San Francisco - Oakland - Berkeley Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in San Francisco - Oakland - Berkeley averaged
6.58%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.51% and
one month ago for the week of 2025-05-15, the
average rate was 6.78%.
San Francisco - Oakland - Berkeley's average rate one year ago was 6.82%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.38%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| San Francisco - Oakland - Berkeley 30 Year Fixed Rate | 2025-06-18 | 6.58% |
| San Francisco - Oakland - Berkeley 30 Year Fixed Rate Refi | 2025-06-18 | 6.38% |
| San Francisco - Oakland - Berkeley 15 Year Fixed Rate | 2025-06-18 | 5.9% |
| San Francisco - Oakland - Berkeley 15 Year Fixed Rate Refi | 2025-06-18 | 6.17% |
| San Francisco - Oakland - Berkeley 30 Year FHA | 2025-06-18 | -0.45% |
| San Francisco - Oakland - Berkeley 30 Year FHA Refi | 2025-06-18 | -0.76% |
| San Francisco - Oakland - Berkeley 30 Year USDA | 2025-06-18 | 0.2% |
| San Francisco - Oakland - Berkeley 30 Year USDA Refi | 2025-06-18 | 0.2% |
| San Francisco - Oakland - Berkeley 30 Year VA | 2025-06-18 | -0.31% |
| San Francisco - Oakland - Berkeley 30 Year VA Refi | 2025-06-18 | -0.56% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within San Francisco-Oakland-Berkeley, CA.
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 363 lenders originated 53,830
loans during 2024. The total origination value was $42,426,170,000, with an average loan value of
$788,151.
San Francisco - Oakland - Berkeley's average closing costs are $5,981.
The top San Francisco - Oakland - Berkeley lender as defined by loan originations is QUICKEN LOANS, LLC, with
2,884 loans originated. Their average total fees are
$7,633, which is $2,603
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee San Francisco - Oakland - Berkeley lenders (with over 10 loans originated) are
Shea Mortgage Inc. ($2,350), HOMEAMERICAN MORTGAGE CORPORATION ($2,629), Fremont Bank ($2,846), PULTE MORTGAGE LLC ($2,953) and CITIZENS EQUITY FIRST ($3,540).
The lowest rate San Francisco - Oakland - Berkeley lenders (with over 10 loans originated) are
Raymond James Bank (5.65%), SAN FRANCISCO FEDERAL CREDIT UNION (5.68%), Charles Schwab Bank, SSB (5.79%), PULTE MORTGAGE LLC (5.83%) and UNCLE Credit Union (5.91%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Wells Fargo Bank | $2,979,460,000 | $2,760,180,000 | -7.4% | 6.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $1,859,620,000 | $2,645,175,000 | 42.2% | 6.2% |
| Bank of America | $2,023,070,000 | $2,588,005,000 | 27.9% | 6.1% |
| U.S. Bank | $1,782,550,000 | $2,504,280,000 | 40.5% | 5.9% |
| QUICKEN LOANS, LLC | $1,764,045,000 | $2,416,940,000 | 37.0% | 5.7% |
| JPMorgan Chase Bank | $2,005,280,000 | $2,236,110,000 | 11.5% | 5.3% |
| Citibank | $1,785,315,000 | $1,858,665,000 | 4.1% | 4.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $816,230,000 | $1,278,440,000 | 56.6% | 3.0% |
| PNC Bank | $1,031,190,000 | $1,244,070,000 | 20.6% | 2.9% |
| BMO Harris Bank | $804,400,000 | $1,192,665,000 | 48.3% | 2.8% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $333,700,000 | $857,395,000 | 156.9% | 2.0% |
| Morgan Stanley Private Bank | $583,900,000 | $716,310,000 | 22.7% | 1.7% |
| GUARANTEED RATE, INC. | $452,085,000 | $624,925,000 | 38.2% | 1.5% |
| PATELCO | $406,545,000 | $451,845,000 | 11.1% | 1.1% |
| Charles Schwab Bank, SSB | $269,810,000 | $448,985,000 | 66.4% | 1.1% |
| Fremont Bank | $257,570,000 | $422,110,000 | 63.9% | 1.0% |
| LOANDEPOT.COM, LLC | $339,700,000 | $420,125,000 | 23.7% | 1.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $411,935,000 | $414,500,000 | 0.6% | 1.0% |
| First-Citizens Bank & Trust Company | $368,730,000 | $413,475,000 | 12.1% | 1.0% |
| THE GOLDEN 1 | $462,620,000 | $405,895,000 | -12.3% | 1.0% |
| CMG MORTGAGE, INC. | $308,315,000 | $377,280,000 | 22.4% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $151,410,000 | $338,440,000 | 123.5% | 0.8% |
| Citizens Bank | $60,410,000 | $319,075,000 | 428.2% | 0.8% |
| BROKER SOLUTIONS, INC. | $162,460,000 | $313,490,000 | 93.0% | 0.7% |
| General Mortgage Capital Corporation | $191,835,000 | $300,185,000 | 56.5% | 0.7% |
| ORIX REAL ESTATE CAPITAL, LLC | $26,585,000 | $298,875,000 | 1,024.2% | 0.7% |
| REDWOOD | $295,815,000 | $287,485,000 | -2.8% | 0.7% |
| STAR ONE CREDIT UNION | $269,960,000 | $272,765,000 | 1.0% | 0.6% |
| LENDINGHOME FUNDING CORPORATION | $195,735,000 | $264,940,000 | 35.4% | 0.6% |
| Commerce Home Mortgage, Inc. | $318,700,000 | $256,155,000 | -19.6% | 0.6% |
| CBRE MULTIFAMILY CAPITAL, INC. | $10,485,000 | $243,415,000 | 2,221.6% | 0.6% |
| AMWEST FUNDING CORP. | $173,380,000 | $239,375,000 | 38.1% | 0.6% |
| The Loan Store, Inc. | $51,435,000 | $230,830,000 | 348.8% | 0.5% |
| WALKER & DUNLOP, LLC | $130,800,000 | $227,455,000 | 73.9% | 0.5% |
| EVERETT FINANCIAL, INC. | $155,085,000 | $226,565,000 | 46.1% | 0.5% |
| GUARANTEED RATE AFFINITY, LLC | $123,385,000 | $224,650,000 | 82.1% | 0.5% |
| East West Bank | $286,895,000 | $215,550,000 | -24.9% | 0.5% |
| Vellum Mortgage, Inc. | $100,925,000 | $197,385,000 | 95.6% | 0.5% |
