Mortgage lending in Modesto, CA
7,867 mortgages were originated in the Modesto, 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
- 7,867
- Median rate
- 6.625%
- Median lender fees
- $7,851
- Median loan amount
- $335,000
- Median spread over APOR
- 0.418
- Paid discount points
- 46.5%
- Received lender credits
- 22.7%
- Purchases / refinances
- 51.8% / 30.6%
- Conventional / FHA / VA
- 73.2% / 21.4% / 5.4%
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 73.1% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Modesto, CA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 931 | $10,665 | 6.260% |
| Rocket Mortgage, LLC | 746 | $4,441 | 6.875% |
| CROSSCOUNTRY MORTGAGE, INC. | 319 | $9,517 | 6.750% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 208 | $9,700 | 6.500% |
| KIND LENDING, LLC | 205 | $8,927 | 6.500% |
| GUARANTEED RATE, INC. | 198 | $9,821 | 6.575% |
| SCENIC OAKS FUNDING, LLC | 196 | $10,093 | 6.500% |
| GUILD MORTGAGE COMPANY | 185 | $8,815 | 6.500% |
| THE GOLDEN 1 | 177 | — | 7.875% |
| Loandepot.Com, LLC | 174 | $5,044 | 6.990% |