Mortgage lending in Shasta County
3,591 mortgages were originated in Shasta 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
- 3,591
- Median rate
- 6.750%
- Median lender fees
- $6,893
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
- $255,000
- Above the going rate (spread over APOR)
- 0.520
- Paid discount points
- 42.9%
- Received lender credits
- 21.3%
- Purchases / refinances
- 52% / 27.2%
- Conventional / FHA / VA
- 71.9% / 18% / 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 69.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $350,000
- That home, 20% down
- $280,000
A median-priced home with 20% down leaves $552,750 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 Shasta County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 239 | $4,935 | 6.625% |
| United Shore Financial Services, LLC | 220 | $7,969 | 6.373% |
| Tri Counties Bank | 204 | — | 5.990% |
| Summit Funding, Inc. | 183 | $13,828 | 6.500% |
| American Pacific Mortgage Corporation | 180 | $8,975 | 6.875% |
| Infinity Equity Group, LLC. | 162 | $5,830 | 6.625% |
| Figure Lending LLC | 140 | — | 9.275% |
| Mortgageone, Inc. | 123 | $10,472 | 6.750% |
| Crosscountry Mortgage, Inc. | 115 | $8,141 | 6.575% |
| DHI Mortgage Company, Ltd. | 81 | $3,461 | 4.990% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Shasta County — not a rule of thumb.
From 2,489 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