| EAGLE HOME MORTGAGE, LLC | $237,990,000 | $186,545,000 | -21.6% | 0.4% |
| STANFORD Federal Credit Union | $245,240,000 | $186,350,000 | -24.0% | 0.4% |
| Provident Credit Union | $249,550,000 | $185,165,000 | -25.8% | 0.4% |
| Prudential Huntoon Paige Associates, LLC | $72,615,000 | $181,700,000 | 150.2% | 0.4% |
| Flagstar Bank, FSB | $149,165,000 | $180,730,000 | 21.2% | 0.4% |
| GOOGAIN, INC. | $79,935,000 | $166,365,000 | 108.1% | 0.4% |
| FINANCE OF AMERICA REVERSE LLC | $128,035,000 | $158,065,000 | 23.5% | 0.4% |
| AMERITRUST MORTGAGE CORPORATION | $10,485,000 | $148,530,000 | 1,316.6% | 0.4% |
| NEW WAVE LENDING GROUP INC | $65,660,000 | $147,255,000 | 124.3% | 0.3% |
| Metropolitan Life Insurance Co | $144,180,000 | n/a | 0.3% | |
| NEWREZ LLC | $65,790,000 | $143,925,000 | 118.8% | 0.3% |
| NMSI, INC. | $66,170,000 | $140,015,000 | 111.6% | 0.3% |
| AmeriHome Mortgage Company, LLC | $72,500,000 | $137,125,000 | 89.1% | 0.3% |
| Goldman Sachs Bank USA | $92,135,000 | $131,335,000 | 42.5% | 0.3% |
| GUILD MORTGAGE COMPANY | $106,615,000 | $128,690,000 | 20.7% | 0.3% |
| Century Mortgage Company DBA Century Lending Company | $99,755,000 | $123,855,000 | 24.2% | 0.3% |
| Zions Bank | $99,785,000 | $120,015,000 | 20.3% | 0.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $90,780,000 | $116,370,000 | 28.2% | 0.3% |
| UBS Bank USA | $87,705,000 | $115,810,000 | 32.0% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $63,060,000 | $112,450,000 | 78.3% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $82,120,000 | $103,065,000 | 25.5% | 0.2% |
| BAY EQUITY LLC | $76,000,000 | $95,390,000 | 25.5% | 0.2% |
| OCMBC, INC. | $66,165,000 | $95,290,000 | 44.0% | 0.2% |
| NexBank | $65,145,000 | $95,080,000 | 46.0% | 0.2% |
| Ameris Bank | $63,915,000 | $94,665,000 | 48.1% | 0.2% |
| Mechanics Bank | $70,095,000 | $91,445,000 | 30.5% | 0.2% |
| Comerica Bank | $72,620,000 | $91,095,000 | 25.4% | 0.2% |
| PGIM Real Estate Finance, LLC | $90,005,000 | n/a | 0.2% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $57,140,000 | $89,015,000 | 55.8% | 0.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $45,910,000 | $88,560,000 | 92.9% | 0.2% |
| NEXERA HOLDING LLC | $52,835,000 | $86,475,000 | 63.7% | 0.2% |
| ALLIANT CREDIT UNION | $67,475,000 | $84,785,000 | 25.7% | 0.2% |
| Regions Bank | $413,410,000 | $83,395,000 | -79.8% | 0.2% |
| SANDIA LABORATORY | $10,590,000 | $81,850,000 | 672.9% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $68,795,000 | $80,425,000 | 16.9% | 0.2% |
| Sierra Pacific Mortgage Company, Inc. | $72,415,000 | $80,330,000 | 10.9% | 0.2% |
| FREEDOM MORTGAGE CORPORATION | $18,775,000 | $80,115,000 | 326.7% | 0.2% |
| San Mateo Credit Union | $54,895,000 | $77,665,000 | 41.5% | 0.2% |
| SAN FRANCISCO FEDERAL CREDIT UNION | $7,170,000 | $77,570,000 | 981.9% | 0.2% |
| Citadel Servicing Corporation | $52,015,000 | $74,125,000 | 42.5% | 0.2% |
| Cornerstone First Mortgage, Inc | $24,475,000 | $73,310,000 | 199.5% | 0.2% |
| FIRST TECHNOLOGY | $38,375,000 | $72,590,000 | 89.2% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $125,375,000 | $72,325,000 | -42.3% | 0.2% |
| CHEVRON | $62,795,000 | $71,390,000 | 13.7% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $11,075,000 | $70,945,000 | 540.6% | 0.2% |
| Bank of Marin | $51,540,000 | $68,790,000 | 33.5% | 0.2% |
| MLD MORTGAGE INC. | $31,830,000 | $67,850,000 | 113.2% | 0.2% |
| Figure Lending LLC | $48,960,000 | $67,570,000 | 38.0% | 0.2% |
| KBHS HOME LOANS, LLC | $35,695,000 | $63,735,000 | 78.6% | 0.2% |
| ALAMEDA MORTGAGE CORPORATION | $41,015,000 | $61,040,000 | 48.8% | 0.1% |
| BETTER MORTGAGE CORPORATION | $32,440,000 | $59,705,000 | 84.0% | 0.1% |
| Tri Counties Bank | $56,745,000 | $58,840,000 | 3.7% | 0.1% |
| Mortgage Research Center, LLC | $40,975,000 | $57,280,000 | 39.8% | 0.1% |
| ENVOY MORTGAGE, LTD | $45,665,000 | $56,875,000 | 24.5% | 0.1% |
| Bethpage Federal Credit Union | $49,210,000 | $56,675,000 | 15.2% | 0.1% |
| Axos Bank | $73,040,000 | $56,575,000 | -22.5% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $42,830,000 | $56,535,000 | 32.0% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $89,785,000 | $52,285,000 | -41.8% | 0.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $33,870,000 | $51,815,000 | 53.0% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $20,015,000 | $51,680,000 | 158.2% | 0.1% |
| 1ST UNITED SERVICES CREDIT UNION | $59,425,000 | $50,945,000 | -14.3% | 0.1% |
| NATIONAL COOPERATIVE BANK, N.A. | $38,260,000 | $50,855,000 | 32.9% | 0.1% |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $50,415,000 | n/a | 0.1% | |
| LONGBRIDGE FINANCIAL, LLC | $49,145,000 | $49,420,000 | 0.6% | 0.1% |
| ARC HOME LLC | $36,205,000 | $48,680,000 | 34.5% | 0.1% |
| UNCLE Credit Union | $27,320,000 | $48,660,000 | 78.1% | 0.1% |
| FUNDLOANS CAPITAL | $15,235,000 | $48,120,000 | 215.9% | 0.1% |
| First Bank | $41,820,000 | $47,965,000 | 14.7% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $48,285,000 | $47,435,000 | -1.8% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $26,260,000 | $47,370,000 | 80.4% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $34,205,000 | $45,255,000 | 32.3% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $29,590,000 | $45,245,000 | 52.9% | 0.1% |
