San Francisco - Oakland - Berkeley Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in San Francisco - Oakland - Berkeley averaged
6.58%
for the week of 2025-01-30, compared to the national average of
6.95% for the same period.
The average rate for the prior week (2025-01-23) was
6.39% and
one month ago for the week of 2024-12-26, the
average rate was 6.58%.
San Francisco - Oakland - Berkeley's average rate one year ago was 6.12%.
For refis of the same type during the week of 2025-01-30, the average rate
was 7.08%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2025-01-30 | 6.95% |
San Francisco - Oakland - Berkeley 30 Year Fixed Rate | 2025-01-30 | 6.58% |
San Francisco - Oakland - Berkeley 30 Year Fixed Rate Refi | 2025-01-30 | 7.08% |
San Francisco - Oakland - Berkeley 15 Year Fixed Rate | 2025-01-30 | 5.96% |
San Francisco - Oakland - Berkeley 15 Year Fixed Rate Refi | 2025-01-30 | 6.03% |
San Francisco - Oakland - Berkeley 30 Year FHA | 2025-01-30 | 6.27% |
San Francisco - Oakland - Berkeley 30 Year FHA Refi | 2025-01-30 | 6.4% |
San Francisco - Oakland - Berkeley 30 Year USDA | 2025-01-30 | 6.69% |
San Francisco - Oakland - Berkeley 30 Year USDA Refi | 2025-01-30 | 6.69% |
San Francisco - Oakland - Berkeley 30 Year VA | 2025-01-30 | 6.01% |
San Francisco - Oakland - Berkeley 30 Year VA Refi | 2025-01-30 | 6.4% |
San Francisco - Oakland - Berkeley 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 Francisco-Oakland-Berkeley, 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.).
San Francisco - Oakland - Berkeley Average Closing Costs & Other Stats
San Francisco-Oakland-Berkeley, CA's 366 lenders originated 46,876
loans during 2023. The total origination value was $34,298,500,000, with an average loan value of
$731,686.
San Francisco - Oakland - Berkeley's average closing costs are $5,801.
The top San Francisco - Oakland - Berkeley lender as defined by loan originations is QUICKEN LOANS, LLC, with
2,320 loans originated. Their average total fees are
$8,984, which is $2,769
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee San Francisco - Oakland - Berkeley lenders (with over 10 loans originated) are
CALIFORNIA CREDIT UNION ($530), Fremont Bank ($2,022), Shea Mortgage Inc. ($2,702), PULTE MORTGAGE LLC ($3,634) and Stifel Bank and Trust ($3,845).
The lowest rate San Francisco - Oakland - Berkeley lenders (with over 10 loans originated) are
First Republic Bank (4.75%), CALIFORNIA CREDIT UNION (5.27%), First-Citizens Bank & Trust Company (5.33%), Bank of the West (5.53%) and DIGITAL Federal Credit Union (5.55%).
