FRESNO Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Fresno averaged
6.73%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.96% and
one month ago for the week of 2025-05-15, the
average rate was 7.03%.
Fresno's average rate one year ago was 6.97%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.87%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Fresno 30 Year Fixed Rate | 2025-06-18 | 6.73% |
| Fresno 30 Year Fixed Rate Refi | 2025-06-18 | 6.87% |
| Fresno 15 Year Fixed Rate | 2025-06-18 | 5.75% |
| Fresno 15 Year Fixed Rate Refi | 2025-06-18 | 6.06% |
| Fresno 30 Year FHA | 2025-06-18 | -0.44% |
| Fresno 30 Year FHA Refi | 2025-06-18 | -0.33% |
| Fresno 30 Year USDA | 2025-06-18 | 0.2% |
| Fresno 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Fresno 30 Year VA | 2025-06-18 | -0.06% |
| Fresno 30 Year VA Refi | 2025-06-18 | -0.82% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within FRESNO, CA.
FRESNO Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the FRESNO, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
FRESNO Average Closing Costs & Other Stats
FRESNO, CA's 212 lenders originated 12,886
loans during 2024. The total origination value was $4,012,740,000, with an average loan value of
$311,403.
FRESNO's average closing costs are $6,566.
The top FRESNO lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
777 loans originated. Their average total fees are
$9,514, which is $1,293
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee FRESNO lenders (with over 10 loans originated) are
Educational Employees Credit Union ($2,564), DHI MORTGAGE COMPANY, LTD. ($3,742), Morgan Stanley Private Bank ($3,845), THE GOLDEN 1 ($4,319) and NAVY FEDERAL CREDIT UNION ($4,433).
The lowest rate FRESNO lenders (with over 10 loans originated) are
INSPIRE HOME LOANS INC. (5.65%), DHI MORTGAGE COMPANY, LTD. (5.70%), K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. (5.71%), Educational Employees Credit Union (5.97%) and EAGLE HOME MORTGAGE, LLC (6.06%).
FRESNO, CA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $599,300,000 | $588,635,000 | -1.8% | 14.7% |
| QUICKEN LOANS, LLC | $232,535,000 | $269,705,000 | 16.0% | 6.7% |
| EAGLE HOME MORTGAGE, LLC | $193,845,000 | $249,290,000 | 28.6% | 6.2% |
| ALAMEDA MORTGAGE CORPORATION | $228,155,000 | $234,595,000 | 2.8% | 5.8% |
| Century Mortgage Company DBA Century Lending Company | $137,325,000 | $234,165,000 | 70.5% | 5.8% |
| Golden Empire Mortgage, Inc. | $9,365,000 | $106,765,000 | 1,040.0% | 2.7% |
| KBHS HOME LOANS, LLC | $26,805,000 | $93,310,000 | 248.1% | 2.3% |
| Educational Employees Credit Union | $102,160,000 | $90,030,000 | -11.9% | 2.2% |
| CMG MORTGAGE, INC. | $56,155,000 | $74,885,000 | 33.4% | 1.9% |
| PENNYMAC LOAN SERVICES, LLC | $55,895,000 | $70,860,000 | 26.8% | 1.8% |
| JPMorgan Chase Bank | $60,730,000 | $70,135,000 | 15.5% | 1.7% |
| Sierra Pacific Mortgage Company, Inc. | $51,665,000 | $65,725,000 | 27.2% | 1.6% |
| GREYSTONE SERVICING COMPANY LLC | $59,135,000 | n/a | 1.5% | |
| U.S. Bank | $43,300,000 | $47,210,000 | 9.0% | 1.2% |
| Paramount Residential Mortgage Group, Inc. | $24,500,000 | $44,140,000 | 80.2% | 1.1% |
| LENDINGHOME FUNDING CORPORATION | $18,715,000 | $38,880,000 | 107.7% | 1.0% |
| The Loan Store, Inc. | $15,185,000 | $38,510,000 | 153.6% | 1.0% |
| Noble Federal Credit Union | $29,945,000 | $38,090,000 | 27.2% | 0.9% |
| INSPIRE HOME LOANS INC. | $55,465,000 | $37,945,000 | -31.6% | 0.9% |
| PNC Bank | $11,190,000 | $36,680,000 | 227.8% | 0.9% |