| City National Bank | $65,040,000 | $44,495,000 | -31.6% | 0.1% |
| PULTE MORTGAGE LLC | $66,120,000 | $43,785,000 | -33.8% | 0.1% |
| TRAVIS CREDIT UNION | $39,270,000 | $43,400,000 | 10.5% | 0.1% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | $5,470,000 | $42,725,000 | 681.1% | 0.1% |
| UNION HOME MORTGAGE CORP. | $11,420,000 | $42,675,000 | 273.7% | 0.1% |
| NBKC BANK | $17,520,000 | $42,595,000 | 143.1% | 0.1% |
| MK LENDING CORP. | $15,280,000 | $41,985,000 | 174.8% | 0.1% |
| BERKELEY POINT CAPITAL LLC | $35,660,000 | $41,870,000 | 17.4% | 0.1% |
| TECHNOLOGY | $25,000,000 | $41,690,000 | 66.8% | 0.1% |
| JMAC LENDING, INC. | $36,845,000 | $41,515,000 | 12.7% | 0.1% |
| Umpqua Bank | $43,725,000 | $40,465,000 | -7.5% | 0.1% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $15,730,000 | $40,390,000 | 156.8% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $23,465,000 | $37,825,000 | 61.2% | 0.1% |
| Cathay Bank | $46,870,000 | $37,620,000 | -19.7% | 0.1% |
| South Pacific Financial Corporation | $39,700,000 | $37,130,000 | -6.5% | 0.1% |
| Stifel Bank and Trust | $22,795,000 | $37,100,000 | 62.8% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $38,140,000 | $36,820,000 | -3.5% | 0.1% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $94,145,000 | $36,625,000 | -61.1% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $22,670,000 | $35,810,000 | 58.0% | 0.1% |
| Grandbridge Real Estate Capital LLC | $35,335,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $50,015,000 | $34,750,000 | -30.5% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $27,265,000 | $34,700,000 | 27.3% | 0.1% |
| Logan Finance Corporation | $14,425,000 | $33,620,000 | 133.1% | 0.1% |
| PACIFIC SERVICE | $27,550,000 | $33,270,000 | 20.8% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $14,760,000 | $32,360,000 | 119.2% | 0.1% |
| The Lincoln National Life Insurance Company | $32,310,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $22,805,000 | $32,210,000 | 41.2% | 0.1% |
| SAFE CREDIT UNION | $66,505,000 | $32,010,000 | -51.9% | 0.1% |
| Performance Financial, Inc. | $7,500,000 | $31,810,000 | 324.1% | 0.1% |
| KINECTA | $61,765,000 | $29,580,000 | -52.1% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $21,730,000 | $28,825,000 | 32.7% | 0.1% |
| Washington Federal Bank | $28,730,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $23,695,000 | $28,545,000 | 20.5% | 0.1% |
| S1L, Inc. | $44,930,000 | $28,420,000 | -36.7% | 0.1% |
| Hometown Equity Mortgage, LLC | $19,270,000 | $28,205,000 | 46.4% | 0.1% |
| SPRING EQ, LLC | $15,950,000 | $27,805,000 | 74.3% | 0.1% |
| Northpointe Bank | $9,885,000 | $27,515,000 | 178.4% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $16,705,000 | $27,260,000 | 63.2% | 0.1% |
| CITIZENS EQUITY FIRST | $14,415,000 | $27,105,000 | 88.0% | 0.1% |
| MERIWEST MORTGAGE COMPANY, LLC | $34,885,000 | $26,730,000 | -23.4% | 0.1% |
| Home Mortgage Alliance Corp | $26,530,000 | n/a | 0.1% | |
| Provident Savings Bank, F.S.B. | $26,125,000 | $26,380,000 | 1.0% | 0.1% |
| BNY Mellon | $23,355,000 | $26,345,000 | 12.8% | 0.1% |
| Raymond James Bank | $27,540,000 | $25,980,000 | -5.7% | 0.1% |
| TEACHERS | $3,260,000 | $25,800,000 | 691.4% | 0.1% |
| SAN FRANCISCO FIRE CREDIT UNION | $29,080,000 | $25,460,000 | -12.4% | 0.1% |
| Coastal Community Bank | $11,630,000 | $25,450,000 | 118.8% | 0.1% |
| A&D Mortgage LLC | $18,270,000 | $25,420,000 | 39.1% | 0.1% |
| Golden Bank | $44,070,000 | $24,150,000 | -45.2% | 0.1% |
| ONY GLO, INC. | $18,715,000 | $22,830,000 | 22.0% | 0.1% |
| PHH Mortgage Corporation | $21,665,000 | $22,620,000 | 4.4% | 0.1% |
| SCHOOLSFIRST | $19,765,000 | $22,620,000 | 14.4% | 0.1% |
| GREYSTONE SERVICING COMPANY LLC | $44,690,000 | $22,185,000 | -50.4% | 0.1% |
| KEYPOINT | $11,680,000 | $22,130,000 | 89.5% | 0.1% |
| M&T Realty Capital Corporation | $22,125,000 | n/a | 0.1% | |
| Discover Bank | $24,480,000 | $21,705,000 | -11.3% | 0.1% |
| TBI MORTGAGE COMPANY | $12,535,000 | $21,655,000 | 72.8% | 0.1% |
| LENDSURE MORTGAGE CORP. | $12,455,000 | $20,975,000 | 68.4% | 0.0% |
| Golden Empire Mortgage, Inc. | $18,920,000 | $20,590,000 | 8.8% | 0.0% |
| DIGITAL Federal Credit Union | $29,755,000 | $20,575,000 | -30.9% | 0.0% |
| HighTechLending Inc | $11,185,000 | $19,865,000 | 77.6% | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | $6,695,000 | $19,790,000 | 195.6% | 0.0% |
| Greenbox Loans, Inc. | $7,180,000 | $19,520,000 | 171.9% | 0.0% |
| Merchants Capital Corp. | $1,555,000 | $19,335,000 | 1,143.4% | 0.0% |
| ADVANCIAL | $11,270,000 | $19,190,000 | 70.3% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,905,000 | $19,145,000 | 905.0% | 0.0% |
| CARDINAL FINANCIAL | $25,720,000 | $19,125,000 | -25.6% | 0.0% |
| NFM, INC. | $10,190,000 | $18,870,000 | 85.2% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $6,790,000 | $18,865,000 | 177.8% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $1,795,000 | $18,710,000 | 942.3% | 0.0% |
