Mortgage lending in Riverside County
48,863 mortgages were originated in Riverside 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
- 48,863
- Median rate
- 6.625%
- Median lender fees
- $8,087
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
- $405,000
- Above the going rate (spread over APOR)
- 0.331
- Paid discount points
- 39.1%
- Received lender credits
- 26%
- Purchases / refinances
- 48.5% / 33.5%
- Conventional / FHA / VA
- 72.3% / 17.8% / 9.8%
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 74.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $690,000
- Median home price
- $600,000
- That home, 20% down
- $480,000
A median-priced home with 20% down leaves $352,750 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 Riverside County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 5,976 | $11,025 | 6.375% |
| Rocket Mortgage, LLC | 3,844 | $5,701 | 6.750% |
| Schoolsfirst | 2,360 | — | 6.750% |
| Loandepot.Com, LLC | 1,342 | $8,290 | 6.537% |
| Ocmbc, Inc. | 1,109 | $15,402 | 6.750% |
| Navy Federal Credit Union | 1,096 | — | 8.250% |
| Pennymac Loan Services, LLC | 952 | $7,669 | 6.499% |
| The Loan Store, Inc. | 941 | $8,508 | 6.750% |
| U.S. Bank National Association | 914 | $3,954 | 7.550% |
| DHI Mortgage Company, Ltd. | 914 | $13,914 | 4.750% |
What lenders charged here
Lender fees on a $405,000 loan, based on what was actually charged in Riverside County — not a rule of thumb.
From 36,187 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