Mortgage lending in Butte County
3,408 mortgages were originated in Butte County, California, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,408
- Median rate
- 6.625%
- Median lender fees
- $6,038
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $265,000
- Above the going rate (spread over APOR)
- 0.353
- Paid discount points
- 42.9%
- Received lender credits
- 24.5%
- Purchases / refinances
- 56% / 28.5%
- Conventional / FHA / VA
- 76.4% / 16% / 7.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 72.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $288,000
- That home, 20% down
- $230,400
A median-priced home with 20% down leaves $602,350 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Butte County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 412 | $6,780 | 6.397% |
| Rocket Mortgage, LLC | 217 | $4,783 | 6.750% |
| Newrez LLC | 194 | $5,576 | 6.750% |
| Tri Counties Bank | 193 | $3,457 | 6.125% |
| Mason Mcduffie Mortgage Corporation | 135 | $5,641 | 6.433% |
| Fairway Independent Mortgage Corporation | 121 | $8,269 | 6.625% |
| Kind Lending, LLC | 111 | $8,689 | 6.375% |
| Sierra Central Credit Union | 99 | — | 7.125% |
| Guaranteed Rate, Inc. | 85 | $7,841 | 6.475% |
| Commerce Home Mortgage, Inc. | 79 | $6,632 | 6.563% |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Butte County — not a rule of thumb.
From 2,460 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers