MODESTO Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Modesto averaged 5.98% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 5.99% and one month ago for the week of 2022-05-26, the average rate was 5.18%.

Modesto's average rate one year ago was 3.5%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.58%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Modesto 30 Year Fixed Rate 2022-06-30 5.98%
Modesto 30 Year Fixed Rate Refi 2022-06-30 5.58%
Modesto 15 Year Fixed Rate 2022-06-30 4.95%
Modesto 15 Year Fixed Rate Refi 2022-06-30 4.98%
Modesto 30 Year FHA 2022-06-30 5.56%
Modesto 30 Year FHA Refi 2022-06-30 5.44%
Modesto 30 Year USDA 2022-06-30 5.6%
Modesto 30 Year USDA Refi 2022-06-30 5.24%
Modesto 30 Year VA 2022-06-30 5.52%
Modesto 30 Year VA Refi 2022-06-30 5.04%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within MODESTO, CA.

MODESTO Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the MODESTO, 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 1,796 3.03% $5,022
UNITED WHOLESALE MORTGAGE, LLC 1,468 2.99% $5,039
AMERICAN PACIFIC MORTGAGE CORPORATION 818 3.18% $4,878
SCENIC OAKS FUNDING, INC. 559 3.26% $4,689
CROSSCOUNTRY MORTGAGE, LLC 522 3.13% $4,916
HOME POINT FINANCIAL CORPORATION 500 3.02% $4,309
ACADEMY MORTGAGE CORPORATION 497 3.15% $4,511
LOANDEPOT.COM, LLC 496 3.03% $4,711
JPMorgan Chase Bank 375 3.03% $3,655
Wells Fargo Bank 332 3.21% $3,534
S1L, Inc. 284 3.27% $4,238
CALIBER HOME LOANS, INC. 270 3.15% $4,971
FINANCE OF AMERICA MORTGAGE LLC 245 3.20% $5,158
PRIMELENDING, A PLAINSCAPITAL COMPANY 213 3.32% $5,086
Mr. Cooper ( Nationstar Mortgage ) 197 3.17% $5,721
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 175 3.20% $4,947
AMERISAVE MORTGAGE CORPORATION 166 2.87% $5,126
BROKER SOLUTIONS, INC. 164 3.07% $4,379
FREEDOM MORTGAGE CORPORATION 156 3.15% $3,609
GUILD MORTGAGE COMPANY 156 3.22% $5,099
PENNYMAC LOAN SERVICES, LLC 140 3.07% $5,371
SUMMIT FUNDING, INC. 136 3.24% $5,955
GUARANTEED RATE, INC. 131 2.94% $3,823
Flagstar Bank, FSB 130 3.24% $3,664
NEWREZ LLC 125 3.18% $4,051
Paramount Residential Mortgage Group, Inc. 122 3.19% $4,382
STEARNS LENDING, LLC 121 3.00% $4,867
Bank of the West 114 3.26% $3,963
ALAMEDA MORTGAGE CORPORATION 113 3.24% $5,148
MOVEMENT MORTGAGE, LLC 112 3.23% $4,782
Golden Empire Mortgage, Inc. 108 3.27% $6,415
Fremont Bank 106 3.15% $946
Commerce Home Mortgage, Inc. 103 3.18% $6,384
Bank of America 100 3.04% $3,809
AMERICAN FINANCIAL NETWORK, INC. 99 3.27% $9,929
PRIMARY RESIDENTIAL MORTGAGE, INC. 97 3.25% $7,436
BETTER MORTGAGE CORPORATION 94 2.84% $2,796
Valley First Credit Union 88 3.10% $4,547
ENVOY MORTGAGE, LTD 84 3.30% $5,408
ROUNDPOINT MORTGAGE SERVICING CORPORATION 66 3.21% $3,333
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 65 3.04% $5,020
MASON MCDUFFIE MORTGAGE CORPORATION 65 3.32% $4,708
NETWORK CAPITAL FUNDING CORPORATION 64 3.14% $3,600
Amerifirst Financial, Inc. 64 3.20% $4,316
U.S. Bank 62 3.16% $3,187
Sierra Pacific Mortgage Company, Inc. 61 3.16% $4,168
LAND HOME FINANCIAL SERVICES, INC. 60 3.25% $5,124
THE GOLDEN 1 59 3.29% $3,898
MEGASTAR FINANCIAL CORP. 57 3.24% $6,891
KBHS HOME LOANS, LLC 54 3.08% $8,224
HOMEBRIDGE FINANCIAL SERVICES, INC. 54 3.30% $4,938
FBC MORTGAGE, LLC 50 3.27% $4,468
MUFG Union Bank 48 2.91% $4,211
MOUNTAIN WEST FINANCIAL, INC. 48 3.21% $5,353
MUTUAL OF OMAHA MORTGAGE, INC. 46 3.04% $2,910
CMG MORTGAGE, INC. 45 3.22% $5,395
PROVIDENT FUNDING ASSOCIATES, L.P. 42 2.74% $2,621
BBVA USA 40 3.08% $3,787
Strong Home Mortgage, LLC 37 2.95% $2,088
Hometown Equity Mortgage, LLC 34 3.11% $7,645
LADERA LENDING, INC. 33 3.19% $3,574
Tri Counties Bank 30 3.53% $4,089
IMPAC MORTGAGE CORP. 30 3.03% $599
InterContinental Capital Group, Inc 29 3.01% $4,507
Watermark Capital, Inc. 29 2.78% $2,913
Umpqua Bank 28 3.14% $5,101
AMERICAN FINANCING CORPORATION 27 2.97% $3,883
LOANPAL, LLC 26 3.02% $7,157
NBKC BANK 25 3.06% $2,044
OCMBC, INC. 24 3.55% $5,899
Nations Lending Corporation 23 3.19% $6,234
NATIONS DIRECT MORTGAGE, LLC 23 3.05% $6,044
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 23 3.15% $5,878
SUN WEST MORTGAGE COMPANY, INC. 23 3.12% $5,367
North American Savings Bank, F.S.B. 22 2.80% $2,469
GUARANTEED RATE AFFINITY, LLC 22 3.11% $3,654
RESIDENTIAL BANCORP. 22 3.16% $7,991
FirstBank 20 2.89% $2,230
Hometown Lenders, Inc. 20 3.05% $5,573
Platinum Home Mortgage Corporation 20 3.22% $6,695
EVERETT FINANCIAL, INC. 20 3.48% $2,256
ZILLOW HOME LOANS, LLC 19 3.09% $3,303
PHH Mortgage Corporation 19 3.18% $6,791
PLANET HOME LENDING, LLC 18 3.12% $5,522
LAKEVIEW LOAN SERVICING, LLC 18 3.36% $2,940
PLAZA HOME MORTGAGE, INC. 18 2.96% $4,277
Carrington Mortgage Services, LLC 17 3.32% $5,759
Ally Bank 17 3.01% $6,543
SNAPFI, INC. 16 3.34% $3,472
Citadel Servicing Corporation 16 4.75% $10,687
NMSI, INC. 16 3.54% $8,394
CANOPY MORTGAGE, LLC 16 2.95% $5,262
HOMEOWNERS FINANCIAL GROUP USA, LLC 16 3.37% $6,002
Prime Choice Funding Inc. 16 2.96% $3,842
BAY EQUITY LLC 16 3.15% $5,265
The Federal Savings Bank 16 3.18% $7,845
WINNPOINTE CORPORATION 16 2.75% $1,853
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 15 3.43% $6,571
PNC Bank 15 3.12% $3,894
AmeriHome Mortgage Company, LLC 15 3.17% $3,238
General Mortgage Capital Corporation 15 3.29% $4,059
AMERICAN INTERNET MORTGAGE, INC. 14 2.78% $3,099
GOOGAIN, INC. 14 3.15% $3,313
