SAN JOSE - SUNNYVALE - SANTA CLARA Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in San Jose - Sunnyvale - Santa Clara averaged
6.59%
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
6.42% and
one month ago for the week of 2025-05-15, the
average rate was 6.39%.
San Jose - Sunnyvale - Santa Clara's average rate one year ago was 6.83%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.34%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| San Jose - Sunnyvale - Santa Clara 30 Year Fixed Rate | 2025-06-18 | 6.59% |
| San Jose - Sunnyvale - Santa Clara 30 Year Fixed Rate Refi | 2025-06-18 | 6.34% |
| San Jose - Sunnyvale - Santa Clara 15 Year Fixed Rate | 2025-06-18 | 6.17% |
| San Jose - Sunnyvale - Santa Clara 15 Year Fixed Rate Refi | 2025-06-18 | 5.96% |
| San Jose - Sunnyvale - Santa Clara 30 Year FHA | 2025-06-18 | -0.53% |
| San Jose - Sunnyvale - Santa Clara 30 Year FHA Refi | 2025-06-18 | 0% |
| San Jose - Sunnyvale - Santa Clara 30 Year USDA | 2025-06-18 | 0.2% |
| San Jose - Sunnyvale - Santa Clara 30 Year USDA Refi | 2025-06-18 | 0% |
| San Jose - Sunnyvale - Santa Clara 30 Year VA | 2025-06-18 | -0.07% |
| San Jose - Sunnyvale - Santa Clara 30 Year VA Refi | 2025-06-18 | -0.2% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SAN JOSE-SUNNYVALE-SANTA CLARA, CA.
SAN JOSE - SUNNYVALE - SANTA CLARA 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 JOSE-SUNNYVALE-SANTA CLARA, 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 JOSE - SUNNYVALE - SANTA CLARA Average Closing Costs & Other Stats
SAN JOSE-SUNNYVALE-SANTA CLARA, CA's 266 lenders originated 22,186
loans during 2024. The total origination value was $22,542,620,000, with an average loan value of
$1,016,074.
SAN JOSE - SUNNYVALE - SANTA CLARA's average closing costs are $4,933.
The top SAN JOSE - SUNNYVALE - SANTA CLARA lender as defined by loan originations is Wells Fargo Bank, with
1,456 loans originated. Their average total fees are
$6,760, which is $1,573
higher than the next largest lender,
Bank of America.
The lowest fee SAN JOSE - SUNNYVALE - SANTA CLARA lenders (with over 10 loans originated) are
PULTE MORTGAGE LLC ($1,759), Fremont Bank ($2,177), Charles Schwab Bank, SSB ($2,607), NBKC BANK ($3,219) and CITIZENS EQUITY FIRST ($3,276).
The lowest rate SAN JOSE - SUNNYVALE - SANTA CLARA lenders (with over 10 loans originated) are
PULTE MORTGAGE LLC (5.47%), SAN FRANCISCO FEDERAL CREDIT UNION (5.47%), Charles Schwab Bank, SSB (5.67%), DHI MORTGAGE COMPANY, LTD. (5.82%) and NAVY FEDERAL CREDIT UNION (5.88%).
SAN JOSE-SUNNYVALE-SANTA CLARA, 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 | $1,724,070,000 | $2,497,960,000 | 44.9% | 11.1% |
| Bank of America | $1,463,940,000 | $1,943,415,000 | 32.8% | 8.6% |
| U.S. Bank | $939,035,000 | $1,618,030,000 | 72.3% | 7.2% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $613,395,000 | $1,529,940,000 | 149.4% | 6.8% |
| Citibank | $1,219,440,000 | $1,341,755,000 | 10.0% | 6.0% |
| BMO Harris Bank | $618,420,000 | $1,209,430,000 | 95.6% | 5.4% |
| PNC Bank | $977,720,000 | $955,915,000 | -2.2% | 4.2% |
| QUICKEN LOANS, LLC | $612,885,000 | $944,535,000 | 54.1% | 4.2% |
| JPMorgan Chase Bank | $807,745,000 | $936,705,000 | 16.0% | 4.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $506,835,000 | $767,530,000 | 51.4% | 3.4% |
| STAR ONE CREDIT UNION | $311,875,000 | $344,310,000 | 10.4% | 1.5% |
| Morgan Stanley Private Bank | $213,635,000 | $317,170,000 | 48.5% | 1.4% |
| CBRE MULTIFAMILY CAPITAL, INC. | $32,505,000 | $272,170,000 | 737.3% | 1.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $113,870,000 | $237,000,000 | 108.1% | 1.1% |
| THE GOLDEN 1 | $384,130,000 | $223,695,000 | -41.8% | 1.0% |
| Charles Schwab Bank, SSB | $112,585,000 | $212,830,000 | 89.0% | 0.9% |
| Prudential Huntoon Paige Associates, LLC | $105,375,000 | $210,985,000 | 100.2% | 0.9% |
| M&T Realty Capital Corporation | $106,440,000 | $193,735,000 | 82.0% | 0.9% |
| GOOGAIN, INC. | $71,820,000 | $174,835,000 | 143.4% | 0.8% |
