Mortgage lending in Fresno, CA
17,504 mortgages were originated in the Fresno, CA area in 2025, and here is what they cost.
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
- 17,504
- Median rate
- 6.624%
- Median lender fees
- $8,095
- Median loan amount
- $305,000
- Median spread over APOR
- 0.319
- Paid discount points
- 45%
- Received lender credits
- 23%
- Purchases / refinances
- 54.5% / 28.3%
- Conventional / FHA / VA
- 73.3% / 20.4% / 6.1%
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 70.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Fresno, CA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,250 | $10,573 | 6.375% |
| Rocket Mortgage, LLC | 1,318 | $5,414 | 6.875% |
| ALAMEDA MORTGAGE CORPORATION | 1,036 | $10,870 | 6.500% |
| KIND LENDING, LLC | 1,002 | $11,658 | 6.375% |
| LENNAR MORTGAGE, LLC | 830 | $8,245 | 5.500% |
| EDUCATIONAL EMPLOYEES CREDIT UNION | 681 | $2,335 | 6.500% |
| GOLDEN EMPIRE MORTGAGE, INC. | 515 | $10,748 | 6.490% |
| PENNYMAC LOAN SERVICES, LLC | 459 | $6,445 | 6.499% |
| THE GOLDEN 1 | 422 | $4,053 | 7.875% |
| THE LOAN STORE, INC. | 331 | $7,560 | 6.625% |