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 6.83% for the week of 2024-04-18, compared to the national average of 7.1% for the same period.

The average rate for the prior week (2024-04-11) was 6.71% and one month ago for the week of 2024-03-14, the average rate was 6.37%.

San Francisco - Oakland - Berkeley's average rate one year ago was 6.1%.

For refis of the same type during the week of 2024-04-18, the average rate was 7.23%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-04-18 7.1%
San Francisco - Oakland - Berkeley 30 Year Fixed Rate 2024-04-18 6.83%
San Francisco - Oakland - Berkeley 30 Year Fixed Rate Refi 2024-04-18 7.23%
San Francisco - Oakland - Berkeley 15 Year Fixed Rate 2024-04-18 6.23%
San Francisco - Oakland - Berkeley 15 Year Fixed Rate Refi 2024-04-18 6.3%
San Francisco - Oakland - Berkeley 30 Year FHA 2024-04-18 6.63%
San Francisco - Oakland - Berkeley 30 Year FHA Refi 2024-04-18 6.66%
San Francisco - Oakland - Berkeley 30 Year USDA 2024-04-18 6.76%
San Francisco - Oakland - Berkeley 30 Year USDA Refi 2024-04-18 6.86%
San Francisco - Oakland - Berkeley 30 Year VA 2024-04-18 6.57%
San Francisco - Oakland - Berkeley 30 Year VA Refi 2024-04-18 6.86%
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.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
QUICKEN LOANS, LLC 2,320 6.73% $8,984
UNITED WHOLESALE MORTGAGE, LLC 1,981 6.68% $11,753
Wells Fargo Bank 1,894 6.03% $8,050
U.S. Bank 1,451 6.31% $7,588
Bank of America 1,223 6.00% $8,301
Citibank 1,140 5.81% $8,435
JPMorgan Chase Bank 1,057 6.37% $8,139
CROSSCOUNTRY MORTGAGE, LLC 910 6.96% $11,779
First Republic Bank 888 4.75% $3,993
BMO Harris Bank 573 6.17% $7,648
PNC Bank 566 6.26% $8,083
AMERICAN PACIFIC MORTGAGE CORPORATION 491 6.75% $12,828
GUARANTEED RATE, INC. 487 6.68% $10,113
LOANDEPOT.COM, LLC 427 6.56% $10,291
THE GOLDEN 1 403 6.06% $8,168
Morgan Stanley Private Bank 383 5.77% $5,609
CMG MORTGAGE, INC. 330 6.51% $11,604
EAGLE HOME MORTGAGE, LLC 301 6.27% $10,001
First-Citizens Bank & Trust Company 271 5.33% $5,812
HSBC BANK USA, NATIONAL ASSOCIATION 249 6.16% $7,248
General Mortgage Capital Corporation 244 6.74% $11,361
PATELCO 242 6.22% $8,475
REDWOOD 232 6.15% $6,037
STAR ONE CREDIT UNION 229 5.98% $5,181
Provident Credit Union 197 5.67% $5,072
Charles Schwab Bank, SSB 191 5.73% $5,542
BROKER SOLUTIONS, INC. 176 6.85% $11,698
East West Bank 174 6.21% $5,961
EVERETT FINANCIAL, INC. 168 6.91% $13,807
STANFORD Federal Credit Union 148 6.21% $6,037
PENNYMAC LOAN SERVICES, LLC 147 6.84% $10,323
GUILD MORTGAGE COMPANY 139 6.58% $14,368
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 137 6.61% $9,983
Vellum Mortgage, Inc. 137 6.81% $6,636
Flagstar Bank, FSB 130 6.65% $8,810
GUARANTEED RATE AFFINITY, LLC 125 6.77% $9,629
GOOGAIN, INC. 121 6.72% $14,772
Sierra Pacific Mortgage Company, Inc. 115 6.43% $13,678
PROVIDENT FUNDING ASSOCIATES, L.P. 115 6.56% $6,536
Fremont Bank 110 7.07% $2,022
MASON MCDUFFIE MORTGAGE CORPORATION 105 6.91% $13,252
NMSI, INC. 105 7.02% $10,816
Century Mortgage Company DBA Century Lending Company 101 6.68% $11,890
PLAZA HOME MORTGAGE, INC. 101 7.10% $9,166
Commerce Home Mortgage, Inc. 97 7.43% $12,196
BAY EQUITY LLC 93 6.65% $10,907
PULTE MORTGAGE LLC 92 5.83% $3,634
Ameris Bank 88 6.76% $8,103
Paramount Residential Mortgage Group, Inc. 83 6.76% $12,335
The Loan Store, Inc. 78 6.97% $9,920
NEW WAVE LENDING GROUP INC 71 7.64% $13,006
NexBank 71 6.84% $10,972
AmeriHome Mortgage Company, LLC 70 6.83% $9,548
HOMEBRIDGE FINANCIAL SERVICES, INC. 70 6.71% $11,569
NATIONAL COOPERATIVE BANK, N.A. 66 6.42% $5,812
NEWREZ LLC 61 6.83% $11,419
South Pacific Financial Corporation 60 6.70% $5,070
ALAMEDA MORTGAGE CORPORATION 59 6.92% $9,653
ENVOY MORTGAGE, LTD 58 6.55% $14,120
San Mateo Credit Union 56 6.30% $4,794
Citizens Bank 53 6.58% $8,405
UBS Bank USA 53 6.03% $6,095
Mr. Cooper ( Nationstar Mortgage ) 52 6.29% $15,833
OCMBC, INC. 52 8.16% $19,549
PACIFIC RESIDENTIAL MORTGAGE, LLC 51 6.63% $7,791
S1L, Inc. 50 6.97% $13,610
Zions Bank 48 6.14% $5,995
NEXERA HOLDING LLC 48 8.07% $17,307
CHEVRON 46 6.21% $5,183
MERIWEST MORTGAGE COMPANY, LLC 44 5.61% $13,350
PRIMARY RESIDENTIAL MORTGAGE, INC. 44 6.85% $14,117
JMAC LENDING, INC. 42 6.89% $9,448
HOMEOWNERS FINANCIAL GROUP USA, LLC 42 6.86% $14,444
Luther Burbank Savings 40 7.11% $10,440
ARC HOME LLC 38 7.82% $13,689
BETTER MORTGAGE CORPORATION 36 6.31% $11,867
DRAPER AND KRAMER MORTGAGE CORP. 35 7.14% $8,314
Citadel Servicing Corporation 35 8.09% $21,007
ZILLOW HOME LOANS, LLC 34 6.82% $9,070
PRIMELENDING, A PLAINSCAPITAL COMPANY 32 6.86% $22,421
LAND HOME FINANCIAL SERVICES, INC. 32 7.09% $9,673
NAVY FEDERAL CREDIT UNION 32 6.13% $8,352
Bethpage Federal Credit Union 32 6.25% $6,051
KINECTA 31 6.07% $14,144
MLD MORTGAGE INC. 31 6.64% $12,524
Goldman Sachs Bank USA 31 5.58% $7,584
SAFE CREDIT UNION 31 6.31% $9,520
AMERISAVE MORTGAGE CORPORATION 30 6.23% $18,408
KBHS HOME LOANS, LLC 29 6.27% $16,425
Cathay Bank 27 6.36% $5,791
Cornerstone First Mortgage, Inc 26 7.23% $9,600
AMERICAN FINANCIAL NETWORK, INC. 26 7.11% $14,719
Shea Mortgage Inc. 26 6.81% $2,702
Prosperity Home Mortgage, LLC 25 6.91% $9,849
TRAVIS CREDIT UNION 25 6.42% $4,756
Ally Bank 25 6.46% $14,073
HOMEXPRESS MORTGAGE CORP. 25 8.08% $19,302
FIRST TECHNOLOGY 24 6.59% $5,051
BAY-VALLEY MORTGAGE GROUP 24 6.84% $10,231
MK LENDING CORP. 23 7.17% $16,031