San Francisco-Oakland-Berkeley, 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 |
---|---|---|---|---|
Wells Fargo Bank | $6,034,925,000 | $2,979,460,000 | -50.6% | 8.7% |
Bank of America | $4,572,255,000 | $2,023,070,000 | -55.8% | 5.9% |
JPMorgan Chase Bank | $3,534,450,000 | $2,005,280,000 | -43.3% | 5.8% |
UNITED WHOLESALE MORTGAGE, LLC | $2,603,455,000 | $1,859,620,000 | -28.6% | 5.4% |
Citibank | $1,807,755,000 | $1,785,315,000 | -1.2% | 5.2% |
U.S. Bank | $2,657,575,000 | $1,782,550,000 | -32.9% | 5.2% |
QUICKEN LOANS, LLC | $3,141,055,000 | $1,764,045,000 | -43.8% | 5.1% |
First Republic Bank | $10,475,005,000 | $1,521,355,000 | -85.5% | 4.4% |
PNC Bank | $2,087,750,000 | $1,031,190,000 | -50.6% | 3.0% |
CROSSCOUNTRY MORTGAGE, LLC | $993,705,000 | $816,230,000 | -17.9% | 2.4% |
BMO Harris Bank | $57,820,000 | $804,400,000 | 1,291.2% | 2.3% |
Morgan Stanley Private Bank | $927,760,000 | $583,900,000 | -37.1% | 1.7% |
THE GOLDEN 1 | $702,015,000 | $462,620,000 | -34.1% | 1.3% |
GUARANTEED RATE, INC. | $1,143,975,000 | $452,085,000 | -60.5% | 1.3% |
Regions Bank | $25,525,000 | $413,410,000 | 1,519.6% | 1.2% |
AMERICAN PACIFIC MORTGAGE CORPORATION | $945,200,000 | $411,935,000 | -56.4% | 1.2% |
PATELCO | $755,170,000 | $406,545,000 | -46.2% | 1.2% |
First-Citizens Bank & Trust Company | $98,685,000 | $368,730,000 | 273.6% | 1.1% |
LOANDEPOT.COM, LLC | $1,577,835,000 | $339,700,000 | -78.5% | 1.0% |
HSBC BANK USA, NATIONAL ASSOCIATION | $313,440,000 | $333,700,000 | 6.5% | 1.0% |
Commerce Home Mortgage, Inc. | $722,225,000 | $318,700,000 | -55.9% | 0.9% |
CMG MORTGAGE, INC. | $302,460,000 | $308,315,000 | 1.9% | 0.9% |
REDWOOD | $271,090,000 | $295,815,000 | 9.1% | 0.9% |
East West Bank | $468,135,000 | $286,895,000 | -38.7% | 0.8% |
STAR ONE CREDIT UNION | $302,405,000 | $269,960,000 | -10.7% | 0.8% |
Charles Schwab Bank, SSB | $733,250,000 | $269,810,000 | -63.2% | 0.8% |
Fremont Bank | $1,186,415,000 | $257,570,000 | -78.3% | 0.8% |
Provident Credit Union | $355,550,000 | $249,550,000 | -29.8% | 0.7% |
STANFORD Federal Credit Union | $314,515,000 | $245,240,000 | -22.0% | 0.7% |
EAGLE HOME MORTGAGE, LLC | $148,530,000 | $237,990,000 | 60.2% | 0.7% |
LENDINGHOME FUNDING CORPORATION | $241,560,000 | $195,735,000 | -19.0% | 0.6% |
General Mortgage Capital Corporation | $373,765,000 | $191,835,000 | -48.7% | 0.6% |
AMWEST FUNDING CORP. | $383,175,000 | $173,380,000 | -54.8% | 0.5% |
BROKER SOLUTIONS, INC. | $164,415,000 | $162,460,000 | -1.2% | 0.5% |
EVERETT FINANCIAL, INC. | $319,060,000 | $155,085,000 | -51.4% | 0.5% |
PENNYMAC LOAN SERVICES, LLC | $238,085,000 | $151,410,000 | -36.4% | 0.4% |
Flagstar Bank, FSB | $637,415,000 | $149,165,000 | -76.6% | 0.4% |
