Mortgage lending in Los Angeles County
106,668 mortgages were originated in Los Angeles County, California, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 106,668
- Median rate
- 6.750%
- Median lender fees
- $8,477
- Median loan amount
- $515,000
- Median spread over APOR
- 0.384
- Paid discount points
- 25%
- Received lender credits
- 26.6%
- Purchases / refinances
- 39.8% / 39.8%
- Conventional / FHA / VA
- 89.4% / 8.4% / 2.2%
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 62.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,249,125
- FHA limit
- $1,249,125
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. How limits work
Who lent here
Lenders with at least 50 loans in Los Angeles County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 8,176 | $11,271 | 6.500% |
| Rocket Mortgage, LLC | 7,659 | $6,462 | 6.750% |
| JPMorgan Chase Bank, National Association | 4,067 | $4,813 | 6.090% |
| Bank of America, National Association | 3,603 | $7,949 | 5.990% |
| SCHOOLSFIRST | 2,959 | — | 6.375% |
| U.S. Bank National Association | 2,874 | $4,959 | 6.625% |
| OCMBC, INC. | 2,632 | $16,748 | 6.875% |
| LOGIX FEDERAL CREDIT UNION | 2,212 | — | 6.490% |
| PENNYMAC LOAN SERVICES, LLC | 1,760 | $9,238 | 6.624% |
| CAKE MORTGAGE CORP. | 1,706 | $15,651 | 7.625% |
What lenders charged here
Lender fees on a $515,000 loan, based on what was actually charged in Los Angeles County — not a rule of thumb.
From 66,645 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers