Mortgage lending in Mendocino County
942 mortgages were originated in Mendocino 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
- 942
- Median rate
- 6.875%
- Median lender fees
- $6,549
- Median loan amount
- $325,000
- Median spread over APOR
- 0.485
- Paid discount points
- 42.6%
- Received lender credits
- 26.5%
- Purchases / refinances
- 51.3% / 31.7%
- Conventional / FHA / VA
- 82% / 13.4% / 4.5%
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 75.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $546,250
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Mendocino County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| REDWOOD | 134 | $765 | 7.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 113 | $10,713 | 6.399% |
| Rocket Mortgage, LLC | 69 | $5,134 | 6.990% |
What lenders charged here
Lender fees on a $325,000 loan, based on what was actually charged in Mendocino County — not a rule of thumb.
From 709 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