City National Bank 23 6.35% $6,028
CARDINAL FINANCIAL 23 6.87% $13,153
Raymond James Bank 22 5.59% $5,516
MOVEMENT MORTGAGE, LLC 22 6.77% $9,025
Axos Bank 21 7.65% $41,918
SCHOOLSFIRST 21 6.14% $4,734
NBKC BANK 21 6.59% $5,129
American Mortgage & Equity Consultants, Inc. 21 7.31% $15,519
ALLIANT CREDIT UNION 21 6.25% $7,167
First Bank 21 6.43% $8,011
Stifel Bank and Trust 20 5.88% $3,845
CALIFORNIA CREDIT UNION 20 5.27% $530
ONY GLO, INC. 20 6.57% $7,623
DHI MORTGAGE COMPANY, LTD. 20 6.43% $5,752
SUMMIT FUNDING, INC. 19 6.85% $13,668
Provident Savings Bank, F.S.B. 19 6.39% $9,058
COAST 2 COAST FUNDING GROUP, INC. 19 7.29% $11,523
DIGITAL Federal Credit Union 19 5.55% $6,308
Tri Counties Bank 18 6.35% $6,458
TBI MORTGAGE COMPANY 17 6.56% $11,581
CALIBER HOME LOANS, INC. 17 6.36% $10,166
LEADERONE FINANCIAL CORPORATION 17 7.11% $10,610
A&D Mortgage LLC 16 7.61% $24,394
1ST UNITED SERVICES CREDIT UNION 16 6.28% $4,151
UIF CORPORATION 15 7.22% $7,661
Mechanics Bank 15 6.53% $4,246
Golden Empire Mortgage, Inc. 15 6.69% $12,063
NP, Inc. 15 8.49% $28,711
Barrington Bank & Trust Company, N.A. 14 7.00% $8,846
PREMIER LENDING, INC. 14 6.91% $9,734
AXIA FINANCIAL, LLC 14 7.13% $9,649
FREEDOM MORTGAGE CORPORATION 14 6.69% $9,957
ANGEL OAK MORTGAGE SOLUTIONS LLC 14 8.19% $22,960
KEYPOINT 14 6.41% $7,651
MUTUAL OF OMAHA MORTGAGE, INC. 13 6.44% $10,791
Evolve Bank & Trust 13 6.24% $6,717
NFM, INC. 13 6.26% $10,005
ARK-LA-TEX FINANCIAL SERVICES, LLC. 13 7.00% $12,759
DAS Acquisition Company, LLC 13 6.43% $13,008
Truist 12 6.05% $7,916
Bank of the West 12 5.53% $9,142
LENDSURE MORTGAGE CORP. 12 8.07% $24,422
SUN WEST MORTGAGE COMPANY, INC. 12 6.32% $17,276
ACADEMY MORTGAGE CORPORATION 11 6.91% $17,703
PACIFIC SERVICE 11 6.22% $5,712
Equity Prime Mortgage LLC 11 6.75% $16,107
BNY Mellon 11 6.24% $8,721
Watermark Capital, Inc. 11 6.78% $7,115
Plains Commerce Bank 11 6.91% $7,970
DEEPHAVEN MORTGAGE LLC 11 8.10% $15,036
NATIONS DIRECT MORTGAGE, LLC 11 6.75% $15,131
PLANET HOME LENDING, LLC 11 6.91% $14,237
RESIDENTIAL BANCORP 10 7.52% $14,612
INTERCAP LENDING INC. 10 6.71% $17,225
Umpqua Bank 10 6.25% $10,122
UNION HOME MORTGAGE CORP. 10 7.21% $11,773
CALCON MUTUAL MORTGAGE LLC 10 6.63% $21,787
5TH STREET CAPITAL, INC. 10 8.27% $33,260
SAN FRANCISCO FEDERAL CREDIT UNION 10 6.53% $5,454
First National Bank of America 9 9.44% $14,242
AMERITRUST MORTGAGE CORPORATION 9 7.65% $13,308
GUIDANCE RESIDENTIAL, LLC 8 7.27% $13,779
Platinum Home Mortgage Corporation 8 6.92% $18,371
ON Q FINANCIAL, INC. 8 7.58% $13,565
Northpointe Bank 8 7.33% $19,579
AMCAP MORTGAGE, LTD. 8 6.95% $13,387
CITIZENS EQUITY FIRST 8 5.92% $2,683
SANDIA LABORATORY 8 6.22% $5,521
MICHIGAN MUTUAL, INC. 8 6.14% $16,645
ALLIED MORTGAGE GROUP, INC. 7 7.16% $13,423
COASTAL FUNDING SLC, INC. 7 6.68% $12,533
SIRVA MORTGAGE, INC. 7 6.84% $3,171
CORNERSTONE HOME LENDING, INC. 7 7.34% $7,629
Florida Capital Bank 7 6.63% $11,975
Boeing Employees Credit Union 7 5.89% $5,871
PENTAGON FEDERAL CREDIT UNION 7 5.98% $6,388
PHH Mortgage Corporation 7 6.39% $7,008
PREMIER MORTGAGE RESOURCES, L.L.C. 7 6.69% $11,565
Chicago Mortgage Solutions LLC 7 6.04% $10,145
CTBC Bank Corp. (USA) 6 6.90% $5,928
ADVANCIAL 6 7.67% $26,912
EMBRACE HOME LOANS, INC. 6 6.50% $8,838
Fifth Third Bank 6 6.66% $7,016
First Savings Bank 6 7.02% $5,692
Franklin Loan Corporation 6 6.48% $7,944
FUNDLOANS CAPITAL 6 8.39% $17,243
GUARANTY HOME MORTGAGE CORPORATION 6 6.60% $13,794
HOMESIDE FINANCIAL, LLC 6 7.03% $11,003
Mortgage Research Center, LLC 6 6.39% $15,138
PANORAMA MORTGAGE GROUP, LLC 6 5.92% $14,641
SNAPFI, INC. 6 6.94% $8,907
SUMMIT MORTGAGE BANKERS INC. 6 6.98% $9,519
Strong Home Mortgage, LLC 5 6.75% $4,067
California Coast Credit Union 5 6.23% $7,686
Operating Engineers Local Union #3 5 6.05% $4,417
CHURCHILL MORTGAGE CORPORATION 5 6.95% $6,902
USAA Federal Savings Bank 5 6.40% $7,808
LADERA LENDING, INC. 5 6.40% $13,700
NETWORK CAPITAL FUNDING CORPORATION 5 6.33% $12,829
Farmers Bank & Trust 5 6.50% $6,081
RBC Bank, (Georgia) 5 5.83% $5,068
Performance Financial, Inc. 5 8.00% $15,583
BNC National Bank 5 6.08% $4,592
Discover Bank 5 6.29% $0
MidFirst Bank 5 5.88% $16,790
PREMIA MORTGAGE, LLC 5 6.65% $3,600
The Federal Savings Bank 5 7.03% $19,124
Bank-Fund Staff Federal Credit Union 4 5.56% $5,981
HOMEAMERICAN MORTGAGE CORPORATION 4 7.34% $517
North American Savings Bank, F.S.B. 4 7.37% $16,177
OAKTREE FUNDING CORP. 4 8.88% $16,669
LOANPAL, LLC 4 6.09% $8,321
FOUNDATION MORTGAGE CORPORATION 4 8.59% $18,470
Luxury Mortgage Corp. 4 7.66% $22,792
KeyBank 4 6.19% $9,606
Firefighters First Federal Credit Union 4 5.75% $5,218
ROYAL UNITED MORTGAGE LLC 3 6.96% $6,179
GENEVA FINANCIAL, LLC 3 6.75% $22,043
COMMUNITY MORTGAGE FUNDING, LLC 3 6.08% $24,691
AMERICAN FINANCE HOUSE LARIBA 3 6.95% $4,993
AMERICAN INTERNET MORTGAGE, INC. 3 5.92% $11,742
AUGUSTA FINANCIAL, INC. 3 6.67% $9,606
CREDIT UNION MORTGAGE ASSOCIATION, INC. 3 6.71% $10,054
DIGNIFIED HOME LOANS, LLC 3 7.21% $8,706
DIRECTORS MORTGAGE, INC. 3 7.33% $19,787
First Federal Bank 3 7.17% $11,060
Educational Employees Credit Union 3 5.88% $3,867
LENOX FINANCIAL MORTGAGE CORPORATION 3 7.08% $8,322
FBC MORTGAGE, LLC 3 6.21% $8,783
LAKEVIEW LOAN SERVICING, LLC 3 6.25% $16,683
INTERNATIONAL CITY MORTGAGE, INC. 3 6.79% $6,791
The Northern Trust Company 3 6.33% $5,171
INSPIRE HOME LOANS INC. 3 5.54% $9,493
The Central Trust Bank 3 6.04% $6,688
