Mortgage lending in Fresno County
14,101 mortgages were originated in Fresno 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
- 14,101
- Median rate
- 6.625%
- Median lender fees
- $7,921
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
- $295,000
- Above the going rate (spread over APOR)
- 0.345
- Paid discount points
- 43.4%
- Received lender credits
- 22.6%
- Purchases / refinances
- 52.9% / 29%
- Conventional / FHA / VA
- 74.9% / 19.3% / 5.6%
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 69.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $430,000
- That home, 20% down
- $344,000
A median-priced home with 20% down leaves $488,750 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 Fresno County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 1,863 | $10,458 | 6.375% |
| Rocket Mortgage, LLC | 1,112 | $5,404 | 6.875% |
| Alameda Mortgage Corporation | 800 | $10,111 | 6.624% |
| Kind Lending, LLC | 753 | $11,362 | 6.438% |
| Educational Employees Credit Union | 616 | $2,365 | 6.500% |
| Lennar Mortgage, LLC | 490 | $8,294 | 5.750% |
| Golden Empire Mortgage, Inc. | 386 | $11,205 | 6.375% |
| Pennymac Loan Services, LLC | 382 | $6,932 | 6.499% |
| The Golden 1 | 317 | $4,179 | 7.875% |
| The Loan Store, Inc. | 282 | $7,338 | 6.625% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Fresno County — not a rule of thumb.
From 9,784 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