MODESTO Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Modesto averaged 6.77% for the week of 2024-05-16, compared to the national average of 7.02% for the same period.

The average rate for the prior week (2024-05-09) was 7.04% and one month ago for the week of 2024-04-11, the average rate was 6.73%.

Modesto's average rate one year ago was 6.4%.

For refis of the same type during the week of 2024-05-16, the average rate was 7.33%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-05-16 7.02%
Modesto 30 Year Fixed Rate 2024-05-16 6.77%
Modesto 30 Year Fixed Rate Refi 2024-05-16 7.33%
Modesto 15 Year Fixed Rate 2024-05-16 6.38%
Modesto 15 Year Fixed Rate Refi 2024-05-16 6.18%
Modesto 30 Year FHA 2024-05-16 6.61%
Modesto 30 Year FHA Refi 2024-05-16 6.54%
Modesto 30 Year USDA 2024-05-16 6.55%
Modesto 30 Year USDA Refi 2024-05-16 6.55%
Modesto 30 Year VA 2024-05-16 6.15%
Modesto 30 Year VA Refi 2024-05-16 6.5%
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 lender, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 384 6.65% $9,593
QUICKEN LOANS, LLC 263 6.77% $8,040
AMERICAN PACIFIC MORTGAGE CORPORATION 150 6.71% $9,912
CROSSCOUNTRY MORTGAGE, LLC 143 6.84% $9,053
SCENIC OAKS FUNDING, INC. 74 6.73% $10,855
KBHS HOME LOANS, LLC 73 6.06% $13,521
ACADEMY MORTGAGE CORPORATION 72 6.74% $10,035
Century Mortgage Company DBA Century Lending Company 60 6.85% $10,108
Northpointe Bank 58 5.87% $8,847
LOANDEPOT.COM, LLC 53 6.72% $10,704
JPMorgan Chase Bank 52 6.84% $6,837
S1L, Inc. 46 6.76% $10,022
AMERICAN FINANCIAL NETWORK, INC. 36 6.60% $10,820
Wells Fargo Bank 35 6.56% $4,444
DHI MORTGAGE COMPANY, LTD. 34 5.17% $4,426
Sierra Pacific Mortgage Company, Inc. 26 6.77% $9,278
BMO Harris Bank 24 6.37% $5,509
Valley First Credit Union 24 6.07% $6,001
GUARANTEED RATE, INC. 24 6.90% $7,910
Bank of America 21 6.37% $5,052
Mr. Cooper ( Nationstar Mortgage ) 21 6.51% $10,474
CARDINAL FINANCIAL 21 6.83% $10,059
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 20 6.38% $9,934
U.S. Bank 20 6.43% $9,180
Paramount Residential Mortgage Group, Inc. 20 6.90% $10,902
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 19 6.00% $6,869
SUMMIT FUNDING, INC. 19 6.51% $13,699
RESIDENTIAL BANCORP 18 7.01% $11,645
ENVOY MORTGAGE, LTD 17 6.35% $9,581
The Loan Store, Inc. 16 6.94% $8,298
PRIMELENDING, A PLAINSCAPITAL COMPANY 15 7.10% $6,935
DIRECTIONS EQUITY, LLC 15 6.88% $7,404
ALAMEDA MORTGAGE CORPORATION 14 7.06% $9,120
PRIMARY RESIDENTIAL MORTGAGE, INC. 13 6.77% $10,963
MLD MORTGAGE INC. 13 6.36% $5,783
GUILD MORTGAGE COMPANY 13 6.67% $7,905
OCMBC, INC. 12 7.96% $19,409
PROVIDENT FUNDING ASSOCIATES, L.P. 11 6.73% $6,027
BROKER SOLUTIONS, INC. 11 6.98% $9,235
EVERETT FINANCIAL, INC. 10 6.83% $10,054
HOMEBRIDGE FINANCIAL SERVICES, INC. 10 7.01% $8,962
First National Bank of America 10 9.94% $12,372
Citadel Servicing Corporation 10 8.72% $11,974
LAND HOME FINANCIAL SERVICES, INC. 10 6.91% $11,862
CMG MORTGAGE, INC. 10 6.58% $8,408
THE GOLDEN 1 10 7.00% $4,000
PNC Bank 9 6.47% $7,116
MASON MCDUFFIE MORTGAGE CORPORATION 9 7.25% $8,826
Golden Empire Mortgage, Inc. 8 6.75% $10,527
NEXERA HOLDING LLC 8 8.42% $12,061
STAR ONE CREDIT UNION 8 6.31% $3,076
Flagstar Bank, FSB 8 6.84% $9,071
FBC MORTGAGE, LLC 7 7.21% $7,131
CHURCHILL MORTGAGE CORPORATION 7 3.11% $6,451
NEWREZ LLC 7 7.43% $8,646
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 7 6.95% $8,953
FREEDOM MORTGAGE CORPORATION 6 7.33% $7,547
Quontic Bank 6 9.29% $12,695
ZILLOW HOME LOANS, LLC 6 6.29% $6,617
SNAPFI, INC. 5 6.55% $9,328
Citibank 5 6.73% $4,883
Fremont Bank 5 7.48% $3,200
NEW WAVE LENDING GROUP INC 5 7.85% $7,434
NATIONS DIRECT MORTGAGE, LLC 5 8.08% $11,953
CALCON MUTUAL MORTGAGE LLC 4 6.69% $14,943
NP, Inc. 4 9.03% $16,680
Hometown Equity Mortgage, LLC 4 7.31% $9,605
Performance Financial, Inc. 4 6.38% $14,417
NMSI, INC. 4 6.81% $7,909
ROYAL UNITED MORTGAGE LLC 4 7.13% $8,710
TOWNE MORTGAGE COMPANY 4 6.75% $13,013
SCHOOLSFIRST 4 6.41% $3,153
SUN WEST MORTGAGE COMPANY, INC. 4 7.25% $5,627
LOANPAL, LLC 4 6.03% $11,370
PENNYMAC LOAN SERVICES, LLC 4 6.49% $7,357
ARC HOME LLC 4 8.53% $8,469
Ameris Bank 3 7.04% $4,918
AMERISAVE MORTGAGE CORPORATION 3 6.66% $14,850
MK LENDING CORP. 3 7.50% $13,567
MOCSE Federal Credit Union 3 6.21% $7,904
LENDSURE MORTGAGE CORP. 3 8.33% $32,939