TECHNOLOGY 3 7.17% $6,009
TEACHERS 3 6.17% $6,757
AHL FUNDING 3 7.33% $16,651
BRIDGELOCK CAPITAL 3 6.88% $20,971
CANOPY MORTGAGE, LLC 3 6.91% $15,171
Carrington Mortgage Services, LLC 3 6.13% $16,529
CBC Federal Credit Union 3 6.08% $18,997
Nations Lending Corporation 3 6.12% $13,637
NATIONWIDE MORTGAGE BANKERS, INC. 3 7.04% $25,876
GuardHill Financial Corp. 3 6.50% $10,315
Ixonia Bank 3 7.20% $7,417
Comerica Bank 3 6.13% $6,264
Keystone Funding, Inc. 2 5.88% $7,741
ITHINK FINANCIAL Credit Union 2 7.63% $29,196
MEMBER FIRST MORTGAGE, LLC 2 6.31% $9,060
ISERVE RESIDENTIAL LENDING, LLC 2 6.99% $8,325
I.L.W.U. CREDIT UNION 2 7.50% $2,428
MORIA DEVELOPMENT, INC. 2 7.44% $7,181
WINGS FINANCIAL 2 5.63% $3,194
GSF Mortgage Corporation 2 5.99% $3,127
Neighborhood Loans, Inc. 2 6.62% $14,779
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 2 6.38% $7,718
NJ LENDERS CORP. 2 7.06% $5,706
FISHER FINANCIAL GROUP, INCORPORATED 2 6.69% $7,112
NuVision Federal Credit Union 2 6.75% $6,194
ORANGE COUNTY'S CREDIT UNION 2 6.56% $6,585
Paramount Bank 2 6.56% $12,538
EXCITE Credit Union 2 5.25% $4,361
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2 7.43% $15,516
PLUS RELOCATION MORTGAGE, LLC 2 6.75% $24,625
POINT Mortgage 2 7.25% $13,113
DIRECT MORTGAGE, CORP. 2 6.38% $16,359
DATA MORTGAGE, INC. 2 6.31% $7,130
1ST NORTHERN CALIFORNIA 2 6.13% $9,118
Constant Investments, Inc. 2 6.69% $9,728
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 2 7.63% $8,425
SACRAMENTO Credit Union 2 6.38% $6,511
City National Bank of Florida 2 6.06% $6,267
CIBC Bank USA 2 5.63% $5,211
SANTA CLARA COUNTY 2 6.00% $6,520
CHERRY CREEK MORTGAGE, LLC 2 6.63% $899
SUCCESS MORTGAGE PARTNERS, INC. 2 6.75% $8,961
BECKAM FUNDING CORP. 2 7.81% $19,874
BAY 2 6.50% $10
TJC Mortgage, Inc. 2 6.38% $17,397
Toyota Financial Savings Bank 2 6.91% $10,773
Union Savings Bank 2 6.69% $32,835
ALTURA 2 6.50% $6,033
V.I.P. MORTGAGE, INC. 2 6.63% $6,511
WALL FINANCIAL, INC. 2 6.94% $21,398
Amalgamated Bank 1 5.75% $6,327
Quontic Bank 1 9.88% $21,311
RANLIFE, INC. 1 5.49% $26,872
First Western Trust Bank 1 6.13% $2,654
Nizari Progressive Federal Credit Union 1 6.25% $16,453
USE Credit Union 1 7.13% $0
US MORTGAGE CORPORATION 1 7.37% $18,130
FRONTWAVE 1 6.50% $4,531
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 6.88% $17,316
RMS & Associates 1 7.00% $1,550
Royal Business Bank 1 6.38% $15,207
Great Southern Bank 1 6.63% $8,226
Commerce Bank 1 6.88% $3,936
LAFAYETTE FEDERAL CREDIT UNION 1 8.50% $1,141
GREENSTATE CREDIT UNION 1 6.88% $8,523
SAMMAMISH MORTGAGE COMPANY 1 6.38% $6,779
VERITAS FUNDING, LLC 1 7.25% $32,442
JMJ FINANCIAL GROUP 1 6.13% $11,002
NBH Bank 1 7.00% $9,157
KELLER MORTGAGE, LLC 1 6.13% $14,596
SCENIC OAKS FUNDING, INC. 1 7.13% $6,986
Water and Power Community Credit Union 1 4.88% $3,053
SECURITYNATIONAL MORTGAGE COMPANY 1 8.38% $8,072
HANSCOM 1 7.00% $8,121
Carrollton Bank 1 7.50% $6,971
HighTechLending Inc 1 7.25% $8,299
Academy Bank 1 6.88% $9,046
M&T Bank 1 6.63% $5,054
Specialized Loan Servicing LLC 1 6.88% $3,487
CAMPOS FINANCIAL CORP. 1 7.88% $12,237
STARBOARD FINANCIAL MANAGEMENT, LLC 1 6.99% $5,616
HOME APPROVALS DIRECT, INC. 1 7.00% $32,132
Sterling Bank and Trust, FSB 1 5.50% $3,653
Hometown Equity Mortgage, LLC 1 5.88% $10,515
MOUNTAIN WEST FINANCIAL, INC. 1 7.63% $5,646
Loan Simple, Inc. 1 6.50% $6,300
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.00% $16,409
ABSOLUTE HOME MORTGAGE CORPORATION 1 6.63% $10,093
BNB FINANCIAL INC. 1 7.50% $12,097
BEST FINANCE CAPITAL, INC. 1 7.88% $40,076
MORTGAGEONE, INC. 1 7.50% $21,090
MORTGAGE CAPITAL PARTNERS, INC. 1 6.50% $11,219
Mortgage Assurance Inc. 1 6.88% $21,461
INTELLILOAN, INC. 1 6.88% $16,375
Waterstone Mortgage Corporation 1 8.13% $10,014
The Huntington National Bank 1 6.13% $9,374
AFFINITY 1 5.75% $7,574
MID-VALLEY SERVICES, INC. 1 6.50% $7,264
Third Federal Savings and Loan Association of Cleveland 1 4.99% $4,101
Willamette Valley Bank 1 7.13% $7,902
TOP FLITE FINANCIAL, INC. 1 7.13% $52,886
Wilmington Savings Fund Society, FSB 1 6.13% $5,002
Baxter Credit Union 1 7.38% $6,518
Bank of England 1 6.38% $13,602
Metro City Bank 1 7.25% $10,763
TRUWEST Credit Union 1 6.50% $7,561
MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION 1 6.38% $2,907
Assurance Financial Group, L.L.C. 1 5.99% $16,032
IVY MORTGAGE, INC. 1 7.25% $5,054
FineMark National Bank & Trust 1 6.38% $8,432
Financial Partners Credit Union 1 7.50% $3,388
PCMA, INC. 1 5.88% $31,261
FINANCE OF AMERICA REVERSE LLC 1 9.86% $3,515
PINNACLE LENDING GROUP, INC. 1 7.50% $19,420
PARTNERS 1 5.13% $11,134
FIRST CENTENNIAL MORTGAGE CORPORATION 1 7.13% $18,980
AMERICAN HERITAGE LENDING, INC. 1 7.50% $33,833
LOANLEADERS OF AMERICA, INC. 1 8.25% $26,147
United Fidelity Funding Corp. 1 7.38% $14,525
Encompass Lending Group, LP 1 7.88% $6,058
Magnolia Bank 1 6.75% $11,445
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION 1 5.75% $6,372
FIRST COMMUNITY MORTGAGE, INC. 1 7.00% $5,885
East Coast Capital Corp. 1 9.75% $4,516
FIRST NATIONS HOME FINANCE CORPORATION 1 7.63% $18,381
First Option Mortgage, LLC 1 6.38% $13,414
Princeton Mortgage Corporation 1 6.99% $6,511
University Bank 1 5.99% $8,952
DIRECTIONS EQUITY, LLC 1 6.50% $14,838
First State Bank of St. Charles, Missouri 1 6.25% $5,910
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 6.50% $4,657
LOGIX FEDERAL CREDIT UNION 1 6.50% $14,576

