90% $10,910
AMERICAN PACIFIC MORTGAGE CORPORATION 126 6.88% $12,920
POINT Mortgage 124 6.70% $12,321
RESIDENTIAL WHOLESALE MORTGAGE, INC. 111 6.56% $9,203
SUMMIT FUNDING, INC. 102 6.93% $13,764
KBHS HOME LOANS, LLC 99 6.02% $15,110
HOMEBRIDGE FINANCIAL SERVICES, INC. 99 6.68% $13,498
BROKER SOLUTIONS, INC. 98 6.90% $13,726
INTERCAP LENDING INC. 95 6.75% $9,256
GUARANTEED RATE AFFINITY, LLC 88 6.74% $9,448
NEWREZ LLC 86 6.94% $11,696
American Mortgage & Equity Consultants, Inc. 85 7.01% $13,625
Prosperity Home Mortgage, LLC 84 6.58% $10,778
PROVIDENT FUNDING ASSOCIATES, L.P. 82 6.54% $7,405
Sierra Pacific Mortgage Company, Inc. 80 6.52% $15,309
First-Citizens Bank & Trust Company 78 6.01% $10,363
BMO Harris Bank 77 6.23% $9,229
Zions Bank 69 6.14% $6,006
The Loan Store, Inc. 68 6.99% $10,795
Charles Schwab Bank, SSB 65 5.74% $6,128
Golden Empire Mortgage, Inc. 64 6.80% $13,300
AMERICAN FINANCIAL NETWORK, INC. 63 6.95% $12,800
PNC Bank 60 6.06% $10,324
NMSI, INC. 58 6.84% $10,494
CARDINAL FINANCIAL 58 7.00% $13,973
Century Mortgage Company DBA Century Lending Company 54 6.98% $9,967
NEXERA HOLDING LLC 53 7.99% $23,317
SCHOOLSFIRST 52 6.26% $5,857
ALTURA 51 4.65% $5,367
OCMBC, INC. 51 7.68% $19,467
AXIA FINANCIAL, LLC 51 6.79% $12,714
Mr. Cooper ( Nationstar Mortgage ) 51 6.32% $14,824
Paramount Residential Mortgage Group, Inc. 47 6.82% $12,916
East West Bank 46 5.96% $5,921
NexBank 45 7.12% $12,375
Nations Lending Corporation 45 6.76% $8,899
PRIMELENDING, A PLAINSCAPITAL COMPANY 45 6.86% $12,030
Watermark Capital, Inc. 43 6.38% $9,590
Shea Mortgage Inc. 43 6.56% $7,800
Citadel Servicing Corporation 42 8.44% $21,554
UBS Bank USA 40 6.11% $8,694
FREEDOM MORTGAGE CORPORATION 39 6.86% $11,995
ARK-LA-TEX FINANCIAL SERVICES, LLC. 39 6.87% $13,881
NP, Inc. 38 8.27% $21,686
PLAZA HOME MORTGAGE, INC. 37 6.81% $10,590
LENDSURE MORTGAGE CORP. 36 8.09% $23,870
JMJ FINANCIAL GROUP 35 6.92% $14,632
California Coast Credit Union 34 6.71% $5,631
Franklin Loan Corporation 34 7.09% $13,385
HSBC BANK USA, NATIONAL ASSOCIATION 34 6.30% $9,575
JMAC LENDING, INC. 31 6.93% $15,827
FRONTWAVE 31 5.54% $3,523
Truist 31 6.34% $8,891
Axos Bank 30 7.26% $29,566
San Diego Funding 30 6.71% $13,427
Citizens Bank 29 6.75% $8,797
EVERETT FINANCIAL, INC. 29 6.86% $9,937
AmeriHome Mortgage Company, LLC 28 6.60% $8,071
Cornerstone First Mortgage, Inc 27 6.83% $13,081
AMERISAVE MORTGAGE CORPORATION 27 6.28% $14,689
ARC HOME LLC 27 7.97% $17,952
A&D Mortgage LLC 26 8.65% $20,719
CALCON MUTUAL MORTGAGE LLC 26 6.91% $16,083
BAY-VALLEY MORTGAGE GROUP 25 7.04% $12,251
General Mortgage Capital Corporation 25 6.49% $8,928
SAN DIEGO COUNTY CREDIT UNION 24 6.41% $2,429
Ameris Bank 24 6.75% $10,941
NOVA FINANCIAL & INVESTMENT CORPORATION 24 6.93% $7,794
MORIA DEVELOPMENT, INC. 24 6.90% $15,761
MORTGAGEONE, INC. 24 6.62% $12,076
ONY GLO, INC. 24 6.84% $9,812
BETTER MORTGAGE CORPORATION 23 6.22% $12,709
CALIBER HOME LOANS, INC. 23 5.91% $13,795
HOMEXPRESS MORTGAGE CORP. 22 8.23% $21,256
Cathay Bank 21 6.32% $6,501
CORNERSTONE HOME LENDING, INC. 21 7.24% $12,646
City National Bank 21 6.01% $9,084
FIRST NATIONS HOME FINANCE CORPORATION 20 6.96% $12,225
RESIDENTIAL BANCORP 20 6.59% $14,230
HOMEOWNERS FINANCIAL GROUP USA, LLC 19 6.66% $19,648
MUTUAL OF OMAHA MORTGAGE, INC. 19 6.56% $7,823
KINECTA 18 6.28% $16,398
Plains Commerce Bank 18 6.67% $9,026
DEEPHAVEN MORTGAGE LLC 18 8.30% $20,829
MK LENDING CORP. 17 7.75% $13,277
Commerce Home Mortgage, Inc. 17 8.18% $26,199
Stifel Bank and Trust 17 6.07% $4,893
NBKC BANK 17 6.48% $6,376
Ally Bank 16 6.33% $12,840
ANGEL OAK MORTGAGE SOLUTIONS LLC 16 7.76% $22,947
