SAN FRANCISCO - SAN MATEO - REDWOOD CITY Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in San Francisco - San Mateo - Redwood City averaged
6.62%
for the week of 2025-07-10, compared to the national average of
6.72% for the same period.
The average rate for the prior week (2025-07-03) was
6.67% and
one month ago for the week of 2025-06-05, the
average rate was 7.15%.
San Francisco - San Mateo - Redwood City's average rate one year ago was 7.05%.
For refis of the same type during the week of 2025-07-10, the average rate
was 7.02%.
Loan Type |
Date |
Rate |
US 30 Year Fixed Rate |
2025-07-10 |
6.72% |
San Francisco - San Mateo - Redwood City 30 Year Fixed Rate |
2025-07-10 |
6.62% |
San Francisco - San Mateo - Redwood City 30 Year Fixed Rate Refi |
2025-07-10 |
7.02% |
San Francisco - San Mateo - Redwood City 15 Year Fixed Rate |
2025-07-10 |
5.66% |
San Francisco - San Mateo - Redwood City 15 Year Fixed Rate Refi |
2025-07-10 |
6.26% |
San Francisco - San Mateo - Redwood City 30 Year FHA |
2025-07-10 |
6.42% |
San Francisco - San Mateo - Redwood City 30 Year FHA Refi |
2025-07-10 |
6.72% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA.
SAN FRANCISCO - SAN MATEO - REDWOOD CITY 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-SAN MATEO-REDWOOD CITY, 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 |
2024 Avg. 30yFix Rate |
2024 Avg. Closing Costs |
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, 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 |
SAN FRANCISCO - SAN MATEO - REDWOOD CITY Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - SAN FRANCISCO - SAN MATEO - REDWOOD CITY (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%) |
$1,616,672 (8.5%) |
3.35 |
3,618 |
2018-05-01 |
$996,500 (10.7%) |
$1,622,835 (8.7%) |
3.33 |
4,068 |
2018-06-01 |
$988,000 (9.5%) |
$1,579,920 (6.1%) |
3.29 |
4,490 |
2018-07-01 |
$929,472 (6.2%) |
$1,486,587 (4.0%) |
3.10 |
4,800 |
2018-08-01 |
$890,000 (4.8%) |
$1,389,153 (-0.4%) |
2.98 |
4,915 |
2018-09-01 |
$899,000 (2.8%) |
$1,405,698 (-4.2%) |
3.02 |
5,955 |
2018-10-01 |
$899,000 (0.0%) |
$1,413,800 (-7.9%) |
3.04 |
6,153 |
2018-11-01 |
$890,000 (-1.0%) |
$1,433,278 (-7.7%) |
3.02 |
5,842 |
2018-12-01 |
$849,950 (-3.3%) |
$1,343,670 (-16.2%) |
2.93 |
4,174 |
2019-01-01 |
$831,910 (-1.4%) |
$1,307,318 (-13.1%) |
2.87 |
3,564 |
2019-02-01 |
$887,013 (-1.3%) |
$1,421,758 (-8.2%) |
3.00 |
4,085 |
2019-03-01 |
$916,638 (-3.5%) |
$1,485,315 (-6.2%) |
3.00 |
4,500 |
2019-04-01 |
$947,245 (-4.1%) |
$1,551,941 (-4.0%) |
3.01 |
4,892 |
2019-05-01 |
$968,750 (-2.8%) |