| STANFORD Federal Credit Union | $135,475,000 | $171,210,000 | 26.4% | 0.8% |
| GUARANTEED RATE, INC. | $86,545,000 | $146,030,000 | 68.7% | 0.6% |
| LOANDEPOT.COM, LLC | $90,340,000 | $138,445,000 | 53.2% | 0.6% |
| General Mortgage Capital Corporation | $59,985,000 | $137,160,000 | 128.7% | 0.6% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $117,690,000 | $134,390,000 | 14.2% | 0.6% |
| AMWEST FUNDING CORP. | $87,245,000 | $129,925,000 | 48.9% | 0.6% |
| PULTE MORTGAGE LLC | $49,060,000 | $128,810,000 | 162.6% | 0.6% |
| PATELCO | $105,435,000 | $127,145,000 | 20.6% | 0.6% |
| Commerce Home Mortgage, Inc. | $75,215,000 | $125,850,000 | 67.3% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $32,210,000 | $124,905,000 | 287.8% | 0.6% |
| FINANCE OF AMERICA REVERSE LLC | $72,305,000 | $115,465,000 | 59.7% | 0.5% |
| GUARANTEED RATE AFFINITY, LLC | $58,590,000 | $107,120,000 | 82.8% | 0.5% |
| BERKELEY POINT CAPITAL LLC | $112,665,000 | $106,645,000 | -5.3% | 0.5% |
| East West Bank | $115,690,000 | $105,830,000 | -8.5% | 0.5% |
| Fremont Bank | $66,375,000 | $92,755,000 | 39.7% | 0.4% |
| TECHNOLOGY | $55,425,000 | $87,560,000 | 58.0% | 0.4% |
| GUILD MORTGAGE COMPANY | $44,290,000 | $85,735,000 | 93.6% | 0.4% |
| LENDINGHOME FUNDING CORPORATION | $83,450,000 | $82,480,000 | -1.2% | 0.4% |
| Provident Credit Union | $105,795,000 | $81,580,000 | -22.9% | 0.4% |
| NMSI, INC. | $42,350,000 | $77,085,000 | 82.0% | 0.3% |
| FIRST TECHNOLOGY | $66,320,000 | $76,880,000 | 15.9% | 0.3% |
| The Loan Store, Inc. | $16,400,000 | $76,730,000 | 367.9% | 0.3% |
| Prosperity Home Mortgage, LLC | $55,885,000 | $64,330,000 | 15.1% | 0.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $98,485,000 | $64,010,000 | -35.0% | 0.3% |
| EAGLE HOME MORTGAGE, LLC | $34,380,000 | $62,130,000 | 80.7% | 0.3% |
| KBHS HOME LOANS, LLC | $63,585,000 | $61,765,000 | -2.9% | 0.3% |
| Century Mortgage Company DBA Century Lending Company | $35,955,000 | $61,510,000 | 71.1% | 0.3% |
| BROKER SOLUTIONS, INC. | $28,950,000 | $59,915,000 | 107.0% | 0.3% |
| Zions Bank | $30,525,000 | $58,495,000 | 91.6% | 0.3% |
| NEW WAVE LENDING GROUP INC | $24,810,000 | $56,520,000 | 127.8% | 0.3% |
| Citadel Servicing Corporation | $31,330,000 | $52,675,000 | 68.1% | 0.2% |
| CMG MORTGAGE, INC. | $31,365,000 | $52,090,000 | 66.1% | 0.2% |
| Comerica Bank | $38,485,000 | $51,040,000 | 32.6% | 0.2% |
| First-Citizens Bank & Trust Company | $114,175,000 | $50,765,000 | -55.5% | 0.2% |
| NEWREZ LLC | $18,625,000 | $50,080,000 | 168.9% | 0.2% |
| Flagstar Bank, FSB | $32,510,000 | $46,885,000 | 44.2% | 0.2% |
| NexBank | $16,725,000 | $46,150,000 | 175.9% | 0.2% |
| MERIWEST | $30,045,000 | $45,835,000 | 52.6% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $30,090,000 | $44,080,000 | 46.5% | 0.2% |
| OCMBC, INC. | $17,590,000 | $43,280,000 | 146.0% | 0.2% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $26,165,000 | $40,970,000 | 56.6% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $22,465,000 | $38,875,000 | 73.0% | 0.2% |
| Goldman Sachs Bank USA | $20,655,000 | $38,750,000 | 87.6% | 0.2% |
| UBS Bank USA | $32,315,000 | $37,485,000 | 16.0% | 0.2% |
| ORIX REAL ESTATE CAPITAL, LLC | $30,550,000 | $36,530,000 | 19.6% | 0.2% |
| SANDIA LABORATORY | $930,000 | $35,620,000 | 3,730.1% | 0.2% |
| Axos Bank | $42,130,000 | $35,570,000 | -15.6% | 0.2% |
| South Pacific Financial Corporation | $12,290,000 | $33,355,000 | 171.4% | 0.1% |
| S1L, Inc. | $8,175,000 | $32,610,000 | 298.9% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $4,280,000 | $32,145,000 | 651.1% | 0.1% |
| Cathay Bank | $24,840,000 | $31,725,000 | 27.7% | 0.1% |
| ALLIANT CREDIT UNION | $23,130,000 | $30,895,000 | 33.6% | 0.1% |
| NEXERA HOLDING LLC | $8,350,000 | $29,770,000 | 256.5% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $19,565,000 | $29,550,000 | 51.0% | 0.1% |
| BAY EQUITY LLC | $11,950,000 | $29,545,000 | 147.2% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $18,855,000 | $28,510,000 | 51.2% | 0.1% |