Educational Employees Credit Union 3 5.75% $3,060
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 3 7.66% $13,640
Cornerstone First Mortgage, Inc 3 7.87% $9,665
Provident Credit Union 3 5.21% $3,637
Commerce Home Mortgage, Inc. 3 8.67% $8,846
AHL FUNDING 3 7.13% $14,628
BETTER MORTGAGE CORPORATION 3 6.25% $3,951
BAY EQUITY LLC 3 6.58% $8,410
Bank of the West 3 5.79% $4,058
GOOGAIN, INC. 3 7.46% $9,281
Axos Bank 3 7.29% $5,835
AXIA FINANCIAL, LLC 3 6.88% $7,978
Umpqua Bank 3 7.08% $6,118
ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 7.12% $7,162
HOMEOWNERS FINANCIAL GROUP USA, LLC 3 6.71% $12,100
PLAZA HOME MORTGAGE, INC. 2 6.81% $7,151
A&D Mortgage LLC 2 6.31% $10,674
Ally Bank 2 7.50% $3,185
BNC National Bank 2 5.50% $6,621
CANOPY MORTGAGE, LLC 2 6.50% $12,045
Charles Schwab Bank, SSB 2 5.53% $4,584
DEEPHAVEN MORTGAGE LLC 2 8.38% $9,613
Franklin Loan Corporation 2 7.81% $11,372
GUARANTY HOME MORTGAGE CORPORATION 2 6.56% $6,633
LAKEVIEW LOAN SERVICING, LLC 2 6.31% $12,319
LEADERONE FINANCIAL CORPORATION 2 6.81% $5,863
MICHIGAN MUTUAL, INC. 2 6.13% $5,424
ML Mortgage Corp. 2 6.63% $6,695
Morgan Stanley Private Bank 2 6.08% $3,786
NBKC BANK 2 7.44% $3,884
NETWORK CAPITAL FUNDING CORPORATION 2 6.00% $7,083
NFM, INC. 2 7.00% $17,032
ON Q FINANCIAL, INC. 2 7.31% $16,305
PACIFIC RESIDENTIAL MORTGAGE, LLC 2 7.13% $5,255
Plains Commerce Bank 2 6.00% $6,151
Prosperity Home Mortgage, LLC 2 5.94% $8,715
RESIDENTIAL WHOLESALE MORTGAGE, INC. 2 7.00% $8,711
SAFE CREDIT UNION 2 6.31% $3,443
Stifel Bank and Trust 2 5.38% $2,392
Tri Counties Bank 2 7.06% $4,531
Truist 2 5.68% $6,279
Watermark Capital, Inc. 2 6.56% $5,052
KD CAPITAL MORTGAGE CORPORATION 1 6.25% $7,312
INTELLILOAN, INC. 1 6.75% $3,819
United Fidelity Funding Corp. 1 6.38% $7,842
INFINITY EQUITY GROUP, INC. 1 7.63% $6,101
HOMEXPRESS MORTGAGE CORP. 1 9.50% $15,672
HOMESIDE FINANCIAL, LLC 1 7.63% $4,349
HighTechLending Inc 1 7.38% $6,070
Old Second National Bank 1 6.63% $4,284
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 8.63% $5,176
Operating Engineers Local Union #3 1 5.88% $3,888
AmeriHome Mortgage Company, LLC 1 5.99% $8,368
PACIFIC SERVICE 1 6.63% $3,193
GUARANTEED RATE AFFINITY, LLC 1 7.40% $8,359
PATELCO 1 6.63% $4,512
General Mortgage Capital Corporation 1 6.50% $5,508
PENTAGON FEDERAL CREDIT UNION 1 5.63% $4,099
First Savings Bank 1 6.88% $16,112
PHH Mortgage Corporation 1 5.63% $9,801
American Mortgage & Equity Consultants, Inc. 1 6.38% $14,167
5TH STREET CAPITAL, INC. 1 8.75% $21,533
First Republic Bank 1 5.50% $5,987
PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.99% $11,438
First-Citizens Bank & Trust Company 1 6.00% $7,311
First Bank 1 5.88% $4,058
Vellum Mortgage, Inc. 1 7.99% $3,916
EAGLE HOME MORTGAGE, LLC 1 5.75% $3,568
Discover Bank 1 6.99% $0
DIGNIFIED HOME LOANS, LLC 1 6.25% $6,916
DATA MORTGAGE, INC. 1 6.88% $10,313
Raymond James Bank 1 6.00% $3,903
DAS Acquisition Company, LLC 1 6.13% $11,909
VISION ONE MORTGAGE, INC. 1 6.50% $10,792
Constant Investments, Inc. 1 6.50% $7,827
COMMUNITY MORTGAGE FUNDING, LLC 1 6.38% $3,911
Zions Bank 1 7.38% $1,570
SALAL 1 6.88% $8,017
SANDIA LABORATORY 1 5.88% $3,348
Citizens Bank 1 6.38% $4,758
CHERRY CREEK MORTGAGE, LLC 1 6.00% $700
CBC Federal Credit Union 1 6.50% $9,622
SIRVA MORTGAGE, INC. 1 6.63% $0
Cathay Bank 1 6.13% $3,618
Carrington Mortgage Services, LLC 1 5.88% $10,510
AMERICAN FINANCING CORPORATION 1 6.99% $7,087
CALIBER HOME LOANS, INC. 1 6.99% $5,067
BECKAM FUNDING CORP. 1 6.38% $25,611
TECHNOLOGY 1 7.38% $3,803
BAY-VALLEY MORTGAGE GROUP 1 7.38% $11,443
Barrington Bank & Trust Company, N.A. 1 8.25% $5,087
BANC ONE MORTGAGE CORPORATION 1 5.75% $7,508
MEMBER FIRST MORTGAGE, LLC 1 6.00% $7,948
Merchants Bank of Indiana 1 7.25% $3,293
MERCO Credit Union 1 6.25% $12,788
TRAVIS CREDIT UNION 1 6.63% $4,441
MEGASTAR FINANCIAL CORP. 1 6.38% $7,287
Mechanics Bank 1 6.63% $3,037
WESCOM CENTRAL CREDIT UNION 1 6.88% $5,597
MANN FINANCIAL INC. 1 7.25% $7,202
ALTITUDE FINANCIAL CORPORATION 1 6.50% $550
MOVEMENT MORTGAGE, LLC 1 8.06% $4,028
LENOX FINANCIAL MORTGAGE CORPORATION 1 7.25% $5,464
LADERA LENDING, INC. 1 6.50% $10,189
NAVY FEDERAL CREDIT UNION 1 4.75% $1,386
AUGUSTA FINANCIAL, INC. 1 6.62% $5,701
UNION HOME MORTGAGE CORP. 1 5.88% $5,266
Keystone Funding, Inc. 1 7.63% $11,743