$1,498,162 (-7.7%) |
3.03 |
5,466 |
2019-06-01 |
$960,000 (-2.8%) |
$1,486,554 (-5.9%) |
3.00 |
5,924 |
2019-07-01 |
$927,000 (-0.3%) |
$1,533,134 (3.1%) |
2.90 |
5,828 |
2019-08-01 |
$919,505 (3.3%) |
$1,551,645 (11.7%) |
2.91 |
5,897 |
2019-09-01 |
$936,096 (4.1%) |
$1,537,969 (9.4%) |
3.00 |
6,010 |
2019-10-01 |
$949,500 (5.6%) |
$1,535,036 (8.6%) |
3.06 |
6,068 |
2019-11-01 |
$949,000 (6.6%) |
$1,610,653 (12.4%) |
3.11 |
4,955 |
2019-12-01 |
$899,000 (5.8%) |
$1,687,618 (25.6%) |
3.00 |
2,986 |
2020-01-01 |
$893,625 (7.4%) |
$1,700,971 (30.1%) |
2.99 |
2,560 |
2020-02-01 |
$998,000 (12.5%) |
$1,752,292 (23.3%) |
3.27 |
3,087 |
2020-03-01 |
$998,944 (9.0%) |
$1,713,811 (15.4%) |
3.13 |
3,526 |
2020-04-01 |
$959,490 (1.3%) |
$1,539,185 (-0.8%) |
3.01 |
3,418 |
2020-05-01 |
$999,900 (3.2%) |
$1,614,665 (7.8%) |
3.04 |
4,582 |
2020-06-01 |
$1,080,950 (12.6%) |
$1,665,284 (12.0%) |
3.18 |
4,951 |
2020-07-01 |
$1,091,500 (17.8%) |
$1,682,780 (9.8%) |
3.16 |
5,061 |
2020-08-01 |
$1,050,000 (14.2%) |
$1,676,364 (8.0%) |
3.01 |
5,204 |
2020-09-01 |
$1,052,500 (12.4%) |
$1,679,445 (9.2%) |
3.02 |
5,403 |
2020-10-01 |
$1,073,333 (13.0%) |
$1,676,301 (9.2%) |
3.08 |
5,808 |
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 (2.8%) |
2.95 |
3,034 |
2021-02-01 |
$999,500 (0.2%) |
$1,774,344 (1.3%) |
2.91 |
3,230 |
2021-03-01 |
$1,014,498 (1.6%) |
$1,858,547 (8.5%) |
2.88 |
3,372 |
2021-04-01 |
$1,049,500 (9.4%) |
$1,866,299 (21.3%) |
2.84 |
3,458 |
2021-05-01 |
$1,079,999 (8.0%) |
$1,875,168 (16.1%) |
2.87 |
3,498 |
2021-06-01 |
$1,067,000 (-1.3%) |
$1,798,259 (8.0%) |
2.81 |
3,899 |
2021-07-01 |
$999,000 (-8.5%) |
$1,687,366 (0.3%) |
2.64 |
4,243 |
2021-08-01 |
$995,000 (-5.2%) |
$1,644,319 (-1.9%) |
2.65 |
4,265 |
2021-09-01 |
$993,950 (-5.6%) |
$1,698,655 (1.1%) |
2.65 |
4,601 |
2021-10-01 |
$997,000 (-7.1%) |
$1,759,562 (5.0%) |
2.66 |
4,567 |
2021-11-01 |
$984,450 (-6.2%) |
$1,873,469 (12.6%) |
2.63 |
3,546 |
2021-12-01 |
$953,225 (-4.5%) |
$1,849,159 (8.1%) |
2.58 |
2,328 |
2022-01-01 |
$949,000 (-4.0%) |
$1,757,409 (0.5%) |
2.57 |
2,031 |
2022-02-01 |
$992,000 (-0.8%) |
$1,759,788 (-0.8%) |
2.58 |
2,480 |
2022-03-01 |
$1,047,500 (3.3%) |
$1,735,910 (-6.6%) |
2.62 |
3,008 |
2022-04-01 |
$1,098,000 (4.6%) |
$1,756,637 (-5.9%) |
2.62 |
3,395 |
2022-05-01 |
$1,124,000 (4.1%) |
$1,735,383 (-7.5%) |
2.57 |
4,616 |
2022-06-01 |
$1,146,250 (7.4%) |
$1,720,562 (-4.3%) |
2.55 |
5,681 |
2022-07-01 |
$1,098,000 (9.9%) |
$1,627,538 (-3.6%) |
2.47 |
6,246 |
2022-08-01 |
$1,043,073 (4.8%) |
$1,570,053 (-4.5%) |
2.41 |
5,970 |
