Mortgage lending in Imperial County
1,897 mortgages were originated in Imperial 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
- 1,897
- Median rate
- 6.625%
- Median lender fees
- $9,108
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
- $275,000
- Above the going rate (spread over APOR)
- 0.527
- Paid discount points
- 46.8%
- Received lender credits
- 32.3%
- Purchases / refinances
- 50.8% / 33.5%
- Conventional / FHA / VA
- 61% / 31.3% / 6.9%
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 77.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $355,000
- That home, 20% down
- $284,000
A median-priced home with 20% down leaves $548,750 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 Imperial County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 233 | $10,710 | 6.375% |
| Primelending, A Plainscapital Company | 146 | $11,385 | 6.375% |
| Efinity Financial Inc. | 142 | $11,996 | 6.750% |
| Rocket Mortgage, LLC | 127 | $5,863 | 6.750% |
| Sun Community Federal Credit Union | 77 | — | 8.000% |
| Pennymac Loan Services, LLC | 74 | $11,089 | 6.499% |
| Everett Financial, Inc. | 65 | $8,105 | — |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Imperial County — not a rule of thumb.
From 1,476 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