MODESTO Average Closing Costs & Other Stats

MODESTO, CA's 189 lenders originated 6,008 loans during 2023. The total origination value was $1,963,300,000, with an average loan value of $326,781.

MODESTO's average closing costs are $6,347.

The top MODESTO lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 384 loans originated. Their average total fees are $9,593, which is $1,553 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee MODESTO lenders (with over 10 loans originated) are THE GOLDEN 1 ($4,000), DHI MORTGAGE COMPANY, LTD. ($4,426), Wells Fargo Bank ($4,444), Bank of America ($5,052) and BMO Harris Bank ($5,509).

The lowest rate MODESTO lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.17%), Northpointe Bank (5.87%), K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. (6.00%), KBHS HOME LOANS, LLC (6.06%) and Valley First Credit Union (6.07%).

MODESTO, 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
UNITED WHOLESALE MORTGAGE, LLC $371,390,000 $262,655,000 -29.3% 13.4%
QUICKEN LOANS, LLC $284,640,000 $157,985,000 -44.5% 8.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $189,180,000 $96,935,000 -48.8% 4.9%
CROSSCOUNTRY MORTGAGE, LLC $157,935,000 $88,835,000 -43.8% 4.5%
JPMorgan Chase Bank $66,655,000 $55,410,000 -16.9% 2.8%
Century Mortgage Company DBA Century Lending Company $14,420,000 $55,130,000 282.3% 2.8%
ACADEMY MORTGAGE CORPORATION $73,305,000 $51,940,000 -29.1% 2.6%
SCENIC OAKS FUNDING, INC. $100,530,000 $51,665,000 -48.6% 2.6%
KBHS HOME LOANS, LLC $39,720,000 $48,390,000 21.8% 2.5%
LOANDEPOT.COM, LLC $98,440,000 $40,285,000 -59.1% 2.1%
WALKER & DUNLOP, LLC $17,300,000 $34,720,000 100.7% 1.8%
Northpointe Bank $14,170,000 $33,580,000 137.0% 1.7%
S1L, Inc. $59,370,000 $33,255,000 -44.0% 1.7%
Wells Fargo Bank $59,015,000 $31,350,000 -46.9% 1.6%
East West Bank $2,475,000 $30,005,000 1,112.3% 1.5%
Bank of America $39,320,000 $26,975,000 -31.4% 1.4%
AMERICAN FINANCIAL NETWORK, INC. $24,505,000 n/a 1.2%
CARDINAL FINANCIAL $10,320,000 $23,200,000 124.8% 1.2%
GUARANTEED RATE, INC. $20,130,000 $21,645,000 7.5% 1.1%
DHI MORTGAGE COMPANY, LTD. $26,125,000 $21,500,000 -17.7% 1.1%
U.S. Bank $42,955,000 $19,865,000 -53.8% 1.0%
SUMMIT FUNDING, INC. $41,900,000 $19,565,000 -53.3% 1.0%
Paramount Residential Mortgage Group, Inc. $23,110,000 $19,430,000 -15.9% 1.0%
Mortgage Research Center, LLC $26,165,000 $18,475,000 -29.4% 0.9%
Citibank $2,050,000 $18,230,000 789.3% 0.9%
RESIDENTIAL BANCORP $21,890,000 $17,740,000 -19.0% 0.9%
Farmers & Merchants Bank of Central California $30,905,000 $17,160,000 -44.5% 0.9%
PNC Bank $22,320,000 $16,955,000 -24.0% 0.9%
ENVOY MORTGAGE, LTD $27,285,000 $16,950,000 -37.9% 0.9%
Golden Empire Mortgage, Inc. $23,190,000 $16,255,000 -29.9% 0.8%
Sierra Pacific Mortgage Company, Inc. $10,425,000 $15,395,000 47.7% 0.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $56,645,000 $14,285,000 -74.8% 0.7%
THE GOLDEN 1 $21,000,000 $14,125,000 -32.7% 0.7%
BMO Harris Bank $1,175,000 $14,000,000 1,091.5% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $47,640,000 $13,680,000 -71.3% 0.7%
Commerce Home Mortgage, Inc. $26,270,000 $11,900,000 -54.7% 0.6%
PENNYMAC LOAN SERVICES, LLC $38,380,000 $11,685,000 -69.6% 0.6%
BROKER SOLUTIONS, INC. $20,625,000 $11,085,000 -46.3% 0.6%
GUILD MORTGAGE COMPANY $22,290,000 $10,765,000 -51.7% 0.5%
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. $17,435,000 $10,245,000 -41.2% 0.5%
ALAMEDA MORTGAGE CORPORATION $12,810,000 $9,715,000 -24.2% 0.5%
LENDINGHOME FUNDING CORPORATION $17,975,000 $9,345,000 -48.0% 0.5%
Valley First Credit Union $20,085,000 $9,295,000 -53.7% 0.5%
OCMBC, INC. $6,235,000 $9,095,000 45.9% 0.5%
Bank of Stockton $4,100,000 $8,155,000 98.9% 0.4%
HOMEBRIDGE FINANCIAL SERVICES, INC. $21,815,000 $8,070,000 -63.0% 0.4%
PRIMELENDING, A PLAINSCAPITAL COMPANY $32,395,000 $7,480,000 -76.9% 0.4%
LAND HOME FINANCIAL SERVICES, INC. $9,480,000 $7,220,000 -23.8% 0.4%
Flagstar Bank, FSB $22,465,000 $7,160,000 -68.1% 0.4%
PRIMARY RESIDENTIAL MORTGAGE, INC. $16,230,000 $7,145,000 -56.0% 0.4%
FREEDOM MORTGAGE CORPORATION $42,280,000 $6,960,000 -83.5% 0.4%
Citadel Servicing Corporation $9,050,000 $6,945,000 -23.3% 0.4%
MLD MORTGAGE INC. $6,195,000 $6,595,000 6.5% 0.3%
DIRECTIONS EQUITY, LLC $11,415,000 $6,340,000 -44.5% 0.3%
Figure Lending LLC $4,990,000 $6,005,000 20.3% 0.3%
NEWREZ LLC $17,745,000 $5,945,000 -66.5% 0.3%
EVERETT FINANCIAL, INC. $21,350,000 $5,925,000 -72.2% 0.3%
Discover Bank $3,460,000 $5,890,000 70.2% 0.3%
The Loan Store, Inc. $5,845,000 n/a 0.3%
SUN WEST MORTGAGE COMPANY, INC. $13,455,000 $5,730,000 -57.4% 0.3%