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 30.2% 0.0%
Evolve Bank & Trust $25,820,000 $11,705,000 -54.7% 0.0%
KEYPOINT $88,835,000 $11,680,000 -86.9% 0.0%
The Federal Savings Bank $23,335,000 $11,670,000 -50.0% 0.0%
Coastal Community Bank $11,630,000 n/a 0.0%
Deutsche Bank Trust Company Americas $11,530,000 n/a 0.0%
UNION HOME MORTGAGE CORP. $2,775,000 $11,420,000 311.5% 0.0%
21ST MORTGAGE CORPORATION $11,010,000 $11,275,000 2.4% 0.0%
ADVANCIAL $25,430,000 $11,270,000 -55.7% 0.0%
INTERCAP LENDING INC. $12,885,000 $11,205,000 -13.0% 0.0%
HighTechLending Inc $34,725,000 $11,185,000 -67.8% 0.0%
CALIBER HOME LOANS, INC. $436,005,000 $11,080,000 -97.5% 0.0%
Barrington Bank & Trust Company, N.A. $12,030,000 $11,075,000 -7.9% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $16,460,000 $10,995,000 -33.2% 0.0%
GEORGIA'S OWN $32,680,000 $10,715,000 -67.2% 0.0%
Alaska USA Federal Credit Union $1,125,000 $10,655,000 847.1% 0.0%
SANDIA LABORATORY $635,000 $10,590,000 1,567.7% 0.0%
AMERITRUST MORTGAGE CORPORATION $10,485,000 n/a 0.0%
CBRE MULTIFAMILY CAPITAL, INC. $294,840,000 $10,485,000 -96.4% 0.0%
Carrington Mortgage Services, LLC $27,050,000 $10,425,000 -61.5% 0.0%
NFM, INC. $11,300,000 $10,190,000 -9.8% 0.0%
Northpointe Bank $41,265,000 $9,885,000 -76.0% 0.0%
Plains Commerce Bank $14,610,000 $9,780,000 -33.1% 0.0%
PREMIER LENDING, INC. $71,180,000 $9,740,000 -86.3% 0.0%
OPEN MORTGAGE, LLC $35,890,000 $9,630,000 -73.2% 0.0%
AMCAP MORTGAGE, LTD. $2,545,000 $9,585,000 276.6% 0.0%
Watermark Capital, Inc. $53,085,000 $9,340,000 -82.4% 0.0%
PremierOne Credit Union $7,850,000 $9,060,000 15.4% 0.0%
ON Q FINANCIAL, INC. $1,685,000 $8,725,000 417.8% 0.0%
KeyBank $156,310,000 $8,055,000 -94.8% 0.0%
RESIDENTIAL BANCORP $31,790,000 $7,915,000 -75.1% 0.0%
MERIWEST $78,160,000 $7,810,000 -90.0% 0.0%
USAA Federal Savings Bank $3,765,000 $7,720,000 105.0% 0.0%
COAST 2 COAST FUNDING GROUP, INC. $15,585,000 $7,695,000 -50.6% 0.0%
Performance Financial, Inc. $7,500,000 n/a 0.0%
USAlliance Federal Credit Union $6,870,000 $7,490,000 9.0% 0.0%
EMBRACE HOME LOANS, INC. $6,755,000 $7,430,000 10.0% 0.0%
LADERA LENDING, INC. $23,860,000 $7,365,000 -69.1% 0.0%
Greenbox Loans, Inc. $18,455,000 $7,180,000 -61.1% 0.0%
SAN FRANCISCO FEDERAL CREDIT UNION $8,210,000 $7,170,000 -12.7% 0.0%
COASTAL FUNDING SLC, INC. $13,985,000 $6,960,000 -50.2% 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $16,200,000 $6,790,000 -58.1% 0.0%
Pacific City Bank $6,245,000 $6,770,000 8.4% 0.0%
California Coast Credit Union $6,830,000 $6,720,000 -1.6% 0.0%
GUIDANCE RESIDENTIAL, LLC $18,005,000 $6,695,000 -62.8% 0.0%
Boeing Employees Credit Union $4,670,000 $6,670,000 42.8% 0.0%
The Northern Trust Company $47,645,000 $6,660,000 -86.0% 0.0%
Hingham Institution for Savings $43,415,000 $6,615,000 -84.8% 0.0%
Firefighters First Federal Credit Union $21,660,000 $6,585,000 -69.6% 0.0%
DAS Acquisition Company, LLC $7,650,000 $6,530,000 -14.6% 0.0%
NATIONWIDE EQUITIES CORPORATION $51,450,000 $6,365,000 -87.6% 0.0%
Farmers & Merchants Bank of Central California $6,930,000 $6,175,000 -10.9% 0.0%
MACKILLIE INCORPORATED $12,450,000 $6,160,000 -50.5% 0.0%
Florida Capital Bank $45,760,000 $6,145,000 -86.6% 0.0%
RBC Bank, (Georgia) $4,070,000 $5,815,000 42.9% 0.0%
Platinum Home Mortgage Corporation $40,105,000 $5,745,000 -85.7% 0.0%
BECKAM FUNDING CORP. $11,960,000 $5,600,000 -53.2% 0.0%
GTE Federal Credit Union $6,650,000 $5,600,000 -15.8% 0.0%
NORTHMARQ CAPITAL FINANCE, L.L.C. $82,920,000 $5,470,000 -93.4% 0.0%
FOUNDATION MORTGAGE CORPORATION $5,455,000 n/a 0.0%
Franklin Loan Corporation $23,320,000 $5,430,000 -76.7% 0.0%
COMMUNITY MORTGAGE FUNDING, LLC $205,000 $5,365,000 2,517.1% 0.0%
FJM PRIVATE MORTGAGE FUND, LLC $40,655,000 $5,235,000 -87.1% 0.0%
CORNERSTONE HOME LENDING, INC. $20,545,000 $5,200,000 -74.7% 0.0%
SUMMIT MORTGAGE BANKERS INC. $19,745,000 $5,130,000 -74.0% 0.0%
Strong Home Mortgage, LLC $24,170,000 $5,120,000 -78.8% 0.0%
EQUITY WAVE LENDING, INC. $2,385,000 $5,065,000 112.4% 0.0%
AMERICAN HERITAGE LENDING, INC. $1,885,000 $5,035,000 167.1% 0.0%
MICHIGAN MUTUAL, INC. $8,420,000 $4,970,000 -41.0% 0.0%
First Savings Bank $24,040,000 $4,905,000 -79.6% 0.0%
HOMESIDE FINANCIAL, LLC $14,195,000 $4,720,000 -66.7% 0.0%
CBC Federal Credit Union $205,000 $4,680,000 2,182.9% 0.0%
UNIVERSITY CREDIT UNION $23,870,000 $4,680,000 -80.4% 0.0%
Chicago Mortgage Solutions LLC $63,765,000 $4,605,000 -92.8% 0.0%
CHERRY CREEK MORTGAGE, LLC $71,665,000 $4,565,000 -93.6% 0.0%
Toyota Financial Savings Bank $18,265,000 $4,515,000 -75.3% 0.0%
TOP FLITE FINANCIAL, INC. $3,130,000 $4,465,000 42.7% 0.0%
1ST NORTHERN CALIFORNIA $19,370,000 $4,455,000 -77.0% 0.0%
GUARANTY HOME MORTGAGE CORPORATION $9,165,000 $4,440,000 -51.6% 0.0%
Luxury Mortgage Corp. $22,950,000 $4,430,000 -80.7% 0.0%
PANORAMA MORTGAGE GROUP, LLC $810,000 $4,300,000 430.9% 0.0%
Preferred Bank $14,145,000 $4,295,000 -69.6% 0.0%
First Federal Bank $770,000 $4,260,000 453.2% 0.0%
Union Savings Bank $755,000 $4,250,000 462.9% 0.0%
SACRAMENTO Credit Union $2,650,000 $4,225,000 59.4% 0.0%
Sterling Bank and Trust, FSB $46,290,000 $4,180,000 -91.0% 0.0%
LAKEVIEW LOAN SERVICING, LLC $42,115,000 $4,125,000 -90.2% 0.0%
NuVision Federal Credit Union $5,520,000 $4,070,000 -26.3% 0.0%
Farmers Bank & Trust $3,310,000 $4,040,000 22.1% 0.0%
BNC National Bank $14,815,000 $4,010,000 -72.9% 0.0%
Bank-Fund Staff Federal Credit Union $9,785,000 $3,975,000 -59.4% 0.0%
T. J. FINANCIAL, INC. $17,385,000 $3,895,000 -77.6% 0.0%
VILLAGE CAPITAL MORTGAGE $4,440,000 $3,845,000 -13.4% 0.0%
PREMIA MORTGAGE, LLC $3,940,000 $3,805,000 -3.4% 0.0%
Operating Engineers Local Union #3 $18,310,000 $3,605,000 -80.3% 0.0%
SNAPFI, INC. $9,390,000 $3,585,000 -61.8% 0.0%
SILVER HILL FUNDING, LLC $12,465,000 $3,545,000 -71.6% 0.0%
First National Bank of America $3,890,000 $3,495,000 -10.2% 0.0%
SEA WEST COAST GUARD FEDERAL CREDIT UNION $17,945,000 $3,480,000 -80.6% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $28,070,000 $3,460,000 -87.7% 0.0%
North Coast Financial, Inc. $3,430,000 n/a 0.0%
HOMEAMERICAN MORTGAGE CORPORATION $13,460,000 $3,420,000 -74.6% 0.0%
Baxter Credit Union $9,905,000 $3,410,000 -65.6% 0.0%
American Airlines Federal Credit Union $7,505,000 $3,390,000 -54.8% 0.0%
OAKTREE FUNDING CORP. $18,970,000 $3,380,000 -82.2% 0.0%
GENEVA FINANCIAL, LLC $10,290,000 $3,375,000 -67.2% 0.0%
Bank of Stockton $635,000 $3,360,000 429.1% 0.0%
LOGIX FEDERAL CREDIT UNION $27,415,000 $3,360,000 -87.7% 0.0%
LANTZMAN MANAGEMENT, INC. $4,610,000 $3,310,000 -28.2% 0.0%
TEACHERS $3,260,000 n/a 0.0%