WALKER & DUNLOP, LLC | $331,860,000 | $130,800,000 | -60.6% | 0.4% |
FINANCE OF AMERICA REVERSE LLC | $516,025,000 | $128,035,000 | -75.2% | 0.4% |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $306,865,000 | $125,375,000 | -59.1% | 0.4% |
GUARANTEED RATE AFFINITY, LLC | $377,655,000 | $123,385,000 | -67.3% | 0.4% |
GUILD MORTGAGE COMPANY | $169,745,000 | $106,615,000 | -37.2% | 0.3% |
Vellum Mortgage, Inc. | $8,800,000 | $100,925,000 | 1,046.9% | 0.3% |
Zions Bank | $175,075,000 | $99,785,000 | -43.0% | 0.3% |
Century Mortgage Company DBA Century Lending Company | $25,190,000 | $99,755,000 | 296.0% | 0.3% |
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $26,005,000 | $94,145,000 | 262.0% | 0.3% |
Goldman Sachs Bank USA | $139,530,000 | $92,135,000 | -34.0% | 0.3% |
MASON MCDUFFIE MORTGAGE CORPORATION | $108,795,000 | $90,780,000 | -16.6% | 0.3% |
HOMEBRIDGE FINANCIAL SERVICES, INC. | $257,745,000 | $89,785,000 | -65.2% | 0.3% |
UBS Bank USA | $273,740,000 | $87,705,000 | -68.0% | 0.3% |
Paramount Residential Mortgage Group, Inc. | $146,440,000 | $82,120,000 | -43.9% | 0.2% |
GOOGAIN, INC. | $218,130,000 | $79,935,000 | -63.4% | 0.2% |
BAY EQUITY LLC | $160,840,000 | $76,000,000 | -52.7% | 0.2% |
Axos Bank | $121,635,000 | $73,040,000 | -40.0% | 0.2% |
Comerica Bank | $298,020,000 | $72,620,000 | -75.6% | 0.2% |
Prudential Huntoon Paige Associates, LLC | $72,615,000 | n/a | 0.2% | |
AmeriHome Mortgage Company, LLC | $60,035,000 | $72,500,000 | 20.8% | 0.2% |
Sierra Pacific Mortgage Company, Inc. | $82,000,000 | $72,415,000 | -11.7% | 0.2% |
Mechanics Bank | $108,395,000 | $70,095,000 | -35.3% | 0.2% |
Luther Burbank Savings | $303,980,000 | $69,290,000 | -77.2% | 0.2% |
PROVIDENT FUNDING ASSOCIATES, L.P. | $62,845,000 | $68,795,000 | 9.5% | 0.2% |
ALLIANT CREDIT UNION | $136,455,000 | $67,475,000 | -50.6% | 0.2% |
SAFE CREDIT UNION | $124,725,000 | $66,505,000 | -46.7% | 0.2% |
NMSI, INC. | $153,835,000 | $66,170,000 | -57.0% | 0.2% |
OCMBC, INC. | $39,345,000 | $66,165,000 | 68.2% | 0.2% |
PULTE MORTGAGE LLC | $130,130,000 | $66,120,000 | -49.2% | 0.2% |
NEWREZ LLC | $124,470,000 | $65,790,000 | -47.1% | 0.2% |
NEW WAVE LENDING GROUP INC | $95,565,000 | $65,660,000 | -31.3% | 0.2% |
NexBank | $105,270,000 | $65,145,000 | -38.1% | 0.2% |
City National Bank | $290,820,000 | $65,040,000 | -77.6% | 0.2% |
Ameris Bank | $76,010,000 | $63,915,000 | -15.9% | 0.2% |
NAVY FEDERAL CREDIT UNION | $106,375,000 | $63,060,000 | -40.7% | 0.2% |
CHEVRON | $243,950,000 | $62,795,000 | -74.3% | 0.2% |
KINECTA | $90,630,000 | $61,765,000 | -31.8% | 0.2% |
Citizens Bank | $66,715,000 | $60,410,000 | -9.5% | 0.2% |
1ST UNITED SERVICES CREDIT UNION | $94,515,000 | $59,425,000 | -37.1% | 0.2% |