| Bank of America | $43,100,000 | $35,205,000 | -18.3% | 0.9% |
| Mechanics Bank | $7,135,000 | $34,745,000 | 387.0% | 0.9% |
| THE GOLDEN 1 | $33,030,000 | $34,025,000 | 3.0% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $14,990,000 | $30,565,000 | 103.9% | 0.8% |
| Mortgage Research Center, LLC | $18,810,000 | $30,315,000 | 61.2% | 0.8% |
| LOANDEPOT.COM, LLC | $27,745,000 | $30,120,000 | 8.6% | 0.8% |
| GUILD MORTGAGE COMPANY | $16,930,000 | $25,305,000 | 49.5% | 0.6% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $38,275,000 | $25,285,000 | -33.9% | 0.6% |
| NEWREZ LLC | $6,090,000 | $24,730,000 | 306.1% | 0.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $21,150,000 | $24,630,000 | 16.5% | 0.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $39,510,000 | $24,305,000 | -38.5% | 0.6% |
| Flagstar Bank, FSB | $30,405,000 | $23,550,000 | -22.5% | 0.6% |
| Prudential Huntoon Paige Associates, LLC | $23,135,000 | n/a | 0.6% | |
| JONES LANG LASALLE MULTIFAMILY, LLC | $22,895,000 | n/a | 0.6% | |
| FIRST COMMUNITY MORTGAGE, INC. | $6,805,000 | $22,420,000 | 229.5% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $18,860,000 | $22,385,000 | 18.7% | 0.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $14,710,000 | $22,150,000 | 50.6% | 0.6% |
| PLAZA HOME MORTGAGE, INC. | $27,985,000 | $21,755,000 | -22.3% | 0.5% |
| JMAC LENDING, INC. | $7,635,000 | $20,560,000 | 169.3% | 0.5% |
| Wells Fargo Bank | $37,470,000 | $20,430,000 | -45.5% | 0.5% |
| CLM MORTGAGE, INC | $20,120,000 | n/a | 0.5% | |
| Mr. Cooper ( Nationstar Mortgage ) | $19,280,000 | $18,270,000 | -5.2% | 0.5% |
| Zions Bank | $11,305,000 | $18,200,000 | 61.0% | 0.5% |
| BMO Harris Bank | $18,570,000 | $18,195,000 | -2.0% | 0.5% |
| BAY EQUITY LLC | $9,225,000 | $17,585,000 | 90.6% | 0.4% |
| Commerce Home Mortgage, Inc. | $18,910,000 | $17,270,000 | -8.7% | 0.4% |
| Barings Multifamily Capital | $17,235,000 | n/a | 0.4% | |
| DHI MORTGAGE COMPANY, LTD. | $8,515,000 | $17,095,000 | 100.8% | 0.4% |
| BROKER SOLUTIONS, INC. | $10,750,000 | $16,485,000 | 53.3% | 0.4% |
| GUARANTEED RATE, INC. | $13,450,000 | $16,210,000 | 20.5% | 0.4% |
| BAY-VALLEY MORTGAGE GROUP | $10,690,000 | $15,120,000 | 41.4% | 0.4% |
| MID-VALLEY SERVICES, INC. | $11,550,000 | $15,075,000 | 30.5% | 0.4% |
| NORWICH COMMERCIAL GROUP, INC. | $935,000 | $14,455,000 | 1,446.0% | 0.4% |
| OCMBC, INC. | $12,920,000 | $14,240,000 | 10.2% | 0.4% |
| Equity Prime Mortgage LLC | $5,855,000 | $14,140,000 | 141.5% | 0.4% |
| Figure Lending LLC | $6,695,000 | $13,875,000 | 107.2% | 0.3% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $14,130,000 | $13,580,000 | -3.9% | 0.3% |
| SUN WEST MORTGAGE COMPANY, INC. | $10,025,000 | $13,480,000 | 34.5% | 0.3% |
| HOMEXPRESS MORTGAGE CORP. | $5,850,000 | $13,300,000 | 127.4% | 0.3% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | $15,110,000 | $13,075,000 | -13.5% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $12,465,000 | $12,640,000 | 1.4% | 0.3% |
| NEXERA HOLDING LLC | $8,950,000 | $12,265,000 | 37.0% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $12,310,000 | $12,095,000 | -1.7% | 0.3% |
| CBRE MULTIFAMILY CAPITAL, INC. | $12,005,000 | n/a | 0.3% | |
| Self-Help Federal Credit Union | $4,005,000 | $11,470,000 | 186.4% | 0.3% |
| AMWEST FUNDING CORP. | $12,515,000 | $11,010,000 | -12.0% | 0.3% |
| PACIFIC SERVICE | $7,870,000 | $10,765,000 | 36.8% | 0.3% |
| Luxury Mortgage Corp. | $2,055,000 | $10,755,000 | 423.4% | 0.3% |
| Citizens Business Bank | $9,010,000 | $10,555,000 | 17.1% | 0.3% |
| PLANET HOME LENDING, LLC | $5,675,000 | $10,405,000 | 83.3% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $1,760,000 | $10,340,000 | 487.5% | 0.3% |
| ALTITUDE FINANCIAL CORPORATION | $7,620,000 | $9,670,000 | 26.9% | 0.2% |
| NMSI, INC. | $2,625,000 | $9,495,000 | 261.7% | 0.2% |
| Discover Bank | $8,680,000 | $8,250,000 | -5.0% | 0.2% |
| Northpointe Bank | $6,165,000 | $8,060,000 | 30.7% | 0.2% |
| Performance Financial, Inc. | $1,235,000 | $7,850,000 | 535.6% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $7,995,000 | $7,820,000 | -2.2% | 0.2% |
| Carrington Mortgage Services, LLC | $6,400,000 | $7,445,000 | 16.3% | 0.2% |
| ORIX REAL ESTATE CAPITAL, LLC | $4,355,000 | $7,225,000 | 65.9% | 0.2% |
| Morgan Stanley Private Bank | $4,275,000 | $7,115,000 | 66.4% | 0.2% |
| ARC HOME LLC | $2,125,000 | $7,110,000 | 234.6% | 0.2% |
| Tri Counties Bank | $5,450,000 | $7,050,000 | 29.4% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $4,230,000 | $6,965,000 | 64.7% | 0.2% |
| MORIA DEVELOPMENT, INC. | $6,780,000 | n/a | 0.2% | |
| First Bank | $135,000 | $6,760,000 | 4,907.4% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $4,640,000 | $6,595,000 | 42.1% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $6,700,000 | $6,475,000 | -3.4% | 0.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $3,740,000 | $6,360,000 | 70.1% | 0.2% |
| Coastal Community Bank | $3,740,000 | $6,305,000 | 68.6% | 0.2% |
| Citibank | $5,030,000 | $6,285,000 | 25.0% | 0.2% |
| Hometown Equity Mortgage, LLC | $2,155,000 | $6,070,000 | 181.7% | 0.2% |
| The Federal Savings Bank | $4,675,000 | $6,065,000 | 29.7% | 0.2% |
| Cornerstone First Mortgage, Inc | $1,520,000 | $5,790,000 | 280.9% | 0.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $2,630,000 | $5,790,000 | 120.2% | 0.1% |
| LOANPAL, LLC | $6,280,000 | $5,725,000 | -8.8% | 0.1% |
| Lakeview Community Capital, LLC | $3,890,000 | $5,585,000 | 43.6% | 0.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $11,725,000 | $5,385,000 | -54.1% | 0.1% |
| Citadel Servicing Corporation | $4,550,000 | $5,320,000 | 16.9% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $5,745,000 | $5,275,000 | -8.2% | 0.1% |
| AHL FUNDING | $620,000 | $5,055,000 | 715.3% | 0.1% |
| Arbor Realty Trust, Inc. | $4,900,000 | n/a | 0.1% | |
| CITYWIDE HOME LOANS, LLC | $15,345,000 | $4,840,000 | -68.5% | 0.1% |
| SUMMIT FUNDING, INC. | $4,635,000 | $4,730,000 | 2.0% | 0.1% |
| USAA Federal Savings Bank | $2,690,000 | $4,730,000 | 75.8% | 0.1% |
| ZILLOW HOME LOANS, LLC | $2,185,000 | $4,700,000 | 115.1% | 0.1% |
| PHH Mortgage Corporation | $1,535,000 | $4,625,000 | 201.3% | 0.1% |
| Home Mortgage Alliance Corp | $4,540,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $6,700,000 | $4,535,000 | -32.3% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $5,420,000 | $4,515,000 | -16.7% | 0.1% |
| Regions Bank | $4,485,000 | n/a | 0.1% | |
| PANORAMA MORTGAGE GROUP, LLC | $2,515,000 | $4,115,000 | 63.6% | 0.1% |
| SPRING EQ, LLC | $2,610,000 | $4,090,000 | 56.7% | 0.1% |
| First-Citizens Bank & Trust Company | $4,045,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $14,960,000 | $3,890,000 | -74.0% | 0.1% |
| First National Bank of America | $1,740,000 | $3,890,000 | 123.6% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $2,575,000 | $3,780,000 | 46.8% | 0.1% |
| NexBank | $3,890,000 | $3,755,000 | -3.5% | 0.1% |
| NP, Inc. | $3,510,000 | $3,515,000 | 0.1% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $915,000 | $3,435,000 | 275.4% | 0.1% |
| OAKTREE FUNDING CORP. | $820,000 | $3,300,000 | 302.4% | 0.1% |