TRAVIS CREDIT UNION 14 3.12% $3,207
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 14 3.29% $3,741
ARC HOME LLC 14 3.96% $8,106
Equity Prime Mortgage LLC 13 3.15% $6,936
Lakeview Community Capital, LLC 13 3.34% $2,782
UNION HOME MORTGAGE CORP. 13 2.80% $6,270
NAVY FEDERAL CREDIT UNION 12 3.57% $4,756
INTELLILOAN, INC. 12 2.99% $4,298
5TH STREET CAPITAL, INC. 12 4.95% $16,865
GENEVA FINANCIAL, LLC 12 3.22% $5,082
First Guaranty Mortgage Corporation 12 2.98% $4,132
Loan Simple, Inc. 12 2.89% $4,940
SOFI LENDING CORP. 11 2.91% $5,033
PREMIER MORTGAGE RESOURCES, L.L.C. 10 3.64% $6,373
Citibank 10 3.00% $3,884
First Savings Bank 10 3.13% $3,282
LOANSNAP, INC. 10 2.80% $2,444
Northwest Farm Credit Services, FLCA 10 3.32% $15,767
PACIFIC SERVICE 10 2.99% $2,887
PATELCO 10 3.31% $2,621
STAR ONE CREDIT UNION 10 2.99% $2,448
Stifel Bank and Trust 10 2.91% $2,331
Wyndham Capital Mortgage, Inc. 10 2.93% $1,985
LENDUS, LLC 9 3.11% $4,638
San Mateo Credit Union 9 3.15% $3,030
PARKSIDE LENDING, LLC 9 3.22% $4,267
DHI MORTGAGE COMPANY, LTD. 9 3.10% $4,755
HOMESIDE FINANCIAL, LLC 8 2.94% $4,878
NexBank 8 3.03% $3,826
BEST CAPITAL FUNDING 8 2.97% $5,029
CHERRY CREEK MORTGAGE, LLC 8 3.19% $604
Provident Credit Union 8 2.88% $4,466
CHURCHILL MORTGAGE CORPORATION 8 3.33% $4,176
HighTechLending Inc 7 3.13% $3,855
SOVEREIGN LENDING GROUP INCORPORATED 7 3.05% $5,446
Manufacturers and Traders Trust Company 7 3.29% $5,067
ONY GLO, INC. 7 2.79% $3,249
NEXERA HOLDING LLC 7 3.30% $7,294
JMJ FINANCIAL GROUP 7 3.00% $3,714
VERITAS FUNDING, LLC 7 3.28% $4,765
Operating Engineers Local Union #3 7 3.04% $3,495
PENTAGON FEDERAL CREDIT UNION 7 3.07% $2,084
VISION ONE MORTGAGE, INC. 6 3.25% $7,625
Prosperity Home Mortgage, LLC 6 3.21% $3,672
Mortgage Research Center, LLC 6 2.75% $4,307
HOMEXPRESS MORTGAGE CORP. 6 4.62% $12,094
MORIA DEVELOPMENT, INC. 6 3.15% $6,676
Truist Bank 6 2.88% $3,154
Kwik Mortgage Corporation 6 2.81% $1,326
UNCLE Credit Union 6 3.38% $4,792
RANLIFE, INC. 6 3.27% $4,147
GSF Mortgage Corporation 6 3.27% $2,062
SECURITYNATIONAL MORTGAGE COMPANY 6 3.29% $7,498
PREMIER LENDING, INC. 6 2.96% $4,868
Cf Bank 6 2.77% $3,772
KELLER MORTGAGE, LLC 6 3.13% $3,323
ANGEL OAK MORTGAGE SOLUTIONS LLC 6 4.92% $10,756
LENDERFI, INC. 6 2.91% $1,183
Firefighters First Federal Credit Union 6 3.04% $2,998
CALCULATED RISK ANALYTICS LLC 5 4.68% $8,607
Northpointe Bank 5 2.85% $2,831
MEGA CAPITAL FUNDING, INC. 5 3.05% $3,011
ROYAL UNITED MORTGAGE LLC 5 3.40% $6,501
JMAC LENDING, INC. 5 3.05% $3,699
CELEBRITY HOME LOANS, LLC 5 3.14% $4,748
SAFE CREDIT UNION 5 3.10% $3,918
Greenbox Loans, Inc. 5 5.57% $14,115
FISHER FINANCIAL GROUP, INCORPORATED 5 3.08% $2,192
LEADERONE FINANCIAL CORPORATION 5 3.40% $3,082
DIGNIFIED HOME LOANS, LLC 5 3.07% $4,580
INSPIRE HOME LOANS INC. 4 3.19% $5,607
Mechanics Bank 4 3.25% $3,926
LOANLEADERS OF AMERICA, INC. 4 2.81% $4,897
COUNTRY CLUB MORTGAGE, INC. 4 3.00% $3,569
DRAPER AND KRAMER MORTGAGE CORP. 4 3.38% $3,222
Arvest Bank 4 3.00% $3,799
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 4 4.38% $4,515
First Mortgage Solutions, LLC 4 2.69% $2,520
MICHIGAN MUTUAL, INC. 4 2.90% $9,360
MERIWEST MORTGAGE COMPANY, LLC 4 3.19% $3,129
SANTA CLARA COUNTY 4 3.13% $3,290
Axos Bank 4 3.41% $4,683
DATA MORTGAGE, INC. 3 3.38% $9,423
Plains Commerce Bank 3 3.33% $9,082
East West Bank 3 4.13% $3,903
Barrington Bank & Trust Company, N.A. 3 2.95% $3,779
Quontic Bank 3 5.13% $13,624
LENOX FINANCIAL MORTGAGE CORPORATION 3 2.79% $2,533
Bank of England 3 3.08% $6,102
Colonial Savings, F.A. 3 3.21% $1,048
SCHOOLSFIRST 3 2.88% $2,650
LOANFLIGHT LENDING, LLC 3 2.83% $3,911
SPRING EQ, LLC 3 3.08% $1,502
ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 3.25% $5,463
1ST UNITED SERVICES CREDIT UNION 3 3.23% $2,158
SUMMIT MORTGAGE BANKERS INC. 3 3.46% $4,314
HOME APPROVALS DIRECT, INC. 3 3.37% $6,193
Home Mortgage Alliance Corp 3 3.17% $4,447
Merchants Bank of Indiana 3 2.71% $3,313
MERCO Credit Union 3 3.13% $3,718
MID-VALLEY SERVICES, INC. 3 3.29% $6,195
United Fidelity Funding Corp. 3 3.29% $6,970
USAA Federal Savings Bank 3 3.08% $3,470
FUNDLOANS CAPITAL 3 5.33% $5,069
EXCITE Credit Union 3 3.33% $3,034
WALL FINANCIAL, INC. 3 3.17% $6,407
Citizens Bank 3 3.21% $4,754
First Bank 3 2.75% $5,503
Financial Partners Credit Union 3 2.92% $2,899
First Home Bank 3 3.21% $9,079
EMM LOANS LLC 3 3.21% $7,520
CENTRAL COAST LENDING, INC. 3 3.04% $3,789
NEW WAVE LENDING GROUP INC 3 3.21% $3,928
Educational Employees Credit Union 3 3.38% $1,599
Florida Capital Bank 3 3.50% $3,896
OPEN MORTGAGE, LLC 3 2.71% $4,557
A&D Mortgage LLC 3 4.38% $9,801
BECKAM FUNDING CORP. 2 3.06% $7,352
1ST RELIANT HOME LOANS, INC. 2 2.69% $3,426
Sunflower Bank 2 3.68% $4,868
WESTERN EXPRESS LENDING 2 3.31% $2,958
Financial Funding Solutions, Inc. 2 2.50% $3,599
ANGEL OAK HOME LOANS LLC 2 5.13% $8,381
ABSOLUTE HOME MORTGAGE CORPORATION 2 3.12% $2,335
DAS Acquisition Company, LLC 2 2.93% $3,449
NATIONWIDE MORTGAGE BANKERS, INC. 2 3.13% $3,902
Charles Schwab Bank, SSB 2 3.18% $4,379
STANFORD Federal Credit Union 2 3.06% $8,588
BNC National Bank 2 2.50% $2,193
LOGIX FEDERAL CREDIT UNION 2 3.00% $1,149
Fifth Third Bank 2 3.06% $3,201
Constant Investments, Inc. 2 3.19% $4,406
PARTNERS 2 2.88% $4,966
COAST 2 COAST FUNDING GROUP, INC. 2 3.50% $4,271