MUTUAL OF OMAHA MORTGAGE, INC. | $152,835,000 | $57,140,000 | -62.6% | 0.2% |
Tri Counties Bank | $130,910,000 | $56,745,000 | -56.7% | 0.2% |
San Mateo Credit Union | $124,970,000 | $54,895,000 | -56.1% | 0.2% |
Industrial and Commercial Bank of China USA | $62,640,000 | $53,015,000 | -15.4% | 0.2% |
NEXERA HOLDING LLC | $53,095,000 | $52,835,000 | -0.5% | 0.2% |
Citadel Servicing Corporation | $78,675,000 | $52,015,000 | -33.9% | 0.2% |
Bank of Marin | $55,940,000 | $51,540,000 | -7.9% | 0.2% |
The Loan Store, Inc. | $5,680,000 | $51,435,000 | 805.5% | 0.1% |
PLAZA HOME MORTGAGE, INC. | $64,810,000 | $50,015,000 | -22.8% | 0.1% |
Bethpage Federal Credit Union | $120,870,000 | $49,210,000 | -59.3% | 0.1% |
LONGBRIDGE FINANCIAL, LLC | $72,685,000 | $49,145,000 | -32.4% | 0.1% |
Figure Lending LLC | $87,040,000 | $48,960,000 | -43.8% | 0.1% |
HOMEXPRESS MORTGAGE CORP. | $73,565,000 | $48,285,000 | -34.4% | 0.1% |
Cathay Bank | $59,180,000 | $46,870,000 | -20.8% | 0.1% |
Mr. Cooper ( Nationstar Mortgage ) | $212,805,000 | $45,910,000 | -78.4% | 0.1% |
ENVOY MORTGAGE, LTD | $55,155,000 | $45,665,000 | -17.2% | 0.1% |
S1L, Inc. | $89,395,000 | $44,930,000 | -49.7% | 0.1% |
GREYSTONE SERVICING COMPANY LLC | $27,320,000 | $44,690,000 | 63.6% | 0.1% |
Golden Bank | $33,055,000 | $44,070,000 | 33.3% | 0.1% |
Umpqua Bank | $333,020,000 | $43,725,000 | -86.9% | 0.1% |
Third Federal Savings and Loan Association of Cleveland | $94,865,000 | $42,830,000 | -54.9% | 0.1% |
First Bank | $80,035,000 | $41,820,000 | -47.7% | 0.1% |
ALAMEDA MORTGAGE CORPORATION | $59,865,000 | $41,015,000 | -31.5% | 0.1% |
Mortgage Research Center, LLC | $72,240,000 | $40,975,000 | -43.3% | 0.1% |
South Pacific Financial Corporation | $70,040,000 | $39,700,000 | -43.3% | 0.1% |
TRAVIS CREDIT UNION | $180,845,000 | $39,270,000 | -78.3% | 0.1% |
FIRST TECHNOLOGY | $163,595,000 | $38,375,000 | -76.5% | 0.1% |
NATIONAL COOPERATIVE BANK, N.A. | $87,635,000 | $38,260,000 | -56.3% | 0.1% |
PRIMARY RESIDENTIAL MORTGAGE, INC. | $52,180,000 | $38,140,000 | -26.9% | 0.1% |
JMAC LENDING, INC. | $100,840,000 | $36,845,000 | -63.5% | 0.1% |
Texas Capital Bank | $36,305,000 | n/a | 0.1% | |
ARC HOME LLC | $90,560,000 | $36,205,000 | -60.0% | 0.1% |
KBHS HOME LOANS, LLC | $39,740,000 | $35,695,000 | -10.2% | 0.1% |
BERKELEY POINT CAPITAL LLC | $116,330,000 | $35,660,000 | -69.3% | 0.1% |
MERIWEST MORTGAGE COMPANY, LLC | $117,945,000 | $34,885,000 | -70.4% | 0.1% |
PRIMELENDING, A PLAINSCAPITAL COMPANY | $63,355,000 | $34,205,000 | -46.0% | 0.1% |
HOMEOWNERS FINANCIAL GROUP USA, LLC | $37,185,000 | $33,870,000 | -8.9% | 0.1% |
PACIFIC RESIDENTIAL MORTGAGE, LLC | $5,350,000 | $32,455,000 | 506.6% | 0.1% |
