Mortgage lending in Orange County
45,570 mortgages were originated in Orange 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
- 45,570
- Median rate
- 6.740%
- Median lender fees
- $7,032
- Median loan amount
- $515,000
- Median spread over APOR
- 0.227
- Paid discount points
- 19.3%
- Received lender credits
- 27%
- Purchases / refinances
- 35.6% / 41.7%
- Conventional / FHA / VA
- 94.7% / 3.5% / 1.8%
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 60.5% 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 Orange County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| SCHOOLSFIRST | 4,992 | — | 5.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3,821 | $8,599 | 6.500% |
| Rocket Mortgage, LLC | 3,235 | $5,514 | 6.750% |
| U.S. Bank National Association | 2,188 | $4,786 | 6.250% |
| Bank of America, National Association | 1,917 | $7,617 | 5.990% |
| JPMorgan Chase Bank, National Association | 1,113 | $4,129 | 6.125% |
| PENNYMAC LOAN SERVICES, LLC | 796 | $9,078 | 6.624% |
| ORANGE COUNTY'S CREDIT UNION | 743 | — | 7.625% |
| East West Bank | 704 | $6,144 | 6.500% |
| AMWEST FUNDING CORP. | 700 | — | 7.250% |
What lenders charged here
Lender fees on a $515,000 loan, based on what was actually charged in Orange County — not a rule of thumb.
From 27,554 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