GUIDANCE RESIDENTIAL, LLC 2 3.19% $3,726
LIBERTY HOME MORTGAGE CORPORATION 2 2.94% $8,196
Franklin Loan Corporation 2 3.19% $6,504
UNIFY FINANCIAL Credit Union 2 3.31% $1,371
UIF CORPORATION 2 3.00% $5,743
Banner Bank 2 3.13% $6,561
AMCAP MORTGAGE, LTD. 2 3.24% $3,353
LENDSURE MORTGAGE CORP. 2 5.37% $9,731
TOP FLITE FINANCIAL, INC. 2 3.69% $5,770
KEYPOINT 2 2.94% $2,721
TJC Mortgage, Inc. 2 2.75% $2,326
TIAA, FSB 2 3.00% $3,332
The Loan Store, Inc. 2 3.19% $2,217
Lend Smart Mortgage, LLC 2 3.00% $2,914
CLEARPATH LENDING 2 3.19% $6,074
COMMUNITY MORTGAGE FUNDING, LLC 2 3.06% $2,715
T2 FINANCIAL LLC 2 2.87% $3,857
CORNERSTONE HOME LENDING, INC. 2 3.44% $6,318
OAKTREE FUNDING CORP. 2 4.94% $14,470
First Federal Bank 1 3.00% $4,492
Wallick & Volk, Inc. 1 3.25% $7,032
First State Bank of St. Charles, Missouri 1 3.00% $4,154
FIRST TECHNOLOGY 1 3.00% $11,211
FEDEX EMPLOYEES CREDIT ASSOCIATION 1 3.00% $5,508
Equity Bank 1 2.88% $2,702
GOLDEN WEST ALLIANCE, INC. 1 3.88% $5,228
EMBRACE HOME LOANS, INC. 1 3.13% $4,373
GoPrime Mortgage, Inc. 1 3.50% $3,572
EAGLE HOME MORTGAGE, LLC 1 3.00% $7,366
Discover Bank 1 3.99% $0
DIRECTORS MORTGAGE, INC. 1 3.38% $6,066
Deere Employees Credit Union 1 2.88% $2,687
iCore Lending, Inc. 1 3.25% $4,633
I.L.W.U. CREDIT UNION 1 3.50% $3,835
INTERCAP LENDING INC. 1 3.25% $3,513
Crestline Funding Corporation 1 3.00% $3,598
Ixonia Bank 1 3.13% $4,847
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 2.88% $4,942
KeyBank 1 3.13% $4,432
CONTOUR MORTGAGE CORPORATION 1 3.13% $11,461
COMPASS MORTGAGE, INC. 1 3.63% $9,201
LENDING 3, INC. 1 3.25% $11,221
LHM FINANCIAL CORPORATION 1 3.99% $2,466
COASTHILLS 1 3.50% $3,448
ADVANCIAL 1 4.00% $3,000
Magnolia Bank 1 2.88% $5,818
MANN FINANCIAL INC. 1 3.25% $3,737
CITYWIDE HOME LOANS, LLC 1 2.88% $7,938
MEMBER FIRST MORTGAGE, LLC 1 3.13% $4,708
MID AMERICA MORTGAGE, INC. 1 2.88% $1,653
MK LENDING CORP. 1 3.13% $8,167
MLD MORTGAGE INC. 1 2.50% $3,334
ML Mortgage Corp. 1 3.13% $5,749
MORTGAGE CAPITAL PARTNERS, INC. 1 2.63% $7,621
MORTGAGEONE, INC. 1 3.00% $4,087
City National Bank 1 2.69% $2,670
CIT Bank 1 3.55% $3,198
Chicago Mortgage Solutions LLC 1 3.13% $5,441
CHEVRON 1 3.13% $11,396
NATIONS RELIABLE LENDING, LLC 1 3.25% $2,175
Neighborhood Loans, Inc. 1 3.50% $6,223
Century Mortgage Company DBA Century Lending Company 1 3.38% $4,137
NEW DAY FINANCIAL, LLC 1 2.99% $6,761
NFM, INC. 1 3.25% $625
CAMPOS FINANCIAL CORP. 1 3.00% $9,080
NORTHROP GRUMMAN Federal Credit Union 1 3.13% $5,649
Waterstone Mortgage Corporation 1 3.00% $6,049
NORWICH COMMERCIAL GROUP, INC. 1 2.75% $3,847
NOVA FINANCIAL & INVESTMENT CORPORATION 1 2.63% $2,457
Paramount Bank 1 3.25% $6,446
Boeing Employees Credit Union 1 2.88% $2,486
Blue Ridge Bank 1 3.88% $4,321
BLUELEAF LENDING, LLC 1 2.88% $4,539
BKCO MORTGAGE, LLC 1 2.99% $2,092
BELEM SERVICING LLC 1 3.25% $7,576
BAYSHORE MORTGAGE FUNDING, LLC 1 3.88% $5,995
BAY 1 3.63% $2,981
Princeton Mortgage Corporation 1 2.75% $7,547
Baxter Credit Union 1 3.38% $2,675
Raymond James Bank 1 2.88% $3,373
REDWOOD 1 3.13% $3,611
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 3.13% $6,485
Republic Bank & Trust Company 1 2.88% $2,022
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 3.38% $3,989
Bank of Utah 1 3.25% $2,483
SAFEAMERICA CREDIT UNION 1 2.99% $2,523
Servion, Inc. 1 3.00% $4,279
AXIA FINANCIAL, LLC 1 2.88% $3,697
Signature Federal Credit Union 1 3.00% $7,279
SIWELL, INC. 1 3.00% $3,521
ATHAS CAPITAL GROUP, INC. 1 6.38% $14,811
S&S Financial 1 4.88% $5,346
ST FIN CORP 1 2.75% $6,673
ANDREWS FEDERAL CREDIT UNION 1 2.88% $3,387
TECHNOLOGY 1 2.75% $6,831
Texana Bank 1 2.75% $8,789
The Central Trust Bank 1 2.50% $1,585
Ameris Bank 1 2.99% $2,864
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 2.50% $2,889
The Home Loan Expert LLC 1 2.50% $2,445
Third Federal Savings and Loan Association of Cleveland 1 2.99% $3,687
TOWNE MORTGAGE COMPANY 1 2.50% $4,188
AMERICAN FIRST 1 2.75% $3,310
AMERICAN FINANCIAL RESOURCES, INC. 1 3.25% $4,153
UBS Bank USA 1 3.88% $2,792
UMB Bank 1 2.75% $3,987
American Bank of Oklahoma 1 3.25% $6,477
AMERICAN ADVISORS GROUP 1 3.15% $4,363
UNITED 1 3.75% $3,326
ALL WESTERN MORTGAGE, INC. 1 3.63% $5,618
USE Credit Union 1 2.88% $2,936
U S WIDE FINANCIAL LLC 1 2.63% $1,165
AHL FUNDING 1 2.88% $8,393
V.I.P. MORTGAGE, INC. 1 3.63% $4,117
FIRST ALLIANCE HOME MORTGAGE, LLC 1 3.50% $4,546
FIRST CENTENNIAL MORTGAGE CORPORATION 1 2.63% $3,120
FIRST COLONY MORTGAGE CORPORATION 1 3.13% $7,470
FIRST COMMUNITY MORTGAGE, INC. 1 3.50% $4,676

MODESTO, CA's 355 lenders originated 25,557 loans during 2021. The total origination value was $7,611,715,000, with an average loan value of $297,833.

The top MODESTO lender as defined by loan originations is QUICKEN LOANS, LLC, with 1,796 loans originated. Their average total fees are $5,022, which is $17 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee MODESTO lenders (with over 10 loans originated) are IMPAC MORTGAGE CORP. ($599), Fremont Bank ($946), WINNPOINTE CORPORATION ($1,853), Wyndham Capital Mortgage, Inc. ($1,985) and NBKC BANK ($2,044).

The lowest rate MODESTO lenders (with over 10 loans originated) are PROVIDENT FUNDING ASSOCIATES, L.P. (2.74%), WINNPOINTE CORPORATION (2.75%), AMERICAN INTERNET MORTGAGE, INC. (2.78%), Watermark Capital, Inc. (2.78%) and UNION HOME MORTGAGE CORP. (2.80%).