GOOGAIN, INC. 16 6.91% $12,726
NEW WAVE LENDING GROUP INC 14 7.80% $10,819
STAR ONE CREDIT UNION 14 5.85% $5,061
FUNDLOANS CAPITAL 14 8.26% $26,528
ZILLOW HOME LOANS, LLC 14 6.79% $12,945
Provident Savings Bank, F.S.B. 13 6.03% $11,907
PACIFIC RESIDENTIAL MORTGAGE, LLC 13 6.77% $9,674
COAST 2 COAST FUNDING GROUP, INC. 13 7.45% $15,858
THE GOLDEN 1 12 5.95% $7,979
UNION HOME MORTGAGE CORP. 12 6.92% $10,006
Mortgage Research Center, LLC 12 6.74% $10,838
USAA Federal Savings Bank 12 6.39% $9,514
ISERVE RESIDENTIAL LENDING, LLC 11 7.06% $12,188
PLANET HOME LENDING, LLC 11 6.86% $7,873
HOMEAMERICAN MORTGAGE CORPORATION 11 6.63% $5,929
MEMBER FIRST MORTGAGE, LLC 11 5.73% $14,882
Hometown Equity Mortgage, LLC 10 7.79% $14,688
MID AMERICA MORTGAGE, INC. 10 5.70% $10,107
BNY Mellon 10 5.74% $6,002
FIRST TECHNOLOGY 10 6.65% $5,937
5TH STREET CAPITAL, INC. 9 8.55% $22,567
FOUNDATION MORTGAGE CORPORATION 9 9.06% $18,365
First Savings Bank 9 6.31% $9,214
NATIONS DIRECT MORTGAGE, LLC 9 6.65% $13,112
PHH Mortgage Corporation 9 6.55% $9,593
Performance Financial, Inc. 9 7.93% $23,973
Luther Burbank Savings 8 7.02% $10,833
ALAMEDA MORTGAGE CORPORATION 8 7.00% $13,781
Ixonia Bank 8 7.16% $9,836
Chicago Mortgage Solutions LLC 8 6.33% $7,752
Raymond James Bank 8 5.31% $8,667
Goldman Sachs Bank USA 8 5.56% $6,197
MASON MCDUFFIE MORTGAGE CORPORATION 7 6.87% $9,741
COMMUNITY MORTGAGE FUNDING, LLC 7 6.07% $11,450
The Federal Savings Bank 7 6.89% $12,891
CHERRY CREEK MORTGAGE, LLC 7 6.29% $628
SUN WEST MORTGAGE COMPANY, INC. 7 6.60% $13,428
CHURCHILL MORTGAGE CORPORATION 7 7.18% $15,001
Provident Credit Union 7 5.52% $8,355
Equity Prime Mortgage LLC 7 6.96% $10,355
PENTAGON FEDERAL CREDIT UNION 7 6.36% $7,729
WESCOM CENTRAL CREDIT UNION 6 6.38% $5,600
PREMIA MORTGAGE, LLC 6 6.33% $2,171
PRIMARY RESIDENTIAL MORTGAGE, INC. 6 6.85% $12,440
SECURITYNATIONAL MORTGAGE COMPANY 6 7.75% $11,218
ACADEMY MORTGAGE CORPORATION 6 6.79% $11,210
Banner Bank 6 6.42% $7,319
Barrington Bank & Trust Company, N.A. 6 6.79% $7,886
First National Bank of America 6 9.29% $15,904
BECKAM FUNDING CORP. 6 8.65% $30,890
HighTechLending Inc 6 7.08% $13,635
AMERICAN INTERNET MORTGAGE, INC. 6 6.63% $6,054
KeyBank 6 5.85% $9,624
LADERA LENDING, INC. 6 6.83% $9,451
LEADERONE FINANCIAL CORPORATION 6 7.12% $9,767
LOGIX FEDERAL CREDIT UNION 6 5.92% $9,682
MICHIGAN MUTUAL, INC. 6 6.48% $11,058
ML Mortgage Corp. 6 6.67% $8,031
MOUNTAIN WEST FINANCIAL, INC. 6 6.60% $11,114
MYPOINT Credit Union 6 6.27% $3,027
NFM, INC. 6 6.85% $11,478
CASTLE & COOKE MORTGAGE, LLC 5 6.97% $12,522
Strong Home Mortgage, LLC 5 7.02% $6,084
NuVision Federal Credit Union 5 6.65% $24,750
LAKEVIEW LOAN SERVICING, LLC 5 6.45% $15,731
Umpqua Bank 5 6.73% $6,151
V.I.P. MORTGAGE, INC. 5 7.15% $9,439
MORTGAGE CAPITAL PARTNERS, INC. 5 6.65% $10,989
GUIDANCE RESIDENTIAL, LLC 5 7.05% $14,499
First Standard Financial Corp. 5 6.43% $7,677
NETWORK CAPITAL FUNDING CORPORATION 5 7.28% $7,467
Northpointe Bank 5 6.40% $9,506
CTBC Bank Corp. (USA) 4 7.38% $6,197
PANORAMA MORTGAGE GROUP, LLC 4 8.06% $16,110
EMBRACE HOME LOANS, INC. 4 6.25% $6,998
AMERICAN HERITAGE LENDING, INC. 4 8.22% $24,877
DIGNIFIED HOME LOANS, LLC 4 7.03% $11,410
DIGITAL Federal Credit Union 4 5.59% $5,045
AUGUSTA FINANCIAL, INC. 4 6.86% $8,508
OAKTREE FUNDING CORP. 4 7.75% $21,718
GENEVA FINANCIAL, LLC 4 6.63% $19,686
Boeing Employees Credit Union 4 6.00% $7,367
F&A Federal Credit Union 4 6.25% $2,541
UIF CORPORATION 4 6.84% $15,983
Farmers Bank & Trust 4 6.41% $5,484
Credit Union of Southern California 4 6.13% $6,880
HOMESIDE FINANCIAL, LLC 4 7.09% $25,908
USE Credit Union 4 7.13% $0