FBC MORTGAGE, LLC $12,945,000 $3,225,000 -75.1% 0.0%
PCMA, INC. $3,150,000 n/a 0.0%
Financial Partners Credit Union $37,555,000 $3,100,000 -91.7% 0.0%
Connexus Credit Union $3,090,000 n/a 0.0%
The Central Trust Bank $3,640,000 $3,070,000 -15.7% 0.0%
INTELLILOAN, INC. $10,140,000 $3,040,000 -70.0% 0.0%
AMERICAN FIRST $18,405,000 $2,995,000 -83.7% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $15,740,000 $2,905,000 -81.5% 0.0%
Community West Bank $745,000 $2,900,000 289.3% 0.0%
ITHINK FINANCIAL Credit Union $105,000 $2,880,000 2,642.9% 0.0%
SANTA CLARA COUNTY $6,025,000 $2,880,000 -52.2% 0.0%
CALTECH EMPLOYEES FEDERAL CREDIT UNION $3,885,000 $2,855,000 -26.5% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $5,450,000 $2,835,000 -48.0% 0.0%
FAY SERVICING, LLC $5,515,000 $2,790,000 -49.4% 0.0%
North American Savings Bank, F.S.B. $17,515,000 $2,765,000 -84.2% 0.0%
Residential First Mortgage $2,725,000 n/a 0.0%
UNIFY FINANCIAL Credit Union $21,670,000 $2,685,000 -87.6% 0.0%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $18,965,000 $2,680,000 -85.9% 0.0%
Banner Bank $8,585,000 $2,640,000 -69.2% 0.0%
Beverly Bank & Trust $2,590,000 n/a 0.0%
AUGUSTA FINANCIAL, INC. $4,225,000 $2,555,000 -39.5% 0.0%
Redwood Mortgage Corp. $2,550,000 n/a 0.0%
Keystone Funding, Inc. $2,545,000 n/a 0.0%
Flatirons Bank $2,505,000 n/a 0.0%
First Foundation Bank $147,035,000 $2,470,000 -98.3% 0.0%
CHURCHILL MORTGAGE CORPORATION $10,015,000 $2,465,000 -75.4% 0.0%
DOMINION FINANCIAL SERVICES, LLC $505,000 $2,440,000 383.2% 0.0%
CANOPY MORTGAGE, LLC $7,545,000 $2,435,000 -67.7% 0.0%
DIRECTORS MORTGAGE, INC. $3,490,000 $2,405,000 -31.1% 0.0%
ENCORE BANK $2,380,000 n/a 0.0%
INSPIRE HOME LOANS INC. $39,010,000 $2,380,000 -93.9% 0.0%
GuardHill Financial Corp. $2,370,000 $2,335,000 -1.5% 0.0%
Kaiperm Diablo Federal Credit Union $6,595,000 $2,295,000 -65.2% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $4,060,000 $2,295,000 -43.5% 0.0%
First Hawaiian Bank $2,275,000 n/a 0.0%
BRIDGELOCK CAPITAL $1,620,000 $2,245,000 38.6% 0.0%
TJC Mortgage, Inc. $10,410,000 $2,225,000 -78.6% 0.0%
City National Bank of Florida $3,285,000 $2,190,000 -33.3% 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $855,000 $2,170,000 153.8% 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $8,645,000 $2,155,000 -75.1% 0.0%
BAY $2,745,000 $2,135,000 -22.2% 0.0%
LOANPAL, LLC $17,455,000 $2,120,000 -87.9% 0.0%
ORANGE COUNTY'S CREDIT UNION $2,085,000 n/a 0.0%
AHL FUNDING $11,370,000 $2,070,000 -81.8% 0.0%
CLEARPATH LENDING $7,240,000 $2,055,000 -71.6% 0.0%
DIGNIFIED HOME LOANS, LLC $1,020,000 $2,045,000 100.5% 0.0%
NJ LENDERS CORP. $2,020,000 n/a 0.0%
MORIA DEVELOPMENT, INC. $7,655,000 $1,990,000 -74.0% 0.0%
ALTURA $1,960,000 n/a 0.0%
M&T Bank $14,485,000 $1,940,000 -86.6% 0.0%
Nations Lending Corporation $32,315,000 $1,935,000 -94.0% 0.0%
INTERNATIONAL CITY MORTGAGE, INC. $1,915,000 n/a 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $9,415,000 $1,905,000 -79.8% 0.0%
Paramount Bank $1,200,000 $1,900,000 58.3% 0.0%
State Department Federal Credit Union $1,850,000 $1,880,000 1.6% 0.0%
BEST FINANCE CAPITAL, INC. $2,035,000 $1,840,000 -9.6% 0.0%
Pacific Premier Bank $49,540,000 $1,825,000 -96.3% 0.0%
ALL REVERSE MORTGAGE, INC. $10,670,000 $1,810,000 -83.0% 0.0%
MEMBER FIRST MORTGAGE, LLC $5,400,000 $1,800,000 -66.7% 0.0%
QUORUM FEDERAL CREDIT UNION $49,935,000 $1,795,000 -96.4% 0.0%
Royal Business Bank $1,255,000 $1,780,000 41.8% 0.0%
FIRST ENTERTAINMENT $2,205,000 $1,770,000 -19.7% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $1,380,000 $1,755,000 27.2% 0.0%
Quontic Bank $26,505,000 $1,745,000 -93.4% 0.0%
WINGS FINANCIAL $4,215,000 $1,685,000 -60.0% 0.0%
MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION $1,650,000 n/a 0.0%
VERITAS FUNDING, LLC $8,410,000 $1,645,000 -80.4% 0.0%
SCENIC OAKS FUNDING, INC. $3,505,000 $1,625,000 -53.6% 0.0%
V.I.P. MORTGAGE, INC. $4,005,000 $1,620,000 -59.6% 0.0%
AMERICAN FINANCE HOUSE LARIBA $1,605,000 n/a 0.0%
PLUS RELOCATION MORTGAGE, LLC $4,810,000 $1,580,000 -67.2% 0.0%
Pivotal Capital Group II, LLC $28,360,000 $1,575,000 -94.4% 0.0%
Merchants Capital Corp. $1,555,000 n/a 0.0%
WESCOM CENTRAL CREDIT UNION $4,400,000 $1,545,000 -64.9% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $920,000 $1,540,000 67.4% 0.0%
Town Bank, N.A. $1,540,000 n/a 0.0%
HANSCOM $1,595,000 $1,520,000 -4.7% 0.0%
Waterstone Mortgage Corporation $815,000 $1,520,000 86.5% 0.0%
Educational Employees Credit Union $925,000 $1,515,000 63.8% 0.0%
NEW DAY FINANCIAL, LLC $7,070,000 $1,515,000 -78.6% 0.0%
CIBC Bank USA $71,015,000 $1,510,000 -97.9% 0.0%
First Horizon Bank $2,795,000 $1,505,000 -46.2% 0.0%
The Huntington National Bank $16,055,000 $1,505,000 -90.6% 0.0%
SKYONE Federal Credit Union $310,000 $1,415,000 356.5% 0.0%
Loan Simple, Inc. $545,000 $1,410,000 158.7% 0.0%
FineMark National Bank & Trust $1,405,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $4,380,000 $1,400,000 -68.0% 0.0%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $10,620,000 $1,390,000 -86.9% 0.0%
JAYCO PREMIUM FINANCE OF CALIFORNIA, INC. $1,375,000 n/a 0.0%
FIRST CENTENNIAL MORTGAGE CORPORATION $8,390,000 $1,365,000 -83.7% 0.0%
GREENSTATE CREDIT UNION $1,365,000 n/a 0.0%
Commercial Loan Corporation $205,000 $1,340,000 553.7% 0.0%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $4,470,000 $1,335,000 -70.1% 0.0%
AFFINITY $1,975,000 $1,300,000 -34.2% 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $2,790,000 $1,300,000 -53.4% 0.0%
FIRST U.S. COMMUNITY CREDIT UNION $745,000 $1,290,000 73.2% 0.0%
Neighborhood Loans, Inc. $1,285,000 n/a 0.0%
Magnolia Bank $2,255,000 $1,260,000 -44.1% 0.0%
AMERICAN FINANCING CORPORATION $8,860,000 $1,250,000 -85.9% 0.0%
FISHER FINANCIAL GROUP, INCORPORATED $1,250,000 n/a 0.0%
Self-Help Federal Credit Union $2,635,000 $1,250,000 -52.6% 0.0%
Constant Investments, Inc. $2,060,000 $1,200,000 -41.7% 0.0%
BM Real Estate Services, Inc. $8,205,000 $1,185,000 -85.6% 0.0%
HOME APPROVALS DIRECT, INC. $1,130,000 n/a 0.0%
MOUNTAIN WEST FINANCIAL, INC. $9,230,000 $1,130,000 -87.8% 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $1,130,000 n/a 0.0%
RF Renovo Management Company, LLC $1,430,000 $1,125,000 -21.3% 0.0%
EXCITE Credit Union $23,900,000 $1,110,000 -95.4% 0.0%
LOANLEADERS OF AMERICA, INC. $2,735,000 $1,110,000 -59.4% 0.0%
FIRST NATIONS HOME FINANCE CORPORATION $1,085,000 n/a 0.0%
First Western Trust Bank $1,055,000 $1,075,000 1.9% 0.0%
WALL FINANCIAL, INC. $2,465,000 $1,070,000 -56.6% 0.0%
Armed Forces Bank $2,660,000 $1,065,000 -60.0% 0.0%