| AmeriHome Mortgage Company, LLC | $19,325,000 | $28,485,000 | 47.4% | 0.1% |
| Mr. Cooper ( Nationstar Mortgage ) | $13,740,000 | $28,430,000 | 106.9% | 0.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $23,750,000 | $27,625,000 | 16.3% | 0.1% |
| PremierOne Credit Union | $9,275,000 | $27,460,000 | 196.1% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $35,175,000 | $27,300,000 | -22.4% | 0.1% |
| AMERITRUST MORTGAGE CORPORATION | $26,395,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $6,615,000 | $26,175,000 | 295.7% | 0.1% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $26,055,000 | n/a | 0.1% | |
| PROPER RATE, LLC | $575,000 | $26,025,000 | 4,426.1% | 0.1% |
| NAVY FEDERAL CREDIT UNION | $20,880,000 | $25,680,000 | 23.0% | 0.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $28,105,000 | $25,440,000 | -9.5% | 0.1% |
| Figure Lending LLC | $16,775,000 | $25,215,000 | 50.3% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $15,015,000 | $24,340,000 | 62.1% | 0.1% |
| Performance Financial, Inc. | $6,775,000 | $24,175,000 | 256.8% | 0.1% |
| FREEDOM MORTGAGE CORPORATION | $4,210,000 | $23,960,000 | 469.1% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $13,040,000 | $23,910,000 | 83.4% | 0.1% |
| SANTA CLARA COUNTY | $20,290,000 | $23,275,000 | 14.7% | 0.1% |
| ARC HOME LLC | $9,575,000 | $23,255,000 | 142.9% | 0.1% |
| CITIZENS EQUITY FIRST | $19,420,000 | $23,220,000 | 19.6% | 0.1% |
| First Bank | $16,505,000 | $23,050,000 | 39.7% | 0.1% |
| BETTER MORTGAGE CORPORATION | $5,590,000 | $22,955,000 | 310.6% | 0.1% |
| BAY-VALLEY MORTGAGE GROUP | $10,445,000 | $22,790,000 | 118.2% | 0.1% |
| JMAC LENDING, INC. | $21,520,000 | $22,155,000 | 3.0% | 0.1% |
| Citizens Bank | $18,120,000 | $22,025,000 | 21.6% | 0.1% |
| SAN FRANCISCO FEDERAL CREDIT UNION | $22,005,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $18,330,000 | $21,330,000 | 16.4% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $13,410,000 | $21,040,000 | 56.9% | 0.1% |
| Mortgage Research Center, LLC | $11,290,000 | $19,880,000 | 76.1% | 0.1% |
| TEACHERS | $180,000 | $19,755,000 | 10,875.0% | 0.1% |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $19,630,000 | n/a | 0.1% | |
| INSPIRE HOME LOANS INC. | $13,965,000 | $19,585,000 | 40.2% | 0.1% |
| CommonWealth Central Credit Union | $3,680,000 | $19,310,000 | 424.7% | 0.1% |
| FUNDLOANS CAPITAL | $3,505,000 | $18,115,000 | 416.8% | 0.1% |
| HighTechLending Inc | $6,990,000 | $18,110,000 | 159.1% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $9,635,000 | $17,980,000 | 86.6% | 0.1% |
| DHI MORTGAGE COMPANY, LTD. | $995,000 | $17,335,000 | 1,642.2% | 0.1% |
| Golden Bank | $32,350,000 | $17,175,000 | -46.9% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $20,505,000 | $16,430,000 | -19.9% | 0.1% |
| San Mateo Credit Union | $10,710,000 | $16,170,000 | 51.0% | 0.1% |
| Ameris Bank | $10,125,000 | $16,135,000 | 59.4% | 0.1% |
| ONY GLO, INC. | $11,590,000 | $15,405,000 | 32.9% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $11,520,000 | $15,355,000 | 33.3% | 0.1% |
| DIGITAL Federal Credit Union | $10,330,000 | $15,320,000 | 48.3% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $7,635,000 | $15,300,000 | 100.4% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $10,385,000 | $15,180,000 | 46.2% | 0.1% |
| KEYPOINT | $6,370,000 | $15,120,000 | 137.4% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $5,790,000 | $14,800,000 | 155.6% | 0.1% |
| 21ST MORTGAGE CORPORATION | $14,650,000 | $14,705,000 | 0.4% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $11,370,000 | $13,250,000 | 16.5% | 0.1% |
| SPRING EQ, LLC | $3,150,000 | $13,135,000 | 317.0% | 0.1% |
| City National Bank | $9,175,000 | $12,530,000 | 36.6% | 0.1% |
| MERIWEST MORTGAGE COMPANY, LLC | $9,845,000 | $12,445,000 | 26.4% | 0.1% |
| Royal Business Bank | $12,420,000 | n/a | 0.1% | |
| SUMMIT MORTGAGE BANKERS INC. | $1,275,000 | $12,155,000 | 853.3% | 0.1% |