2022-09-01 |
$1,089,500 (9.6%) |
$1,648,547 (-3.0%) |
2.55 |
5,922 |
2022-10-01 |
$1,090,000 (9.3%) |
$1,692,551 (-3.8%) |
2.56 |
6,026 |
2022-11-01 |
$1,037,000 (5.3%) |
$1,691,619 (-9.7%) |
2.49 |
5,366 |
2022-12-01 |
$993,420 (4.2%) |
$1,665,917 (-9.9%) |
2.45 |
3,655 |
2023-01-01 |
$978,500 (3.1%) |
$1,644,202 (-6.4%) |
2.42 |
2,987 |
2023-02-01 |
$1,002,500 (1.1%) |
$1,758,715 (-0.1%) |
2.42 |
3,089 |
2023-03-01 |
$1,081,250 (3.2%) |
$1,802,971 (3.9%) |
2.55 |
3,163 |
2023-04-01 |
$1,150,000 (4.7%) |
$1,887,958 (7.5%) |
2.67 |
3,341 |
2023-05-01 |
$1,178,250 (4.8%) |
$1,940,124 (11.8%) |
2.67 |
3,692 |
2023-06-01 |
$1,150,000 (0.3%) |
$1,939,370 (12.7%) |
2.58 |
3,977 |
2023-07-01 |
$1,100,000 (0.2%) |
$1,837,930 (12.9%) |
2.50 |
4,035 |
2023-08-01 |
$1,049,447 (0.6%) |
$1,730,136 (10.2%) |
2.41 |
4,092 |
2023-09-01 |
$1,095,000 (0.5%) |
$1,758,225 (6.7%) |
2.55 |
4,812 |
2023-10-01 |
$1,098,000 (0.7%) |
$1,768,942 (4.5%) |
2.58 |
5,052 |
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%) |
$1,756,783 (-2.6%) |
2.35 |
3,587 |
2024-04-01 |
$1,026,500 (-10.7%) |
$1,789,995 (-5.2%) |
2.39 |
4,354 |
2024-05-01 |
$1,045,750 (-11.3%) |
$1,818,330 (-6.3%) |
2.38 |
5,045 |
2024-06-01 |
$999,000 (-13.1%) |
$1,719,125 (-11.4%) |
2.27 |
5,541 |
2024-07-01 |
$995,000 (-9.6%) |
$1,636,402 (-11.0%) |
2.28 |
5,508 |
2024-08-01 |
$969,000 (-7.7%) |
$1,552,777 (-10.3%) |
2.25 |
5,374 |
2024-09-01 |
$997,500 (-8.9%) |
$1,602,783 (-8.8%) |
2.35 |
6,139 |
2024-10-01 |
$996,500 (-9.2%) |
$1,606,843 (-9.2%) |
2.35 |
6,140 |
2024-11-01 |
$969,498 (-9.1%) |
$1,589,177 (-9.5%) |
2.33 |
5,386 |
2024-12-01 |
$889,500 (-10.9%) |
$1,542,194 (-9.8%) |
2.21 |
3,529 |
2025-01-01 |
$882,000 (-6.6%) |
$1,441,377 (-11.3%) |
2.20 |
3,347 |
2025-02-01 |
$899,944 (-9.1%) |
$1,487,148 (-12.2%) |
2.18 |
4,056 |
2025-03-01 |
$950,000 (-4.9%) |
$1,508,389 (-14.1%) |
2.24 |
5,138 |
2025-04-01 |
$995,000 (-3.1%) |
$1,539,752 (-14.0%) |
2.31 |
6,208 |
2025-05-01 |
$998,800 (-4.5%) |
$1,628,682 (-10.4%) |
2.27 |
7,080 |
2025-06-01 |
$998,500 (-0.1%) |
$1,593,868 (-7.3%) |
2.26 |
7,196 |
SAN FRANCISCO - SAN MATEO - REDWOOD CITY's median listing price for 2025-06-01 was $998,500, a difference of
$-500
(-0.1%) versus the prior year and
$-300 versus the prior month.
SAN FRANCISCO - SAN MATEO - REDWOOD CITY's median listing price comes in at 226% of the national average.
SAN FRANCISCO - SAN MATEO - REDWOOD CITY's average listing price for 2025-06-01 was $1,593,868, a difference of
$-125,257
(-7.3%) versus the prior year and
$-34,814 versus the prior month.