MODESTO, CA Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $707,630,000 $766,525,000 8.3% 10.1%
UNITED WHOLESALE MORTGAGE, LLC $510,165,000 $700,590,000 37.3% 9.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $397,550,000 $414,560,000 4.3% 5.4%
CROSSCOUNTRY MORTGAGE, LLC $213,470,000 $271,445,000 27.2% 3.6%
LOANDEPOT.COM, LLC $185,735,000 $254,885,000 37.2% 3.3%
FREEDOM MORTGAGE CORPORATION $373,890,000 $254,060,000 -32.0% 3.3%
SCENIC OAKS FUNDING, INC. $326,715,000 $246,810,000 -24.5% 3.2%
HOME POINT FINANCIAL CORPORATION $169,630,000 $237,805,000 40.2% 3.1%
ACADEMY MORTGAGE CORPORATION $246,115,000 $216,310,000 -12.1% 2.8%
Wells Fargo Bank $157,985,000 $149,930,000 -5.1% 2.0%
JPMorgan Chase Bank $105,900,000 $149,875,000 41.5% 2.0%
CALIBER HOME LOANS, INC. $84,915,000 $142,630,000 68.0% 1.9%
S1L, Inc. $67,440,000 $118,285,000 75.4% 1.6%
FINANCE OF AMERICA MORTGAGE LLC $108,535,000 $111,995,000 3.2% 1.5%
PENNYMAC LOAN SERVICES, LLC $61,130,000 $101,910,000 66.7% 1.3%
Mr. Cooper ( Nationstar Mortgage ) $100,360,000 $101,730,000 1.4% 1.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $103,320,000 $86,980,000 -15.8% 1.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $71,645,000 $85,400,000 19.2% 1.1%
NEWREZ LLC $44,860,000 $74,115,000 65.2% 1.0%
BROKER SOLUTIONS, INC. $72,615,000 $73,400,000 1.1% 1.0%
Bank of the West $79,975,000 $70,265,000 -12.1% 0.9%
AMERISAVE MORTGAGE CORPORATION $54,240,000 $69,045,000 27.3% 0.9%
SUMMIT FUNDING, INC. $69,380,000 $68,430,000 -1.4% 0.9%
GUARANTEED RATE, INC. $13,770,000 $67,160,000 387.7% 0.9%
GUILD MORTGAGE COMPANY $41,660,000 $63,240,000 51.8% 0.8%
WALKER & DUNLOP, LLC $22,805,000 $62,445,000 173.8% 0.8%
Bank of America $57,150,000 $61,205,000 7.1% 0.8%
Commerce Home Mortgage, Inc. $72,985,000 $59,800,000 -18.1% 0.8%
Paramount Residential Mortgage Group, Inc. $18,290,000 $59,160,000 223.5% 0.8%
Golden Empire Mortgage, Inc. $64,085,000 $56,325,000 -12.1% 0.7%
AMERICAN FINANCIAL NETWORK, INC. $75,615,000 $56,035,000 -25.9% 0.7%
MOVEMENT MORTGAGE, LLC $56,450,000 $54,110,000 -4.1% 0.7%
Farmers & Merchants Bank of Central California $70,975,000 $52,565,000 -25.9% 0.7%
Flagstar Bank, FSB $51,860,000 $51,390,000 -0.9% 0.7%
STEARNS LENDING, LLC $64,165,000 $50,020,000 -22.0% 0.7%
BETTER MORTGAGE CORPORATION $25,265,000 $49,950,000 97.7% 0.7%
ALAMEDA MORTGAGE CORPORATION $34,315,000 $49,490,000 44.2% 0.7%
Fremont Bank $43,040,000 $47,350,000 10.0% 0.6%
U.S. Bank $43,380,000 $46,955,000 8.2% 0.6%
PRIMARY RESIDENTIAL MORTGAGE, INC. $54,760,000 $41,230,000 -24.7% 0.5%
Comerica Bank $285,000 $40,380,000 14,068.4% 0.5%
HOMEBRIDGE FINANCIAL SERVICES, INC. $36,305,000 $38,715,000 6.6% 0.5%
ENVOY MORTGAGE, LTD $36,920,000 $37,935,000 2.7% 0.5%
Tri Counties Bank $21,550,000 $34,390,000 59.6% 0.5%
Amerifirst Financial, Inc. $41,085,000 $34,005,000 -17.2% 0.4%
Mortgage Research Center, LLC $28,345,000 $33,500,000 18.2% 0.4%
LAKEVIEW LOAN SERVICING, LLC $30,435,000 $33,380,000 9.7% 0.4%
Valley First Credit Union $32,905,000 n/a 0.4%
SUN WEST MORTGAGE COMPANY, INC. $35,565,000 $32,680,000 -8.1% 0.4%
MASON MCDUFFIE MORTGAGE CORPORATION $19,300,000 $32,440,000 68.1% 0.4%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $4,310,000 $31,960,000 641.5% 0.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $38,785,000 $29,820,000 -23.1% 0.4%
KBHS HOME LOANS, LLC $9,475,000 $29,330,000 209.6% 0.4%
Sierra Pacific Mortgage Company, Inc. $21,735,000 $28,230,000 29.9% 0.4%
THE GOLDEN 1 $26,170,000 $26,530,000 1.4% 0.3%
CMG MORTGAGE, INC. $24,110,000 $24,820,000 2.9% 0.3%
Umpqua Bank $20,600,000 $24,660,000 19.7% 0.3%
LAND HOME FINANCIAL SERVICES, INC. $16,730,000 $24,600,000 47.0% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $23,460,000 $23,795,000 1.4% 0.3%
MEGASTAR FINANCIAL CORP. $33,700,000 $23,415,000 -30.5% 0.3%
PNC Bank $5,410,000 $22,850,000 322.4% 0.3%
MOUNTAIN WEST FINANCIAL, INC. $28,570,000 $22,635,000 -20.8% 0.3%
FBC MORTGAGE, LLC $46,890,000 $22,595,000 -51.8% 0.3%
BBVA USA $35,900,000 $22,300,000 -37.9% 0.3%
MUFG Union Bank $12,860,000 $22,235,000 72.9% 0.3%
Hometown Equity Mortgage, LLC $7,635,000 $21,215,000 177.9% 0.3%
Carrington Mortgage Services, LLC $17,555,000 $20,645,000 17.6% 0.3%
AMWEST FUNDING CORP. $13,965,000 $20,630,000 47.7% 0.3%
NETWORK CAPITAL FUNDING CORPORATION $20,075,000 $18,760,000 -6.6% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $51,925,000 $18,235,000 -64.9% 0.2%
Lakeview Community Capital, LLC $11,055,000 $18,160,000 64.3% 0.2%
PLANET HOME LENDING, LLC $12,990,000 $16,770,000 29.1% 0.2%
Strong Home Mortgage, LLC $17,395,000 $16,680,000 -4.1% 0.2%
AMERICAN ADVISORS GROUP $5,385,000 $15,785,000 193.1% 0.2%
IMPAC MORTGAGE CORP. $16,070,000 $15,690,000 -2.4% 0.2%
LADERA LENDING, INC. $13,825,000 $15,350,000 11.0% 0.2%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $15,005,000 n/a 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $26,430,000 $14,885,000 -43.7% 0.2%
The Federal Savings Bank $15,885,000 $14,405,000 -9.3% 0.2%
Equity Prime Mortgage LLC $5,770,000 $14,275,000 147.4% 0.2%
NAVY FEDERAL CREDIT UNION $11,770,000 $14,230,000 20.9% 0.2%
NBKC BANK $11,550,000 $13,505,000 16.9% 0.2%
PHH Mortgage Corporation $5,440,000 $13,295,000 144.4% 0.2%
Bank of Stockton $13,565,000 $12,995,000 -4.2% 0.2%
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. $6,325,000 $12,860,000 103.3% 0.2%
North American Savings Bank, F.S.B. $7,505,000 $12,795,000 70.5% 0.2%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $11,630,000 $12,660,000 8.9% 0.2%
