Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

California · Stockton-Lodi, CA

San Joaquin County, CA: mortgages, home buyers & loan limits

What buyers in San Joaquin County actually borrowed, earned and paid in 2025, from the official Home Mortgage Disclosure Act records — plus the 2026 conforming and FHA loan limits.

HMDA 2025 data released June 23, 2026 · Loan limits for calendar year 2026

In 2025, lenders reported 5,990 home-purchase mortgages for owner-occupied, single-family homes in San Joaquin County, CA. The median buyer borrowed $515,000 on a home valued at $615,000 and reported a household income of $148,000.

Buyers financed a median 90% of the home's value (roughly 10% down), paid a median 6.50% on 30-year fixed conventional loans and faced median conventional loan costs of $6,760.

Lenders denied 9.4% of completed home-purchase applications.

Conforming limit 2026
$832,750
1-unit home · FHFA
FHA limit 2026
$678,500
1-unit home · HUD
Buyer income
$148,000
U.S. $116,000
30-yr fixed rate
6.50%
U.S. 6.625%
Loan costs
$6,760
Conventional · U.S. $5,570
Denial rate
9.4%
Purchase · U.S. 8.5%

Key facts about San Joaquin County mortgages

  • Home buyers' median income ($148,000) is 15% lower than the California median ($175,000).
  • The median 30-year fixed conventional rate here was 13 basis points below the U.S. median (6.625%).
  • Median conventional loan costs ($6,760) were 21% higher than the U.S. median ($5,570).
  • The most common age bracket among borrowers was 35–44 (33.2% of purchase loans).
  • 50.1% of purchase mortgages had a single borrower with no co-applicant.
  • The most-cited reason for denial was debt-to-income ratio (46.0% of denials with a stated reason).

National rank among 1,994 counties with at least 100 purchase loans: median income of home buyers 126th · median home-purchase loan 72nd · median conventional loan costs 182nd · purchase application denial rate 632nd. See rankings.

2026 loan limits in San Joaquin County

PropertyConforming 2026vs 2025FHA 2026vs 2025
1 unit $832,750 +$26,250 $678,500 no change
2 units $1,066,250 +$33,600 $868,600 no change
3 units $1,288,800 +$40,650 $1,049,950 no change
4 units $1,601,750 +$50,500 $1,304,850 no change

2026 limits for San Joaquin County, CA: conforming (Fannie Mae / Freddie Mac) from FHFA; FHA forward-mortgage limits from HUD. FHA treats this county as a high-cost area (limit above the national floor). Loans above the conforming limit are "jumbo" loans.

All California counties: California 2026 loan limits. FHFA and HUD normally announce the next year's limits in late November.

Who bought homes in San Joaquin County

Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.

Purchase loans
5,990
of 6,807 applications
Buyer income
$148,000
Middle half $108,000–$204,000
Home value
$615,000
Middle half $465,000–$745,000
Loan amount
$515,000
Middle half $395,000–$635,000
Down payment
10%
39.2% put 20%+ down
Single borrower
50.1%
No co-applicant

Values are medians; "middle half" is the 25th to 75th percentile.

Loan type

Conventional 69.7% 4,178
FHA 25.5% 1,528
VA 4.7% 284

What the homes were for

Primary residence 93.7% 6,062
Second home 0.6% 37
Investment property 5.8% 374

All first-lien, closed-end purchase mortgages, including second homes and investors.

Borrower age

Under 25 4.3%
25–34 29.4%
35–44 33.2%
45–54 18.8%
55–64 8.8%
65–74 4.2%
75 and over 1.3%

Debt-to-income ratio

Under 20% 2.1%
20–29% 7.8%
30–35% 12.0%
36–42% 24.3%
43–49% 42.4%
50–60% 11.2%
Over 60% 0.2%

Monthly debts (including the new payment) as a share of income, as used in underwriting.