CMG MORTGAGE, INC. $13,675,000 $5,570,000 -59.3% 0.3%
Self-Help Federal Credit Union $3,250,000 $5,560,000 71.1% 0.3%
Hometown Equity Mortgage, LLC $3,625,000 $5,415,000 49.4% 0.3%
Umpqua Bank $12,630,000 $5,060,000 -59.9% 0.3%
NATIONS DIRECT MORTGAGE, LLC $9,880,000 $4,885,000 -50.6% 0.2%
NAVY FEDERAL CREDIT UNION $12,245,000 $4,785,000 -60.9% 0.2%
MASON MCDUFFIE MORTGAGE CORPORATION $8,285,000 $4,510,000 -45.6% 0.2%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $2,170,000 $4,400,000 102.8% 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $3,815,000 $4,300,000 12.7% 0.2%
NEXERA HOLDING LLC $3,845,000 $4,275,000 11.2% 0.2%
STAR ONE CREDIT UNION $5,330,000 $4,220,000 -20.8% 0.2%
Greenbox Loans, Inc. $1,915,000 $4,135,000 115.9% 0.2%
LIMA ONE CAPITAL, LLC $4,050,000 n/a 0.2%
SAFE CREDIT UNION $625,000 $3,960,000 533.6% 0.2%
AMERISAVE MORTGAGE CORPORATION $26,630,000 $3,765,000 -85.9% 0.2%
CALCON MUTUAL MORTGAGE LLC $3,205,000 $3,725,000 16.2% 0.2%
NFM, INC. $8,360,000 $3,710,000 -55.6% 0.2%
Performance Financial, Inc. $3,675,000 n/a 0.2%
LENDSURE MORTGAGE CORP. $1,535,000 $3,620,000 135.8% 0.2%
First National Bank of America $2,470,000 $3,610,000 46.2% 0.2%
CHURCHILL MORTGAGE CORPORATION $3,235,000 $3,500,000 8.2% 0.2%
Fremont Bank $7,965,000 $3,500,000 -56.1% 0.2%
21ST MORTGAGE CORPORATION $4,150,000 $3,495,000 -15.8% 0.2%
Equity Prime Mortgage LLC $6,550,000 $3,360,000 -48.7% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $5,580,000 $3,315,000 -40.6% 0.2%
Carrington Mortgage Services, LLC $7,805,000 $3,285,000 -57.9% 0.2%
TRIAD FINANCIAL SERVICES, INC. $2,655,000 $3,220,000 21.3% 0.2%
Tri Counties Bank $20,930,000 $3,175,000 -84.8% 0.2%
PATELCO $5,485,000 $3,130,000 -42.9% 0.2%
ALLIANT CREDIT UNION $3,660,000 $3,105,000 -15.2% 0.2%
FBC MORTGAGE, LLC $8,995,000 $3,070,000 -65.9% 0.2%
HOMEXPRESS MORTGAGE CORP. $5,910,000 $2,800,000 -52.6% 0.1%
PLAZA HOME MORTGAGE, INC. $2,885,000 $2,705,000 -6.2% 0.1%
ON Q FINANCIAL, INC. $2,500,000 n/a 0.1%
VILLAGE CAPITAL MORTGAGE $3,830,000 $2,475,000 -35.4% 0.1%
BETTER MORTGAGE CORPORATION $11,620,000 $2,385,000 -79.5% 0.1%
ARC HOME LLC $2,415,000 $2,300,000 -4.8% 0.1%
FINANCE OF AMERICA REVERSE LLC $7,575,000 $2,290,000 -69.8% 0.1%
NEW WAVE LENDING GROUP INC $1,335,000 $2,285,000 71.2% 0.1%
First Republic Bank $7,700,000 $2,245,000 -70.8% 0.1%
SNAPFI, INC. $2,710,000 $2,235,000 -17.5% 0.1%
ZILLOW HOME LOANS, LLC $2,190,000 $2,165,000 -1.1% 0.1%
ML Mortgage Corp. $910,000 $2,140,000 135.2% 0.1%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $7,915,000 $2,115,000 -73.3% 0.1%
MOCSE Federal Credit Union $2,415,000 $2,110,000 -12.6% 0.1%
AMWEST FUNDING CORP. $6,135,000 $2,060,000 -66.4% 0.1%
SCHOOLSFIRST $1,670,000 $2,060,000 23.4% 0.1%
SPRING EQ, LLC $9,650,000 $2,055,000 -78.7% 0.1%
Educational Employees Credit Union $1,430,000 $1,990,000 39.2% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $1,980,000 $1,980,000 0.0% 0.1%
Quontic Bank $1,690,000 $1,980,000 17.2% 0.1%
VAL-CHRIS INVESTMENTS, INC. $1,980,000 n/a 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $9,045,000 $1,960,000 -78.3% 0.1%
Prosperity Home Mortgage, LLC $795,000 $1,935,000 143.4% 0.1%
AXIA FINANCIAL, LLC $1,505,000 $1,895,000 25.9% 0.1%
TOWNE MORTGAGE COMPANY $1,870,000 n/a 0.1%
Coastal Community Bank $1,855,000 n/a 0.1%
A&D Mortgage LLC $1,225,000 $1,840,000 50.2% 0.1%
BAY EQUITY LLC $4,400,000 $1,830,000 -58.4% 0.1%
PHH Mortgage Corporation $11,415,000 $1,810,000 -84.1% 0.1%
ALLIED MORTGAGE GROUP, INC. $315,000 $1,710,000 442.9% 0.1%
PLANET HOME LENDING, LLC $8,375,000 $1,695,000 -79.8% 0.1%
TRAVIS CREDIT UNION $2,935,000 $1,670,000 -43.1% 0.1%
NMSI, INC. $3,280,000 $1,660,000 -49.4% 0.1%
Morgan Stanley Private Bank $5,655,000 $1,630,000 -71.2% 0.1%
Franklin Loan Corporation $365,000 $1,620,000 343.8% 0.1%
NP, Inc. $690,000 $1,600,000 131.9% 0.1%
THE POLICE Credit Union $455,000 $1,565,000 244.0% 0.1%
DEEPHAVEN MORTGAGE LLC $1,560,000 n/a 0.1%
LOANPAL, LLC $3,930,000 $1,540,000 -60.8% 0.1%
City National Bank $550,000 $1,535,000 179.1% 0.1%
Bank of the West $55,775,000 $1,525,000 -97.3% 0.1%
Third Federal Savings and Loan Association of Cleveland $2,335,000 $1,510,000 -35.3% 0.1%
Barrington Bank & Trust Company, N.A. $620,000 $1,505,000 142.7% 0.1%
Cornerstone First Mortgage, Inc $435,000 $1,495,000 243.7% 0.1%
Provident Credit Union $2,685,000 $1,485,000 -44.7% 0.1%
TOP FLITE FINANCIAL, INC. $1,805,000 $1,485,000 -17.7% 0.1%
AMERITRUST MORTGAGE CORPORATION $1,465,000 n/a 0.1%
AmeriHome Mortgage Company, LLC $3,305,000 $1,450,000 -56.1% 0.1%
Plains Commerce Bank $910,000 $1,420,000 56.0% 0.1%
