Mortgage lending in El Centro, CA

1,897 mortgages were originated in the El Centro, CA area in 2025, and here is what they cost.

Loans originated

1,897

Median rate

6.625%

Median lender fees

$9,108

Median loan amount

$275,000

Median spread over APOR

0.527

Paid discount points

46.8%

Received lender credits

32.3%

Purchases / refinances

50.8% / 33.5%

Conventional / FHA / VA

61% / 31.3% / 6.9%

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 77.8% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the El Centro, CA area, ranked by volume.