| PHH Mortgage Corporation | $5,270,000 | $11,860,000 | 125.0% | 0.1% |
| KINECTA | $60,585,000 | $11,810,000 | -80.5% | 0.1% |
| Bethpage Federal Credit Union | $11,550,000 | $11,805,000 | 2.2% | 0.1% |
| NBKC BANK | $550,000 | $11,645,000 | 2,017.3% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $3,695,000 | $11,570,000 | 213.1% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $6,715,000 | $11,480,000 | 71.0% | 0.1% |
| Logan Finance Corporation | $5,295,000 | $11,265,000 | 112.7% | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | $1,915,000 | $10,915,000 | 470.0% | 0.0% |
| Cornerstone First Mortgage, Inc | $795,000 | $10,865,000 | 1,266.7% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $4,545,000 | $10,725,000 | 136.0% | 0.0% |
| Coastal Community Bank | $5,095,000 | $10,525,000 | 106.6% | 0.0% |
| Mission City Federal Credit Union | $10,265,000 | n/a | 0.0% | |
| MK LENDING CORP. | $5,620,000 | $10,085,000 | 79.4% | 0.0% |
| EVERETT FINANCIAL, INC. | $6,160,000 | $10,060,000 | 63.3% | 0.0% |
| Provident Savings Bank, F.S.B. | $2,215,000 | $9,930,000 | 348.3% | 0.0% |
| State Bank of the Lakes | $9,800,000 | n/a | 0.0% | |
| SCHOOLSFIRST | $4,715,000 | $9,640,000 | 104.5% | 0.0% |
| Home Mortgage Alliance Corp | $9,455,000 | n/a | 0.0% | |
| Tri Counties Bank | $52,490,000 | $9,340,000 | -82.2% | 0.0% |
| OAKTREE FUNDING CORP. | $510,000 | $9,215,000 | 1,706.9% | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | $11,560,000 | $9,145,000 | -20.9% | 0.0% |
| NP, Inc. | $2,660,000 | $8,670,000 | 225.9% | 0.0% |
| ZILLOW HOME LOANS, LLC | $5,040,000 | $8,625,000 | 71.1% | 0.0% |
| Mechanics Bank | $4,655,000 | $8,560,000 | 83.9% | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | $3,155,000 | $8,545,000 | 170.8% | 0.0% |
| Carrington Mortgage Services, LLC | $2,575,000 | $8,470,000 | 228.9% | 0.0% |
| Umpqua Bank | $15,885,000 | $8,440,000 | -46.9% | 0.0% |
| CBC Federal Credit Union | $6,405,000 | $8,185,000 | 27.8% | 0.0% |
| LENDSURE MORTGAGE CORP. | $5,405,000 | $8,145,000 | 50.7% | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | $6,325,000 | $8,040,000 | 27.1% | 0.0% |
| River City Bank | $8,005,000 | n/a | 0.0% | |
| Washington Federal Bank | $8,005,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $7,075,000 | $7,915,000 | 11.9% | 0.0% |
| Discover Bank | $8,060,000 | $7,630,000 | -5.3% | 0.0% |
| Boeing Employees Credit Union | $885,000 | $7,470,000 | 744.1% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $2,320,000 | $7,240,000 | 212.1% | 0.0% |
| ENVOY MORTGAGE, LTD | $3,255,000 | $7,225,000 | 122.0% | 0.0% |
| Wilmington Savings Fund Society, FSB | $7,035,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $3,350,000 | $6,985,000 | 108.5% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $1,010,000 | $6,825,000 | 575.7% | 0.0% |
| Hometown Equity Mortgage, LLC | $10,550,000 | $6,790,000 | -35.6% | 0.0% |
| Merchants Mortgage & Trust Corporation | $4,855,000 | $6,600,000 | 35.9% | 0.0% |
| Ally Bank | $3,740,000 | $6,520,000 | 74.3% | 0.0% |
| UNCLE Credit Union | $195,000 | $6,520,000 | 3,243.6% | 0.0% |
| BAY | $4,515,000 | $6,480,000 | 43.5% | 0.0% |
| A&D Mortgage LLC | $5,955,000 | $6,375,000 | 7.1% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $15,535,000 | $6,315,000 | -59.3% | 0.0% |
| SUMMIT FUNDING, INC. | $4,265,000 | $6,290,000 | 47.5% | 0.0% |
| MACKILLIE INCORPORATED | $3,475,000 | $6,215,000 | 78.8% | 0.0% |
| CHEVRON | $3,315,000 | $6,095,000 | 83.9% | 0.0% |
| HomeTrust Bank | $4,215,000 | $6,035,000 | 43.2% | 0.0% |
| REDWOOD | $4,230,000 | $5,965,000 | 41.0% | 0.0% |
| Franklin Loan Corporation | $2,365,000 | $5,790,000 | 144.8% | 0.0% |
| Village Bank & Trust | $5,705,000 | n/a | 0.0% | |
| ADVANCIAL | $3,430,000 | $5,525,000 | 61.1% | 0.0% |
| Vellum Mortgage, Inc. | $4,305,000 | $5,490,000 | 27.5% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $725,000 | $5,400,000 | 644.8% | 0.0% |
| Equity Prime Mortgage LLC | $445,000 | $5,395,000 | 1,112.4% | 0.0% |
