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Updated: December 2, 2024
2025 Mortgage Loan Limits: San Bernardino County, California
Property Type
2025 Loan Limit
1-Unit Homes
$806,500
2-Unit Homes
$1,032,650
3-Unit Homes
$1,248,150
4-Unit Homes
$1,551,250
Source: Federal Housing Finance Agency; Federal Housing Administration
San Bernardino County, California, mortgage loan limits apply in:
San Bernardino County 2025 mortgage loan limits include the following cities: Adelanto, Apple Valley, Baker, Barstow, Big Bear City, Big Bear Lake, Big River, Bloomington, Bluewater, Chino, Chino Hills, Colton, Crestline, Fontana, Fort Irwin, Grand Terrace, Hesperia, Highland, Homestead Valley, Joshua Tree, Lake Arrowhead, Lenwood, Loma Linda, Lucerne Valley, Lytle Creek, Mentone, Montclair, Morongo Valley, Mountain View Acres, Muscoy, Needles, Oak Glen, Oak Hills, Ontario, Phelan, Piñon Hills, Rancho Cucamonga, Redlands, Rialto, Running Springs, San Antonio Heights, San Bernardino, Searles Valley, Silver Lakes, Spring Valley Lake, Twentynine Palms, Upland, Victorville, Wrightwood, Yermo, Yucaipa, Yucca Valley
Historical Charts: Mortgage Loan Limits in San Bernardino County, California
Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in San Bernardino County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.
Mortgage Statistics from San Bernardino County, California
Mortgage statistics for San Bernardino County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.
Mortgages
Total
Purchase Mortgages (2018-2023)
116984
Loan Type
Relative Share
Conventional
66.18%
FHA
26.22%
VA
7.01%
USDA
0.59%
Property Type
Relative Share
1-Unit Homes
98.90%
2-Unit Homes
0.66%
3-Unit Homes
0.21%
4-Unit Homes
0.23%
Borrower Status
Relative Share
One Applicant
52.93%
Two or More Applicants
47.07%
Gender
Relative Share
Male
35.09%
Female
21.68%
Joint Sex
38.44%
Not Available
4.79%
Race
Relative Share
American Indian / Alaska Native
0.70%
Asian
13.29%
Black / African American
4.93%
Native Hawaiian / Other Pacific Islander
0.28%
White
59.14%
Mixed Race
2.91%
Other Race
18.73%
Ethnicity
Relative Share
Hispanic or Latino
36.35%
Not Hispanic or Latino
43.98%
Joint Ethnicity
4.59%
Other Ethnicity
15.09%
San Bernardino County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act
Mortgage Loan Limits Near San Bernardino County, California
Get 2025 conforming and FHA mortgage loan limits for the areas surrounding San Bernardino County, California. Local loan limits and county-level mortgage data updated regularly.