What borrowing cost in San Joaquin County

Medians for 2025 home-purchase loans. Total loan costs are section D of the Loan Estimate/Closing Disclosure (lender and third-party loan charges, excluding taxes, prepaids and escrow). FHA and VA costs include the upfront mortgage insurance premium or VA funding fee, so compare like with like.

MeasureSan Joaquin CountyCaliforniaU.S.
30-year fixed rate · conventional6.500%6.625%6.625%
30-year fixed rate · FHA6.125%6.125%6.250%
30-year fixed rate · VA6.000%6.124%6.125%
15-year fixed rate · conventional5.625%5.750%5.875%
Rate spread vs. APOR · conventional+0.06 pts+0.09 pts+0.13 pts
Total loan costs · conventional$6,760$7,920$5,570
Total loan costs · FHA$16,180$17,220$11,310
Total loan costs · VA$5,840$8,600$6,490
Origination charges (all loan types)$2,720$2,350$1,860
Borrowers paying discount points62.8%47.2%51.3%
Points paid, when paid (% of loan)1.12%0.78%0.87%
Borrowers receiving lender credits33.4%39.8%33.1%
Adjustable-rate mortgages12.0%14.4%7.4%
Jumbo loans (above conforming limit)4.3%11.8%3.8%

Medians are shown only when at least 30 loans report the field. Rates are those reported at closing; market rates changed during 2025, which the rate spread (APR minus the average prime offer rate on the lock date) adjusts for.

Approvals and denials

San Joaquin County: 642 of 6,807 completed home-purchase applications were denied (9.4%).

Denial rate

ApplicationSan Joaquin CountyCaliforniaU.S.
Home purchase9.4%8.9%8.5%
Conventional8.2%8.2%7.1%
FHA13.1%11.4%12.5%
VA6.4%8.7%8.0%
USDA—23.8%12.5%
Refinance24.3%17.5%17.9%
Cash-out refinance36.3%31.5%33.6%

Main reason for purchase denials

Debt-to-income ratio 46.0%
Collateral (appraisal/property) 11.2%
Other 9.0%
Credit history 8.1%
Insufficient cash (down payment/closing costs) 7.9%
Credit application incomplete 7.6%
Unverifiable information 7.0%
Employment history 3.0%
Mortgage insurance denied 0.2%

First reason the lender reported.

Denial rate = denied ÷ (originated + approved but not accepted + denied). Withdrawn and incomplete applications are excluded. Differences between places reflect who applies, not only lender behavior.

Refinancing in San Joaquin County

Refinances
1,470
Median loan $545,000
Refi rate
6.375%
30-yr fixed, conv.
Refi loan costs
$3,830
Conventional
Cash-out refis
898
Median loan $345,000
Cash-out rate
6.75%
30-yr fixed, conv.
Cash-out income
$108,000
Median borrower

Top mortgage lenders in San Joaquin County

301 lenders originated at least one home-purchase or refinance loan here in 2025. The table ranks them by loan count; pricing columns compare conventional purchase loans only.