BETTER MORTGAGE CORPORATION | $206,880,000 | $32,440,000 | -84.3% | 0.1% |
MLD MORTGAGE INC. | $29,090,000 | $31,830,000 | 9.4% | 0.1% |
DIGITAL Federal Credit Union | $29,010,000 | $29,755,000 | 2.6% | 0.1% |
AMERICAN FINANCIAL NETWORK, INC. | $29,590,000 | n/a | 0.1% | |
DRAPER AND KRAMER MORTGAGE CORP. | $36,930,000 | $29,210,000 | -20.9% | 0.1% |
SAN FRANCISCO FIRE CREDIT UNION | $234,900,000 | $29,080,000 | -87.6% | 0.1% |
PACIFIC SERVICE | $57,320,000 | $27,550,000 | -51.9% | 0.1% |
Raymond James Bank | $43,160,000 | $27,540,000 | -36.2% | 0.1% |
HomeStreet Bank | $72,685,000 | $27,480,000 | -62.2% | 0.1% |
UNCLE Credit Union | $65,135,000 | $27,320,000 | -58.1% | 0.1% |
PENTAGON FEDERAL CREDIT UNION | $246,700,000 | $27,265,000 | -88.9% | 0.1% |
AMERISAVE MORTGAGE CORPORATION | $194,225,000 | $27,085,000 | -86.1% | 0.1% |
ORIX REAL ESTATE CAPITAL, LLC | $26,585,000 | n/a | 0.1% | |
MOVEMENT MORTGAGE, LLC | $54,485,000 | $26,260,000 | -51.8% | 0.1% |
Provident Savings Bank, F.S.B. | $50,080,000 | $26,125,000 | -47.8% | 0.1% |
CARDINAL FINANCIAL | $85,255,000 | $25,720,000 | -69.8% | 0.1% |
TECHNOLOGY | $216,440,000 | $25,000,000 | -88.4% | 0.1% |
Discover Bank | $30,420,000 | $24,480,000 | -19.5% | 0.1% |
Cornerstone First Mortgage, Inc | $3,985,000 | $24,475,000 | 514.2% | 0.1% |
Merchants Mortgage & Trust Corporation | $7,930,000 | $24,340,000 | 206.9% | 0.1% |
TEMPLE VIEW CAPITAL FUNDING, LP | $21,370,000 | $23,875,000 | 11.7% | 0.1% |
ZILLOW HOME LOANS, LLC | $27,640,000 | $23,695,000 | -14.3% | 0.1% |
ANGEL OAK MORTGAGE SOLUTIONS LLC | $88,710,000 | $23,465,000 | -73.5% | 0.1% |
VAL-CHRIS INVESTMENTS, INC. | $23,425,000 | n/a | 0.1% | |
BNY Mellon | $95,110,000 | $23,355,000 | -75.4% | 0.1% |
Merchants Bank of Indiana | $50,120,000 | $23,010,000 | -54.1% | 0.1% |
Bank of the West | $995,540,000 | $22,835,000 | -97.7% | 0.1% |
Prosperity Home Mortgage, LLC | $27,510,000 | $22,805,000 | -17.1% | 0.1% |
Stifel Bank and Trust | $111,020,000 | $22,795,000 | -79.5% | 0.1% |
VELOCITY COMMERCIAL CAPITAL, LLC | $41,105,000 | $22,670,000 | -44.8% | 0.1% |
NP, Inc. | $2,380,000 | $22,430,000 | 842.4% | 0.1% |
LAND HOME FINANCIAL SERVICES, INC. | $57,670,000 | $21,730,000 | -62.3% | 0.1% |
PHH Mortgage Corporation | $65,995,000 | $21,665,000 | -67.2% | 0.1% |
SUMMIT FUNDING, INC. | $115,925,000 | $20,945,000 | -81.9% | 0.1% |
HomeTrust Bank | $9,455,000 | $20,365,000 | 115.4% | 0.1% |
Truist | $43,415,000 | $20,325,000 | -53.2% | 0.1% |
Ally Bank | $138,640,000 | $20,115,000 | -85.5% | 0.1% |
DEEPHAVEN MORTGAGE LLC | $20,705,000 | $20,015,000 | -3.3% | 0.1% |
SCHOOLSFIRST | $22,590,000 | $19,765,000 | -12.5% | 0.1% |
SIRVA MORTGAGE, INC. | $10,795,000 | $19,290,000 | 78.7% | 0.1% |