| TBI MORTGAGE COMPANY | $1,105,000 | $5,350,000 | 384.2% | 0.0% |
| Lake Forest Bank & Trust | $5,330,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $1,030,000 | $5,260,000 | 410.7% | 0.0% |
| CARDINAL FINANCIAL | $5,270,000 | $5,180,000 | -1.7% | 0.0% |
| COAST 2 COAST FUNDING GROUP, INC. | $4,705,000 | $5,060,000 | 7.5% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $7,770,000 | $4,755,000 | -38.8% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $3,365,000 | $4,665,000 | 38.6% | 0.0% |
| UIF CORPORATION | $3,540,000 | $4,615,000 | 30.4% | 0.0% |
| PLANET HOME LENDING, LLC | $2,065,000 | $4,550,000 | 120.3% | 0.0% |
| PREMIA MORTGAGE, LLC | $4,410,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $1,005,000 | $4,405,000 | 338.3% | 0.0% |
| Shea Mortgage Inc. | $4,375,000 | n/a | 0.0% | |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $6,840,000 | $4,265,000 | -37.6% | 0.0% |
| RESIDENTIAL BANCORP | $3,275,000 | $4,260,000 | 30.1% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $7,155,000 | $4,180,000 | -41.6% | 0.0% |
| UNION HOME MORTGAGE CORP. | $2,125,000 | $4,175,000 | 96.5% | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $2,475,000 | $4,155,000 | 67.9% | 0.0% |
| Leader Bank | $4,040,000 | n/a | 0.0% | |
| Luxury Mortgage Corp. | $755,000 | $3,960,000 | 424.5% | 0.0% |
| NuVision Federal Credit Union | $1,470,000 | $3,920,000 | 166.7% | 0.0% |
| WESCOM CENTRAL CREDIT UNION | $290,000 | $3,890,000 | 1,241.4% | 0.0% |
| EQUITY WAVE LENDING, INC. | $4,160,000 | $3,780,000 | -9.1% | 0.0% |
| Stifel Bank and Trust | $9,550,000 | $3,775,000 | -60.5% | 0.0% |
| SNAPFI, INC. | $1,875,000 | $3,750,000 | 100.0% | 0.0% |
| MidFirst Bank | $1,805,000 | $3,715,000 | 105.8% | 0.0% |
| PACIFIC SERVICE | $2,845,000 | $3,630,000 | 27.6% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $2,350,000 | $3,595,000 | 53.0% | 0.0% |
| First National Bank of America | $3,510,000 | $3,535,000 | 0.7% | 0.0% |
| SAFE CREDIT UNION | $7,725,000 | $3,380,000 | -56.2% | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | $555,000 | $3,225,000 | 481.1% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $9,525,000 | $3,215,000 | -66.2% | 0.0% |
| Arbor Realty Trust, Inc. | $3,175,000 | n/a | 0.0% | |
| GTE Federal Credit Union | $310,000 | $3,165,000 | 921.0% | 0.0% |
| Town Bank, N.A. | $3,160,000 | n/a | 0.0% | |
| Quontic Bank | $3,150,000 | n/a | 0.0% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $3,145,000 | n/a | 0.0% | |
| Evolve Bank & Trust | $6,370,000 | $3,145,000 | -50.6% | 0.0% |
| First Federal Bank | $255,000 | $2,900,000 | 1,037.3% | 0.0% |
| Northpointe Bank | $5,010,000 | $2,895,000 | -42.2% | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $2,870,000 | n/a | 0.0% | |
| Truist | $3,990,000 | $2,840,000 | -28.8% | 0.0% |
| Farmers Bank & Trust | $2,815,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $2,260,000 | $2,815,000 | 24.6% | 0.0% |
| BNY Mellon | $3,660,000 | $2,805,000 | -23.4% | 0.0% |
| CTBC Bank Corp. (USA) | $5,595,000 | $2,805,000 | -49.9% | 0.0% |
| 5TH STREET CAPITAL, INC. | $8,110,000 | $2,775,000 | -65.8% | 0.0% |
| North Coast Financial, Inc. | $1,000,000 | $2,760,000 | 176.0% | 0.0% |
| State Department Federal Credit Union | $105,000 | $2,760,000 | 2,528.6% | 0.0% |
| The Federal Savings Bank | $1,080,000 | $2,735,000 | 153.2% | 0.0% |
| Community West Bank | $8,740,000 | $2,715,000 | -68.9% | 0.0% |
| MLD MORTGAGE INC. | $1,365,000 | $2,685,000 | 96.7% | 0.0% |
| Beverly Bank & Trust | $2,590,000 | n/a | 0.0% | |
| FOUNDATION MORTGAGE CORPORATION | $1,505,000 | $2,535,000 | 68.4% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $2,440,000 | n/a | 0.0% | |
| Florida Capital Bank | $1,840,000 | $2,405,000 | 30.7% | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | $2,380,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $675,000 | $2,355,000 | 248.9% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $10,845,000 | $2,355,000 | -78.3% | 0.0% |
| Lakeview Community Capital, LLC | $610,000 | $2,355,000 | 286.1% | 0.0% |