| AMERISAVE MORTGAGE CORPORATION | $27,085,000 | $18,485,000 | -31.8% | 0.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | $3,420,000 | $18,225,000 | 432.9% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $13,680,000 | $18,090,000 | 32.2% | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | $23,425,000 | $18,065,000 | -22.9% | 0.0% |
| Merchants Mortgage & Trust Corporation | $24,340,000 | $17,970,000 | -26.2% | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | $14,015,000 | $17,920,000 | 27.9% | 0.0% |
| First Foundation Bank | $2,470,000 | $17,470,000 | 607.3% | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | $13,460,000 | $17,335,000 | 28.8% | 0.0% |
| Luxury Mortgage Corp. | $4,430,000 | $17,205,000 | 288.4% | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | $5,455,000 | $16,845,000 | 208.8% | 0.0% |
| Ally Bank | $20,115,000 | $16,725,000 | -16.9% | 0.0% |
| Farmers Bank & Trust | $4,040,000 | $16,675,000 | 312.7% | 0.0% |
| PLANET HOME LENDING, LLC | $12,100,000 | $16,500,000 | 36.4% | 0.0% |
| SIRVA MORTGAGE, INC. | $19,290,000 | $16,060,000 | -16.7% | 0.0% |
| Watermark Capital, Inc. | $9,340,000 | $15,960,000 | 70.9% | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | $15,285,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $10,715,000 | $14,960,000 | 39.6% | 0.0% |
| OAKTREE FUNDING CORP. | $3,380,000 | $14,765,000 | 336.8% | 0.0% |
| Village Bank & Trust | $14,655,000 | n/a | 0.0% | |
| 5TH STREET CAPITAL, INC. | $14,350,000 | $14,510,000 | 1.1% | 0.0% |
| Carrington Mortgage Services, LLC | $10,425,000 | $13,865,000 | 33.0% | 0.0% |
| North Coast Financial, Inc. | $3,430,000 | $13,865,000 | 304.2% | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | $4,125,000 | $13,770,000 | 233.8% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $17,745,000 | $13,490,000 | -24.0% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $16,055,000 | $13,465,000 | -16.1% | 0.0% |
| M&T Bank | $1,940,000 | $13,365,000 | 588.9% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $23,875,000 | $13,180,000 | -44.8% | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | $6,365,000 | $13,165,000 | 106.8% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $10,995,000 | $13,065,000 | 18.8% | 0.0% |
| Equity Prime Mortgage LLC | $13,050,000 | $12,835,000 | -1.6% | 0.0% |
| First Federal Savings and Loan Association of San Rafael | $15,320,000 | $12,740,000 | -16.8% | 0.0% |
| NuVision Federal Credit Union | $4,070,000 | $12,720,000 | 212.5% | 0.0% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $32,455,000 | $12,450,000 | -61.6% | 0.0% |
| USAA Federal Savings Bank | $7,720,000 | $12,410,000 | 60.8% | 0.0% |
| THE POLICE Credit Union | $17,255,000 | $12,285,000 | -28.8% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $4,720,000 | $12,190,000 | 158.3% | 0.0% |
| INTERCAP LENDING INC. | $11,205,000 | $12,120,000 | 8.2% | 0.0% |
| COASTAL FUNDING SLC, INC. | $6,960,000 | $12,095,000 | 73.8% | 0.0% |
| Industrial and Commercial Bank of China USA | $53,015,000 | $12,095,000 | -77.2% | 0.0% |
| SACRAMENTO Credit Union | $4,225,000 | $11,950,000 | 182.8% | 0.0% |
| EMBRACE HOME LOANS, INC. | $7,430,000 | $11,905,000 | 60.2% | 0.0% |
| USAlliance Federal Credit Union | $7,490,000 | $11,800,000 | 57.5% | 0.0% |
| MACKILLIE INCORPORATED | $6,160,000 | $11,575,000 | 87.9% | 0.0% |
| PROPER RATE, LLC | $11,530,000 | n/a | 0.0% | |
| Franklin Loan Corporation | $5,430,000 | $11,380,000 | 109.6% | 0.0% |
| HomeTrust Bank | $20,365,000 | $10,990,000 | -46.0% | 0.0% |
| State Bank of the Lakes | $10,670,000 | n/a | 0.0% | |
| Royal Business Bank | $1,780,000 | $10,570,000 | 493.8% | 0.0% |
| SUMMIT FUNDING, INC. | $20,945,000 | $10,560,000 | -49.6% | 0.0% |
| HomeStreet Bank | $27,480,000 | $10,515,000 | -61.7% | 0.0% |
| CBC Federal Credit Union | $4,680,000 | $10,480,000 | 123.9% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $13,875,000 | $10,380,000 | -25.2% | 0.0% |
| PREMIER LENDING, INC. | $9,740,000 | $10,375,000 | 6.5% | 0.0% |
| Exchange Bank | $19,195,000 | $10,165,000 | -47.0% | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | $5,130,000 | $10,115,000 | 97.2% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $1,915,000 | $9,870,000 | 415.4% | 0.0% |
| CIBC Bank USA | $1,510,000 | $9,805,000 | 549.3% | 0.0% |
| 1ST NORTHERN CALIFORNIA | $4,455,000 | $9,685,000 | 117.4% | 0.0% |
| MORTGAGEONE, INC. | $955,000 | $9,680,000 | 913.6% | 0.0% |
| Libertyville Bank & Trust | $9,570,000 | n/a | 0.0% | |
| The Northern Trust Company | $6,660,000 | $9,465,000 | 42.1% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $3,460,000 | $9,000,000 | 160.1% | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | $8,995,000 | n/a | 0.0% | |
| Service Federal Credit Union | $570,000 | $8,975,000 | 1,474.6% | 0.0% |
| LANTZMAN MANAGEMENT, INC. | $3,310,000 | $8,950,000 | 170.4% | 0.0% |
| 21ST MORTGAGE CORPORATION | $11,275,000 | $8,790,000 | -22.0% | 0.0% |
| VILLAGE CAPITAL MORTGAGE | $3,845,000 | $8,685,000 | 125.9% | 0.0% |
| NP, Inc. | $22,430,000 | $8,635,000 | -61.5% | 0.0% |
| UIF CORPORATION | $13,275,000 | $8,520,000 | -35.8% | 0.0% |
| BM Real Estate Services, Inc. | $1,185,000 | $8,490,000 | 616.5% | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | $8,425,000 | n/a | 0.0% | |