GSF Mortgage Corporation $1,850,000 $1,060,000 -42.7% 0.0%
DIRECT MORTGAGE, CORP. $3,030,000 $1,030,000 -66.0% 0.0%
Mortgage Assurance Inc. $1,025,000 n/a 0.0%
Carrollton Bank $1,005,000 n/a 0.0%
Commerce Bank $445,000 $1,005,000 125.8% 0.0%
CIS Financial Services, Inc. $490,000 $970,000 98.0% 0.0%
LENDING 3, INC. $2,425,000 $965,000 -60.2% 0.0%
MORTGAGEONE, INC. $955,000 n/a 0.0%
TRISTAR FINANCE, INC. $3,840,000 $955,000 -75.1% 0.0%
TOWER $1,625,000 $950,000 -41.5% 0.0%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $935,000 n/a 0.0%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $4,855,000 $930,000 -80.8% 0.0%
Ixonia Bank $925,000 n/a 0.0%
PARTNERS $2,725,000 $920,000 -66.2% 0.0%
CALLISTO GROUP, INC. $895,000 $905,000 1.1% 0.0%
Open Bank $945,000 $905,000 -4.2% 0.0%
University Bank $890,000 n/a 0.0%
Allstar Financial Services, Inc $875,000 n/a 0.0%
PINNACLE LENDING GROUP, INC. $360,000 $875,000 143.1% 0.0%
TRUWEST Credit Union $875,000 n/a 0.0%
Nizari Progressive Federal Credit Union $855,000 n/a 0.0%
SESLOC $845,000 n/a 0.0%
POINT Mortgage $840,000 n/a 0.0%
CASTLE & COOKE MORTGAGE, LLC $1,870,000 $835,000 -55.3% 0.0%
IVY MORTGAGE, INC. $835,000 n/a 0.0%
DIRECTIONS EQUITY, LLC $805,000 n/a 0.0%
First Internet Bank of Indiana $6,665,000 $805,000 -87.9% 0.0%
LENDINGONE, LLC $735,000 $785,000 6.8% 0.0%
BOKF $555,000 $765,000 37.8% 0.0%
Water and Power Community Credit Union $155,000 $765,000 393.5% 0.0%
DATA MORTGAGE, INC. $2,340,000 $760,000 -67.5% 0.0%
Abbott Laboratories Employees Credit Union $3,265,000 $755,000 -76.9% 0.0%
Academy Bank $755,000 n/a 0.0%
Peoples Bank $980,000 $745,000 -24.0% 0.0%
Assurance Financial Group, L.L.C. $725,000 n/a 0.0%
COMMUNITY FIRST CREDIT UNION $2,430,000 $725,000 -70.2% 0.0%
First State Bank of St. Charles, Missouri $685,000 $725,000 5.8% 0.0%
Northbrook Bank & Trust $725,000 n/a 0.0%
NORTHROP GRUMMAN Federal Credit Union $550,000 $725,000 31.8% 0.0%
RANLIFE, INC. $1,580,000 $725,000 -54.1% 0.0%
United Fidelity Funding Corp. $3,115,000 $725,000 -76.7% 0.0%
US MORTGAGE CORPORATION $725,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $645,000 $715,000 10.9% 0.0%
SAMMAMISH MORTGAGE COMPANY $715,000 n/a 0.0%
First American Bank $710,000 n/a 0.0%
KELLER MORTGAGE, LLC $9,305,000 $705,000 -92.4% 0.0%
United States Senate Federal Credit Union $580,000 $700,000 20.7% 0.0%
Amalgamated Bank $13,920,000 $695,000 -95.0% 0.0%
MORTGAGE CAPITAL PARTNERS, INC. $1,605,000 $695,000 -56.7% 0.0%
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION $1,230,000 $695,000 -43.5% 0.0%
Great Southern Bank $2,005,000 $685,000 -65.8% 0.0%
Servion, Inc. $1,300,000 $665,000 -48.8% 0.0%
BNB FINANCIAL INC. $895,000 $645,000 -27.9% 0.0%
Leader Bank $4,505,000 $645,000 -85.7% 0.0%
NBH Bank $645,000 n/a 0.0%
I.L.W.U. CREDIT UNION $2,160,000 $620,000 -71.3% 0.0%
Arvest Bank $9,870,000 $610,000 -93.8% 0.0%
ABSOLUTE HOME MORTGAGE CORPORATION $1,495,000 $605,000 -59.5% 0.0%
Actors Federal Credit Union $605,000 n/a 0.0%
FIRST COMMUNITY MORTGAGE, INC. $1,090,000 $605,000 -44.5% 0.0%
ISERVE RESIDENTIAL LENDING, LLC $915,000 $600,000 -34.4% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $12,255,000 $585,000 -95.2% 0.0%
Princeton Mortgage Corporation $525,000 $575,000 9.5% 0.0%
Service Federal Credit Union $1,920,000 $570,000 -70.3% 0.0%
FRONTWAVE $2,075,000 $535,000 -74.2% 0.0%
Lakeview Community Capital, LLC $20,225,000 $530,000 -97.4% 0.0%
EMM LOANS LLC $1,630,000 $515,000 -68.4% 0.0%
MYPOINT Credit Union $515,000 n/a 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $10,665,000 $485,000 -95.5% 0.0%
Woori America Bank $1,840,000 $485,000 -73.6% 0.0%
STARBOARD FINANCIAL MANAGEMENT, LLC $475,000 n/a 0.0%
Wilmington Savings Fund Society, FSB $475,000 n/a 0.0%
PROPONENT Federal Credit Union $395,000 $465,000 17.7% 0.0%
First Option Mortgage, LLC $455,000 n/a 0.0%
Metro City Bank $1,825,000 $455,000 -75.1% 0.0%
INOVA FEDERAL CREDIT UNION $855,000 $440,000 -48.5% 0.0%
KD CAPITAL MORTGAGE CORPORATION $435,000 $435,000 0.0% 0.0%
Beeline Loans, Inc. $305,000 $425,000 39.3% 0.0%
East Coast Capital Corp. $575,000 $425,000 -26.1% 0.0%
THRIVE MORTGAGE, LLC $485,000 $405,000 -16.5% 0.0%
First City Credit Union $395,000 n/a 0.0%
Los Angeles Federal Credit Union $385,000 n/a 0.0%
JUSTICE Federal Credit Union $400,000 $380,000 -5.0% 0.0%
ROYAL UNITED MORTGAGE LLC $2,520,000 $380,000 -84.9% 0.0%
SUPERIOR CHOICE $380,000 n/a 0.0%
TOWNE MORTGAGE COMPANY $13,990,000 $375,000 -97.3% 0.0%
CAMPOS FINANCIAL CORP. $1,330,000 $355,000 -73.3% 0.0%
Bank of England $2,470,000 $345,000 -86.0% 0.0%
Specialized Loan Servicing LLC $345,000 n/a 0.0%
USE Credit Union $6,545,000 $345,000 -94.7% 0.0%
MID-VALLEY SERVICES, INC. $335,000 n/a 0.0%
CANVAS CREDIT UNION $3,975,000 $310,000 -92.2% 0.0%
Credit Union 1 $305,000 n/a 0.0%
LAFAYETTE FEDERAL CREDIT UNION $300,000 n/a 0.0%
San Joaquin Power Employees Credit Union $285,000 n/a 0.0%
JMJ FINANCIAL GROUP $9,235,000 $275,000 -97.0% 0.0%
Signature Federal Credit Union $440,000 $260,000 -40.9% 0.0%
Bankers Trust Company $125,000 $255,000 104.0% 0.0%
MASSMUTUAL $255,000 n/a 0.0%
Mortgage Vintage, Inc. $255,000 n/a 0.0%
Willamette Valley Bank $1,400,000 $255,000 -81.8% 0.0%
ROGUE $215,000 n/a 0.0%
Advisors Mortgage Group, L.L.C. $2,975,000 $205,000 -93.1% 0.0%
V.I.P. TRUST DEED COMPANY $205,000 n/a 0.0%
Encompass Lending Group, LP $195,000 n/a 0.0%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $185,000 n/a 0.0%
EASTMAN $165,000 n/a 0.0%
Clearview Federal Credit Union $355,000 $155,000 -56.3% 0.0%
GREAT LAKES $7,310,000 $155,000 -97.9% 0.0%
PREMIER AMERICA $10,855,000 $155,000 -98.6% 0.0%
Northwest Federal Credit Union $1,310,000 $140,000 -89.3% 0.0%
CommonWealth Central Credit Union $280,000 $135,000 -51.8% 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $4,460,000 $135,000 -97.0% 0.0%
ALL IN $55,000 $125,000 127.3% 0.0%
MISSION $125,000 n/a 0.0%
RMS & Associates $325,000 $125,000 -61.5% 0.0%
SCE FEDERAL CREDIT UNION $125,000 n/a 0.0%
HONDA Federal Credit Union $430,000 $105,000 -75.6% 0.0%
CORPORATE AMERICA FAMILY $90,000 n/a 0.0%
EVERENCE FEDERAL CREDIT UNION $75,000 n/a 0.0%
CENTRAL COAST LENDING, INC. $185,000 $65,000 -64.9% 0.0%
UNITED $405,000 $65,000 -84.0% 0.0%
DELTA COMMUNITY CREDIT UNION $55,000 n/a 0.0%
LUFTHANSA EMP. $55,000 n/a 0.0%
NASA Federal Credit Union $55,000 n/a 0.0%
Southwest Airlines Federal Credit Union $55,000 n/a 0.0%
VENTURA COUNTY $225,000 $55,000 -75.6% 0.0%
FEDEX EMPLOYEES CREDIT ASSOCIATION $1,075,000 $50,000 -95.3% 0.0%
Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%