Firefighters First Federal Credit Union 4 5.63% $4,191
ENVOY MORTGAGE, LTD 3 7.50% $10,164
Evolve Bank & Trust 3 5.42% $13,544
BM Real Estate Services, Inc. 3 7.38% $15,145
INSPIRE HOME LOANS INC. 3 6.58% $4,795
BNC National Bank 3 5.79% $6,574
DRAPER AND KRAMER MORTGAGE CORP. 3 6.83% $12,887
Discover Bank 3 6.44% $0
AHL FUNDING 3 8.67% $27,166
DIRECT MORTGAGE, CORP. 3 6.91% $9,875
Pinnacle Bank 3 7.13% $10,215
LAND HOME FINANCIAL SERVICES, INC. 3 7.46% $7,177
VICTORIA FINANCIAL CORP. 3 6.88% $7,356
Crestline Funding Corporation 3 6.46% $4,987
Carrington Mortgage Services, LLC 3 5.92% $15,265
The Huntington National Bank 3 6.63% $9,943
The Central Trust Bank 3 5.83% $4,925
Commerce Bank 3 6.00% $6,982
Comerica Bank 3 6.38% $10,335
Summit Mortgage Corporation 3 6.83% $8,814
SUMMIT MORTGAGE BANKERS INC. 3 6.04% $6,009
ORANGE COUNTY'S CREDIT UNION 3 6.21% $13,037
STANFORD Federal Credit Union 3 6.50% $7,634
SIRVA MORTGAGE, INC. 3 5.96% $2,087
AMERITRUST MORTGAGE CORPORATION 3 7.63% $20,682
ROYAL UNITED MORTGAGE LLC 3 6.83% $14,080
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 3 7.42% $15,929
RBC Bank, (Georgia) 3 5.83% $3,800
Florida Capital Bank 3 7.08% $8,844
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 3 6.92% $11,288
Bank of Hope 3 6.46% $7,406
FIRST CENTENNIAL MORTGAGE CORPORATION 3 6.71% $6,249
PREMIER LENDING, INC. 2 7.50% $17,752
WINGS FINANCIAL 2 5.19% $6,297
FINANCE OF AMERICA REVERSE LLC 2 8.31% $2,553
ALLIANT CREDIT UNION 2 6.63% $7,683
CBC Federal Credit Union 2 6.50% $5,635
CHEVRON 2 5.81% $6,366
MORTGAGE EXPRESS, LLC 2 7.25% $20,601
CIBC Bank USA 2 4.75% $6,363
ON Q FINANCIAL, INC. 2 6.93% $9,311
21ST MORTGAGE CORPORATION 2 8.11% $8,094
First Bank 2 6.94% $9,837
GENISYS 2 6.69% $6,140
Colonial Savings, F.A. 2 6.56% $19,981
HomeStreet Bank 2 6.44% $6,061
COASTAL FUNDING SLC, INC. 2 7.31% $13,821
Fifth Third Bank 2 6.37% $5,210
Bank-Fund Staff Federal Credit Union 2 5.63% $4,284
CITYWIDE HOME LOANS, LLC 2 7.56% $15,179
South Pacific Financial Corporation 2 4.93% $16,393
City National Bank of Florida 2 5.81% $6,084
LOANPAL, LLC 2 6.18% $6,532
Vellum Mortgage, Inc. 2 7.25% $5,862
PARTNERS 2 5.75% $6,253
VENTURA COUNTY 2 6.69% $4,923
U S WIDE FINANCIAL LLC 2 7.00% $3,853
First Western Trust Bank 2 6.56% $5,781
LENOX FINANCIAL MORTGAGE CORPORATION 2 7.75% $9,476
PATELCO 2 7.44% $5,168
MDE Home Loans, LLC 2 6.19% $19,232
Leader Bank 2 7.06% $6,981
MEGASTAR FINANCIAL CORP. 2 6.88% $17,830
Constant Investments, Inc. 2 6.13% $13,930
WALL STREET MORTGAGE BANKERS, LTD. 2 8.13% $53,045
BRIDGELOCK CAPITAL 2 7.63% $16,154
Tri Counties Bank 2 6.69% $6,568
FBC MORTGAGE, LLC 2 6.43% $9,530
DATA MORTGAGE, INC. 2 6.69% $6,470
TOP FLITE FINANCIAL, INC. 2 7.06% $12,582
AmRes Corporation 2 7.06% $22,573
INOVA FEDERAL CREDIT UNION 1 7.00% $4,567
1st Security Bank of Washington 1 6.25% $8,975
ADVANCIAL 1 7.88% $14,961
AFFINITY 1 4.38% $6,165
Alerus Financial 1 6.63% $5,216
AMERICAN FINANCING CORPORATION 1 6.50% $17,107
AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 6.00% $8,136
Armed Forces Bank 1 5.75% $9,403
Arvest Bank 1 6.88% $3,127
Assurance Financial Group, L.L.C. 1 7.50% $6,948
Aurora Financial, LLC 1 6.88% $6,532
BANC ONE MORTGAGE CORPORATION 1 8.88% $16,575
Baxter Credit Union 1 6.00% $15,011
BAY 1 7.63% $16,827
Beeline Loans, Inc. 1 5.25% $11,688
Bell Bank 1 7.13% $11,152
Bethpage Federal Credit Union 1 5.50% $3,376
BNB FINANCIAL INC. 1 7.50% $8,593
Busey Bank 1 6.25% $5,542
CALLISTO GROUP, INC. 1 7.75% $12,617
CENTRAL COAST LENDING, INC. 1 6.63% $11,911
Choice Financial Group 1 5.38% $11,241
CHOICE LENDING CORP. 1 6.25% $10,464