| Shea Mortgage Inc. | $16,090,000 | $8,400,000 | -47.8% | 0.0% |
| AHL FUNDING | $2,070,000 | $8,355,000 | 303.6% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $2,905,000 | $8,170,000 | 181.2% | 0.0% |
| Old Plank Trail Community Bank | $8,155,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $530,000 | $7,985,000 | 1,406.6% | 0.0% |
| Schaumburg Bank & Trust | $7,935,000 | n/a | 0.0% | |
| Wheaton Bank & Trust | $7,645,000 | n/a | 0.0% | |
| River City Bank | $7,625,000 | n/a | 0.0% | |
| Boeing Employees Credit Union | $6,670,000 | $7,620,000 | 14.2% | 0.0% |
| GTE Federal Credit Union | $5,600,000 | $7,570,000 | 35.2% | 0.0% |
| Firefighters First Federal Credit Union | $6,585,000 | $7,480,000 | 13.6% | 0.0% |
| Truist | $20,325,000 | $7,400,000 | -63.6% | 0.0% |
| Bank-Fund Staff Federal Credit Union | $3,975,000 | $7,345,000 | 84.8% | 0.0% |
| AXIA FINANCIAL, LLC | $12,840,000 | $7,160,000 | -44.2% | 0.0% |
| First National Bank of America | $3,495,000 | $6,980,000 | 99.7% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $17,400,000 | $6,975,000 | -59.9% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $485,000 | $6,960,000 | 1,335.1% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $5,035,000 | $6,920,000 | 37.4% | 0.0% |
| MidFirst Bank | $12,865,000 | $6,890,000 | -46.4% | 0.0% |
| Baxter Credit Union | $3,410,000 | $6,885,000 | 101.9% | 0.0% |
| MERIWEST | $7,810,000 | $6,835,000 | -12.5% | 0.0% |
| Fifth Third Bank | $17,495,000 | $6,730,000 | -61.5% | 0.0% |
| First Federal Bank | $4,260,000 | $6,620,000 | 55.4% | 0.0% |
| Plains Commerce Bank | $9,780,000 | $6,550,000 | -33.0% | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | $4,300,000 | $6,540,000 | 52.1% | 0.0% |
| SCENIC OAKS FUNDING, INC. | $1,625,000 | $6,520,000 | 301.2% | 0.0% |
| LADERA LENDING, INC. | $7,365,000 | $6,470,000 | -12.2% | 0.0% |
| Paramount Bank | $1,900,000 | $6,320,000 | 232.6% | 0.0% |
| Citizens National Bank of Texas | $6,125,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $4,970,000 | $6,085,000 | 22.4% | 0.0% |
| TOWNE MORTGAGE COMPANY | $375,000 | $5,970,000 | 1,492.0% | 0.0% |
| WESCOM CENTRAL CREDIT UNION | $1,545,000 | $5,885,000 | 280.9% | 0.0% |
| LOANPAL, LLC | $2,120,000 | $5,880,000 | 177.4% | 0.0% |
| SILVER HILL FUNDING, LLC | $3,545,000 | $5,850,000 | 65.0% | 0.0% |
| The Huntington National Bank | $1,505,000 | $5,680,000 | 277.4% | 0.0% |
| United Nations Federal Credit Union | $5,610,000 | n/a | 0.0% | |
| Lake Forest Bank & Trust | $5,575,000 | n/a | 0.0% | |
| T. J. FINANCIAL, INC. | $3,895,000 | $5,545,000 | 42.4% | 0.0% |
| SEA WEST COAST GUARD FEDERAL CREDIT UNION | $3,480,000 | $5,520,000 | 58.6% | 0.0% |
| LOGIX FEDERAL CREDIT UNION | $3,360,000 | $5,465,000 | 62.6% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $2,440,000 | $5,460,000 | 123.8% | 0.0% |
| Wintrust Bank, N.A. | $5,320,000 | n/a | 0.0% | |
| PremierOne Credit Union | $9,060,000 | $5,220,000 | -42.4% | 0.0% |
| American Airlines Federal Credit Union | $3,390,000 | $5,125,000 | 51.2% | 0.0% |
| DAS Acquisition Company, LLC | $6,530,000 | $5,125,000 | -21.5% | 0.0% |
| Financial Partners Credit Union | $3,100,000 | $5,065,000 | 63.4% | 0.0% |
| The Federal Savings Bank | $11,670,000 | $4,805,000 | -58.8% | 0.0% |
| INTELLILOAN, INC. | $3,040,000 | $4,715,000 | 55.1% | 0.0% |
| Quontic Bank | $1,745,000 | $4,700,000 | 169.3% | 0.0% |
| SANTA CLARA COUNTY | $2,880,000 | $4,700,000 | 63.2% | 0.0% |
| Toyota Financial Savings Bank | $4,515,000 | $4,670,000 | 3.4% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $605,000 | $4,650,000 | 668.6% | 0.0% |
| Abbott Laboratories Employees Credit Union | $755,000 | $4,530,000 | 500.0% | 0.0% |
| Preferred Bank | $4,295,000 | $4,530,000 | 5.5% | 0.0% |
| PARTNERS | $920,000 | $4,485,000 | 387.5% | 0.0% |
| First Western Trust Bank | $1,075,000 | $4,465,000 | 315.3% | 0.0% |
| State Department Federal Credit Union | $1,880,000 | $4,430,000 | 135.6% | 0.0% |
| SNAPFI, INC. | $3,585,000 | $4,410,000 | 23.0% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $2,835,000 | $4,255,000 | 50.1% | 0.0% |
| CANOPY MORTGAGE, LLC | $2,435,000 | $4,225,000 | 73.5% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $2,155,000 | $4,130,000 | 91.6% | 0.0% |
| PREMIA MORTGAGE, LLC | $3,805,000 | $3,935,000 | 3.4% | 0.0% |
| KeyBank | $8,055,000 | $3,920,000 | -51.3% | 0.0% |
| FBC MORTGAGE, LLC | $3,225,000 | $3,730,000 | 15.7% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $3,675,000 | n/a | 0.0% | |
| BAY | $2,135,000 | $3,665,000 | 71.7% | 0.0% |
| Hingham Institution for Savings | $6,615,000 | $3,605,000 | -45.5% | 0.0% |
| North American Savings Bank, F.S.B. | $2,765,000 | $3,570,000 | 29.1% | 0.0% |
| ON Q FINANCIAL, INC. | $8,725,000 | $3,500,000 | -59.9% | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $2,680,000 | $3,490,000 | 30.2% | 0.0% |
| CALIFORNIA CREDIT UNION | $16,790,000 | $3,475,000 | -79.3% | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | $1,580,000 | $3,460,000 | 119.0% | 0.0% |
| Town Bank, N.A. | $1,540,000 | $3,435,000 | 123.1% | 0.0% |
| USE Credit Union | $345,000 | $3,360,000 | 873.9% | 0.0% |