| AMERITRUST MORTGAGE CORPORATION | $2,185,000 | $3,270,000 | 49.7% | 0.1% |
| RF Renovo Management Company, LLC | $3,240,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $2,275,000 | $3,135,000 | 37.8% | 0.1% |
| ALLIANT CREDIT UNION | $2,985,000 | $3,125,000 | 4.7% | 0.1% |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $3,110,000 | n/a | 0.1% | |
| GOOGAIN, INC. | $635,000 | $3,015,000 | 374.8% | 0.1% |
| Pacific Lending LLC | $2,920,000 | n/a | 0.1% | |
| LANTZMAN MANAGEMENT, INC. | $1,580,000 | $2,900,000 | 83.5% | 0.1% |
| QUORUM FEDERAL CREDIT UNION | $615,000 | $2,810,000 | 356.9% | 0.1% |
| NBKC BANK | $3,070,000 | $2,760,000 | -10.1% | 0.1% |
| FBC MORTGAGE, LLC | $7,335,000 | $2,750,000 | -62.5% | 0.1% |
| A&D Mortgage LLC | $4,000,000 | $2,645,000 | -33.9% | 0.1% |
| Waterstone Mortgage Corporation | $2,695,000 | $2,645,000 | -1.9% | 0.1% |
| 21ST MORTGAGE CORPORATION | $5,250,000 | $2,615,000 | -50.2% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,600,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $825,000 | $2,485,000 | 201.2% | 0.1% |
| MLD MORTGAGE INC. | $1,210,000 | $2,470,000 | 104.1% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $625,000 | $2,455,000 | 292.8% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $2,435,000 | n/a | 0.1% | |
| NEW WAVE LENDING GROUP INC | $2,880,000 | $2,420,000 | -16.0% | 0.1% |
| Greenbox Loans, Inc. | $3,210,000 | $2,350,000 | -26.8% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $2,250,000 | $2,320,000 | 3.1% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $2,815,000 | $2,245,000 | -20.2% | 0.1% |
| UNION HOME MORTGAGE CORP. | $2,935,000 | $2,200,000 | -25.0% | 0.1% |
| V.I.P. MORTGAGE, INC. | $2,190,000 | n/a | 0.1% | |
| Northwest Farm Credit Services, FLCA | $125,000 | $2,185,000 | 1,648.0% | 0.1% |
| Plains Commerce Bank | $3,710,000 | $2,180,000 | -41.2% | 0.1% |
| DAS Acquisition Company, LLC | $125,000 | $2,155,000 | 1,624.0% | 0.1% |
| NEW DAY FINANCIAL, LLC | $2,900,000 | $2,155,000 | -25.7% | 0.1% |
| S1L, Inc. | $2,610,000 | $2,140,000 | -18.0% | 0.1% |
| CASTLE & COOKE MORTGAGE, LLC | $3,910,000 | $2,120,000 | -45.8% | 0.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $605,000 | $2,095,000 | 246.3% | 0.1% |
| COASTAL FUNDING SLC, INC. | $685,000 | $2,090,000 | 205.1% | 0.1% |
| BETTER MORTGAGE CORPORATION | $3,170,000 | $1,955,000 | -38.3% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $1,575,000 | $1,930,000 | 22.5% | 0.0% |
| RESIDENTIAL BANCORP | $4,930,000 | $1,810,000 | -63.3% | 0.0% |
| MK LENDING CORP. | $1,105,000 | $1,735,000 | 57.0% | 0.0% |
| North American Savings Bank, F.S.B. | $670,000 | $1,720,000 | 156.7% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $810,000 | $1,705,000 | 110.5% | 0.0% |
| Magnolia Bank | $700,000 | $1,705,000 | 143.6% | 0.0% |
| MOVEMENT MORTGAGE, LLC | $2,925,000 | $1,705,000 | -41.7% | 0.0% |
| GTE Federal Credit Union | $360,000 | $1,675,000 | 365.3% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $1,445,000 | $1,670,000 | 15.6% | 0.0% |
| Toyota Financial Savings Bank | $1,630,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $2,235,000 | $1,580,000 | -29.3% | 0.0% |
| CLEARPATH LENDING | $825,000 | $1,580,000 | 91.5% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $1,585,000 | $1,575,000 | -0.6% | 0.0% |
| First Federal Bank | $1,555,000 | n/a | 0.0% | |
| San Joaquin Power Employees Credit Union | $1,855,000 | $1,550,000 | -16.4% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $675,000 | $1,525,000 | 125.9% | 0.0% |