ORIX REAL ESTATE CAPITAL, LLC $1,675,000 $12,305,000 634.6% 0.2%
InterContinental Capital Group, Inc $12,960,000 $11,985,000 -7.5% 0.2%
LOANPAL, LLC $16,900,000 $11,920,000 -29.5% 0.2%
GUARANTEED RATE AFFINITY, LLC $9,220,000 $11,795,000 27.9% 0.2%
Northwest Farm Credit Services, FLCA $7,855,000 $11,685,000 48.8% 0.2%
Watermark Capital, Inc. $5,300,000 $11,565,000 118.2% 0.2%
RESIDENTIAL BANCORP. $560,000 $11,425,000 1,940.2% 0.2%
NATIONS DIRECT MORTGAGE, LLC $9,295,000 $11,130,000 19.7% 0.1%
LENDINGHOME FUNDING CORPORATION $2,535,000 $11,010,000 334.3% 0.1%
Citizens Business Bank $1,785,000 $10,560,000 491.6% 0.1%
Self-Help Federal Credit Union $8,895,000 $10,525,000 18.3% 0.1%
OCMBC, INC. $6,075,000 $10,115,000 66.5% 0.1%
WINNPOINTE CORPORATION $21,765,000 $10,065,000 -53.8% 0.1%
Citadel Servicing Corporation $3,620,000 $9,705,000 168.1% 0.1%
First Guaranty Mortgage Corporation $6,360,000 $9,685,000 52.3% 0.1%
USAA Federal Savings Bank $12,765,000 $9,660,000 -24.3% 0.1%
Nations Lending Corporation $7,340,000 $9,475,000 29.1% 0.1%
Ally Bank $3,575,000 $9,345,000 161.4% 0.1%
AMERICAN FINANCING CORPORATION $5,830,000 $9,195,000 57.7% 0.1%
EVERETT FINANCIAL, INC. $29,120,000 $8,970,000 -69.2% 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $2,825,000 $8,950,000 216.8% 0.1%
ZILLOW HOME LOANS, LLC $1,745,000 $8,895,000 409.7% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $7,480,000 $8,670,000 15.9% 0.1%
BAY EQUITY LLC $14,695,000 $8,420,000 -42.7% 0.1%
Platinum Home Mortgage Corporation $17,890,000 $8,175,000 -54.3% 0.1%
FirstBank $6,375,000 $7,835,000 22.9% 0.1%
CHERRY CREEK MORTGAGE, LLC $6,530,000 $7,805,000 19.5% 0.1%
STAR ONE CREDIT UNION $3,905,000 $7,545,000 93.2% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $9,070,000 $7,320,000 -19.3% 0.1%
HomeStreet Bank $810,000 $7,195,000 788.3% 0.1%
PATELCO $9,730,000 $7,160,000 -26.4% 0.1%
Hometown Lenders, Inc. $695,000 $7,125,000 925.2% 0.1%
5TH STREET CAPITAL, INC. $2,745,000 $7,105,000 158.8% 0.1%
AmeriHome Mortgage Company, LLC $3,355,000 $6,935,000 106.7% 0.1%
SNAPFI, INC. $7,135,000 $6,905,000 -3.2% 0.1%
CANOPY MORTGAGE, LLC $4,495,000 $6,855,000 52.5% 0.1%
INTELLILOAN, INC. $5,090,000 $6,780,000 33.2% 0.1%
CLEARPATH LENDING $13,805,000 $6,715,000 -51.4% 0.1%
PLAZA HOME MORTGAGE, INC. $12,865,000 $6,560,000 -49.0% 0.1%
Prime Choice Funding Inc. $6,890,000 $6,360,000 -7.7% 0.1%
FINANCE OF AMERICA REVERSE LLC $3,125,000 $6,255,000 100.2% 0.1%
GOOGAIN, INC. $5,050,000 $6,120,000 21.2% 0.1%
General Mortgage Capital Corporation $3,435,000 $6,095,000 77.4% 0.1%
PENTAGON FEDERAL CREDIT UNION $2,975,000 $6,045,000 103.2% 0.1%
UNION HOME MORTGAGE CORP. $2,550,000 $5,910,000 131.8% 0.1%
DHI MORTGAGE COMPANY, LTD. $13,400,000 $5,840,000 -56.4% 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $3,805,000 $5,785,000 52.0% 0.1%
Loan Simple, Inc. $2,865,000 $5,690,000 98.6% 0.1%
NEW DAY FINANCIAL, LLC $4,255,000 $5,650,000 32.8% 0.1%
GENEVA FINANCIAL, LLC $2,180,000 $5,245,000 140.6% 0.1%
Wyndham Capital Mortgage, Inc. $4,185,000 $5,230,000 25.0% 0.1%
INSPIRE HOME LOANS INC. $1,810,000 $5,215,000 188.1% 0.1%
ARC HOME LLC $2,950,000 $5,150,000 74.6% 0.1%
NMSI, INC. $4,980,000 $5,120,000 2.8% 0.1%
Stifel Bank and Trust $1,285,000 $5,115,000 298.1% 0.1%
TRAVIS CREDIT UNION $6,265,000 $5,115,000 -18.4% 0.1%
BM Real Estate Services, Inc. $570,000 $4,925,000 764.0% 0.1%
Citibank $8,495,000 $4,705,000 -44.6% 0.1%
SOFI LENDING CORP. $2,500,000 $4,560,000 82.4% 0.1%
SPRING EQ, LLC $2,070,000 $4,545,000 119.6% 0.1%
Mechanics Bank $12,140,000 $4,515,000 -62.8% 0.1%
PRUDENTIAL MULTIFAMILY MORTGAGE, LLC $2,545,000 $4,325,000 69.9% 0.1%
Firefighters First Federal Credit Union $3,175,000 $4,310,000 35.7% 0.1%
CHURCHILL MORTGAGE CORPORATION $6,030,000 $4,255,000 -29.4% 0.1%
REVERSE MORTGAGE FUNDING LLC $1,685,000 $4,220,000 150.4% 0.1%
VELOCITY COMMERCIAL CAPITAL, LLC $805,000 $4,200,000 421.7% 0.1%
LOANSNAP, INC. $1,850,000 $4,035,000 118.1% 0.1%
HighTechLending Inc $2,045,000 $4,020,000 96.6% 0.1%
NEXERA HOLDING LLC $2,390,000 $3,870,000 61.9% 0.1%
PACIFIC SERVICE $4,255,000 $3,855,000 -9.4% 0.1%
ALLIANT CREDIT UNION $1,855,000 $3,785,000 104.0% 0.0%
HOMESIDE FINANCIAL, LLC $3,780,000 $3,785,000 0.1% 0.0%
JMJ FINANCIAL GROUP $1,660,000 $3,700,000 122.9% 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $1,195,000 $3,655,000 205.9% 0.0%
Provident Credit Union $2,790,000 $3,625,000 29.9% 0.0%
LENDUS, LLC $3,655,000 $3,620,000 -1.0% 0.0%
CELEBRITY HOME LOANS, LLC $1,650,000 $3,495,000 111.8% 0.0%
RANLIFE, INC. $1,435,000 $3,495,000 143.6% 0.0%
Operating Engineers Local Union #3 $11,520,000 $3,470,000 -69.9% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $4,805,000 $3,410,000 -29.0% 0.0%
First Savings Bank $5,565,000 $3,375,000 -39.4% 0.0%
LONGBRIDGE FINANCIAL, LLC $175,000 $3,295,000 1,782.9% 0.0%
KELLER MORTGAGE, LLC $3,440,000 $3,270,000 -4.9% 0.0%
JMAC LENDING, INC. $8,745,000 $3,250,000 -62.8% 0.0%
DATA MORTGAGE, INC. $3,435,000 $3,230,000 -6.0% 0.0%
Cf Bank $2,815,000 $3,200,000 13.7% 0.0%
GSF Mortgage Corporation $3,190,000 n/a 0.0%
VERITAS FUNDING, LLC $235,000 $3,175,000 1,251.1% 0.0%
Arvest Bank $3,310,000 $3,170,000 -4.2% 0.0%
HOMEXPRESS MORTGAGE CORP. $205,000 $3,115,000 1,419.5% 0.0%
Barrington Bank & Trust Company, N.A. $5,600,000 $3,065,000 -45.3% 0.0%
Manufacturers and Traders Trust Company $1,245,000 $3,050,000 145.0% 0.0%
Axos Bank $3,040,000 $3,005,000 -1.2% 0.0%
Truist Bank $4,690,000 $3,005,000 -35.9% 0.0%
San Mateo Credit Union $1,095,000 $2,855,000 160.7% 0.0%
ONY GLO, INC. $5,340,000 $2,800,000 -47.6% 0.0%