Ameris Bank $1,520,000 $1,385,000 -8.9% 0.1%
AHL FUNDING $1,075,000 $1,365,000 27.0% 0.1%
PENTAGON FEDERAL CREDIT UNION $6,160,000 $1,325,000 -78.5% 0.1%
NBKC BANK $3,175,000 $1,295,000 -59.2% 0.1%
Charles Schwab Bank, SSB $2,125,000 $1,210,000 -43.1% 0.1%
Keystone Funding, Inc. $1,195,000 n/a 0.1%
Provident Savings Bank, F.S.B. $335,000 $1,175,000 250.7% 0.1%
GOOGAIN, INC. $2,145,000 $1,170,000 -45.5% 0.1%
LEADERONE FINANCIAL CORPORATION $540,000 $1,155,000 113.9% 0.1%
Truist $4,225,000 $1,145,000 -72.9% 0.1%
First Savings Bank $1,240,000 $1,125,000 -9.3% 0.1%
The Federal Savings Bank $5,785,000 $1,105,000 -80.9% 0.1%
USAA Federal Savings Bank $4,745,000 $1,100,000 -76.8% 0.1%
Firefighters First Federal Credit Union $2,610,000 $1,090,000 -58.2% 0.1%
5TH STREET CAPITAL, INC. $3,085,000 $1,055,000 -65.8% 0.1%
BECKAM FUNDING CORP. $1,325,000 $1,040,000 -21.5% 0.1%
GENEVA FINANCIAL, LLC $1,360,000 $1,010,000 -25.7% 0.1%
Citizens Business Bank $4,660,000 $1,005,000 -78.4% 0.1%
NETWORK CAPITAL FUNDING CORPORATION $5,270,000 $975,000 -81.5% 0.0%
Axos Bank $185,000 $965,000 421.6% 0.0%
LENDING 3, INC. $635,000 $900,000 41.7% 0.0%
BNC National Bank $610,000 $870,000 42.6% 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $4,250,000 $870,000 -79.5% 0.0%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $870,000 n/a 0.0%
GUARANTY HOME MORTGAGE CORPORATION $710,000 $835,000 17.6% 0.0%
Ally Bank $4,110,000 $820,000 -80.0% 0.0%
PACIFIC SERVICE $1,000,000 $820,000 -18.0% 0.0%
INFINITY EQUITY GROUP, INC. $810,000 n/a 0.0%
MOVEMENT MORTGAGE, LLC $26,100,000 $810,000 -96.9% 0.0%
CANOPY MORTGAGE, LLC $1,230,000 $805,000 -34.6% 0.0%
LANTZMAN MANAGEMENT, INC. $545,000 $805,000 47.7% 0.0%
MK LENDING CORP. $55,000 $805,000 1,363.6% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,420,000 $800,000 -43.7% 0.0%
MERIWEST $415,000 $800,000 92.8% 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $1,035,000 $800,000 -22.7% 0.0%
LADERA LENDING, INC. $2,705,000 $795,000 -70.6% 0.0%
GUARANTEED RATE AFFINITY, LLC $3,850,000 $790,000 -79.5% 0.0%
Luxury Mortgage Corp. $775,000 n/a 0.0%
Lakeview Community Capital, LLC $8,125,000 $770,000 -90.5% 0.0%
PACIFIC RESIDENTIAL MORTGAGE, LLC $375,000 $750,000 100.0% 0.0%
EQUITY WAVE LENDING, INC. $465,000 $740,000 59.1% 0.0%
GEORGIA'S OWN $285,000 $740,000 159.6% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $1,845,000 $715,000 -61.2% 0.0%
HighTechLending Inc $1,160,000 $695,000 -40.1% 0.0%
Stifel Bank and Trust $1,505,000 $690,000 -54.2% 0.0%
ROYAL UNITED MORTGAGE LLC $505,000 $685,000 35.6% 0.0%
MANN FINANCIAL INC. $670,000 n/a 0.0%
UNCLE Credit Union $1,610,000 $670,000 -58.4% 0.0%
Watermark Capital, Inc. $3,545,000 $670,000 -81.1% 0.0%
Financial Partners Credit Union $615,000 $665,000 8.1% 0.0%
LAKEVIEW LOAN SERVICING, LLC $11,040,000 $660,000 -94.0% 0.0%
Merchants Bank of Indiana $655,000 n/a 0.0%
VISION ONE MORTGAGE, INC. $650,000 n/a 0.0%
Merchants Mortgage & Trust Corporation $1,135,000 $645,000 -43.2% 0.0%
ONY GLO, INC. $1,595,000 $645,000 -59.6% 0.0%
CALIBER HOME LOANS, INC. $47,005,000 $640,000 -98.6% 0.0%
HOMESIDE FINANCIAL, LLC $2,285,000 $640,000 -72.0% 0.0%
MICHIGAN MUTUAL, INC. $225,000 $635,000 182.2% 0.0%
TruHome Solutions, LLC $325,000 $590,000 81.5% 0.0%
PremierOne Credit Union $665,000 $580,000 -12.8% 0.0%
TECHNOLOGY $340,000 $565,000 66.2% 0.0%
VERITAS FUNDING, LLC $975,000 $560,000 -42.6% 0.0%
MEGASTAR FINANCIAL CORP. $8,480,000 $555,000 -93.5% 0.0%
CASTLE & COOKE MORTGAGE, LLC $540,000 n/a 0.0%
CHERRY CREEK MORTGAGE, LLC $4,515,000 $540,000 -88.0% 0.0%
INTELLILOAN, INC. $2,240,000 $530,000 -76.3% 0.0%
REDWOOD $540,000 $530,000 -1.9% 0.0%
CBC Federal Credit Union $525,000 n/a 0.0%
University Bank $525,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $945,000 $525,000 -44.4% 0.0%
WESCOM CENTRAL CREDIT UNION $515,000 n/a 0.0%
GSF Mortgage Corporation $465,000 $505,000 8.6% 0.0%
Mechanics Bank $875,000 $505,000 -42.3% 0.0%
MERCO Credit Union $45,000 $505,000 1,022.2% 0.0%
SANDIA LABORATORY $305,000 $500,000 63.9% 0.0%
Operating Engineers Local Union #3 $3,495,000 $495,000 -85.8% 0.0%
ST FIN CORP $445,000 $485,000 9.0% 0.0%
1ST UNITED SERVICES CREDIT UNION $655,000 $480,000 -26.7% 0.0%
LONGBRIDGE FINANCIAL, LLC $2,975,000 $475,000 -84.0% 0.0%
Strong Home Mortgage, LLC $2,860,000 $475,000 -83.4% 0.0%
SANTA CLARA COUNTY $2,115,000 $470,000 -77.8% 0.0%
Cathay Bank $465,000 n/a 0.0%
General Mortgage Capital Corporation $2,790,000 $465,000 -83.3% 0.0%
NuVision Federal Credit Union $455,000 n/a 0.0%
PREMIER LENDING, INC. $455,000 n/a 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $7,500,000 $445,000 -94.1% 0.0%