| AUGUSTA FINANCIAL, INC. | $355,000 | $1,505,000 | 323.9% | 0.0% |
| UNITED LOCAL CREDIT UNION | $155,000 | $1,500,000 | 867.7% | 0.0% |
| Logan Finance Corporation | $2,475,000 | $1,450,000 | -41.4% | 0.0% |
| SCHOOLSFIRST | $2,720,000 | $1,445,000 | -46.9% | 0.0% |
| General Mortgage Capital Corporation | $620,000 | $1,405,000 | 126.6% | 0.0% |
| Pacific Premier Bank | $37,285,000 | $1,355,000 | -96.4% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $2,155,000 | $1,350,000 | -37.4% | 0.0% |
| MORTGAGEONE, INC. | $495,000 | $1,340,000 | 170.7% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $1,545,000 | $1,330,000 | -13.9% | 0.0% |
| Libertyville Bank & Trust | $1,330,000 | n/a | 0.0% | |
| HomeStreet Bank | $1,310,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $2,475,000 | $1,295,000 | -47.7% | 0.0% |
| Raymond James Bank | $1,295,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $785,000 | $1,275,000 | 62.4% | 0.0% |
| The Huntington National Bank | $455,000 | $1,275,000 | 180.2% | 0.0% |
| Arvest Bank | $420,000 | $1,270,000 | 202.4% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $6,055,000 | $1,270,000 | -79.0% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $2,235,000 | $1,260,000 | -43.6% | 0.0% |
| Ally Bank | $36,265,000 | $1,255,000 | -96.5% | 0.0% |
| Lake Forest Bank & Trust | $1,215,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $840,000 | $1,200,000 | 42.9% | 0.0% |
| Texana Bank | $1,185,000 | n/a | 0.0% | |
| Franklin Loan Corporation | $1,000,000 | $1,150,000 | 15.0% | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | $1,610,000 | $1,150,000 | -28.6% | 0.0% |
| Nations Lending Corporation | $1,055,000 | $1,145,000 | 8.5% | 0.0% |
| OPEN MORTGAGE, LLC | $1,420,000 | $1,135,000 | -20.1% | 0.0% |
| CANOPY MORTGAGE, LLC | $175,000 | $1,130,000 | 545.7% | 0.0% |
| GENEVA FINANCIAL, LLC | $175,000 | $1,095,000 | 525.7% | 0.0% |
| Wintrust Bank, N.A. | $1,060,000 | n/a | 0.0% | |
| Provident Credit Union | $205,000 | $1,045,000 | 409.8% | 0.0% |
| VERITAS FUNDING, LLC | $1,515,000 | $1,020,000 | -32.7% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $1,015,000 | n/a | 0.0% | |
| LADERA LENDING, INC. | $1,870,000 | $1,000,000 | -46.5% | 0.0% |
| PATELCO | $1,990,000 | $1,000,000 | -49.7% | 0.0% |
| DATA MORTGAGE, INC. | $675,000 | $980,000 | 45.2% | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | $940,000 | n/a | 0.0% | |
| M&T Bank | $885,000 | $935,000 | 5.6% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $575,000 | $905,000 | 57.4% | 0.0% |
| MICHIGAN MUTUAL, INC. | $1,495,000 | $900,000 | -39.8% | 0.0% |
| Ameris Bank | $365,000 | $885,000 | 142.5% | 0.0% |
| ONY GLO, INC. | $1,135,000 | $860,000 | -24.2% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $2,695,000 | $855,000 | -68.3% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $1,455,000 | $855,000 | -41.2% | 0.0% |
| Fremont Bank | $3,155,000 | $855,000 | -72.9% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $145,000 | $845,000 | 482.8% | 0.0% |
| LENDSURE MORTGAGE CORP. | $2,175,000 | $830,000 | -61.8% | 0.0% |
| CALLISTO GROUP, INC. | $255,000 | $810,000 | 217.6% | 0.0% |
| Bethpage Federal Credit Union | $770,000 | $805,000 | 4.5% | 0.0% |
| Prosperity Home Mortgage, LLC | $8,435,000 | $790,000 | -90.6% | 0.0% |
| FAY SERVICING, LLC | $205,000 | $775,000 | 278.0% | 0.0% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | $765,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $755,000 | n/a | 0.0% | |
| Peoples Bank | $750,000 | n/a | 0.0% | |