LENDERFI, INC. $6,350,000 $2,780,000 -56.2% 0.0%
Discover Bank $2,170,000 $2,750,000 26.7% 0.0%
MICHIGAN MUTUAL, INC. $2,670,000 $2,720,000 1.9% 0.0%
MEGA CAPITAL FUNDING, INC. $10,475,000 $2,660,000 -74.6% 0.0%
PREMIER LENDING, INC. $3,190,000 $2,580,000 -19.1% 0.0%
Kwik Mortgage Corporation $1,420,000 $2,565,000 80.6% 0.0%
OPEN MORTGAGE, LLC $1,690,000 $2,550,000 50.9% 0.0%
Figure Lending LLC $1,400,000 $2,540,000 81.4% 0.0%
UNCLE Credit Union $4,120,000 $2,495,000 -39.4% 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $1,185,000 $2,470,000 108.4% 0.0%
Greenbox Loans, Inc. $1,300,000 $2,420,000 86.2% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $1,935,000 $2,400,000 24.0% 0.0%
PARKSIDE LENDING, LLC $7,700,000 $2,380,000 -69.1% 0.0%
UBS Bank USA $2,335,000 n/a 0.0%
Magnolia Bank $2,265,000 $2,260,000 -0.2% 0.0%
United Fidelity Funding Corp. $1,820,000 $2,220,000 22.0% 0.0%
21ST MORTGAGE CORPORATION $2,130,000 $2,155,000 1.2% 0.0%
OAKTREE FUNDING CORP. $1,270,000 $2,135,000 68.1% 0.0%
MORIA DEVELOPMENT, INC. $1,645,000 $2,130,000 29.5% 0.0%
LOANLEADERS OF AMERICA, INC. $4,730,000 $2,120,000 -55.2% 0.0%
SAFE CREDIT UNION $1,835,000 $2,120,000 15.5% 0.0%
Northpointe Bank $1,645,000 $2,085,000 26.7% 0.0%
BEST CAPITAL FUNDING $8,135,000 $2,060,000 -74.7% 0.0%
NexBank $2,200,000 $2,050,000 -6.8% 0.0%
CALCULATED RISK ANALYTICS LLC $3,825,000 $2,040,000 -46.7% 0.0%
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY $1,030,000 $2,015,000 95.6% 0.0%
FISHER FINANCIAL GROUP, INCORPORATED $2,450,000 $2,005,000 -18.2% 0.0%
First Bank $1,850,000 $1,965,000 6.2% 0.0%
Charles Schwab Bank, SSB $635,000 $1,875,000 195.3% 0.0%
VISION ONE MORTGAGE, INC. $1,350,000 $1,835,000 35.9% 0.0%
STANFORD Federal Credit Union $4,180,000 $1,820,000 -56.5% 0.0%
Low VA Rates, LLC $3,885,000 $1,810,000 -53.4% 0.0%
CORNERSTONE HOME LENDING, INC. $1,350,000 $1,765,000 30.7% 0.0%
Bank of England $2,705,000 $1,725,000 -36.2% 0.0%
Quontic Bank $1,710,000 n/a 0.0%
Prosperity Home Mortgage, LLC $2,725,000 $1,690,000 -38.0% 0.0%
WESTERN EXPRESS LENDING $3,215,000 $1,690,000 -47.4% 0.0%
First Mortgage Solutions, LLC $1,625,000 $1,660,000 2.2% 0.0%
Plains Commerce Bank $1,015,000 $1,640,000 61.6% 0.0%
DIGNIFIED HOME LOANS, LLC $2,360,000 $1,635,000 -30.7% 0.0%
SCHOOLSFIRST $1,550,000 $1,635,000 5.5% 0.0%
BECKAM FUNDING CORP. $2,250,000 $1,595,000 -29.1% 0.0%
Financial Partners Credit Union $1,320,000 $1,575,000 19.3% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $5,750,000 $1,570,000 -72.7% 0.0%
HomeTrust Bank $495,000 $1,560,000 215.2% 0.0%
Franklin Loan Corporation $245,000 $1,540,000 528.6% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $4,890,000 $1,535,000 -68.6% 0.0%
COUNTRY CLUB MORTGAGE, INC. $2,015,000 $1,530,000 -24.1% 0.0%
Third Federal Savings and Loan Association of Cleveland $2,570,000 $1,530,000 -40.5% 0.0%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $370,000 $1,515,000 309.5% 0.0%
LENDING 3, INC. $345,000 $1,470,000 326.1% 0.0%
Merchants Bank of Indiana $1,070,000 $1,470,000 37.4% 0.0%
Cornerstone First Mortgage, Inc $265,000 $1,450,000 447.2% 0.0%
ALL WESTERN MORTGAGE, INC. $215,000 $1,410,000 555.8% 0.0%
KeyBank $1,410,000 n/a 0.0%
SANTA CLARA COUNTY $990,000 $1,400,000 41.4% 0.0%
FOUR POINTS $2,095,000 $1,395,000 -33.4% 0.0%
LOANFLIGHT LENDING, LLC $1,070,000 $1,390,000 29.9% 0.0%
PremierOne Credit Union $285,000 $1,385,000 386.0% 0.0%
Florida Capital Bank $805,000 $1,380,000 71.4% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $590,000 $1,375,000 133.1% 0.0%
ATHAS CAPITAL GROUP, INC. $855,000 $1,355,000 58.5% 0.0%
East West Bank $1,355,000 n/a 0.0%
AMCAP MORTGAGE, LTD. $350,000 $1,340,000 282.9% 0.0%
1ST RELIANT HOME LOANS, INC. $1,325,000 n/a 0.0%
First Home Bank $2,180,000 $1,310,000 -39.9% 0.0%
NP, Inc. $1,090,000 $1,305,000 19.7% 0.0%
CHEVRON $715,000 $1,295,000 81.1% 0.0%
HOME APPROVALS DIRECT, INC. $630,000 $1,285,000 104.0% 0.0%
LEADERONE FINANCIAL CORPORATION $1,285,000 n/a 0.0%
CASTLE & COOKE MORTGAGE, LLC $1,275,000 n/a 0.0%
NEW WAVE LENDING GROUP INC $880,000 $1,270,000 44.3% 0.0%
FUNDLOANS CAPITAL $1,260,000 n/a 0.0%
Colonial Savings, F.A. $700,000 $1,225,000 75.0% 0.0%
EMBRACE HOME LOANS, INC. $1,385,000 $1,225,000 -11.6% 0.0%
ADVANCIAL $1,205,000 n/a 0.0%
MERIWEST MORTGAGE COMPANY, LLC $1,585,000 $1,195,000 -24.6% 0.0%
CENTRAL COAST LENDING, INC. $420,000 $1,190,000 183.3% 0.0%
TOWNE MORTGAGE COMPANY $460,000 $1,185,000 157.6% 0.0%
TJC Mortgage, Inc. $2,525,000 $1,165,000 -53.9% 0.0%
Educational Employees Credit Union $370,000 $1,125,000 204.1% 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $1,545,000 $1,120,000 -27.5% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $1,070,000 $1,110,000 3.7% 0.0%
SAFEAMERICA CREDIT UNION $615,000 $1,110,000 80.5% 0.0%
REDWOOD $45,000 $1,100,000 2,344.4% 0.0%
MID-VALLEY SERVICES, INC. $1,335,000 $1,075,000 -19.5% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $2,225,000 $1,070,000 -51.9% 0.0%
The Loan Store, Inc. $2,230,000 $1,055,000 -52.7% 0.0%
UIF CORPORATION $1,045,000 n/a 0.0%
Baxter Credit Union $1,035,000 n/a 0.0%
CIVIC FINANCIAL SERVICES, LLC $735,000 $1,030,000 40.1% 0.0%
WALL FINANCIAL, INC. $1,025,000 n/a 0.0%
UNITED SECURITY FINANCIAL CORP $285,000 $1,020,000 257.9% 0.0%
Banner Bank $850,000 $990,000 16.5% 0.0%
ABSOLUTE HOME MORTGAGE CORPORATION $2,170,000 $970,000 -55.3% 0.0%
SUMMIT MORTGAGE BANKERS INC. $305,000 $965,000 216.4% 0.0%
ANGEL OAK HOME LOANS LLC $415,000 $960,000 131.3% 0.0%
ACCELERATE MORTGAGE, LLC $305,000 $955,000 213.1% 0.0%