FIRST COMMUNITY MORTGAGE, INC. $355,000 $445,000 25.4% 0.0%
KD CAPITAL MORTGAGE CORPORATION $325,000 $445,000 36.9% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $445,000 n/a 0.0%
Nations Lending Corporation $2,255,000 $445,000 -80.3% 0.0%
SIRVA MORTGAGE, INC. $445,000 n/a 0.0%
MACKILLIE INCORPORATED $105,000 $440,000 319.0% 0.0%
MOUNTAIN WEST FINANCIAL, INC. $8,355,000 $440,000 -94.7% 0.0%
MID-VALLEY SERVICES, INC. $575,000 $435,000 -24.3% 0.0%
Comerica Bank $655,000 $420,000 -35.9% 0.0%
OPEN MORTGAGE, LLC $1,615,000 $410,000 -74.6% 0.0%
American Mortgage & Equity Consultants, Inc. $405,000 n/a 0.0%
Citizens Bank $4,105,000 $405,000 -90.1% 0.0%
CITIZENS EQUITY FIRST $80,000 $405,000 406.3% 0.0%
HOME APPROVALS DIRECT, INC. $245,000 $405,000 65.3% 0.0%
Raymond James Bank $405,000 n/a 0.0%
SALAL $85,000 $405,000 376.5% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $855,000 $395,000 -53.8% 0.0%
DATA MORTGAGE, INC. $1,150,000 $395,000 -65.7% 0.0%
EAGLE HOME MORTGAGE, LLC $395,000 n/a 0.0%
United Fidelity Funding Corp. $495,000 $395,000 -20.2% 0.0%
ALTITUDE FINANCIAL CORPORATION $385,000 n/a 0.0%
Vellum Mortgage, Inc. $365,000 $365,000 0.0% 0.0%
AMERICAN HERITAGE LENDING, INC. $355,000 n/a 0.0%
RANLIFE, INC. $670,000 $355,000 -47.0% 0.0%
OAKTREE FUNDING CORP. $1,075,000 $350,000 -67.4% 0.0%
HomeTrust Bank $65,000 $345,000 430.8% 0.0%
Commercial Loan Corporation $340,000 n/a 0.0%
DAS Acquisition Company, LLC $335,000 n/a 0.0%
COMPASS MORTGAGE, INC. $325,000 n/a 0.0%
Constant Investments, Inc. $325,000 n/a 0.0%
NEW DAY FINANCIAL, LLC $2,675,000 $325,000 -87.9% 0.0%
Zions Bank $325,000 n/a 0.0%
AMCAP MORTGAGE, LTD. $305,000 n/a 0.0%
BAY-VALLEY MORTGAGE GROUP $305,000 n/a 0.0%
Boeing Employees Credit Union $600,000 $295,000 -50.8% 0.0%
EMM LOANS LLC $295,000 n/a 0.0%
First Bank $1,950,000 $290,000 -85.1% 0.0%
CLEARPATH LENDING $2,600,000 $285,000 -89.0% 0.0%
LIBERTY HOME MORTGAGE CORPORATION $285,000 n/a 0.0%
TJC Mortgage, Inc. $335,000 $285,000 -14.9% 0.0%
Alaska USA Federal Credit Union $365,000 $250,000 -31.5% 0.0%
Old Second National Bank $245,000 n/a 0.0%
First-Citizens Bank & Trust Company $2,060,000 $235,000 -88.6% 0.0%
American Airlines Federal Credit Union $230,000 n/a 0.0%
Signature Federal Credit Union $230,000 n/a 0.0%
ALL REVERSE MORTGAGE, INC. $830,000 $225,000 -72.9% 0.0%
Arvest Bank $1,440,000 $225,000 -84.4% 0.0%
COMMUNITY MORTGAGE FUNDING, LLC $85,000 $215,000 152.9% 0.0%
US MORTGAGE CORPORATION $215,000 n/a 0.0%
AMERICAN FINANCING CORPORATION $2,960,000 $205,000 -93.1% 0.0%
MEMBER FIRST MORTGAGE, LLC $205,000 n/a 0.0%
BANC ONE MORTGAGE CORPORATION $1,605,000 $195,000 -87.9% 0.0%
AUGUSTA FINANCIAL, INC. $185,000 n/a 0.0%
DIGNIFIED HOME LOANS, LLC $1,045,000 $175,000 -83.3% 0.0%
UNION HOME MORTGAGE CORP. $165,000 n/a 0.0%
AFFINITY $155,000 n/a 0.0%
California Coast Credit Union $115,000 $155,000 34.8% 0.0%
VALLEY STRONG CREDIT UNION $315,000 $155,000 -50.8% 0.0%
FIRST TECHNOLOGY $1,160,000 $150,000 -87.1% 0.0%
GUIDANCE RESIDENTIAL, LLC $970,000 $145,000 -85.1% 0.0%
Advisors Mortgage Group, L.L.C. $680,000 $135,000 -80.1% 0.0%
FUNDLOANS CAPITAL $2,165,000 $135,000 -93.8% 0.0%
TOWER $125,000 n/a 0.0%
CIS Financial Services, Inc. $155,000 $115,000 -25.8% 0.0%
SUPERIOR CHOICE $115,000 n/a 0.0%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $2,730,000 $110,000 -96.0% 0.0%
GTE Federal Credit Union $260,000 $105,000 -59.6% 0.0%
M&T Bank $895,000 $105,000 -88.3% 0.0%
LOGIX FEDERAL CREDIT UNION $1,635,000 $100,000 -93.9% 0.0%
Bank-Fund Staff Federal Credit Union $95,000 n/a 0.0%
Baxter Credit Union $105,000 $95,000 -9.5% 0.0%
Bethpage Federal Credit Union $540,000 $90,000 -83.3% 0.0%
Kaiperm Diablo Federal Credit Union $85,000 n/a 0.0%
KEYPOINT $435,000 $85,000 -80.5% 0.0%
UNIVERSITY CREDIT UNION $405,000 $85,000 -79.0% 0.0%
Connexus Credit Union $75,000 n/a 0.0%
SKYONE Federal Credit Union $75,000 n/a 0.0%
DIGITAL Federal Credit Union $1,325,000 $65,000 -95.1% 0.0%
Noble Federal Credit Union $65,000 n/a 0.0%
Service Federal Credit Union $65,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $55,000 n/a 0.0%
BAY $55,000 n/a 0.0%
DELTA COMMUNITY CREDIT UNION $55,000 n/a 0.0%
KINECTA $1,740,000 $55,000 -96.8% 0.0%
LAFAYETTE FEDERAL CREDIT UNION $155,000 $55,000 -64.5% 0.0%
STANFORD Federal Credit Union $2,870,000 $55,000 -98.1% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $400,000 $35,000 -91.3% 0.0%
CommonWealth Central Credit Union $65,000 $35,000 -46.2% 0.0%
San Mateo Credit Union $550,000 $25,000 -95.5% 0.0%
VENTURA COUNTY $25,000 n/a 0.0%

