RATES · SAN DIEGO
San Diego California Mortgage Rates — Today's Home Mortgage Rates San Diego
San Diego California mortgage rates today: Today's San Diego mortgage rates average 6.55% for 30-year fixed conforming loans, 5.85% for 15-year fixed, 6.45% for FHA, 6.15% for VA, and 6.65% for jumbo loans above $1,104,000 — sample par pricing for well-qualified borrowers. San Diego rates have moved in a tight band this year, tracking the 10-year Treasury yield and mortgage-backed securities pricing day to day. Save Financial shops wholesale pricing across multiple lenders (Wells Fargo, Chase, Bank of America, US Bank) on conforming loans, and wholesale jumbo pricing on jumbo loans above San Diego County's $1,104,000 limit, because we originate through wholesale lender channels rather than carrying branch overhead. San Diego's rate picture has one especially favorable feature: its large VA-eligible population — anchored by Camp Pendleton, Coronado, and Miramar — means many local buyers qualify for VA pricing that typically runs below conventional. And San Diego's high-balance conforming program (loans up to $1,104,000 at conforming-tier pricing) keeps a wide slice of coastal and North County purchases out of true jumbo territory. Rates change daily; the figures above are indicative starting points, not a lock.
QUICK ANSWER
San Diego mortgage rates change daily and depend on your specific loan scenario — credit score, down payment, loan amount, property type, and occupancy all matter. The rates shown on our main California rates page are indicative starting points for well-qualified borrowers; your actual San Diego rate quote will reflect your file, and eligible veterans often see VA pricing below conventional. Save Financial uses wholesale pricing across our lender network and offers a written $500 best-price guarantee if a competing locked offer is lower.
Why San Diego is different
San Diego-specific rate factors:
San Diego County high-balance pricing: Because San Diego County is a designated FHFA high-cost area, loans from the standard conforming limit ($832,750) up to San Diego's high-cost limit ($1,104,000) qualify as 'high-balance conforming.' These loans price roughly 0.125%–0.250% above standard conforming but well below true jumbo — a real saving for buyers in the $830K–$1.07M range, which covers much of the North County and inland coastal inventory.
A VA-rate advantage few metros share: San Diego has one of the largest concentrations of active-duty service members and veterans in the country. VA loans typically price below conventional and carry no monthly mortgage insurance, so for eligible San Diego buyers the effective cost of financing is often lower than the headline conventional rate suggests. Save Financial underwrites VA files in-house and quotes them alongside conventional so you can compare.
San Diego jumbo environment: Coastal San Diego — La Jolla, Del Mar, Coronado, Rancho Santa Fe — pushes many purchases above $1,104,000 and into jumbo. Jumbo pricing varies widely by lender; depository banks offer relationship-based pricing to clients with large deposits, while wholesale lenders accessed through Save Financial frequently beat retail jumbo pricing for borrowers without a major banking relationship.
Updated daily: The rates shown on this page reflect rate-sheet pricing as of the most recent business morning. Lock pricing requires a completed application — rates may have moved by the time you lock, in either direction.
Get started with Save Financial
Save Financial is licensed in all 58 California counties (NMLS #377740, DRE #01875766) with deep specialization in the San Diego County market. We originate every loan type covered here through wholesale lender channels — which lets us shop pricing across many lenders rather than one bank's rate sheet.
To get a real San Diego-specific rate quote in 60 seconds (no SSN, no credit pull, no obligation), apply online or call 949-379-5320. You'll be connected with a California-licensed loan officer who knows the San Diego submarkets in detail.
For broader San Diego County information, see our San Diego overview page and San Diego County loan information. For statewide pricing and full rate tables, see our main California rates page.
— SAN DIEGO FAQ
San Diego mortgage rate questions, answered
What's special about San Diego mortgage rates?
San Diego-specific rate factors: high-balance pricing — because San Diego County is a designated FHFA high-cost area, loans from the standard conforming limit ($832,750) up to San Diego's high-cost limit ($1,104,000) qualify as high-balance conforming. These price slightly above standard conforming but well below true jumbo — a meaningful saving for buyers in the $830K–$1.07M range that fits much of the county's coastal and North County inventory. San Diego also has one of the state's largest VA-eligible populations, and VA rates typically run below conventional for qualified veterans.
How does Save Financial price San Diego loans vs. major banks?
Save Financial shops wholesale pricing across multiple lenders (Wells Fargo, Chase, Bank of America, US Bank) on conforming loans, and wholesale jumbo pricing on jumbo loans above San Diego County's $1,104,000 limit — because we originate through wholesale lender channels rather than carrying branch overhead.
What's San Diego County's 2026 conforming loan limit?
San Diego County's 2026 conforming and FHA high-cost loan limit is $1,104,000 for 1-unit properties. Loans up to that amount qualify for conforming (or high-balance conforming) pricing. Loans above $1,104,000 in San Diego are true jumbo loans and priced accordingly.
How fast can Save Financial close a San Diego mortgage?
Save Financial closes San Diego mortgages efficiently when documentation is complete. The fastest closes happen when borrowers have all documentation ready at application — pay stubs, W-2s/tax returns, bank statements, and ID, plus a Certificate of Eligibility for VA files.
Do you work with all 18 San Diego County cities?
Yes. Save Financial originates mortgages across all 18 incorporated cities in San Diego County — from Carlsbad, Encinitas, and Del Mar to Chula Vista, El Cajon, Oceanside, and National City — plus unincorporated county areas.
Why do San Diego rates change daily?
Mortgage rates track the 10-year Treasury yield and mortgage-backed securities pricing, both of which move every business day. The San Diego rates shown here are par-priced sample rates for well-qualified borrowers as of the most recent business morning; your locked rate depends on your credit score, down payment, loan amount, property type, and occupancy.