| EQUITY WAVE LENDING, INC. | $5,065,000 | $3,335,000 | -34.2% | 0.0% |
| RESIDENTIAL BANCORP | $7,915,000 | $3,305,000 | -58.2% | 0.0% |
| CALLISTO GROUP, INC. | $905,000 | $3,250,000 | 259.1% | 0.0% |
| St Charles Bank & Trust | $3,220,000 | n/a | 0.0% | |
| Bank of Hope | $3,175,000 | n/a | 0.0% | |
| Amalgamated Bank | $695,000 | $3,170,000 | 356.1% | 0.0% |
| CTBC Bank Corp. (USA) | $11,995,000 | $3,105,000 | -74.1% | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $1,335,000 | $3,090,000 | 131.5% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $4,465,000 | $3,075,000 | -31.1% | 0.0% |
| FIRST ENTERTAINMENT | $1,770,000 | $3,035,000 | 71.5% | 0.0% |
| LIMA ONE CAPITAL, LLC | $12,910,000 | $3,030,000 | -76.5% | 0.0% |
| DIRECTORS MORTGAGE, INC. | $2,405,000 | $2,995,000 | 24.5% | 0.0% |
| Constant Investments, Inc. | $1,200,000 | $2,885,000 | 140.4% | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $935,000 | $2,880,000 | 208.0% | 0.0% |
| Kaiperm Diablo Federal Credit Union | $2,295,000 | $2,855,000 | 24.4% | 0.0% |
| Florida Capital Bank | $6,145,000 | $2,770,000 | -54.9% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,540,000 | $2,765,000 | 79.5% | 0.0% |
| First Horizon Bank | $1,505,000 | $2,695,000 | 79.1% | 0.0% |
| OPEN MORTGAGE, LLC | $9,630,000 | $2,690,000 | -72.1% | 0.0% |
| California Coast Credit Union | $6,720,000 | $2,685,000 | -60.0% | 0.0% |
| Self-Help Federal Credit Union | $1,250,000 | $2,675,000 | 114.0% | 0.0% |
| TJC Mortgage, Inc. | $2,225,000 | $2,655,000 | 19.3% | 0.0% |
| Arbor Realty Trust, Inc. | $2,580,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $2,465,000 | $2,560,000 | 3.9% | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | $600,000 | $2,545,000 | 324.2% | 0.0% |
| NJ LENDERS CORP. | $2,020,000 | $2,505,000 | 24.0% | 0.0% |
| Armed Forces Bank | $1,065,000 | $2,485,000 | 133.3% | 0.0% |
| T2 FINANCIAL LLC | $2,475,000 | n/a | 0.0% | |
| UNIFY FINANCIAL Credit Union | $2,685,000 | $2,455,000 | -8.6% | 0.0% |
| Commercial Loan Corporation | $1,340,000 | $2,405,000 | 79.5% | 0.0% |
| University Bank | $890,000 | $2,365,000 | 165.7% | 0.0% |
| Fidelity Bank | $2,330,000 | n/a | 0.0% | |
| CASTLE & COOKE MORTGAGE, LLC | $835,000 | $2,320,000 | 177.8% | 0.0% |
| Residential First Mortgage | $2,725,000 | $2,290,000 | -16.0% | 0.0% |
| Community First National Bank | $2,285,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $3,375,000 | $2,270,000 | -32.7% | 0.0% |
| BRIDGELOCK CAPITAL | $2,245,000 | $2,260,000 | 0.7% | 0.0% |
| Magnolia Bank | $1,260,000 | $2,185,000 | 73.4% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $2,170,000 | $2,135,000 | -1.6% | 0.0% |
| ALTURA | $1,960,000 | $2,100,000 | 7.1% | 0.0% |
| VICTORIA FINANCIAL CORP. | $2,070,000 | n/a | 0.0% | |
| JMJ FINANCIAL GROUP | $275,000 | $2,025,000 | 636.4% | 0.0% |
| COAST 2 COAST FUNDING GROUP, INC. | $7,695,000 | $2,010,000 | -73.9% | 0.0% |
| CommonWealth Central Credit Union | $135,000 | $1,965,000 | 1,355.6% | 0.0% |
| Beeline Loans, Inc. | $425,000 | $1,960,000 | 361.2% | 0.0% |
| AUGUSTA FINANCIAL, INC. | $2,555,000 | $1,955,000 | -23.5% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $1,400,000 | $1,915,000 | 36.8% | 0.0% |
| Beverly Bank & Trust | $2,590,000 | $1,905,000 | -26.4% | 0.0% |
| MORTGAGE ACCESS CORP. | $1,825,000 | n/a | 0.0% | |
| Bell Bank | $1,815,000 | n/a | 0.0% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $1,815,000 | n/a | 0.0% | |
| BECKAM FUNDING CORP. | $5,600,000 | $1,800,000 | -67.9% | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | $300,000 | $1,780,000 | 493.3% | 0.0% |
| Strong Home Mortgage, LLC | $5,120,000 | $1,775,000 | -65.3% | 0.0% |
| Sunflower Bank | $1,775,000 | n/a | 0.0% | |
| The Central Trust Bank | $3,070,000 | $1,765,000 | -42.5% | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $1,390,000 | $1,690,000 | 21.6% | 0.0% |
| SALAL | $1,660,000 | n/a | 0.0% | |
| CALTECH EMPLOYEES FEDERAL CREDIT UNION | $2,855,000 | $1,655,000 | -42.0% | 0.0% |
| Devon Bank | $1,635,000 | n/a | 0.0% | |
| SAMMAMISH MORTGAGE COMPANY | $715,000 | $1,625,000 | 127.3% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $1,570,000 | n/a | 0.0% | |
| Leader Bank | $645,000 | $1,550,000 | 140.3% | 0.0% |
| Community West Bank | $2,900,000 | $1,545,000 | -46.7% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $1,540,000 | n/a | 0.0% | |
| PURDUE FEDERAL CREDIT UNION | $1,535,000 | n/a | 0.0% | |
| DATA MORTGAGE, INC. | $760,000 | $1,510,000 | 98.7% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,300,000 | $1,495,000 | 15.0% | 0.0% |
| Arvest Bank | $610,000 | $1,490,000 | 144.3% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $2,295,000 | $1,475,000 | -35.7% | 0.0% |
| GEO-CORP, INC. | $1,465,000 | n/a | 0.0% | |
| Hinsdale Bank & Trust Company | $1,465,000 | n/a | 0.0% | |
| Mission City Federal Credit Union | $1,460,000 | n/a | 0.0% | |
| Connexus Credit Union | $3,090,000 | $1,450,000 | -53.1% | 0.0% |
| 1st Security Bank of Washington | $1,445,000 | n/a | 0.0% | |
| ALL REVERSE MORTGAGE, INC. | $1,810,000 | $1,445,000 | -20.2% | 0.0% |
| MORTGAGE CAPITAL PARTNERS, INC. | $695,000 | $1,430,000 | 105.8% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $5,200,000 | $1,420,000 | -72.7% | 0.0% |