City Bank 1 7.38% $8,525
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 6.63% $22,167
Community First National Bank 1 7.50% $7,566
CUSTOMER SERVICE MORTGAGE CORPORATION 1 7.50% $6,051
Deere Employees Credit Union 1 4.99% $7,628
DELTA COMMUNITY CREDIT UNION 1 6.63% $8,221
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 6.13% $18,170
DIRECTORS MORTGAGE, INC. 1 7.53% $12,821
EASTMAN 1 6.13% $9,658
Educational Employees Credit Union 1 5.75% $6,589
EVANSVILLE TEACHERS 1 8.50% $6,272
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 6.63% $27,485
Financial Partners Credit Union 1 6.75% $5,421
FirstBank 1 7.63% $24,340
First City Credit Union 1 5.38% $12,095
FIRST COLONY MORTGAGE CORPORATION 1 6.75% $8,250
FIRST COMMUNITY MORTGAGE, INC. 1 6.38% $11,686
FIRST ENTERTAINMENT 1 7.38% $878
First Federal Bank 1 6.50% $5,244
First National Bank of Omaha 1 6.75% $7,258
FISHER FINANCIAL GROUP, INCORPORATED 1 5.63% $7,638
Gold Coast Bank 1 6.88% $25,468
Goldwater Bank, N.A. 1 7.75% $11,314
Great Plains National Bank 1 6.75% $6,691
GREENSTATE CREDIT UNION 1 6.00% $6,809
HARTFORD FUNDING, LTD. 1 7.88% $23,151
Heritage Bank 1 5.75% $7,400
HOME APPROVALS DIRECT, INC. 1 10.38% $20,288
iCore Lending, Inc. 1 7.63% $10,831
INFINITY EQUITY GROUP, INC. 1 7.88% $7,361
1ST NORTHERN CALIFORNIA 1 6.63% $8,044
INTERNATIONAL CITY MORTGAGE, INC. 1 6.63% $13,801
ITHINK FINANCIAL Credit Union 1 6.50% $24,468
KD CAPITAL MORTGAGE CORPORATION 1 7.00% $17,350
Lakeview Community Capital, LLC 1 6.50% $16,193
LBS FINANCIAL 1 6.25% $3,285
LOANLEADERS OF AMERICA, INC. 1 5.99% $14,688
Loan Simple, Inc. 1 6.13% $8,944
Los Angeles Federal Credit Union 1 6.38% $9,104
Magnolia Bank 1 6.38% $27,145
MANN FINANCIAL INC. 1 6.50% $28,580
Mechanics Bank 1 6.25% $5,093
MERIWEST MORTGAGE COMPANY, LLC 1 5.50% $6,672
MidFirst Bank 1 5.75% $8,611
Midwest BankCentre 1 7.38% $5,098
MLD MORTGAGE INC. 1 5.88% $23,648
MORTGAGE ACCESS CORP. 1 6.38% $13,782
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.50% $12,274
M&T Bank 1 6.75% $13,441
Neighborhood Loans, Inc. 1 7.63% $8,746
NJ LENDERS CORP. 1 7.99% $5,149
Noble Federal Credit Union 1 6.38% $12,058
Northwest Farm Credit Services, FLCA 1 6.75% $31,295
Old National Bank 1 8.50% $9,596
Paramount Bank 1 6.88% $7,197
PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.99% $21,722
PROPER RATE, LLC 1 8.25% $4,291
Quontic Bank 1 9.25% $24,283
RANLIFE, INC. 1 6.13% $28,472
RELIANCE FIRST CAPITAL, LLC 1 7.50% $1,448
Residential First Mortgage 1 9.99% $23,311
SANTA CLARA COUNTY 1 6.38% $7,658
SESLOC 1 6.25% $7,455
SNAPFI, INC. 1 7.25% $11,886
SOVEREIGN LENDING GROUP INCORPORATED 1 5.63% $16,983
STARBOARD FINANCIAL MANAGEMENT, LLC 1 7.75% $7,118
S&T Bank 1 5.63% $6,940
Stockman Bank of Montana 1 6.75% $23,297
SUCCESS MORTGAGE PARTNERS, INC. 1 6.25% $17,722
T2 FINANCIAL LLC 1 6.00% $25,644
TECHNOLOGY 1 6.88% $5,632
The Dart Bank 1 5.88% $6,667
TJC Mortgage, Inc. 1 8.00% $11,515
TRAVIS CREDIT UNION 1 6.75% $5,483
UMB Bank 1 5.92% $5,738
Union Savings Bank 1 6.50% $16,874
United Fidelity Funding Corp. 1 8.25% $20,912
United Nations Federal Credit Union 1 5.75% $4,870
US MORTGAGE CORPORATION 1 6.13% $11,672
VANDERBILT MORTGAGE AND FINANCE, INC. 1 5.88% $5,066
VAN DYK MORTGAGE CORPORATION 1 6.50% $8,627
VERITAS FUNDING, LLC 1 5.99% $14,857
Waterstone Mortgage Corporation 1 7.13% $15,030

SAN DIEGO - CHULA VISTA - CARLSBAD Average Closing Costs & Other Stats

SAN DIEGO-CHULA VISTA-CARLSBAD, CA's 378 lenders originated 38,825 loans during 2023. The total origination value was $21,940,475,000, with an average loan value of $565,112.