San Francisco - Oakland - Berkeley's top lender by overall market share is Wells Fargo Bank, with 8.7% market share. In second place, with 5.9%, is Bank of America, having originated $2,023,070,000 in loans. In third place, with 5.8%, is JPMorgan Chase Bank, having originated $2,005,280,000 in loans. In fourth place, with 5.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $1,859,620,000 in loans. In fifth place, with 5.2%, is Citibank, having originated $1,785,315,000 in loans.


San Francisco - Oakland - Berkeley Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - San Francisco - Oakland - Berkeley (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $843,944 (6.9%) $1,503,769 (14.4%) 3.13 2,292
2018-02-01 $898,944 (6.3%) $1,548,177 (12.1%) 3.26 2,714
2018-03-01 $949,499 (6.2%) $1,583,415 (10.9%) 3.33 3,120
2018-04-01 $987,500 (9.8%) $1,611,232 (8.1%) 3.35 3,617
2018-05-01 $996,500 (10.7%) $1,618,157 (8.4%) 3.33 4,067
2018-06-01 $988,000 (9.5%) $1,576,500 (6.0%) 3.29 4,489
2018-07-01 $929,000 (6.2%) $1,483,373 (3.9%) 3.10 4,799
2018-08-01 $890,000 (4.8%) $1,385,964 (-0.6%) 2.98 4,914
2018-09-01 $899,000 (2.8%) $1,402,963 (-4.4%) 3.02 5,954
2018-10-01 $899,000 (0.0%) $1,411,172 (-8.1%) 3.04 6,152
2018-11-01 $890,000 (-1.0%) $1,429,547 (-8.0%) 3.02 5,841
2018-12-01 $849,950 (-3.3%) $1,339,856 (-16.4%) 2.93 4,173
2019-01-01 $831,417 (-1.5%) $1,301,294 (-13.5%) 2.87 3,563
2019-02-01 $887,000 (-1.3%) $1,416,770 (-8.5%) 3.00 4,084
2019-03-01 $916,429 (-3.5%) $1,481,212 (-6.5%) 3.00 4,499
2019-04-01 $947,000 (-4.1%) $1,548,778 (-3.9%) 3.01 4,891
2019-05-01 $968,500 (-2.8%) $1,495,371 (-7.6%) 3.03 5,464
2019-06-01 $959,975 (-2.8%) $1,484,222 (-5.9%) 3.00 5,923
2019-07-01 $927,000 (-0.2%) $1,530,652 (3.2%) 2.90 5,827
2019-08-01 $919,182 (3.3%) $1,549,914 (11.8%) 2.91 5,897
2019-09-01 $935,955 (4.1%) $1,537,212 (9.6%) 3.00 6,009
2019-10-01 $949,500 (5.6%) $1,534,928 (8.8%) 3.06 6,068
2019-11-01 $949,000 (6.6%) $1,610,397 (12.7%) 3.11 4,956
2019-12-01 $899,000 (5.8%) $1,687,094 (25.9%) 3.00 2,987
2020-01-01 $893,500 (7.5%) $1,700,818 (30.7%) 2.99 2,560
2020-02-01 $997,500 (12.5%) $1,747,524 (23.4%) 3.27 3,087
2020-03-01 $998,944 (9.0%) $1,709,823 (15.4%) 3.13 3,525
2020-04-01 $959,233 (1.3%) $1,535,131 (-0.9%) 3.00 3,417
2020-05-01 $999,894 (3.2%) $1,611,448 (7.8%) 3.04 4,580
2020-06-01 $1,078,750 (12.4%) $1,662,466 (12.0%) 3.18 4,950
2020-07-01 $1,091,500 (17.8%) $1,680,032 (9.8%) 3.16 5,059
2020-08-01 $1,050,000 (14.2%) $1,673,766 (8.0%) 3.01 5,202
2020-09-01 $1,052,500 (12.5%) $1,676,954 (9.1%) 3.02 5,401
2020-10-01 $1,070,833 (12.8%) $1,673,980 (9.1%) 3.07 5,806
2020-11-01 $1,049,450 (10.6%) $1,663,582 (3.3%) 3.07 5,168
2020-12-01 $998,462 (11.1%) $1,711,270 (1.4%) 2.97 3,713
2021-01-01 $989,000 (10.7%) $1,749,265 (2.9%) 2.95 3,034
2021-02-01 $999,500 (0.2%) $1,774,344 (1.5%) 2.91 3,230
2021-03-01 $1,014,498 (1.6%) $1,858,547 (8.7%) 2.88 3,372
2021-04-01 $1,049,500 (9.4%) $1,866,299 (21.6%) 2.84 3,458
2021-05-01 $1,079,975 (8.0%) $1,871,839 (16.2%) 2.87 3,497
2021-06-01 $1,067,000 (-1.1%) $1,795,178 (8.0%) 2.81 3,898
2021-07-01 $999,000 (-8.5%) $1,684,450 (0.3%) 2.64 4,242
2021-08-01 $995,000 (-5.2%) $1,641,359 (-1.9%) 2.65 4,264
2021-09-01 $993,950 (-5.6%) $1,695,801 (1.1%) 2.65 4,600
2021-10-01 $997,000 (-6.9%) $1,757,206 (5.0%) 2.66 4,566
2021-11-01 $984,225 (-6.2%) $1,870,181 (12.4%) 2.63 3,545
2021-12-01 $952,450 (-4.6%) $1,845,434 (7.8%) 2.58 2,327
2022-01-01 $949,000 (-4.0%) $1,752,366 (0.2%) 2.57 2,030
2022-02-01 $992,000 (-0.8%) $1,755,628 (-1.1%) 2.58 2,479
2022-03-01 $1,047,000 (3.2%) $1,732,512 (-6.8%) 2.62 3,007
2022-04-01 $1,098,000 (4.6%) $1,753,815 (-6.0%) 2.62 3,394
2022-05-01 $1,124,000 (4.1%) $1,732,777 (-7.4%) 2.57 4,615
2022-06-01 $1,146,250 (7.4%) $1,718,715 (-4.3%) 2.55 5,679
2022-07-01 $1,098,000 (9.9%) $1,625,819 (-3.5%) 2.47 6,244
2022-08-01 $1,043,073 (4.8%) $1,568,223 (-4.5%) 2.41 5,968
2022-09-01 $1,089,500 (9.6%) $1,647,727 (-2.8%) 2.55 5,921
2022-10-01 $1,090,000 (9.3%) $1,692,678 (-3.7%) 2.56 6,026
2022-11-01 $1,037,000 (5.4%) $1,691,530 (-9.6%) 2.49 5,367
2022-12-01 $993,210 (4.3%) $1,665,724 (-9.7%) 2.45 3,655
2023-01-01 $978,500 (3.1%) $1,644,202 (-6.2%) 2.42 2,987
2023-02-01 $1,002,500 (1.1%) $1,758,715 (0.2%) 2.42 3,089
2023-03-01 $1,081,250 (3.3%) $1,802,971 (4.1%) 2.55 3,163
2023-04-01 $1,150,000 (4.7%) $1,887,916 (7.7%) 2.67 3,341
2023-05-01 $1,179,000 (4.9%) $1,940,457 (12.0%) 2.67 3,691
2023-06-01 $1,150,000 (0.3%) $1,939,483 (12.8%) 2.58 3,977
2023-07-01 $1,100,000 (0.2%) $1,837,754 (13.0%) 2.50 4,036
2023-08-01 $1,049,444 (0.6%) $1,729,983 (10.3%) 2.41 4,093
2023-09-01 $1,095,000 (0.5%) $1,758,073 (6.7%) 2.55 4,813
2023-10-01 $1,098,000 (0.7%) $1,768,808 (4.5%) 2.58 5,053
2023-11-01 $1,067,000 (2.9%) $1,755,081 (3.8%) 2.54 4,671
2023-12-01 $998,000 (0.5%) $1,710,145 (2.7%) 2.43 3,094
2024-01-01 $944,475 (-3.5%) $1,624,731 (-1.2%) 2.31 2,702
2024-02-01 $989,444 (-1.3%) $1,692,960 (-3.7%) 2.38 3,028
2024-03-01 $999,000 (-7.6%) $1,756,535 (-2.6%) 2.35 3,587
San Francisco - Oakland - Berkeley's median listing price for 2024-03-01 was $999,000, a difference of $-82,250 (-7.6%) versus the prior year and $9,556 versus the prior month.