| Merchants Mortgage & Trust Corporation | $670,000 | $740,000 | 10.4% | 0.0% |
| MY MOVE MORTGAGE, LLC | $735,000 | n/a | 0.0% | |
| Water and Power Community Credit Union | $680,000 | n/a | 0.0% | |
| FUNDLOANS CAPITAL | $235,000 | $660,000 | 180.9% | 0.0% |
| 1ST UNITED SERVICES CREDIT UNION | $635,000 | n/a | 0.0% | |
| HomeTrust Bank | $2,145,000 | $635,000 | -70.4% | 0.0% |
| KeyBank | $26,585,000 | $625,000 | -97.6% | 0.0% |
| ST FIN CORP | $620,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $215,000 | $615,000 | 186.0% | 0.0% |
| WESCOM CENTRAL CREDIT UNION | $835,000 | $615,000 | -26.3% | 0.0% |
| SCENIC OAKS FUNDING, INC. | $3,300,000 | $600,000 | -81.8% | 0.0% |
| VALLEY STRONG CREDIT UNION | $570,000 | $600,000 | 5.3% | 0.0% |
| LIMA ONE CAPITAL, LLC | $1,505,000 | $595,000 | -60.5% | 0.0% |
| Comerica Bank | $1,165,000 | $590,000 | -49.4% | 0.0% |
| KD CAPITAL MORTGAGE CORPORATION | $235,000 | $590,000 | 151.1% | 0.0% |
| CENTRAL COAST LENDING, INC. | $725,000 | $585,000 | -19.3% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $215,000 | $580,000 | 169.8% | 0.0% |
| Armed Forces Bank | $575,000 | n/a | 0.0% | |
| FAMILIES AND SCHOOLS TOGETHER FEDERAL CREDIT UNION | $55,000 | $575,000 | 945.5% | 0.0% |
| Royal Business Bank | $560,000 | n/a | 0.0% | |
| BANC ONE MORTGAGE CORPORATION | $555,000 | n/a | 0.0% | |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | $555,000 | n/a | 0.0% | |
| KINECTA | $3,350,000 | $545,000 | -83.7% | 0.0% |
| GEORGIA'S OWN | $1,210,000 | $540,000 | -55.4% | 0.0% |
| EQUITY WAVE LENDING, INC. | $125,000 | $535,000 | 328.0% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $530,000 | n/a | 0.0% | |
| Constant Investments, Inc. | $525,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $3,005,000 | $525,000 | -82.5% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $450,000 | $525,000 | 16.7% | 0.0% |
| RBC Bank, (Georgia) | $515,000 | n/a | 0.0% | |
| GUARANTEED RATE AFFINITY, LLC | $495,000 | n/a | 0.0% | |
| TRAVIS CREDIT UNION | $55,000 | $485,000 | 781.8% | 0.0% |
| Charles Schwab Bank, SSB | $325,000 | $470,000 | 44.6% | 0.0% |
| Ixonia Bank | $325,000 | $470,000 | 44.6% | 0.0% |
| Kaiperm Diablo Federal Credit Union | $470,000 | n/a | 0.0% | |
| MACKILLIE INCORPORATED | $470,000 | n/a | 0.0% | |
| PREMIER LENDING, INC. | $465,000 | n/a | 0.0% | |
| DIRECTIONS EQUITY, LLC | $455,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $335,000 | $455,000 | 35.8% | 0.0% |
| Frontier Bank | $455,000 | n/a | 0.0% | |
| UNITED MORTGAGE CORP | $455,000 | n/a | 0.0% | |
| COMMUNITY MORTGAGE FUNDING, LLC | $680,000 | $450,000 | -33.8% | 0.0% |
| DIRECTORS MORTGAGE, INC. | $435,000 | n/a | 0.0% | |
| Loan Simple, Inc. | $435,000 | n/a | 0.0% | |
| MONARCH FUNDING CORP. | $435,000 | n/a | 0.0% | |
| KEYPOINT | $185,000 | $425,000 | 129.7% | 0.0% |
| MOUNTAIN WEST FINANCIAL, INC. | $2,535,000 | $425,000 | -83.2% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $425,000 | n/a | 0.0% | |
| Farmers & Merchants Bank of Central California | $420,000 | n/a | 0.0% | |
| University Bank | $255,000 | $420,000 | 64.7% | 0.0% |
| AXIA FINANCIAL, LLC | $235,000 | $415,000 | 76.6% | 0.0% |
| Baxter Credit Union | $475,000 | $415,000 | -12.6% | 0.0% |
| STAR ONE CREDIT UNION | $1,905,000 | $415,000 | -78.2% | 0.0% |
| Truist | $1,085,000 | $415,000 | -61.8% | 0.0% |
| STANFORD Federal Credit Union | $245,000 | $410,000 | 67.3% | 0.0% |
| ADVANCIAL | $275,000 | $405,000 | 47.3% | 0.0% |
| American Riviera Bank | $345,000 | $385,000 | 11.6% | 0.0% |
