Mortgage lending in Yuba County
2,026 mortgages were originated in Yuba 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
- 2,026
- Median rate
- 6.250%
- Median lender fees
- $7,909
- Median loan amount
- $365,000
- Median spread over APOR
- 0.141
- Paid discount points
- 51.8%
- Received lender credits
- 26.9%
- Purchases / refinances
- 62.1% / 26.1%
- Conventional / FHA / VA
- 61.2% / 23.3% / 15.3%
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 80.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Yuba County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 291 | $9,901 | 6.125% |
| LENNAR MORTGAGE, LLC | 174 | $6,104 | 4.990% |
| Rocket Mortgage, LLC | 148 | $6,768 | 6.625% |
| KIND LENDING, LLC | 84 | $10,962 | 6.375% |
| HOMEAMERICAN MORTGAGE CORPORATION | 66 | $8,244 | 4.999% |
What lenders charged here
Lender fees on a $365,000 loan, based on what was actually charged in Yuba County — not a rule of thumb.
From 1,637 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