For the 2025-06-01 period, SAN FRANCISCO - SAN MATEO - REDWOOD CITY had 7,196 MLS listings, a difference of
116 listings
(2%)
versus the prior month and
1,655 listings
(30%)
versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - SAN FRANCISCO - SAN MATEO - REDWOOD CITY (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date |
Median Listing Time on Market |
Median Square Footage |
2018-01-01 |
30 days |
1,721 sqft |
2018-02-01 |
19 days |
1,746 sqft |
2018-03-01 |
20 days |
1,767 sqft |
2018-04-01 |
22 days |
1,800 sqft |
2018-05-01 |
21 days |
1,813 sqft |
2018-06-01 |
24 days |
1,789 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 |
1,712 sqft |
2019-04-01 |
26 days |
1,779 sqft |
2019-05-01 |
26 days |
1,821 sqft |
2019-06-01 |
31 days |
1,796 sqft |
2019-07-01 |
36 days |
1,763 sqft |
2019-08-01 |
36 days |
1,746 sqft |
2019-09-01 |
35 days |
1,723 sqft |
2019-10-01 |
36 days |
1,705 sqft |
2019-11-01 |
49 days |
1,698 sqft |
2019-12-01 |
66 days |
1,708 sqft |
2020-01-01 |
53 days |
1,682 sqft |
2020-02-01 |
23 days |
1,721 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 |
1,713 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 |
1,526 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 |
1,535 sqft |
2021-10-01 |
30 days |
1,515 sqft |
2021-11-01 |
39 days |
1,500 sqft |
2021-12-01 |
47 days |
1,454 sqft |
2022-01-01 |
37 days |
1,420 sqft |
2022-02-01 |
18 days |
1,452 sqft |
2022-03-01 |
22 days |
1,506 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 |
31 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 |
1,592 sqft |
2022-12-01 |
61 days |
1,560 sqft |
2023-01-01 |
62 days |
1,551 sqft |
2023-02-01 |
33 days |
1,554 sqft |
2023-03-01 |
34 days |
1,571 sqft |
2023-04-01 |
31 days |
1,621 sqft |
2023-05-01 |
31 days |
1,633 sqft |
2023-06-01 |
32 days |
1,629 sqft |
2023-07-01 |
34 days |
1,614 sqft |
2023-08-01 |
33 days |
1,594 sqft |
2023-09-01 |
29 days |
1,589 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 |
1,466 sqft |
2024-02-01 |
29 days |
1,458 sqft |
2024-03-01 |
27 days |
1,488 sqft |
2024-04-01 |
28 days |
1,527 sqft |
2024-05-01 |
25 days |
1,560 sqft |
2024-06-01 |
31 days |
1,557 sqft |
2024-07-01 |
38 days |
1,541 sqft |
2024-08-01 |
37 days |
1,512 sqft |
2024-09-01 |
33 days |
1,535 sqft |
2024-10-01 |
38 days |
1,538 sqft |
2024-11-01 |
51 days |
1,517 sqft |
2024-12-01 |
64 days |
1,476 sqft |
2025-01-01 |
56 days |
1,440 sqft |
2025-02-01 |
30 days |
1,486 sqft |
2025-03-01 |
31 days |
1,512 sqft |
2025-04-01 |
33 days |
1,550 sqft |
2025-05-01 |
35 days |
1,600 sqft |
2025-06-01 |
40 days |
1,606 sqft |
SAN FRANCISCO - SAN MATEO - REDWOOD CITY's median listing age (time on market) for 2025-06-01 was 40 days.
This
is 27%
longer
than the same period one year ago.
SAN FRANCISCO - SAN MATEO - REDWOOD CITY's median square footage for active listings during the 2025-06-01 period was
1,606 sqft. One year prior, the average listing was
1,557 sqft.
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA Market Loan Reason
Loan Purpose |
Originations |
Total Value |
Average Loan |
Interest Rate Frequencies
Loan Rate |
Originations |
Total Value |
Average Loan |
Loan Sizing (SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA MSA)
Loan Size |
Originations |
Total Value |
Average Loan |
LTV Distribution
Loan to Value |
Originations |
Total Value |
Average Loan |