| NASA Federal Credit Union | $75,000 | $385,000 | 413.3% | 0.0% |
| RANLIFE, INC. | $385,000 | n/a | 0.0% | |
| Princeton Mortgage Corporation | $335,000 | $365,000 | 9.0% | 0.0% |
| United Nations Federal Credit Union | $365,000 | n/a | 0.0% | |
| FIRST ENTERTAINMENT | $75,000 | $345,000 | 360.0% | 0.0% |
| MORTGAGE EXPRESS, LLC | $345,000 | n/a | 0.0% | |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $345,000 | n/a | 0.0% | |
| UNITED | $345,000 | n/a | 0.0% | |
| Commercial Loan Corporation | $340,000 | n/a | 0.0% | |
| Murphy Bank | $310,000 | $340,000 | 9.7% | 0.0% |
| Bank of England | $790,000 | $325,000 | -58.9% | 0.0% |
| Sierra Lending Corporation | $325,000 | n/a | 0.0% | |
| ARROWHEAD CENTRAL CREDIT UNION | $305,000 | n/a | 0.0% | |
| Crestline Funding Corporation | $305,000 | n/a | 0.0% | |
| Old National Bank | $305,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $660,000 | $305,000 | -53.8% | 0.0% |
| COASTHILLS | $295,000 | n/a | 0.0% | |
| COMMUNITYAMERICA | $285,000 | n/a | 0.0% | |
| Quontic Bank | $295,000 | $280,000 | -5.1% | 0.0% |
| City Lending Inc. | $275,000 | n/a | 0.0% | |
| GEO-CORP, INC. | $275,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $465,000 | $275,000 | -40.9% | 0.0% |
| Umpqua Bank | $90,000 | $275,000 | 205.6% | 0.0% |
| WINGS FINANCIAL | $270,000 | n/a | 0.0% | |
| EMM LOANS LLC | $345,000 | $265,000 | -23.2% | 0.0% |
| ML Mortgage Corp. | $285,000 | $265,000 | -7.0% | 0.0% |
| MERIWEST | $260,000 | n/a | 0.0% | |
| ATLANTA POSTAL | $255,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $255,000 | n/a | 0.0% | |
| NFM, INC. | $1,210,000 | $255,000 | -78.9% | 0.0% |
| TOWNE MORTGAGE COMPANY | $5,475,000 | $255,000 | -95.3% | 0.0% |
| EVERENCE FEDERAL CREDIT UNION | $245,000 | n/a | 0.0% | |
| UNCLE Credit Union | $105,000 | $235,000 | 123.8% | 0.0% |
| Beeline Loans, Inc. | $225,000 | n/a | 0.0% | |
| HighTechLending Inc | $205,000 | $225,000 | 9.8% | 0.0% |
| ALL REVERSE MORTGAGE, INC. | $515,000 | $215,000 | -58.3% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $335,000 | $215,000 | -35.8% | 0.0% |
| Financial Partners Credit Union | $280,000 | $215,000 | -23.2% | 0.0% |
| AEROSPACE FEDERAL CREDIT UNION | $205,000 | n/a | 0.0% | |
| LAFAYETTE FEDERAL CREDIT UNION | $460,000 | $205,000 | -55.4% | 0.0% |
| Vellum Mortgage, Inc. | $205,000 | n/a | 0.0% | |
| East West Bank | $195,000 | n/a | 0.0% | |
| REDWOOD | $190,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $230,000 | $190,000 | -17.4% | 0.0% |
| Bank of Hope | $6,205,000 | $185,000 | -97.0% | 0.0% |
| TULARE COUNTY | $140,000 | $185,000 | 32.1% | 0.0% |
| DEPARTMENT OF COMMERCE | $175,000 | n/a | 0.0% | |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $175,000 | n/a | 0.0% | |
| INTERNATIONAL CITY MORTGAGE, INC. | $905,000 | $175,000 | -80.7% | 0.0% |
| Firefighters First Federal Credit Union | $250,000 | $170,000 | -32.0% | 0.0% |
| F&A Federal Credit Union | $160,000 | n/a | 0.0% | |
| City National Bank | $155,000 | n/a | 0.0% | |
| SALAL | $105,000 | $155,000 | 47.6% | 0.0% |
| HARTFORD FUNDING, LTD. | $145,000 | n/a | 0.0% | |
| Banner Bank | $17,010,000 | $140,000 | -99.2% | 0.0% |
| NuVision Federal Credit Union | $140,000 | n/a | 0.0% | |
| THE POLICE Credit Union | $120,000 | $140,000 | 16.7% | 0.0% |
| CIS Financial Services, Inc. | $280,000 | $125,000 | -55.4% | 0.0% |
| Mortgage Vintage, Inc. | $125,000 | n/a | 0.0% | |
| SKYONE Federal Credit Union | $120,000 | $125,000 | 4.2% | 0.0% |
| SAFE 1 CREDIT UNION | $235,000 | $120,000 | -48.9% | 0.0% |