| First Standard Financial Corp. | $1,420,000 | n/a | 0.0% | |
| GENISYS | $1,335,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $5,815,000 | $1,335,000 | -77.0% | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $1,130,000 | $1,260,000 | 11.5% | 0.0% |
| ORANGE COUNTY'S CREDIT UNION | $2,085,000 | $1,255,000 | -39.8% | 0.0% |
| Banner Bank | $2,640,000 | $1,250,000 | -52.7% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $715,000 | $1,240,000 | 73.4% | 0.0% |
| Shinhan Bank America | $1,235,000 | n/a | 0.0% | |
| Flanagan State Bank | $1,220,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $1,520,000 | $1,220,000 | -19.7% | 0.0% |
| ITHINK FINANCIAL Credit Union | $2,880,000 | $1,190,000 | -58.7% | 0.0% |
| Bank of Stockton | $3,360,000 | $1,180,000 | -64.9% | 0.0% |
| FAY SERVICING, LLC | $2,790,000 | $1,175,000 | -57.9% | 0.0% |
| BANC ONE MORTGAGE CORPORATION | $1,140,000 | n/a | 0.0% | |
| GMFS LLC | $1,140,000 | n/a | 0.0% | |
| NEW DAY FINANCIAL, LLC | $1,515,000 | $1,115,000 | -26.4% | 0.0% |
| MID-VALLEY SERVICES, INC. | $335,000 | $1,105,000 | 229.9% | 0.0% |
| Educational Employees Credit Union | $1,515,000 | $1,080,000 | -28.7% | 0.0% |
| EVANSVILLE TEACHERS | $1,055,000 | n/a | 0.0% | |
| NEW WEST LENDING, INC. | $1,055,000 | n/a | 0.0% | |
| VALLEY STRONG CREDIT UNION | $1,050,000 | n/a | 0.0% | |
| East Coast Capital Corp. | $425,000 | $1,045,000 | 145.9% | 0.0% |
| I.L.W.U. CREDIT UNION | $620,000 | $1,015,000 | 63.7% | 0.0% |
| USC Credit Union | $995,000 | n/a | 0.0% | |
| ML Mortgage Corp. | $990,000 | n/a | 0.0% | |
| RESIDENTIAL MORTGAGE, LLC | $985,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $965,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $1,620,000 | $960,000 | -40.7% | 0.0% |
| San Joaquin Power Employees Credit Union | $285,000 | $955,000 | 235.1% | 0.0% |
| WALL FINANCIAL, INC. | $1,070,000 | $955,000 | -10.7% | 0.0% |
| ENCORE BANK | $2,380,000 | $945,000 | -60.3% | 0.0% |
| AIR ACADEMY | $935,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $930,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,755,000 | $920,000 | -47.6% | 0.0% |
| TOGETHER CREDIT UNION | $920,000 | n/a | 0.0% | |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $695,000 | $915,000 | 31.7% | 0.0% |
| Servion, Inc. | $665,000 | $885,000 | 33.1% | 0.0% |
| PREMIER AMERICA | $155,000 | $880,000 | 467.7% | 0.0% |
| WINGS FINANCIAL | $1,685,000 | $870,000 | -48.4% | 0.0% |
| San Diego Funding | $855,000 | n/a | 0.0% | |
| Advisors Mortgage Group, L.L.C. | $205,000 | $850,000 | 314.6% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $585,000 | $840,000 | 43.6% | 0.0% |
| Elements Financial Federal Credit Union | $840,000 | n/a | 0.0% | |
| HANSCOM | $1,520,000 | $840,000 | -44.7% | 0.0% |
| TOWER | $950,000 | $840,000 | -11.6% | 0.0% |
| RANLIFE, INC. | $725,000 | $780,000 | 7.6% | 0.0% |
| Cf Bank | $765,000 | n/a | 0.0% | |
| LOANFLIGHT LENDING, LLC | $765,000 | n/a | 0.0% | |
| MOUNTAIN WEST FINANCIAL, INC. | $1,130,000 | $765,000 | -32.3% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $380,000 | $765,000 | 101.3% | 0.0% |
| Gold Coast Bank | $755,000 | n/a | 0.0% | |
| Ukrainian Federal Credit Union | $745,000 | n/a | 0.0% | |
| BOKF | $765,000 | $735,000 | -3.9% | 0.0% |
| Wilmington Savings Fund Society, FSB | $475,000 | $735,000 | 54.7% | 0.0% |
| Evolve Bank & Trust | $11,705,000 | $725,000 | -93.8% | 0.0% |
| First United Bank and Trust Company | $725,000 | n/a | 0.0% | |
| ARROWHEAD CENTRAL CREDIT UNION | $715,000 | n/a | 0.0% | |
| First American Bank | $710,000 | $715,000 | 0.7% | 0.0% |
| Credence Funding Corporation | $705,000 | n/a | 0.0% | |
| GREENSTATE CREDIT UNION | $1,365,000 | $705,000 | -48.4% | 0.0% |
| Valley National Bank | $705,000 | n/a | 0.0% | |
| Farmers & Merchants Bank of Central California | $6,175,000 | $690,000 | -88.8% | 0.0% |
| CIBM Bank | $685,000 | n/a | 0.0% | |
| Ixonia Bank | $925,000 | $685,000 | -25.9% | 0.0% |
| MORIA DEVELOPMENT, INC. | $1,990,000 | $670,000 | -66.3% | 0.0% |
| AFFINITY | $1,300,000 | $665,000 | -48.8% | 0.0% |
| DIRECTIONS EQUITY, LLC | $805,000 | $655,000 | -18.6% | 0.0% |
| First State Bank of St. Charles, Missouri | $725,000 | $655,000 | -9.7% | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | $1,650,000 | $655,000 | -60.3% | 0.0% |
| COMMUNITY FIRST CREDIT UNION | $725,000 | $625,000 | -13.8% | 0.0% |
| GSF Mortgage Corporation | $1,060,000 | $605,000 | -42.9% | 0.0% |
| CLEARPATH LENDING | $2,055,000 | $595,000 | -71.0% | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | $595,000 | n/a | 0.0% | |
| Kwik Mortgage Corporation | $585,000 | n/a | 0.0% | |
| MYPOINT Credit Union | $515,000 | $580,000 | 12.6% | 0.0% |
| Princeton Federal Credit Union | $565,000 | n/a | 0.0% | |
| LENDINGONE, LLC | $785,000 | $545,000 | -30.6% | 0.0% |
| First Savings Bank | $4,905,000 | $535,000 | -89.1% | 0.0% |
| SAN DIEGO COUNTY CREDIT UNION | $515,000 | n/a | 0.0% | |
| FIRST U.S. COMMUNITY CREDIT UNION | $1,290,000 | $510,000 | -60.5% | 0.0% |
| SUN COMMUNITY FEDERAL CREDIT U | $505,000 | n/a | 0.0% | |