MODESTO's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 13.4% market share. In second place, with 8.0%, is QUICKEN LOANS, LLC, having originated $157,985,000 in loans. In third place, with 4.9%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $96,935,000 in loans. In fourth place, with 4.5%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $88,835,000 in loans. In fifth place, with 2.8%, is JPMorgan Chase Bank, having originated $55,410,000 in loans.


MODESTO Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - MODESTO (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $346,500 (14.6%) $435,301 (9.6%) 1.28 643
2018-02-01 $346,875 (11.9%) $423,147 (4.2%) 1.26 681
2018-03-01 $353,000 (10.8%) $449,092 (10.6%) 1.24 722
2018-04-01 $359,500 (10.6%) $454,420 (10.9%) 1.22 753
2018-05-01 $364,950 (10.8%) $450,889 (9.2%) 1.22 842
2018-06-01 $355,000 (6.1%) $430,577 (4.4%) 1.18 957
2018-07-01 $354,900 (7.6%) $425,911 (2.8%) 1.19 1,005
2018-08-01 $350,000 (7.0%) $423,132 (1.6%) 1.17 1,106
2018-09-01 $349,000 (5.8%) $420,435 (2.2%) 1.17 1,086
2018-10-01 $339,913 (3.0%) $411,327 (0.3%) 1.15 1,102
2018-11-01 $339,900 (0.9%) $416,682 (0.9%) 1.15 1,079
2018-12-01 $340,000 (0.0%) $413,623 (-3.2%) 1.17 1,026
2019-01-01 $339,985 (-1.9%) $413,501 (-5.0%) 1.17 925
2019-02-01 $344,611 (-0.7%) $416,321 (-1.6%) 1.16 887
2019-03-01 $356,371 (1.0%) $426,391 (-5.1%) 1.17 836
2019-04-01 $365,000 (1.5%) $441,712 (-2.8%) 1.16 806
2019-05-01 $365,000 (0.0%) $441,618 (-2.1%) 1.14 865
2019-06-01 $369,950 (4.2%) $456,546 (6.0%) 1.16 879
2019-07-01 $374,400 (5.5%) $463,568 (8.8%) 1.17 851
2019-08-01 $375,836 (7.4%) $461,688 (9.1%) 1.19 870
2019-09-01 $369,741 (5.9%) $448,629 (6.7%) 1.18 897
2019-10-01 $367,677 (8.2%) $441,824 (7.4%) 1.19 886
2019-11-01 $369,000 (8.6%) $438,366 (5.2%) 1.21 794
2019-12-01 $368,950 (8.5%) $449,597 (8.7%) 1.23 640
2020-01-01 $372,000 (9.4%) $452,766 (9.5%) 1.24 575
2020-02-01 $375,120 (8.9%) $474,080 (13.9%) 1.23 538
2020-03-01 $389,225 (9.2%) $473,800 (11.1%) 1.22 610
2020-04-01 $377,250 (3.4%) $456,612 (3.4%) 1.18 667
2020-05-01 $377,000 (3.3%) $465,429 (5.4%) 1.15 661
2020-06-01 $392,450 (6.1%) $479,783 (5.1%) 1.16 486
2020-07-01 $402,225 (7.4%) $529,779 (14.3%) 1.17 411
2020-08-01 $419,000 (11.5%) $547,642 (18.6%) 1.20 356
2020-09-01 $417,225 (12.8%) $536,714 (19.6%) 1.20 374
2020-10-01 $418,888 (13.9%) $550,968 (24.7%) 1.20 399
2020-11-01 $422,500 (14.5%) $556,940 (27.1%) 1.24 410
2020-12-01 $431,235 (16.9%) $589,424 (31.1%) 1.28 354
2021-01-01 $439,000 (18.0%) $619,061 (36.7%) 1.31 299
2021-02-01 $429,950 (14.6%) $622,412 (31.3%) 1.25 265
2021-03-01 $443,500 (13.9%) $639,943 (35.1%) 1.26 267
2021-04-01 $445,600 (18.1%) $609,410 (33.5%) 1.21 299
2021-05-01 $449,800 (19.3%) $614,325 (32.0%) 1.19 320
2021-06-01 $448,425 (14.3%) $598,953 (24.8%) 1.18 379
2021-07-01 $449,900 (11.9%) $584,241 (10.3%) 1.19 451
2021-08-01 $460,000 (9.8%) $580,082 (5.9%) 1.23 495
2021-09-01 $464,500 (11.3%) $569,751 (6.2%) 1.24 481
2021-10-01 $472,450 (12.8%) $579,129 (5.1%) 1.26 526
2021-11-01 $482,450 (14.2%) $591,879 (6.3%) 1.29 467
2021-12-01 $481,315 (11.6%) $597,951 (1.5%) 1.30 352
2022-01-01 $479,925 (9.3%) $600,753 (-3.0%) 1.30 290
2022-02-01 $489,500 (13.9%) $612,804 (-1.5%) 1.27 279
2022-03-01 $494,225 (11.4%) $624,146 (-2.5%) 1.24 291
2022-04-01 $499,000 (12.0%) $630,535 (3.5%) 1.19 337
2022-05-01 $499,950 (11.2%) $639,979 (4.2%) 1.14 475
2022-06-01 $494,475 (10.3%) $598,062 (-0.2%) 1.10 607
2022-07-01 $480,000 (6.7%) $553,414 (-5.3%) 1.08 762
2022-08-01 $475,000 (3.3%) $549,208 (-5.3%) 1.10 824
2022-09-01 $472,500 (1.7%) $544,610 (-4.4%) 1.10 789
2022-10-01 $470,000 (-0.5%) $552,066 (-4.7%) 1.11 743
2022-11-01 $472,500 (-2.1%) $564,609 (-4.6%) 1.14 653
2022-12-01 $480,000 (-0.3%) $588,001 (-1.7%) 1.19 542
2023-01-01 $488,871 (1.9%) $595,593 (-0.9%) 1.21 456
2023-02-01 $489,499 (0.0%) $597,835 (-2.4%) 1.18 417
2023-03-01 $499,993 (1.2%) $610,642 (-2.2%) 1.18 363
2023-04-01 $520,000 (4.2%) $612,746 (-2.8%) 1.21 319
2023-05-01 $530,000 (6.0%) $627,971 (-1.9%) 1.20 322
2023-06-01 $531,200 (7.4%) $619,455 (3.6%) 1.19 358
2023-07-01 $522,450 (8.8%) $612,921 (10.8%) 1.19 414
2023-08-01 $516,250 (8.7%) $624,545 (13.7%) 1.19 441
2023-09-01 $504,500 (6.8%) $624,643 (14.7%) 1.17 448
2023-10-01 $519,987 (10.6%) $628,522 (13.9%) 1.22 488
2023-11-01 $499,987 (5.8%) $618,671 (9.6%) 1.19 505
2023-12-01 $509,995 (6.3%) $628,165 (6.8%) 1.24 460
2024-01-01 $522,500 (6.9%) $625,522 (5.0%) 1.28 416
2024-02-01 $525,000 (7.3%) $622,800 (4.2%) 1.26 385
2024-03-01 $519,999 (4.0%) $625,227 (2.4%) 1.22 448
2024-04-01 $529,000 (1.7%) $635,737 (3.8%) 1.23 496
MODESTO's median listing price for 2024-04-01 was $529,000, a difference of $9,000 (1.7%) versus the prior year and $9,001 versus the prior month.