| CHEVRON | $385,000 | $105,000 | -72.7% | 0.0% |
| Fidelity Bank | $105,000 | n/a | 0.0% | |
| JTF ROSE, INC. | $105,000 | n/a | 0.0% | |
| PremierOne Credit Union | $105,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $575,000 | $95,000 | -83.5% | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | $95,000 | n/a | 0.0% | |
| SANDIA LABORATORY | $95,000 | n/a | 0.0% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $385,000 | $85,000 | -77.9% | 0.0% |
| Deere Employees Credit Union | $65,000 | $75,000 | 15.4% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $330,000 | $75,000 | -77.3% | 0.0% |
| Southwest Airlines Federal Credit Union | $75,000 | n/a | 0.0% | |
| I.L.W.U. CREDIT UNION | $65,000 | n/a | 0.0% | |
| North Coast Financial, Inc. | $385,000 | $65,000 | -83.1% | 0.0% |
| SAN FRANCISCO FIRE CREDIT UNION | $55,000 | n/a | 0.0% | |
| SESLOC | $45,000 | $45,000 | 0.0% | 0.0% |
| THE FIRST FINANCIAL Federal Credit Union | $45,000 | n/a | 0.0% | |
| PARTNERS | $35,000 | n/a | 0.0% | |
| SANTA CLARA COUNTY | $140,000 | $35,000 | -75.0% | 0.0% |
| California Coast Credit Union | $465,000 | $25,000 | -94.6% | 0.0% |
| Credit Union of Southern California | $25,000 | n/a | 0.0% |
FRESNO's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 14.7% market share. In second place, with 6.7%, is QUICKEN LOANS, LLC, having originated $269,705,000 in loans. In third place, with 6.2%, is EAGLE HOME MORTGAGE, LLC, having originated $249,290,000 in loans. In fourth place, with 5.8%, is ALAMEDA MORTGAGE CORPORATION, having originated $234,595,000 in loans. In fifth place, with 5.8%, is Century Mortgage Company DBA Century Lending Company, having originated $234,165,000 in loans.
FRESNO, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 7,606 | $2,833,230,000 | $372,499 |
| Cash Out Refi | 1,980 | $473,030,000 | $238,904 |
| Other | 1,238 | $119,320,000 | $96,381 |
| Home Improvement | 1,043 | $110,205,000 | $105,662 |
| Refi | 1,004 | $473,750,000 | $471,863 |
| NA | 15 | $3,205,000 | $213,667 |
Fresno's most frequently cited loan purpose was Home Purchase, with 7,606 originations. The 2nd most popular reason was Cash Out Refi, with 1,980 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 4,927 | $1,823,405,000 | $370,084 |
| Over 8% | 2,694 | $374,570,000 | $139,039 |
| 5-6% | 2,405 | $1,025,665,000 | $426,472 |
| 7-8% | 2,216 | $643,090,000 | $290,203 |
| <2.5% | 380 | $7,780,000 | $20,474 |
| 4-5% | 201 | $89,605,000 | $445,796 |
| 3-4% | 12 | $26,710,000 | $2,225,833 |
| 2.5-3% | 10 | $2,190,000 | $219,000 |
During 2024, Fresno's most frequently originated rate bucket was 6-7%, with 4,927 originations.
Loan Sizing (FRESNO, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 5,251 | $1,616,995,000 | $307,940 |
| $400k-600k | 2,777 | $1,298,585,000 | $467,622 |
| $100,000 or less | 2,438 | $125,410,000 | $51,440 |
| $100k-200k | 1,788 | $257,870,000 | $144,223 |
| $600k-1000k | 509 | $356,795,000 | $700,972 |
| $Over $1MM | 123 | $357,085,000 | $2,903,130 |
FRESNO's loan sizing saw the bucket of loans from $200k-400k with 5,251 originations, totaling $1,616,995,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 5,114 | $2,056,460,000 | $402,124 |
| 60-80% | 2,774 | $1,144,440,000 | $412,559 |
| Under 20% | 2,367 | $136,715,000 | $57,759 |
| 20-40% | 1,268 | $232,630,000 | $183,462 |
| 40-60% | 1,066 | $315,510,000 | $295,976 |
| Over 100% | 111 | $57,625,000 | $519,144 |
FRESNO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 5,114 originations, totaling $2,056,460,000 in origination value.