SAN DIEGO - CHULA VISTA - CARLSBAD's average closing costs are $6,790.

The top SAN DIEGO - CHULA VISTA - CARLSBAD lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 2,808 loans originated. Their average total fees are $11,582, which is $1,858 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee SAN DIEGO - CHULA VISTA - CARLSBAD lenders (with over 10 loans originated) are CALIFORNIA CREDIT UNION ($463), SAN DIEGO COUNTY CREDIT UNION ($2,429), FRONTWAVE ($3,523), Stifel Bank and Trust ($4,893) and STAR ONE CREDIT UNION ($5,061).

The lowest rate SAN DIEGO - CHULA VISTA - CARLSBAD lenders (with over 10 loans originated) are First Republic Bank (4.62%), ALTURA (4.65%), CALIFORNIA CREDIT UNION (5.49%), FRONTWAVE (5.54%) and Citibank (5.61%).

SAN DIEGO-CHULA VISTA-CARLSBAD, CA Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
UNITED WHOLESALE MORTGAGE, LLC $4,448,340,000 $3,187,890,000 -28.3% 14.5%
QUICKEN LOANS, LLC $2,218,995,000 $1,230,550,000 -44.5% 5.6%
U.S. Bank $1,270,205,000 $1,027,895,000 -19.1% 4.7%
JPMorgan Chase Bank $1,891,670,000 $1,008,335,000 -46.7% 4.6%
CROSSCOUNTRY MORTGAGE, LLC $861,285,000 $651,540,000 -24.4% 3.0%
Wells Fargo Bank $1,629,705,000 $614,150,000 -62.3% 2.8%
Bank of America $1,170,110,000 $563,820,000 -51.8% 2.6%
First Republic Bank $1,941,020,000 $481,435,000 -75.2% 2.2%
Citibank $369,605,000 $441,480,000 19.4% 2.0%
NAVY FEDERAL CREDIT UNION $608,355,000 $419,350,000 -31.1% 1.9%
LENDINGHOME FUNDING CORPORATION $268,585,000 $350,730,000 30.6% 1.6%
MISSION $1,445,740,000 $343,340,000 -76.3% 1.6%
LOANDEPOT.COM, LLC $931,685,000 $340,555,000 -63.4% 1.6%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $407,430,000 $306,640,000 -24.7% 1.4%
GUARANTEED RATE, INC. $495,175,000 $285,875,000 -42.3% 1.3%
CALIFORNIA CREDIT UNION $204,955,000 $268,665,000 31.1% 1.2%
PENNYMAC LOAN SERVICES, LLC $416,675,000 $264,190,000 -36.6% 1.2%
PNC Bank $614,990,000 $261,500,000 -57.5% 1.2%
CMG MORTGAGE, INC. $308,710,000 $239,395,000 -22.5% 1.1%
Morgan Stanley Private Bank $281,150,000 $204,175,000 -27.4% 0.9%
California Coast Credit Union $292,065,000 $180,650,000 -38.1% 0.8%
EAGLE HOME MORTGAGE, LLC $128,450,000 $156,265,000 21.7% 0.7%
Flagstar Bank, FSB $382,085,000 $153,980,000 -59.7% 0.7%
Zions Bank $280,370,000 $151,720,000 -45.9% 0.7%
AMERICAN PACIFIC MORTGAGE CORPORATION $214,145,000 $146,160,000 -31.7% 0.7%
GUILD MORTGAGE COMPANY $234,865,000 $141,060,000 -39.9% 0.6%
Mortgage Research Center, LLC $185,410,000 $139,340,000 -24.8% 0.6%
MOVEMENT MORTGAGE, LLC $296,060,000 $136,050,000 -54.0% 0.6%
POINT Mortgage $132,690,000 n/a 0.6%
HOMEBRIDGE FINANCIAL SERVICES, INC. $235,535,000 $130,040,000 -44.8% 0.6%
Regions Bank $124,915,000 n/a 0.6%
BAY EQUITY LLC $252,325,000 $121,990,000 -51.7% 0.6%
S1L, Inc. $154,735,000 $120,335,000 -22.2% 0.5%
First-Citizens Bank & Trust Company $131,770,000 $116,190,000 -11.8% 0.5%
KBHS HOME LOANS, LLC $66,935,000 $116,090,000 73.4% 0.5%
BMO Harris Bank $83,955,000 $112,850,000 34.4% 0.5%
Axos Bank $158,020,000 $105,730,000 -33.1% 0.5%
Banner Bank $75,300,000 $104,850,000 39.2% 0.5%
NEWREZ LLC $110,960,000 $103,640,000 -6.6% 0.5%
SUMMIT FUNDING, INC. $198,545,000 $96,695,000 -51.3% 0.4%
Charles Schwab Bank, SSB $193,965,000 $96,190,000 -50.4% 0.4%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $184,170,000 $95,410,000 -48.2% 0.4%
INTERCAP LENDING INC. $83,545,000 $93,855,000 12.3% 0.4%
Commerce Home Mortgage, Inc. $238,570,000 $91,415,000 -61.7% 0.4%