EXCITE Credit Union $1,300,000 $955,000 -26.5% 0.0%
A&D Mortgage LLC $690,000 $945,000 37.0% 0.0%
KEYPOINT $520,000 $930,000 78.8% 0.0%
T2 FINANCIAL LLC $1,305,000 $920,000 -29.5% 0.0%
Fifth Third Bank $255,000 $905,000 254.9% 0.0%
First Federal Bank $4,245,000 $885,000 -79.2% 0.0%
NOVA FINANCIAL & INVESTMENT CORPORATION $610,000 $885,000 45.1% 0.0%
TECHNOLOGY $1,240,000 $885,000 -28.6% 0.0%
ROYAL UNITED MORTGAGE LLC $1,890,000 $880,000 -53.4% 0.0%
TCF National Bank $4,415,000 $880,000 -80.1% 0.0%
MEMBER FIRST MORTGAGE, LLC $850,000 n/a 0.0%
MK LENDING CORP. $425,000 $850,000 100.0% 0.0%
MERCO Credit Union $365,000 $845,000 131.5% 0.0%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $845,000 n/a 0.0%
Citizens Bank $1,085,000 $830,000 -23.5% 0.0%
1ST UNITED SERVICES CREDIT UNION $675,000 $825,000 22.2% 0.0%
GUIDANCE RESIDENTIAL, LLC $235,000 $820,000 248.9% 0.0%
MID AMERICA MORTGAGE, INC. $2,015,000 $820,000 -59.3% 0.0%
LENDSURE MORTGAGE CORP. $2,070,000 $795,000 -61.6% 0.0%
UNIFY FINANCIAL Credit Union $260,000 $790,000 203.8% 0.0%
MORTGAGE EXPRESS, LLC $1,190,000 $780,000 -34.5% 0.0%
PARTNERS $105,000 $780,000 642.9% 0.0%
Blue Ridge Bank $770,000 n/a 0.0%
CIT Bank $770,000 n/a 0.0%
EMM LOANS LLC $2,430,000 $755,000 -68.9% 0.0%
QUORUM FEDERAL CREDIT UNION $740,000 $755,000 2.0% 0.0%
Financial Funding Solutions, Inc. $380,000 $750,000 97.4% 0.0%
Sunflower Bank $1,255,000 $745,000 -40.6% 0.0%
GEORGIA'S OWN $720,000 n/a 0.0%
LOGIX FEDERAL CREDIT UNION $1,965,000 $700,000 -64.4% 0.0%
MANN FINANCIAL INC. $700,000 n/a 0.0%
Home Mortgage Alliance Corp $695,000 n/a 0.0%
FJM PRIVATE MORTGAGE FUND, LLC $725,000 $690,000 -4.8% 0.0%
NFM, INC. $1,430,000 $690,000 -51.7% 0.0%
First Republic Bank $745,000 $675,000 -9.4% 0.0%
TIAA, FSB $1,235,000 $670,000 -45.7% 0.0%
TruHome Solutions, LLC $620,000 $655,000 5.6% 0.0%
First Northern Bank of Dixon $1,990,000 $650,000 -67.3% 0.0%
Colten Mortgage, LLC $640,000 n/a 0.0%
AXIA FINANCIAL, LLC $460,000 $635,000 38.0% 0.0%
MOCSE Federal Credit Union $610,000 $630,000 3.3% 0.0%
Constant Investments, Inc. $620,000 n/a 0.0%
DAS Acquisition Company, LLC $620,000 n/a 0.0%
ALLIED MORTGAGE GROUP, INC. $615,000 n/a 0.0%
BNC National Bank $1,535,000 $610,000 -60.3% 0.0%
City National Bank $850,000 $605,000 -28.8% 0.0%
AHL FUNDING $2,480,000 $590,000 -76.2% 0.0%
FIRST TECHNOLOGY $1,590,000 $585,000 -63.2% 0.0%
Mid-Continent Funding, Inc. $565,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $670,000 $565,000 -15.7% 0.0%
FAY SERVICING, LLC $560,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $1,805,000 $555,000 -69.3% 0.0%
EAGLE HOME MORTGAGE, LLC $865,000 $545,000 -37.0% 0.0%
HomePromise Corporation $235,000 $545,000 131.9% 0.0%
Luxury Mortgage Corp. $545,000 n/a 0.0%
COMMUNITY MORTGAGE FUNDING, LLC $460,000 $540,000 17.4% 0.0%
Advisors Mortgage Group, L.L.C. $460,000 $530,000 15.2% 0.0%
CONTOUR MORTGAGE CORPORATION $1,095,000 $530,000 -51.6% 0.0%
Northwest Federal Credit Union $530,000 n/a 0.0%
MERIWEST $490,000 $515,000 5.1% 0.0%
Wallick & Volk, Inc. $510,000 n/a 0.0%
Downey Federal Credit Union $505,000 n/a 0.0%
HOME FUNDING CORPORATION $500,000 n/a 0.0%
Neighborhood Loans, Inc. $520,000 $500,000 -3.8% 0.0%
American Bank of Oklahoma $495,000 n/a 0.0%
COMPASS MORTGAGE, INC. $485,000 n/a 0.0%
Goldwater Bank, N.A. $485,000 n/a 0.0%
ST FIN CORP $325,000 $480,000 47.7% 0.0%
First State Bank of St. Charles, Missouri $475,000 n/a 0.0%
The Home Loan Expert LLC $475,000 n/a 0.0%
DIRECT MORTGAGE, CORP. $2,690,000 $470,000 -82.5% 0.0%
LIBERTY HOME MORTGAGE CORPORATION $470,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $1,660,000 $470,000 -71.7% 0.0%
BLUELEAF LENDING, LLC $465,000 n/a 0.0%
Chicago Mortgage Solutions LLC $465,000 n/a 0.0%
GRANITE FEDERAL CREDIT UNION $465,000 n/a 0.0%
U S WIDE FINANCIAL LLC $465,000 n/a 0.0%
Waterstone Mortgage Corporation $445,000 $465,000 4.5% 0.0%
Alaska USA Federal Credit Union $845,000 $460,000 -45.6% 0.0%
FIRST COMMUNITY MORTGAGE, INC. $455,000 n/a 0.0%
NATIONS RELIABLE LENDING, LLC $255,000 $455,000 78.4% 0.0%
V.I.P. MORTGAGE, INC. $175,000 $455,000 160.0% 0.0%
LANTZMAN MANAGEMENT, INC. $205,000 $450,000 119.5% 0.0%
ALL REVERSE MORTGAGE, INC. $765,000 $445,000 -41.8% 0.0%
SIWELL, INC. $335,000 $435,000 29.9% 0.0%
MACKILLIE INCORPORATED $425,000 n/a 0.0%
MLD MORTGAGE INC. $545,000 $420,000 -22.9% 0.0%
MORTGAGE CAPITAL PARTNERS, INC. $415,000 n/a 0.0%
BAY $310,000 $410,000 32.3% 0.0%
DIGITAL Federal Credit Union $480,000 $410,000 -14.6% 0.0%
USE Credit Union $395,000 $410,000 3.8% 0.0%
Ameris Bank $460,000 $405,000 -12.0% 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $870,000 $400,000 -54.0% 0.0%
Raymond James Bank $670,000 $395,000 -41.0% 0.0%
EQUITY WAVE LENDING, INC. $390,000 n/a 0.0%
NORWICH COMMERCIAL GROUP, INC. $390,000 n/a 0.0%
MORTGAGEONE, INC. $385,000 n/a 0.0%
SRE MORTGAGE ALLIANCE INC. $1,370,000 $385,000 -71.9% 0.0%
The Central Trust Bank $385,000 n/a 0.0%
Ixonia Bank $375,000 n/a 0.0%
Princeton Mortgage Corporation $375,000 n/a 0.0%
BELEM SERVICING LLC $750,000 $365,000 -51.3% 0.0%
S&S Financial $245,000 $365,000 49.0% 0.0%
UNITED $365,000 n/a 0.0%
Connexus Credit Union $340,000 $360,000 5.9% 0.0%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $890,000 $355,000 -60.1% 0.0%
Servion, Inc. $880,000 $355,000 -59.7% 0.0%
FEDERATED MORTGAGE CORP. $345,000 n/a 0.0%
LHM FINANCIAL CORPORATION $345,000 n/a 0.0%
ML Mortgage Corp. $470,000 $340,000 -27.7% 0.0%
THE POLICE Credit Union $490,000 $340,000 -30.6% 0.0%
FIRST ALLIANCE HOME MORTGAGE, LLC $335,000 n/a 0.0%
