Mortgage lending in Mono County
468 mortgages were originated in Mono 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
- 468
- Median rate
- 6.875%
- Median lender fees
- $6,740
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
- $465,000
- Above the going rate (spread over APOR)
- 0.473
- Paid discount points
- 25.6%
- Received lender credits
- 34.2%
- Purchases / refinances
- 59.4% / 31.2%
- Conventional / FHA / VA
- 95.7% / 2.1% / 2.1%
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 63% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $776,250
- Median home price
- $670,000
- That home, 20% down
- $536,000
A median-priced home with 20% down leaves $296,750 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 Mono County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Crosscountry Mortgage, Inc. | 115 | $6,611 | 7.000% |
| American Pacific Mortgage Corporation | 64 | $7,323 | 6.750% |
What lenders charged here
Lender fees on a $465,000 loan, based on what was actually charged in Mono County — not a rule of thumb.
From 295 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