BROKER SOLUTIONS, INC. $210,530,000 $90,745,000 -56.9% 0.4%
UBS Bank USA $156,550,000 $88,780,000 -43.3% 0.4%
PGIM Real Estate Finance, LLC $88,305,000 n/a 0.4%
AMERICAN FINANCIAL NETWORK, INC. $86,635,000 n/a 0.4%
City National Bank $274,895,000 $86,595,000 -68.5% 0.4%
FREEDOM MORTGAGE CORPORATION $253,920,000 $85,515,000 -66.3% 0.4%
SAN DIEGO COUNTY CREDIT UNION $1,081,680,000 $84,505,000 -92.2% 0.4%
JONES LANG LASALLE MULTIFAMILY, LLC $84,110,000 n/a 0.4%
American Mortgage & Equity Consultants, Inc. $1,105,000 $83,095,000 7,419.9% 0.4%
FINANCE OF AMERICA REVERSE LLC $287,300,000 $78,015,000 -72.8% 0.4%
Prosperity Home Mortgage, LLC $119,500,000 $78,005,000 -34.7% 0.4%
GUARANTEED RATE AFFINITY, LLC $123,135,000 $77,380,000 -37.2% 0.4%
HSBC BANK USA, NATIONAL ASSOCIATION $45,230,000 $76,645,000 69.5% 0.3%
OCMBC, INC. $61,435,000 $73,455,000 19.6% 0.3%
BERKELEY POINT CAPITAL LLC $105,345,000 $71,305,000 -32.3% 0.3%
Golden Empire Mortgage, Inc. $106,120,000 $69,105,000 -34.9% 0.3%
NEXERA HOLDING LLC $73,095,000 $67,310,000 -7.9% 0.3%
The Lincoln National Life Insurance Company $66,205,000 n/a 0.3%
Century Mortgage Company DBA Century Lending Company $26,840,000 $65,225,000 143.0% 0.3%
Comerica Bank $93,975,000 $65,165,000 -30.7% 0.3%
East West Bank $89,455,000 $64,215,000 -28.2% 0.3%
CARDINAL FINANCIAL $201,300,000 $63,870,000 -68.3% 0.3%
AMWEST FUNDING CORP. $93,655,000 $62,120,000 -33.7% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $81,880,000 $57,215,000 -30.1% 0.3%
Sierra Pacific Mortgage Company, Inc. $61,490,000 $56,100,000 -8.8% 0.3%
SCHOOLSFIRST $86,615,000 $55,700,000 -35.7% 0.3%
Paramount Residential Mortgage Group, Inc. $122,055,000 $55,110,000 -54.8% 0.3%
Shea Mortgage Inc. $56,530,000 $52,905,000 -6.4% 0.2%
Citadel Servicing Corporation $57,960,000 $52,665,000 -9.1% 0.2%
Hometown Equity Mortgage, LLC $50,760,000 $50,345,000 -0.8% 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $78,040,000 $50,255,000 -35.6% 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $33,715,000 $49,285,000 46.2% 0.2%
WALKER & DUNLOP, LLC $254,355,000 $48,800,000 -80.8% 0.2%
FUNDLOANS CAPITAL $81,550,000 $48,605,000 -40.4% 0.2%
Figure Lending LLC $50,455,000 $48,055,000 -4.8% 0.2%
Nations Lending Corporation $26,310,000 $47,490,000 80.5% 0.2%
PLAZA HOME MORTGAGE, INC. $79,105,000 $46,620,000 -41.1% 0.2%
NORTHMARQ CAPITAL FINANCE, L.L.C. $12,395,000 $46,525,000 275.4% 0.2%
AXIA FINANCIAL, LLC $45,050,000 $46,295,000 2.8% 0.2%
NP, Inc. $13,565,000 $45,565,000 235.9% 0.2%
The Loan Store, Inc. $1,715,000 $45,460,000 2,550.7% 0.2%
Mr. Cooper ( Nationstar Mortgage ) $183,570,000 $44,740,000 -75.6% 0.2%
ALTURA $3,300,000 $43,545,000 1,219.5% 0.2%
LENDSURE MORTGAGE CORP. $77,620,000 $42,980,000 -44.6% 0.2%
Cornerstone First Mortgage, Inc $182,480,000 $40,395,000 -77.9% 0.2%
JMJ FINANCIAL GROUP $81,595,000 $39,520,000 -51.6% 0.2%
LONGBRIDGE FINANCIAL, LLC $94,620,000 $39,260,000 -58.5% 0.2%
FRONTWAVE $118,390,000 $38,975,000 -67.1% 0.2%
Franklin Loan Corporation $50,625,000 $38,565,000 -23.8% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $93,215,000 $38,140,000 -59.1% 0.2%
EVERETT FINANCIAL, INC. $109,050,000 $36,935,000 -66.1% 0.2%
Discover Bank $34,330,000 $35,815,000 4.3% 0.2%
The Northern Trust Company $42,840,000 $35,795,000 -16.4% 0.2%
NMSI, INC. $61,520,000 $35,580,000 -42.2% 0.2%
Third Federal Savings and Loan Association of Cleveland $45,290,000 $35,415,000 -21.8% 0.2%
