Mortgage lending in Yuba City, CA
3,389 mortgages were originated in the Yuba City, 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
- 3,389
- Median rate
- 6.500%
- Median lender fees
- $7,115
- Median loan amount
- $335,000
- Median spread over APOR
- 0.265
- Paid discount points
- 48.7%
- Received lender credits
- 25.2%
- Purchases / refinances
- 55.6% / 29.5%
- Conventional / FHA / VA
- 67.7% / 19.9% / 12.2%
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 77.4% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Yuba City, CA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 525 | $9,035 | 6.308% |
| Rocket Mortgage, LLC | 249 | $5,935 | 6.750% |
| LENNAR MORTGAGE, LLC | 175 | $6,126 | 4.933% |
| KIND LENDING, LLC | 131 | $9,070 | 6.375% |
| Peak Residential Lending Inc | 123 | $10,476 | 6.500% |
| SCHOOLSFIRST | 99 | — | 7.000% |
| THE GOLDEN 1 | 85 | — | 7.875% |
| SIERRA CENTRAL CREDIT UNION | 84 | — | 8.250% |
| THE LOAN STORE, INC. | 83 | $7,958 | 6.500% |
| GUILD MORTGAGE COMPANY | 69 | $7,662 | 6.625% |