San Francisco - Oakland - Berkeley's median listing price comes in at 235% of the national average.

San Francisco - Oakland - Berkeley's average listing price for 2024-03-01 was $1,756,535, a difference of $-46,436 (-2.6%) versus the prior year and $63,575 versus the prior month.

For the 2024-03-01 period, San Francisco - Oakland - Berkeley had 3,587 MLS listings, a difference of 559 listings (18%) versus the prior month and 424 listings (13%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - San Francisco - Oakland - Berkeley (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 30 days 1,719 sqft
2018-02-01 19 days 1,746 sqft
2018-03-01 20 days 1,766 sqft
2018-04-01 22 days 1,800 sqft
2018-05-01 21 days 1,814 sqft
2018-06-01 24 days 1,788 sqft
2018-07-01 29 days 1,746 sqft
2018-08-01 29 days 1,716 sqft
2018-09-01 26 days 1,698 sqft
2018-10-01 31 days 1,696 sqft
2018-11-01 37 days 1,667 sqft
2018-12-01 50 days 1,621 sqft
2019-01-01 48 days 1,606 sqft
2019-02-01 26 days 1,644 sqft
2019-03-01 28 days 1,711 sqft
2019-04-01 26 days 1,779 sqft
2019-05-01 26 days 1,822 sqft
2019-06-01 31 days 1,796 sqft
2019-07-01 36 days 1,763 sqft
2019-08-01 36 days 1,747 sqft
2019-09-01 35 days 1,724 sqft
2019-10-01 36 days 1,706 sqft
2019-11-01 49 days 1,698 sqft
2019-12-01 66 days 1,708 sqft
2020-01-01 53 days 1,684 sqft
2020-02-01 23 days 1,723 sqft
2020-03-01 24 days 1,754 sqft
2020-04-01 38 days 1,756 sqft
2020-05-01 31 days 1,760 sqft
2020-06-01 31 days 1,714 sqft
2020-07-01 33 days 1,638 sqft
2020-08-01 36 days 1,589 sqft
2020-09-01 36 days 1,549 sqft
2020-10-01 34 days 1,541 sqft
2020-11-01 45 days 1,518 sqft
2020-12-01 56 days 1,489 sqft
2021-01-01 49 days 1,464 sqft
2021-02-01 27 days 1,482 sqft
2021-03-01 29 days 1,525 sqft
2021-04-01 29 days 1,551 sqft
2021-05-01 27 days 1,576 sqft
2021-06-01 27 days 1,559 sqft
2021-07-01 26 days 1,549 sqft
2021-08-01 29 days 1,546 sqft
2021-09-01 28 days 1,536 sqft
2021-10-01 30 days 1,516 sqft
2021-11-01 39 days 1,500 sqft
2021-12-01 47 days 1,454 sqft
2022-01-01 37 days 1,419 sqft
2022-02-01 18 days 1,452 sqft
2022-03-01 22 days 1,507 sqft
2022-04-01 23 days 1,538 sqft
2022-05-01 22 days 1,573 sqft
2022-06-01 24 days 1,600 sqft
2022-07-01 30 days 1,585 sqft
2022-08-01 36 days 1,571 sqft
2022-09-01 38 days 1,593 sqft
2022-10-01 37 days 1,607 sqft
2022-11-01 46 days 1,593 sqft
2022-12-01 61 days 1,560 sqft
2023-01-01 62 days 1,552 sqft
2023-02-01 33 days 1,557 sqft
2023-03-01 34 days 1,573 sqft
2023-04-01 31 days 1,625 sqft
2023-05-01 31 days 1,637 sqft
2023-06-01 32 days 1,631 sqft
2023-07-01 34 days 1,619 sqft
2023-08-01 33 days 1,593 sqft
2023-09-01 29 days 1,588 sqft
2023-10-01 35 days 1,576 sqft
2023-11-01 42 days 1,563 sqft
2023-12-01 58 days 1,524 sqft
2024-01-01 49 days 1,470 sqft
2024-02-01 29 days 1,459 sqft
2024-03-01 27 days 1,492 sqft
San Francisco - Oakland - Berkeley's median listing age (time on market) for 2024-03-01 was 27 days. This is -19% shorter than the same period one year ago.

San Francisco - Oakland - Berkeley's median square footage for active listings during the 2024-03-01 period was 1,492 sqft. One year prior, the average listing was 1,573 sqft.

San Francisco-Oakland-Berkeley, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 27,505 $24,918,845,000 $905,975
Home Improvement 5,680 $1,281,760,000 $225,662
Cash Out Refi 4,676 $2,320,820,000 $496,326
Refi 4,582 $4,092,090,000 $893,079
Other 4,428 $1,681,990,000 $379,853
NA 5 $2,995,000 $599,000

San Francisco - Oakland - Berkeley's most frequently cited loan purpose was Home Purchase, with 27,505 originations. The 2nd most popular reason was Home Improvement, with 5,680 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 15,783 $11,876,335,000 $752,476
5-6% 9,549 $10,431,595,000 $1,092,428
7-8% 9,163 $5,495,795,000 $599,781
Over 8% 9,150 $3,168,880,000 $346,326
4-5% 1,900 $2,435,370,000 $1,281,774
<2.5% 512 $79,130,000 $154,551
3-4% 237 $247,465,000 $1,044,156
2.5-3% 36 $18,370,000 $510,278

During 2023, San Francisco - Oakland - Berkeley's most frequently originated rate bucket was 6-7%, with 15,783 originations.

Loan Sizing (San Francisco-Oakland-Berkeley, CA MSA)

Loan Size Originations Total Value Average Loan
$600k-1000k 11,849 $9,136,435,000 $771,072
$Over $1MM 10,175 $17,903,495,000 $1,759,557
$400k-600k 8,310 $4,138,200,000 $497,978
$200k-400k 7,720 $2,212,500,000 $286,593
$100k-200k 4,992 $684,250,000 $137,069
$100,000 or less 3,830 $223,620,000 $58,386

San Francisco - Oakland - Berkeley's loan sizing saw the bucket of loans from $600k-1000k with 11,849 originations, totaling $9,136,435,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 12,423 $13,379,145,000 $1,076,966
Under 20% 11,080 $1,888,810,000 $170,470
80-100% 10,872 $9,535,400,000 $877,060
20-40% 5,870 $2,815,560,000 $479,652
40-60% 5,824 $5,876,240,000 $1,008,970
Over 100% 124 $189,340,000 $1,526,935

San Francisco - Oakland - Berkeley's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 12,423 originations, totaling $13,379,145,000 in origination value.