Logan Finance Corporation $20,550,000 $34,510,000 67.9% 0.2%
NexBank $168,470,000 $34,150,000 -79.7% 0.2%
MidFirst Bank $26,065,000 $33,850,000 29.9% 0.2%
San Diego Funding $73,305,000 $33,585,000 -54.2% 0.2%
MORTGAGEONE, INC. $91,960,000 $32,980,000 -64.1% 0.2%
CALIBER HOME LOANS, INC. $418,915,000 $32,920,000 -92.1% 0.2%
KINECTA $66,495,000 $32,760,000 -50.7% 0.1%
HOMEXPRESS MORTGAGE CORP. $34,170,000 $32,670,000 -4.4% 0.1%
JMAC LENDING, INC. $66,880,000 $31,615,000 -52.7% 0.1%
THE GOLDEN 1 $40,975,000 $30,910,000 -24.6% 0.1%
CALCON MUTUAL MORTGAGE LLC $71,590,000 $30,700,000 -57.1% 0.1%
ARC HOME LLC $42,770,000 $30,405,000 -28.9% 0.1%
Enterprise Bank & Trust $1,540,000 $30,305,000 1,867.9% 0.1%
CBRE MULTIFAMILY CAPITAL, INC. $10,005,000 $30,020,000 200.0% 0.1%
A&D Mortgage LLC $25,250,000 $29,950,000 18.6% 0.1%
Cathay Bank $49,045,000 $29,645,000 -39.6% 0.1%
Truist $53,775,000 $29,300,000 -45.5% 0.1%
ALLIANT CREDIT UNION $50,650,000 $29,260,000 -42.2% 0.1%
Watermark Capital, Inc. $35,495,000 $28,930,000 -18.5% 0.1%
21ST MORTGAGE CORPORATION $33,765,000 $28,840,000 -14.6% 0.1%
The Federal Savings Bank $39,705,000 $28,235,000 -28.9% 0.1%
Plains Commerce Bank $13,050,000 $28,065,000 115.1% 0.1%
DEEPHAVEN MORTGAGE LLC $21,380,000 $28,010,000 31.0% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $88,880,000 $27,490,000 -69.1% 0.1%
RF Renovo Management Company, LLC $18,315,000 $27,000,000 47.4% 0.1%
PENTAGON FEDERAL CREDIT UNION $132,920,000 $26,645,000 -80.0% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $35,520,000 $26,000,000 -26.8% 0.1%
TRIAD FINANCIAL SERVICES, INC. $13,025,000 $25,330,000 94.5% 0.1%
MYPOINT Credit Union $79,975,000 $25,120,000 -68.6% 0.1%
AmeriHome Mortgage Company, LLC $46,420,000 $24,915,000 -46.3% 0.1%
Luther Burbank Savings $110,585,000 $24,745,000 -77.6% 0.1%
Citizens Bank $49,835,000 $24,660,000 -50.5% 0.1%
Carrington Mortgage Services, LLC $46,240,000 $23,335,000 -49.5% 0.1%
AMERISAVE MORTGAGE CORPORATION $175,385,000 $23,210,000 -86.8% 0.1%
Stifel Bank and Trust $58,215,000 $21,860,000 -62.4% 0.1%
Ameris Bank $43,175,000 $21,785,000 -49.5% 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $26,465,000 $21,655,000 -18.2% 0.1%
River City Bank $21,005,000 n/a 0.1%
BNY Mellon $45,830,000 $20,650,000 -54.9% 0.1%
5TH STREET CAPITAL, INC. $58,765,000 $20,320,000 -65.4% 0.1%
VAL-CHRIS INVESTMENTS, INC. $20,205,000 n/a 0.1%
MORIA DEVELOPMENT, INC. $37,420,000 $19,665,000 -47.4% 0.1%
First Bank $13,780,000 $19,265,000 39.8% 0.1%
PHH Mortgage Corporation $66,690,000 $18,775,000 -71.8% 0.1%
NOVA FINANCIAL & INVESTMENT CORPORATION $58,035,000 $18,635,000 -67.9% 0.1%
RESIDENTIAL BANCORP $38,755,000 $18,150,000 -53.2% 0.1%
PLANET HOME LENDING, LLC $58,885,000 $17,980,000 -69.5% 0.1%
FIRST TECHNOLOGY $51,895,000 $17,950,000 -65.4% 0.1%
NATIONS DIRECT MORTGAGE, LLC $52,090,000 $17,490,000 -66.4% 0.1%
General Mortgage Capital Corporation $54,005,000 $17,480,000 -67.6% 0.1%
HOMEAMERICAN MORTGAGE CORPORATION $24,190,000 $17,415,000 -28.0% 0.1%
SPRING EQ, LLC $133,895,000 $17,360,000 -87.0% 0.1%
NBKC BANK $37,720,000 $17,135,000 -54.6% 0.1%
Equity Prime Mortgage LLC $33,855,000 $17,065,000 -49.6% 0.1%
CORNERSTONE HOME LENDING, INC. $41,145,000 $17,005,000 -58.7% 0.1%
HomeTrust Bank $6,880,000 $16,635,000 141.8% 0.1%
BECKAM FUNDING CORP. $32,515,000 $16,625,000 -48.9% 0.1%
Pacific Premier Bank $82,260,000 $16,380,000 -80.1% 0.1%
BAY-VALLEY MORTGAGE GROUP $16,295,000 n/a 0.1%
