Mortgage lending in Riverside-San Bernardino-Ontario, CA
84,612 mortgages were originated in the Riverside-San Bernardino-Ontario, 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
- 84,612
- Median rate
- 6.625%
- Median lender fees
- $8,227
- Median loan amount
- $375,000
- Median spread over APOR
- 0.370
- Paid discount points
- 38.6%
- Received lender credits
- 25.9%
- Purchases / refinances
- 48.3% / 33.7%
- Conventional / FHA / VA
- 72.9% / 18.7% / 8.3%
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 73.1% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Riverside-San Bernardino-Ontario, CA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 10,102 | $11,379 | 6.375% |
| Rocket Mortgage, LLC | 6,646 | $5,818 | 6.750% |
| SCHOOLSFIRST | 4,085 | — | 6.750% |
| OCMBC, INC. | 2,301 | $15,196 | 6.625% |
| Loandepot.Com, LLC | 2,208 | $7,649 | 6.575% |
| LENNAR MORTGAGE, LLC | 1,593 | $9,545 | 4.625% |
| U.S. Bank National Association | 1,587 | $3,872 | 7.650% |
| PENNYMAC LOAN SERVICES, LLC | 1,586 | $7,400 | 6.624% |
| Navy Federal Credit Union | 1,529 | — | 8.250% |
| THE LOAN STORE, INC. | 1,432 | $8,389 | 6.875% |