Mortgage lending in El Dorado County
4,769 mortgages were originated in El Dorado 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
- 4,769
- Median rate
- 6.749%
- Median lender fees
- $5,833
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
- $385,000
- Above the going rate (spread over APOR)
- 0.292
- Paid discount points
- 33.7%
- Received lender credits
- 26.9%
- Purchases / refinances
- 47.9% / 32.1%
- Conventional / FHA / VA
- 86.4% / 8.2% / 5.3%
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 70.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $764,750
- Median home price
- $665,000
- That home, 20% down
- $532,000
A median-priced home with 20% down leaves $300,750 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 El Dorado County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 711 | $7,154 | 6.500% |
| Rocket Mortgage, LLC | 425 | $4,385 | 6.625% |
| The Golden 1 | 202 | — | 7.813% |
| The Loan Store, Inc. | 151 | $7,033 | 6.625% |
| Guild Mortgage Company | 144 | $8,336 | 6.500% |
| U.S. Bank National Association | 133 | $5,034 | 7.000% |
| Schoolsfirst | 130 | — | 6.250% |
| Bank of America, National Association | 115 | — | 5.990% |
| Pennymac Loan Services, LLC | 109 | $6,086 | 6.500% |
| El Dorado Savings Bank, F.S.B. | 89 | — | — |
What lenders charged here
Lender fees on a $385,000 loan, based on what was actually charged in El Dorado County — not a rule of thumb.
From 3,345 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