| KeyBank | $5,020,000 | $2,280,000 | -54.6% | 0.0% |
| Connexus Credit Union | $485,000 | $2,185,000 | 350.5% | 0.0% |
| RF Renovo Management Company, LLC | $2,155,000 | n/a | 0.0% | |
| Greenbox Loans, Inc. | $5,555,000 | $2,035,000 | -63.4% | 0.0% |
| Fifth Third Bank | $885,000 | $2,005,000 | 126.6% | 0.0% |
| Wheaton Bank & Trust | $2,005,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $480,000 | $1,980,000 | 312.5% | 0.0% |
| BM Real Estate Services, Inc. | $1,955,000 | n/a | 0.0% | |
| FAY SERVICING, LLC | $1,115,000 | $1,935,000 | 73.5% | 0.0% |
| MORIA DEVELOPMENT, INC. | $1,930,000 | n/a | 0.0% | |
| Industrial and Commercial Bank of China USA | $17,010,000 | $1,890,000 | -88.9% | 0.0% |
| Schaumburg Bank & Trust | $1,875,000 | n/a | 0.0% | |
| Advisors Mortgage Group, L.L.C. | $1,730,000 | $1,870,000 | 8.1% | 0.0% |
| USC Credit Union | $150,000 | $1,860,000 | 1,140.0% | 0.0% |
| BRIDGELOCK CAPITAL | $1,305,000 | $1,850,000 | 41.8% | 0.0% |
| USAlliance Federal Credit Union | $1,010,000 | $1,845,000 | 82.7% | 0.0% |
| INTELLILOAN, INC. | $595,000 | $1,840,000 | 209.2% | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | $1,830,000 | n/a | 0.0% | |
| SCENIC OAKS FUNDING, INC. | $1,755,000 | $1,820,000 | 3.7% | 0.0% |
| T. J. FINANCIAL, INC. | $1,430,000 | $1,810,000 | 26.6% | 0.0% |
| First Standard Financial Corp. | $725,000 | $1,730,000 | 138.6% | 0.0% |
| HANSCOM | $1,315,000 | $1,720,000 | 30.8% | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | $4,005,000 | $1,715,000 | -57.2% | 0.0% |
| Bank-Fund Staff Federal Credit Union | $1,710,000 | n/a | 0.0% | |
| Golden Empire Mortgage, Inc. | $655,000 | $1,680,000 | 156.5% | 0.0% |
| First Western Trust Bank | $1,675,000 | n/a | 0.0% | |
| USAA Federal Savings Bank | $2,025,000 | $1,635,000 | -19.3% | 0.0% |
| Citizens Business Bank | $1,605,000 | n/a | 0.0% | |
| Woori America Bank | $1,605,000 | n/a | 0.0% | |
| TRAVIS CREDIT UNION | $940,000 | $1,545,000 | 64.4% | 0.0% |
| SILVER HILL FUNDING, LLC | $1,520,000 | n/a | 0.0% | |
| Preferred Bank | $1,770,000 | $1,505,000 | -15.0% | 0.0% |
| T2 FINANCIAL LLC | $1,500,000 | n/a | 0.0% | |
| Plains Commerce Bank | $1,085,000 | $1,495,000 | 37.8% | 0.0% |
| St Charles Bank & Trust | $1,105,000 | $1,485,000 | 34.4% | 0.0% |
| Toyota Financial Savings Bank | $2,105,000 | $1,460,000 | -30.6% | 0.0% |
| GENEVA FINANCIAL, LLC | $1,415,000 | n/a | 0.0% | |
| Educational Employees Credit Union | $115,000 | $1,390,000 | 1,108.7% | 0.0% |
| 1ST UNITED SERVICES CREDIT UNION | $1,390,000 | $1,340,000 | -3.6% | 0.0% |
| LOGIX FEDERAL CREDIT UNION | $5,790,000 | $1,330,000 | -77.0% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $925,000 | $1,310,000 | 41.6% | 0.0% |
| IVY MORTGAGE, INC. | $1,300,000 | n/a | 0.0% | |
| NJ LENDERS CORP. | $1,665,000 | $1,290,000 | -22.5% | 0.0% |
| Service Federal Credit Union | $1,870,000 | $1,255,000 | -32.9% | 0.0% |
| Pacific Lending LLC | $1,230,000 | n/a | 0.0% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $1,220,000 | n/a | 0.0% | |
| The Central Trust Bank | $1,200,000 | $1,220,000 | 1.7% | 0.0% |
| Firefighters First Federal Credit Union | $1,215,000 | n/a | 0.0% | |
| Keystone Funding, Inc. | $3,790,000 | $1,210,000 | -68.1% | 0.0% |
| GENISYS | $1,205,000 | n/a | 0.0% | |
| Wintrust Bank, N.A. | $775,000 | $1,205,000 | 55.5% | 0.0% |
| Magnolia Bank | $1,175,000 | n/a | 0.0% | |
| Armed Forces Bank | $1,165,000 | n/a | 0.0% | |
| ALL REVERSE MORTGAGE, INC. | $1,535,000 | $1,160,000 | -24.4% | 0.0% |
| Sunflower Bank | $1,160,000 | n/a | 0.0% | |
| United Nations Federal Credit Union | $1,155,000 | n/a | 0.0% | |
| Constant Investments, Inc. | $1,145,000 | n/a | 0.0% | |
| JMJ FINANCIAL GROUP | $1,790,000 | $1,125,000 | -37.2% | 0.0% |
| Old Plank Trail Community Bank | $1,125,000 | n/a | 0.0% | |
| MOUNTAIN WEST FINANCIAL, INC. | $6,245,000 | $1,100,000 | -82.4% | 0.0% |
| Mortgage Vintage, Inc. | $1,095,000 | n/a | 0.0% | |
| NFM, INC. | $3,915,000 | $1,095,000 | -72.0% | 0.0% |
| V.I.P. MORTGAGE, INC. | $1,095,000 | n/a | 0.0% | |
| GoPrime Mortgage, Inc. | $1,085,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $455,000 | $1,075,000 | 136.3% | 0.0% |
| Washington Trust Bank | $205,000 | $1,065,000 | 419.5% | 0.0% |
| Summit Mortgage Corporation | $1,050,000 | n/a | 0.0% | |
| Liberty Savings Bank, F.S.B. | $1,030,000 | n/a | 0.0% | |
| GEO-CORP, INC. | $1,035,000 | $1,015,000 | -1.9% | 0.0% |
| F&A Federal Credit Union | $995,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $200,000 | $990,000 | 395.0% | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | $985,000 | n/a | 0.0% | |
| Baxter Credit Union | $1,740,000 | $965,000 | -44.5% | 0.0% |
| AUGUSTA FINANCIAL, INC. | $960,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $930,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $11,515,000 | $915,000 | -92.1% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $25,000 | $910,000 | 3,540.0% | 0.0% |
| City Lending Inc. | $905,000 | n/a | 0.0% | |
| KD CAPITAL MORTGAGE CORPORATION | $885,000 | n/a | 0.0% | |
| NORWICH COMMERCIAL GROUP, INC. | $885,000 | n/a | 0.0% | |
| COASTAL FUNDING SLC, INC. | $855,000 | n/a | 0.0% | |
| MORTGAGE ACCESS CORP. | $855,000 | n/a | 0.0% | |
| Strong Home Mortgage, LLC | $575,000 | $855,000 | 48.7% | 0.0% |
| FIRST NATIONS HOME FINANCE CORPORATION | $845,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $465,000 | $830,000 | 78.5% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $815,000 | n/a | 0.0% | |
| HomeStreet Bank | $12,220,000 | $810,000 | -93.4% | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | $795,000 | n/a | 0.0% | |
| Credit Union of Southern California | $795,000 | n/a | 0.0% | |
| AmRes Corporation | $970,000 | $765,000 | -21.1% | 0.0% |
| DIGNIFIED HOME LOANS, LLC | $475,000 | $765,000 | 61.1% | 0.0% |
| FEDERATED MORTGAGE CORP. | $345,000 | $765,000 | 121.7% | 0.0% |
| UNIVERSITY CREDIT UNION | $290,000 | $765,000 | 163.8% | 0.0% |
| Ardent Federal Credit Union | $755,000 | n/a | 0.0% | |
| INTERCAP LENDING INC. | $755,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $385,000 | $745,000 | 93.5% | 0.0% |
| GMFS LLC | $735,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $725,000 | $725,000 | 0.0% | 0.0% |
| AltaOne Federal Credit Union | $715,000 | n/a | 0.0% | |
| LOANPAL, LLC | $810,000 | $635,000 | -21.6% | 0.0% |
| Noble Federal Credit Union | $635,000 | n/a | 0.0% | |
| CALIFORNIA CREDIT UNION | $3,795,000 | $625,000 | -83.5% | 0.0% |
| Self-Help Federal Credit Union | $535,000 | $625,000 | 16.8% | 0.0% |
| MICHIGAN MUTUAL, INC. | $2,650,000 | $620,000 | -76.6% | 0.0% |
| RBC Bank, (Georgia) | $585,000 | n/a | 0.0% | |
| Regions Bank | $135,230,000 | $555,000 | -99.6% | 0.0% |
| PREMIER LENDING, INC. | $6,240,000 | $545,000 | -91.3% | 0.0% |
| PURDUE FEDERAL CREDIT UNION | $545,000 | n/a | 0.0% | |
| EMM LOANS LLC | $540,000 | n/a | 0.0% | |
| CAMPOS FINANCIAL CORP. | $525,000 | n/a | 0.0% | |
| LANTZMAN MANAGEMENT, INC. | $4,150,000 | $525,000 | -87.3% | 0.0% |
| Community First National Bank | $655,000 | $515,000 | -21.4% | 0.0% |
| United States Senate Federal Credit Union | $65,000 | $505,000 | 676.9% | 0.0% |
| US MORTGAGE CORPORATION | $505,000 | n/a | 0.0% | |
| ML Mortgage Corp. | $500,000 | n/a | 0.0% | |
| Nations Lending Corporation | $1,710,000 | $475,000 | -72.2% | 0.0% |
| Bank of Stockton | $510,000 | $455,000 | -10.8% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $405,000 | n/a | 0.0% | |
| Core Bank | $405,000 | n/a | 0.0% | |
| Devon Bank | $405,000 | n/a | 0.0% | |
| FISHER FINANCIAL GROUP, INCORPORATED | $405,000 | n/a | 0.0% | |
| SEA WEST COAST GUARD FEDERAL CREDIT UNION | $715,000 | $380,000 | -46.9% | 0.0% |
| Bank of Marin | $355,000 | n/a | 0.0% | |
| CONSUMERS COOPERATIVE CREDIT UNION | $340,000 | n/a | 0.0% | |
| First Savings Bank | $325,000 | $305,000 | -6.2% | 0.0% |
| TJC Mortgage, Inc. | $535,000 | $305,000 | -43.0% | 0.0% |