| Texana Bank | $505,000 | n/a | 0.0% | |
| Noble Federal Credit Union | $485,000 | n/a | 0.0% | |
| CITYWIDE HOME LOANS, LLC | $465,000 | n/a | 0.0% | |
| Mortgage Vintage, Inc. | $255,000 | $460,000 | 80.4% | 0.0% |
| Murphy Bank | $435,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $260,000 | $435,000 | 67.3% | 0.0% |
| Northwest Federal Credit Union | $140,000 | $430,000 | 207.1% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $930,000 | $425,000 | -54.3% | 0.0% |
| Keystone Funding, Inc. | $2,545,000 | $425,000 | -83.3% | 0.0% |
| Nations Lending Corporation | $1,935,000 | $425,000 | -78.0% | 0.0% |
| INOVA FEDERAL CREDIT UNION | $440,000 | $410,000 | -6.8% | 0.0% |
| JUSTICE Federal Credit Union | $380,000 | $400,000 | 5.3% | 0.0% |
| PRIMUS LENDING CORP. | $365,000 | n/a | 0.0% | |
| COMMUNITY MORTGAGE FUNDING, LLC | $5,365,000 | $355,000 | -93.4% | 0.0% |
| CIS Financial Services, Inc. | $970,000 | $320,000 | -67.0% | 0.0% |
| Commerce Bank | $1,005,000 | $305,000 | -69.7% | 0.0% |
| Pacific City Bank | $6,770,000 | $305,000 | -95.5% | 0.0% |
| PEGASUS BANK | $305,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $1,250,000 | $300,000 | -76.0% | 0.0% |
| SESLOC | $845,000 | $290,000 | -65.7% | 0.0% |
| Southwest Airlines Federal Credit Union | $55,000 | $285,000 | 418.2% | 0.0% |
| AMERICAN FIRST | $2,995,000 | $260,000 | -91.3% | 0.0% |
| AGRICULTURE Federal Credit Union | $255,000 | n/a | 0.0% | |
| Goldwater Bank, N.A. | $245,000 | n/a | 0.0% | |
| Old National Bank | $245,000 | n/a | 0.0% | |
| THE FIRST FINANCIAL Federal Credit Union | $235,000 | n/a | 0.0% | |
| United States Senate Federal Credit Union | $700,000 | $230,000 | -67.1% | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | $225,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $225,000 | n/a | 0.0% | |
| MORTGAGE EXPRESS, LLC | $215,000 | n/a | 0.0% | |
| Canyon State Credit Union | $205,000 | n/a | 0.0% | |
| Gain Federal Credit Union | $205,000 | n/a | 0.0% | |
| SKYONE Federal Credit Union | $1,415,000 | $205,000 | -85.5% | 0.0% |
| DELTA COMMUNITY CREDIT UNION | $55,000 | $190,000 | 245.5% | 0.0% |
| Pinnacle Bank | $185,000 | n/a | 0.0% | |
| Unitus Community Credit Union | $155,000 | n/a | 0.0% | |
| EVERENCE FEDERAL CREDIT UNION | $75,000 | $105,000 | 40.0% | 0.0% |
| PARK VIEW FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| PROPONENT Federal Credit Union | $465,000 | $105,000 | -77.4% | 0.0% |
| HERITAGE COMMUNITY CREDIT UNION | $95,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $55,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $25,000 | $25,000 | 0.0% | 0.0% |
San Francisco - Oakland - Berkeley's top lender by overall market share is Wells Fargo Bank, with 6.5% market share. In second place, with 6.2%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $2,645,175,000 in loans. In third place, with 6.1%, is Bank of America, having originated $2,588,005,000 in loans. In fourth place, with 5.9%, is U.S. Bank, having originated $2,504,280,000 in loans. In fifth place, with 5.7%, is QUICKEN LOANS, LLC, having originated $2,416,940,000 in loans.
San Francisco-Oakland-Berkeley, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 28,791 | $27,851,535,000 | $967,369 |
| Refi | 8,807 | $8,531,345,000 | $968,700 |
| Cash Out Refi | 5,969 | $3,005,245,000 | $503,475 |
| Home Improvement | 5,417 | $1,358,615,000 | $250,806 |
| Other | 4,807 | $1,649,195,000 | $343,082 |
| NA | 39 | $30,235,000 | $775,256 |
San Francisco - Oakland - Berkeley's most frequently cited loan purpose was Home Purchase, with 28,791 originations. The 2nd most popular reason was Refi, with 8,807 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 23,391 | $19,690,025,000 | $841,778 |
| Over 8% | 11,348 | $3,907,220,000 | $344,309 |
| 5-6% | 8,970 | $10,906,630,000 | $1,215,901 |
| 7-8% | 8,585 | $5,876,145,000 | $684,467 |
| 4-5% | 538 | $1,121,990,000 | $2,085,483 |
| <2.5% | 464 | $355,110,000 | $765,323 |
| 3-4% | 58 | $40,360,000 | $695,862 |
| 2.5-3% | 48 | $23,890,000 | $497,708 |
During 2024, San Francisco - Oakland - Berkeley's most frequently originated rate bucket was 6-7%, with 23,391 originations.
Loan Sizing (San Francisco-Oakland-Berkeley, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $600k-1000k | 14,128 | $10,930,940,000 | $773,708 |
| $Over $1MM | 13,450 | $23,748,520,000 | $1,765,689 |
| $400k-600k | 8,966 | $4,470,810,000 | $498,640 |
| $200k-400k | 8,096 | $2,337,460,000 | $288,718 |
| $100k-200k | 5,171 | $703,035,000 | $135,957 |
| $100,000 or less | 4,019 | $235,405,000 | $58,573 |
San Francisco - Oakland - Berkeley's loan sizing saw the bucket of loans from $600k-1000k with 14,128 originations, totaling $10,930,940,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 16,039 | $18,536,145,000 | $1,155,692 |
| Under 20% | 11,660 | $1,924,770,000 | $165,075 |
| 80-100% | 11,599 | $10,763,935,000 | $928,005 |
| 40-60% | 7,187 | $6,961,815,000 | $968,668 |
| 20-40% | 6,352 | $3,152,160,000 | $496,247 |
| Over 100% | 168 | $379,200,000 | $2,257,143 |
San Francisco - Oakland - Berkeley's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 16,039 originations, totaling $18,536,145,000 in origination value.