KINECTA $2,685,000 $330,000 -87.7% 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,465,000 $330,000 -77.5% 0.0%
iCore Lending, Inc. $325,000 n/a 0.0%
Paramount Bank $390,000 $325,000 -16.7% 0.0%
COAST 2 COAST FUNDING GROUP, INC. $155,000 $320,000 106.5% 0.0%
DIRECTORS MORTGAGE, INC. $315,000 n/a 0.0%
Equity Bank $315,000 n/a 0.0%
RMS & Associates $315,000 n/a 0.0%
Lend Smart Mortgage, LLC $310,000 n/a 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $540,000 $305,000 -43.5% 0.0%
Century Mortgage Company DBA Century Lending Company $305,000 n/a 0.0%
CITYWIDE HOME LOANS, LLC $375,000 $305,000 -18.7% 0.0%
Crestline Funding Corporation $305,000 n/a 0.0%
GOLDEN WEST ALLIANCE, INC. $425,000 $305,000 -28.2% 0.0%
FIRST CENTENNIAL MORTGAGE CORPORATION $970,000 $295,000 -69.6% 0.0%
KS StateBank $2,365,000 $295,000 -87.5% 0.0%
UMB Bank $185,000 $295,000 59.5% 0.0%
Bethpage Federal Credit Union $290,000 n/a 0.0%
GoPrime Mortgage, Inc. $865,000 $285,000 -67.1% 0.0%
INTERCAP LENDING INC. $935,000 $285,000 -69.5% 0.0%
ANDREWS FEDERAL CREDIT UNION $235,000 $275,000 17.0% 0.0%
Bank of Utah $750,000 $275,000 -63.3% 0.0%
CAMPOS FINANCIAL CORP. $460,000 $275,000 -40.2% 0.0%
FEDEX EMPLOYEES CREDIT ASSOCIATION $275,000 n/a 0.0%
FIRST COLONY MORTGAGE CORPORATION $275,000 n/a 0.0%
I.L.W.U. CREDIT UNION $275,000 n/a 0.0%
Residential Mortgage Solutions, Inc. $345,000 $275,000 -20.3% 0.0%
Texana Bank $305,000 $275,000 -9.8% 0.0%
F&A Federal Credit Union $25,000 $265,000 960.0% 0.0%
Visio Financial Services Inc. $265,000 n/a 0.0%
PRIMUS LENDING CORP. $375,000 $255,000 -32.0% 0.0%
SILVER HILL FUNDING, LLC $655,000 $255,000 -61.1% 0.0%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $245,000 n/a 0.0%
Budget Mortgage Corp. $235,000 n/a 0.0%
PIKE CREEK MORTGAGE SERVICES, INC. $235,000 n/a 0.0%
BKCO MORTGAGE, LLC $225,000 n/a 0.0%
NORTHROP GRUMMAN Federal Credit Union $225,000 n/a 0.0%
Signature Federal Credit Union $225,000 n/a 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $1,135,000 $215,000 -81.1% 0.0%
Boeing Employees Credit Union $425,000 $215,000 -49.4% 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $215,000 n/a 0.0%
VALLEY STRONG CREDIT UNION $210,000 n/a 0.0%
AMERICAN FINANCE HOUSE LARIBA $315,000 $205,000 -34.9% 0.0%
CHU & ASSOCIATES, INC. $205,000 n/a 0.0%
MORTGAGE 2000, INC. $185,000 n/a 0.0%
Republic Bank & Trust Company $185,000 n/a 0.0%
SAN FRANCISCO FEDERAL CREDIT UNION $185,000 n/a 0.0%
Cathay Bank $175,000 n/a 0.0%
Deere Employees Credit Union $350,000 $170,000 -51.4% 0.0%
Fidelity Bank $170,000 n/a 0.0%
AMERICAN FIRST $245,000 $165,000 -32.7% 0.0%
Peoples Bank $540,000 $165,000 -69.4% 0.0%
American Airlines Federal Credit Union $155,000 n/a 0.0%
American Riviera Bank $205,000 $155,000 -24.4% 0.0%
FRONTWAVE $85,000 $155,000 82.4% 0.0%
SOUTHWEST STAGE FUNDING, LLC $115,000 $155,000 34.8% 0.0%
Deseret First Credit Union $535,000 $135,000 -74.8% 0.0%
T. J. FINANCIAL, INC. $135,000 n/a 0.0%
WESCOM CENTRAL CREDIT UNION $55,000 $125,000 127.3% 0.0%
COASTHILLS $115,000 n/a 0.0%
ADVANTIS $105,000 n/a 0.0%
California Coast Credit Union $105,000 n/a 0.0%
SAN FRANCISCO FIRE CREDIT UNION $260,000 $105,000 -59.6% 0.0%
SACRAMENTO Credit Union $75,000 n/a 0.0%
GREAT LAKES $150,000 $70,000 -53.3% 0.0%
The Huntington National Bank $215,000 $45,000 -79.1% 0.0%
United States Senate Federal Credit Union $110,000 $45,000 -59.1% 0.0%

MODESTO's top lender by overall market share is QUICKEN LOANS, LLC, with 10.1% market share. In second place, with 9.2%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $700,590,000 in loans. In third place, with 5.4%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $414,560,000 in loans. In third place, with 3.6%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $271,445,000 in loans. In third place, with 3.3%, is LOANDEPOT.COM, LLC, having originated $254,885,000 in loans.


MODESTO, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 10,328 $2,884,980,000 $279,336
Cash Out Refi 7,479 $2,106,525,000 $281,659
Home Purchase 6,962 $2,507,790,000 $360,211
Home Improvement 450 $64,890,000 $144,200
Other 336 $47,080,000 $140,119
NA 2 $450,000 $225,000

Modesto's most frequently cited loan purpose was Refi, with 10,328 originations. The 2nd most popular reason was Cash Out Refi, with 7,479 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 10,626 $3,130,660,000 $294,623
3-4% 9,093 $2,893,785,000 $318,243
<2.5% 4,432 $1,157,370,000 $261,139
4-5% 693 $256,265,000 $369,791
5-6% 182 $40,960,000 $225,055
6-7% 88 $13,070,000 $148,523
7-8% 82 $12,630,000 $154,024
Over 8% 73 $9,455,000 $129,521

During 2021, Modesto's most frequently originated rate bucket was 2.5-3%, with 10,626 originations.

Loan Sizing (MODESTO, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 15,768 $4,642,440,000 $294,422
$100k-200k 4,422 $692,570,000 $156,619
$400k-600k 3,792 $1,749,660,000 $461,408
$100,000 or less 1,227 $63,535,000 $51,781
$600k-1000k 268 $193,290,000 $721,231
$Over $1MM 80 $270,220,000 $3,377,750

MODESTO's loan sizing saw the bucket of loans from $200k-400k with 15,768 originations, totaling $4,642,440,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 9,007 $3,021,485,000 $335,460
80-100% 6,567 $2,432,845,000 $370,465
40-60% 5,519 $1,318,545,000 $238,910
20-40% 2,247 $344,225,000 $153,193
Under 20% 891 $54,395,000 $61,049
Over 100% 126 $75,020,000 $595,397

MODESTO's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 9,007 originations, totaling $3,021,485,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)