Mortgage lending in Salinas, CA

4,435 mortgages were originated in the Salinas, CA area in 2025, and here is what they cost.

Loans originated

4,435

Median rate

6.750%

Median lender fees

$6,898

Median loan amount

$475,000

Median spread over APOR

0.356

Paid discount points

37.2%

Received lender credits

24.6%

Purchases / refinances

40.9% / 40.2%

Conventional / FHA / VA

85.1% / 10.6% / 4.1%

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 67.4% of loans here — see methodology.

Who lent here

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