The Mortgage Market Is Moving More Loans Than Ever — What That Means for Buyers

Mortgage sales activity surged in 2025, signaling a more active lending market that could offer California buyers more competitive loan options.

The mortgage industry saw a major uptick in loan sales activity in 2025, with hundreds of billions of dollars in mortgages moving through the secondary market. Total sales of mortgages to outside investors came in nearly 20% higher than the prior year — a clear signal that lenders are actively moving product and capital is flowing through the system.

What does this mean for you as a borrower? When lenders are actively selling loans and the secondary market is healthy, it generally translates to more competitive pricing and a wider range of loan products available to buyers. Lenders have more flexibility, which can work in your favor — especially in a high-cost market like California where every fraction of a percentage point on your rate matters.

This kind of market activity also tells us that investor appetite for mortgages remains strong. That's a positive sign for loan availability, even as interest rates continue to fluctuate.

Whether you're a first-time buyer, move-up buyer, or real estate investor, understanding the broader lending landscape helps you make smarter decisions.

Ready to explore your mortgage options? Check out our current rates or reach out to our team — we'll help you find the right loan for your situation.