Mortgage lending in Visalia, CA

6,843 mortgages were originated in the Visalia, CA area in 2025, and here is what they cost.

Loans originated

6,843

Median rate

6.500%

Median lender fees

$9,323

The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.

Median loan amount

$295,000

Above the going rate (spread over APOR)

0.353

Paid discount points

47.9%

Received lender credits

23.8%

Purchases / refinances

56.2% / 29.1%

Conventional / FHA / VA

63.8% / 29.4% / 6.7%

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 72.1% of loans here — see methodology.

Who lent here

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