Mortgage lending in Yolo County
2,818 mortgages were originated in Yolo 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
- 2,818
- Median rate
- 6.625%
- Median lender fees
- $5,803
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
- $385,000
- Above the going rate (spread over APOR)
- 0.265
- Paid discount points
- 37.6%
- Received lender credits
- 28.5%
- Purchases / refinances
- 49.4% / 31.9%
- Conventional / FHA / VA
- 85.9% / 9.1% / 4.8%
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 69.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $764,750
- Median home price
- $665,000
- That home, 20% down
- $532,000
A median-priced home with 20% down leaves $300,750 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 Yolo County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 414 | $8,123 | 6.498% |
| Rocket Mortgage, LLC | 217 | $4,540 | 6.625% |
| The Golden 1 | 186 | — | 7.750% |
| Guild Mortgage Company | 112 | $6,928 | 6.625% |
| The Loan Store, Inc. | 76 | $5,185 | 6.490% |
| Primelending, A Plainscapital Company | 70 | $6,158 | 6.625% |
| U.S. Bank National Association | 61 | — | 6.875% |
| Loandepot.Com, LLC | 58 | $5,048 | 6.313% |
| Kind Lending, LLC | 57 | $8,294 | — |
| Bank of America, National Association | 53 | — | 6.240% |
What lenders charged here
Lender fees on a $385,000 loan, based on what was actually charged in Yolo County — not a rule of thumb.
From 1,965 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