Hometown Equity Mortgage, LLC | $35,895,000 | $19,270,000 | -46.3% | 0.1% |
Exchange Bank | $17,170,000 | $19,195,000 | 11.8% | 0.1% |
Golden Empire Mortgage, Inc. | $28,200,000 | $18,920,000 | -32.9% | 0.1% |
FREEDOM MORTGAGE CORPORATION | $95,165,000 | $18,775,000 | -80.3% | 0.1% |
ONY GLO, INC. | $39,455,000 | $18,715,000 | -52.6% | 0.1% |
A&D Mortgage LLC | $28,565,000 | $18,270,000 | -36.0% | 0.1% |
TRIAD FINANCIAL SERVICES, INC. | $10,705,000 | $17,745,000 | 65.8% | 0.1% |
NBKC BANK | $31,865,000 | $17,520,000 | -45.0% | 0.1% |
Fifth Third Bank | $27,800,000 | $17,495,000 | -37.1% | 0.1% |
LEADERONE FINANCIAL CORPORATION | $795,000 | $17,400,000 | 2,088.7% | 0.1% |
THE POLICE Credit Union | $33,510,000 | $17,255,000 | -48.5% | 0.1% |
CALIFORNIA CREDIT UNION | $56,745,000 | $16,790,000 | -70.4% | 0.0% |
SUN WEST MORTGAGE COMPANY, INC. | $15,520,000 | $16,705,000 | 7.6% | 0.0% |
Shea Mortgage Inc. | $19,175,000 | $16,090,000 | -16.1% | 0.0% |
American Mortgage & Equity Consultants, Inc. | $16,055,000 | n/a | 0.0% | |
SPRING EQ, LLC | $123,600,000 | $15,950,000 | -87.1% | 0.0% |
JONES LANG LASALLE MULTIFAMILY, LLC | $15,730,000 | n/a | 0.0% | |
First Federal Savings and Loan Association of San Rafael | $21,725,000 | $15,320,000 | -29.5% | 0.0% |
MK LENDING CORP. | $10,385,000 | $15,280,000 | 47.1% | 0.0% |
FUNDLOANS CAPITAL | $18,510,000 | $15,235,000 | -17.7% | 0.0% |
NATIONS DIRECT MORTGAGE, LLC | $34,860,000 | $14,760,000 | -57.7% | 0.0% |
Logan Finance Corporation | $7,900,000 | $14,425,000 | 82.6% | 0.0% |
CITIZENS EQUITY FIRST | $14,795,000 | $14,415,000 | -2.6% | 0.0% |
5TH STREET CAPITAL, INC. | $52,120,000 | $14,350,000 | -72.5% | 0.0% |
DHI MORTGAGE COMPANY, LTD. | $27,550,000 | $14,015,000 | -49.1% | 0.0% |
CALCON MUTUAL MORTGAGE LLC | $26,720,000 | $13,875,000 | -48.1% | 0.0% |
ALLIED MORTGAGE GROUP, INC. | $4,110,000 | $13,680,000 | 232.8% | 0.0% |
BAY-VALLEY MORTGAGE GROUP | $13,460,000 | n/a | 0.0% | |
UIF CORPORATION | $16,990,000 | $13,275,000 | -21.9% | 0.0% |
Equity Prime Mortgage LLC | $13,450,000 | $13,050,000 | -3.0% | 0.0% |
LIMA ONE CAPITAL, LLC | $4,815,000 | $12,910,000 | 168.1% | 0.0% |
MidFirst Bank | $5,995,000 | $12,865,000 | 114.6% | 0.0% |
AXIA FINANCIAL, LLC | $6,920,000 | $12,840,000 | 85.5% | 0.0% |
TBI MORTGAGE COMPANY | $30,095,000 | $12,535,000 | -58.3% | 0.0% |
LENDSURE MORTGAGE CORP. | $32,630,000 | $12,455,000 | -61.8% | 0.0% |
First Northern Bank of Dixon | $2,110,000 | $12,330,000 | 484.4% | 0.0% |
PLANET HOME LENDING, LLC | $65,525,000 | $12,100,000 | -81.5% | 0.0% |
CTBC Bank Corp. (USA) | $15,815,000 | $11,995,000 | -24.2% | 0.0% |
ACADEMY MORTGAGE CORPORATION | $9,130,000 | $11,885,000 |