| EXCITE Credit Union | $55,000 | $265,000 | 381.8% | 0.0% |
| LADERA LENDING, INC. | $1,775,000 | $260,000 | -85.4% | 0.0% |
| California Coast Credit Union | $260,000 | $255,000 | -1.9% | 0.0% |
| Deere Employees Credit Union | $255,000 | n/a | 0.0% | |
| Financial Partners Credit Union | $175,000 | $255,000 | 45.7% | 0.0% |
| JUSTICE Federal Credit Union | $255,000 | n/a | 0.0% | |
| MYPOINT Credit Union | $255,000 | n/a | 0.0% | |
| ALLIED MORTGAGE GROUP, INC. | $1,030,000 | $245,000 | -76.2% | 0.0% |
| SALAL | $205,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $205,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $205,000 | n/a | 0.0% | |
| SAN FRANCISCO FIRE CREDIT UNION | $5,715,000 | $195,000 | -96.6% | 0.0% |
| GREAT LAKES | $155,000 | n/a | 0.0% | |
| Murphy Bank | $145,000 | n/a | 0.0% | |
| THE POLICE Credit Union | $1,440,000 | $145,000 | -89.9% | 0.0% |
| AMERICAN FIRST | $135,000 | n/a | 0.0% | |
| Banner Bank | $1,555,000 | $105,000 | -93.2% | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| LOANLEADERS OF AMERICA, INC. | $105,000 | n/a | 0.0% | |
| ORANGE COUNTY'S CREDIT UNION | $155,000 | $105,000 | -32.3% | 0.0% |
| ARROWHEAD CENTRAL CREDIT UNION | $75,000 | n/a | 0.0% | |
| UNITED | $65,000 | n/a | 0.0% | |
| CALTECH EMPLOYEES FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| CIS Financial Services, Inc. | $1,310,000 | $55,000 | -95.8% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $25,000 | n/a | 0.0% |
SAN JOSE - SUNNYVALE - SANTA CLARA's top lender by overall market share is Wells Fargo Bank, with 11.1% market share. In second place, with 8.6%, is Bank of America, having originated $1,943,415,000 in loans. In third place, with 7.2%, is U.S. Bank, having originated $1,618,030,000 in loans. In fourth place, with 6.8%, is HSBC BANK USA, NATIONAL ASSOCIATION, having originated $1,529,940,000 in loans. In fifth place, with 6.0%, is Citibank, having originated $1,341,755,000 in loans.
SAN JOSE-SUNNYVALE-SANTA CLARA, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 12,134 | $14,837,840,000 | $1,222,832 |
| Refi | 4,127 | $5,138,185,000 | $1,245,017 |
| Cash Out Refi | 2,242 | $1,460,790,000 | $651,557 |
| Home Improvement | 1,993 | $516,425,000 | $259,119 |
| Other | 1,678 | $578,860,000 | $344,970 |
| NA | 12 | $10,520,000 | $876,667 |
San Jose - Sunnyvale - Santa Clara's most frequently cited loan purpose was Home Purchase, with 12,134 originations. The 2nd most popular reason was Refi, with 4,127 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 9,458 | $9,444,000,000 | $998,520 |
| 5-6% | 5,006 | $7,902,600,000 | $1,578,626 |
| Over 8% | 4,147 | $1,772,315,000 | $427,373 |
| 7-8% | 2,991 | $2,476,435,000 | $827,962 |
| 4-5% | 298 | $460,950,000 | $1,546,812 |
| <2.5% | 66 | $61,740,000 | $935,455 |
| 3-4% | 15 | $10,325,000 | $688,333 |
| 2.5-3% | 5 | $75,175,000 | $15,035,000 |
During 2024, San Jose - Sunnyvale - Santa Clara's most frequently originated rate bucket was 6-7%, with 9,458 originations.
Loan Sizing (SAN JOSE-SUNNYVALE-SANTA CLARA, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $Over $1MM | 8,714 | $16,016,150,000 | $1,837,979 |
| $600k-1000k | 5,194 | $4,101,630,000 | $789,686 |
| $200k-400k | 2,890 | $824,270,000 | $285,215 |
| $400k-600k | 2,631 | $1,297,615,000 | $493,202 |
| $100k-200k | 1,752 | $239,770,000 | $136,855 |
| $100,000 or less | 1,005 | $63,185,000 | $62,871 |
SAN JOSE - SUNNYVALE - SANTA CLARA's loan sizing saw the bucket of loans from $Over $1MM with 8,714 originations, totaling $16,016,150,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 7,796 | $11,279,390,000 | $1,446,818 |
| Under 20% | 4,476 | $960,230,000 | $214,529 |
| 80-100% | 3,528 | $4,076,000,000 | $1,155,329 |
| 40-60% | 3,301 | $4,082,195,000 | $1,236,654 |
| 20-40% | 2,747 | $1,652,535,000 | $601,578 |
| Over 100% | 46 | $106,190,000 | $2,308,478 |
SAN JOSE - SUNNYVALE - SANTA CLARA's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 7,796 originations, totaling $11,279,390,000 in origination value.