#LenderLoansShareDenial rate30-yr rate*Spread*Costs*
1 United Wholesale Mortgage (UWM) 1,448 17.3% 9.9% 6.598% +0.18 $8,190
2 Rocket Mortgage, LLC 711 8.5% 10.3% 6.625% +0.15 $5,870
3 Lennar Mortgage, LLC 644 7.7% 9.5% 4.990% −1.28 $6,860
4 loanDepot.com, LLC 367 4.4% 10.1% 6.375% −0.07 $7,390
5 CrossCountry Mortgage, Inc. 173 2.1% 0.7% 6.875% +0.52 $7,840
6 Pennymac Loan Services, LLC 160 1.9% 16.7% 6.624% +0.19 $7,050
7 The Loan Store, Inc. 158 1.9% 3.3% 6.490% +0.25 $5,770
8 Pulte Mortgage LLC 151 1.8% 14.2% 5.875% −0.53 $390
9 KBHS Home Loans, LLC 143 1.7% 14.4% 6.375% +0.05 $11,320
10 Rate 139 1.7% 5.8% 6.750% +0.32 $7,830
11 Kind Lending, LLC 126 1.5% 26.0% 6.750% +0.34 $7,470
12 Homeamerican Mortgage Corporation 122 1.5% 4.7% 5.125% −1.31 $3,160
13 U.S. Bank, N.A. 117 1.4% 6.5% 6.500% −0.02 $5,640
14 American Pacific Mortgage Corporation 113 1.4% 3.9% 6.625% +0.27 $7,530
15 Paramount Residential Mortgage Group, Inc. 111 1.3% 1.0% 6.500% +0.20 $8,730
16 Guild Mortgage Company 109 1.3% 0.9% 6.625% +0.18 $7,120
17 Freedom Mortgage Corporation 109 1.3% — — — —
18 Summit Funding, Inc. 107 1.3% 3.1% 6.625% +0.32 $11,200
19 JPMorgan Chase Bank, N.A. 101 1.2% 12.1% 6.500% −0.05 $4,800
20 DHI Mortgage Company, Ltd. 94 1.1% 8.7% 5.625% −0.81 $4,280
21 CMG Mortgage, Inc. 94 1.1% 3.2% 6.750% +0.10 $8,580
22 Sierra Pacific Mortgage Company, Inc. 90 1.1% 2.3% 6.500% +0.05 $10,610
23 Calcon Mutual Mortgage LLC 78 0.9% 22.3% — — —
24 Newrez LLC 77 0.9% 11.4% — — —
25 Taylor Morrison Home Funding, Inc. 77 0.9% 16.3% 6.625% +0.01 $4,710

Lenders in San Joaquin County, CA. Loans = home-purchase, refinance and cash-out originations (2025); share = share of those loans here; denial rate = home-purchase applications. *Medians for conventional home-purchase loans, shown with at least 20 loans; spread = APR minus the average prime offer rate at rate lock (percentage points); costs = total loan costs (section D).

Check a quote for San Joaquin County

Typical effective property-tax rate 0.75% = median real estate taxes ÷ median home value, U.S. Census Bureau ACS 2020–2024 5-year estimates.

Nearby counties

CountyDistancePurchase loansMedian loanBuyer incomeConforming limitFHA limit
Stanislaus County, CA30 mi3,399$425,000$123,000$832,750$545,100
Sacramento County, CA36 mi12,042$465,000$141,000$832,750$764,750
Contra Costa County, CA37 mi7,646$645,000$200,000$1,249,125$1,249,125
Alameda County, CA40 mi8,325$805,000$255,000$1,249,125$1,249,125
Calaveras County, CA43 mi412$365,000$129,000$832,750$541,287
Solano County, CA43 mi3,540$525,000$155,000$832,750$685,400

Frequently asked questions

What is the 2026 conforming loan limit in San Joaquin County?

$832,750 for a one-unit home (FHFA). Two- to four-unit limits are $1,066,250, $1,288,800, $1,601,750. Loans above the limit are jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac.

What is the 2026 FHA loan limit in San Joaquin County?

$678,500 for a one-unit home (HUD). San Joaquin County is an FHA high-cost area; HUD's median price used to set the limit is $589,000.

How much do home buyers in San Joaquin County earn?

The median household income reported on 2025 home-purchase mortgages was $148,000; the middle half of buyers reported $108,000 to $204,000.

What mortgage rate did buyers in San Joaquin County get in 2025?

The median rate on 30-year fixed conventional purchase loans was 6.50%; FHA borrowers paid a median 6.125%. These are rates locked during 2025; check today's rates with several lenders.

How often are mortgage applications denied in San Joaquin County?

9.4% of completed home-purchase applications were denied in 2025; the most common stated reason was debt-to-income ratio.

Sources: FFIEC/CFPB HMDA 2025 public loan/application register (Snapshot as of June 1, 2026); FHFA 2026 conforming loan limits; HUD 2026 FHA forward-mortgage limits; U.S. Census Bureau. Figures describe typical 2025 loans, not your offer. Methodology