Mortgage lending in Solano County
8,223 mortgages were originated in Solano 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
- 8,223
- Median rate
- 6.625%
- Median lender fees
- $7,065
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
- $395,000
- Above the going rate (spread over APOR)
- 0.331
- Paid discount points
- 41.8%
- Received lender credits
- 23.9%
- Purchases / refinances
- 50% / 31.7%
- Conventional / FHA / VA
- 74.9% / 14.2% / 10.8%
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
- $685,400
- Median home price
- $594,000
- That home, 20% down
- $475,200
A median-priced home with 20% down leaves $357,550 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 Solano County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 1,100 | $9,827 | 6.425% |
| Rocket Mortgage, LLC | 734 | $4,423 | 6.875% |
| Travis Credit Union | 342 | $515 | 7.240% |
| Loandepot.Com, LLC | 314 | $7,616 | 6.375% |
| Crosscountry Mortgage, Inc. | 281 | $8,827 | 6.625% |
| The Loan Store, Inc. | 185 | $6,842 | 6.750% |
| Pennymac Loan Services, LLC | 164 | $7,664 | 6.375% |
| Bank of America, National Association | 162 | — | 6.240% |
| Newrez LLC | 152 | $6,077 | 6.500% |
| Guild Mortgage Company | 151 | $10,244 | 6.625% |
What lenders charged here
Lender fees on a $395,000 loan, based on what was actually charged in Solano County — not a rule of thumb.
From 6,094 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