Bethpage Federal Credit Union $45,840,000 $15,720,000 -65.7% 0.1%
ONY GLO, INC. $31,075,000 $15,635,000 -49.7% 0.1%
GREYSTONE SERVICING COMPANY LLC $145,820,000 $15,045,000 -89.7% 0.1%
Texas Capital Bank $14,905,000 n/a 0.1%
BETTER MORTGAGE CORPORATION $94,685,000 $14,565,000 -84.6% 0.1%
Goldman Sachs Bank USA $39,255,000 $14,390,000 -63.3% 0.1%
Raymond James Bank $13,880,000 $14,320,000 3.2% 0.1%
Barrington Bank & Trust Company, N.A. $14,935,000 $14,075,000 -5.8% 0.1%
NEW WAVE LENDING GROUP INC $20,900,000 $13,775,000 -34.1% 0.1%
Provident Savings Bank, F.S.B. $12,050,000 $13,550,000 12.4% 0.1%
LOGIX FEDERAL CREDIT UNION $25,945,000 $13,370,000 -48.5% 0.1%
FIRST NATIONS HOME FINANCE CORPORATION $21,390,000 $12,835,000 -40.0% 0.1%
LIMA ONE CAPITAL, LLC $665,000 $12,240,000 1,740.6% 0.1%
Umpqua Bank $130,630,000 $12,165,000 -90.7% 0.1%
Ally Bank $47,000,000 $12,000,000 -74.5% 0.1%
FIRST ENTERTAINMENT $4,465,000 $11,840,000 165.2% 0.1%
Coastal Community Bank $11,810,000 n/a 0.1%
HighTechLending Inc $28,555,000 $11,800,000 -58.7% 0.1%
VILLAGE CAPITAL MORTGAGE $12,035,000 $11,710,000 -2.7% 0.1%
STAR ONE CREDIT UNION $8,980,000 $11,630,000 29.5% 0.1%
MID AMERICA MORTGAGE, INC. $34,550,000 $11,600,000 -66.4% 0.1%
MK LENDING CORP. $9,450,000 $11,510,000 21.8% 0.1%
UNION HOME MORTGAGE CORP. $3,205,000 $11,310,000 252.9% 0.1%
WESCOM CENTRAL CREDIT UNION $37,000,000 $11,150,000 -69.9% 0.1%
GOOGAIN, INC. $46,290,000 $10,375,000 -77.6% 0.0%
Performance Financial, Inc. $10,350,000 n/a 0.0%
PACIFIC RESIDENTIAL MORTGAGE, LLC $12,705,000 $10,335,000 -18.7% 0.0%
GEORGIA'S OWN $19,215,000 $10,155,000 -47.2% 0.0%
STANFORD Federal Credit Union $10,320,000 $10,145,000 -1.7% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $24,930,000 $10,145,000 -59.3% 0.0%
FOUNDATION MORTGAGE CORPORATION $10,020,000 n/a 0.0%
MEMBER FIRST MORTGAGE, LLC $2,170,000 $9,825,000 352.8% 0.0%
ZILLOW HOME LOANS, LLC $19,705,000 $9,775,000 -50.4% 0.0%
Greenbox Loans, Inc. $12,265,000 $9,695,000 -21.0% 0.0%
Alaska USA Federal Credit Union $1,250,000 $9,575,000 666.0% 0.0%
ORIX REAL ESTATE CAPITAL, LLC $42,675,000 $9,385,000 -78.0% 0.0%
First Savings Bank $18,200,000 $9,340,000 -48.7% 0.0%
OAKTREE FUNDING CORP. $12,155,000 $9,055,000 -25.5% 0.0%
LADERA LENDING, INC. $20,575,000 $8,985,000 -56.3% 0.0%
CHERRY CREEK MORTGAGE, LLC $78,330,000 $8,850,000 -88.7% 0.0%
CHURCHILL MORTGAGE CORPORATION $9,170,000 $8,590,000 -6.3% 0.0%
NuVision Federal Credit Union $9,355,000 $8,560,000 -8.5% 0.0%
HomeStreet Bank $50,960,000 $8,475,000 -83.4% 0.0%
AMERITRUST MORTGAGE CORPORATION $7,985,000 n/a 0.0%
LANTZMAN MANAGEMENT, INC. $12,010,000 $7,705,000 -35.8% 0.0%
MOUNTAIN WEST FINANCIAL, INC. $15,850,000 $7,625,000 -51.9% 0.0%
T. J. FINANCIAL, INC. $9,125,000 $7,605,000 -16.7% 0.0%
NATIONWIDE EQUITIES CORPORATION $17,225,000 $7,565,000 -56.1% 0.0%
Provident Credit Union $8,280,000 $7,480,000 -9.7% 0.0%
Residential First Mortgage $7,335,000 n/a 0.0%
Mechanics Bank $45,370,000 $7,315,000 -83.9% 0.0%
ISERVE RESIDENTIAL LENDING, LLC $26,705,000 $7,245,000 -72.9% 0.0%
COAST 2 COAST FUNDING GROUP, INC. $9,985,000 $7,070,000 -29.2% 0.0%
GEO-CORP, INC. $225,000 $6,940,000 2,984.4% 0.0%
ACADEMY MORTGAGE CORPORATION $10,550,000 $6,860,000 -35.0% 0.0%
Merchants Mortgage & Trust Corporation $16,630,000 $6,770,000 -59.3% 0.0%
OPEN MORTGAGE, LLC $40,975,000 $6,655,000 -83.8% 0.0%
Home Bank of California $6,550,000 n/a 0.0%
USAlliance Federal Credit