MODESTO's median listing price comes in at 123% of the national average.

MODESTO's average listing price for 2024-04-01 was $635,737, a difference of $22,991 (3.8%) versus the prior year and $10,510 versus the prior month.

For the 2024-04-01 period, MODESTO had 496 MLS listings, a difference of 48 listings (11%) versus the prior month and 177 listings (55%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - MODESTO (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 57 days 1,837 sqft
2018-02-01 37 days 1,778 sqft
2018-03-01 35 days 1,837 sqft
2018-04-01 35 days 1,862 sqft
2018-05-01 33 days 1,870 sqft
2018-06-01 34 days 1,835 sqft
2018-07-01 37 days 1,829 sqft
2018-08-01 37 days 1,810 sqft
2018-09-01 38 days 1,767 sqft
2018-10-01 42 days 1,715 sqft
2018-11-01 45 days 1,704 sqft
2018-12-01 54 days 1,712 sqft
2019-01-01 57 days 1,695 sqft
2019-02-01 47 days 1,713 sqft
2019-03-01 42 days 1,755 sqft
2019-04-01 40 days 1,816 sqft
2019-05-01 39 days 1,813 sqft
2019-06-01 39 days 1,849 sqft
2019-07-01 43 days 1,863 sqft
2019-08-01 44 days 1,865 sqft
2019-09-01 43 days 1,838 sqft
2019-10-01 45 days 1,822 sqft
2019-11-01 52 days 1,844 sqft
2019-12-01 65 days 1,834 sqft
2020-01-01 67 days 1,833 sqft
2020-02-01 45 days 1,856 sqft
2020-03-01 35 days 1,888 sqft
2020-04-01 43 days 1,828 sqft
2020-05-01 57 days 1,853 sqft
2020-06-01 63 days 1,882 sqft
2020-07-01 53 days 1,902 sqft
2020-08-01 35 days 1,948 sqft
2020-09-01 32 days 1,844 sqft
2020-10-01 32 days 1,836 sqft
2020-11-01 37 days 1,851 sqft
2020-12-01 42 days 1,844 sqft
2021-01-01 46 days 1,845 sqft
2021-02-01 34 days 1,788 sqft
2021-03-01 32 days 1,841 sqft
2021-04-01 30 days 1,847 sqft
2021-05-01 26 days 1,789 sqft
2021-06-01 25 days 1,737 sqft
2021-07-01 26 days 1,754 sqft
2021-08-01 26 days 1,790 sqft
2021-09-01 30 days 1,724 sqft
2021-10-01 30 days 1,762 sqft
2021-11-01 37 days 1,745 sqft
2021-12-01 42 days 1,770 sqft
2022-01-01 40 days 1,763 sqft
2022-02-01 29 days 1,739 sqft
2022-03-01 26 days 1,750 sqft
2022-04-01 25 days 1,718 sqft
2022-05-01 23 days 1,755 sqft
2022-06-01 25 days 1,725 sqft
2022-07-01 30 days 1,695 sqft
2022-08-01 37 days 1,663 sqft
2022-09-01 44 days 1,661 sqft
2022-10-01 46 days 1,663 sqft
2022-11-01 54 days 1,662 sqft
2022-12-01 64 days 1,678 sqft
2023-01-01 60 days 1,712 sqft
2023-02-01 51 days 1,737 sqft
2023-03-01 40 days 1,794 sqft
2023-04-01 36 days 1,824 sqft
2023-05-01 35 days 1,822 sqft
2023-06-01 32 days 1,866 sqft
2023-07-01 33 days 1,860 sqft
2023-08-01 34 days 1,832 sqft
2023-09-01 37 days 1,786 sqft
2023-10-01 37 days 1,829 sqft
2023-11-01 42 days 1,787 sqft
2023-12-01 49 days 1,753 sqft
2024-01-01 47 days 1,805 sqft
2024-02-01 42 days 1,809 sqft
2024-03-01 33 days 1,783 sqft
2024-04-01 33 days 1,835 sqft
MODESTO's median listing age (time on market) for 2024-04-01 was 33 days. This is -10% shorter than the same period one year ago.

MODESTO's median square footage for active listings during the 2024-04-01 period was 1,835 sqft. One year prior, the average listing was 1,824 sqft.

MODESTO, CA Average Rent (2023)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
94550 Modesto, CA MSA $1,940 $2,180 $2,640 $3,450 $4,070
95230 Modesto, CA MSA $1,050 $1,130 $1,460 $2,070 $2,460
95307 Modesto, CA MSA $990 $1,020 $1,300 $1,840 $2,150
95313 Modesto, CA MSA $950 $980 $1,250 $1,770 $2,070
95316 Modesto, CA MSA $1,010 $1,040 $1,330 $1,880 $2,200
95319 Modesto, CA MSA $850 $910 $1,130 $1,590 $1,860
95322 Modesto, CA MSA $850 $970 $1,190 $1,690 $2,030
95323 Modesto, CA MSA $860 $910 $1,130 $1,600 $1,870
95324 Modesto, CA MSA $990 $1,180 $1,440 $2,050 $2,450
95326 Modesto, CA MSA $1,250 $1,290 $1,640 $2,320 $2,710
95328 Modesto, CA MSA $940 $970 $1,240 $1,750 $2,050
95329 Modesto, CA MSA $1,090 $1,120 $1,430 $2,020 $2,370
95350 Modesto, CA MSA $1,010 $1,040 $1,330 $1,880 $2,200
95351 Modesto, CA MSA $970 $1,000 $1,270 $1,790 $2,100
95352 Modesto, CA MSA $1,040 $1,080 $1,370 $1,940 $2,270
95353 Modesto, CA MSA $1,040 $1,080 $1,370 $1,940 $2,270
95354 Modesto, CA MSA $1,060 $1,090 $1,390 $1,960 $2,300
95355 Modesto, CA MSA $1,160 $1,200 $1,530 $2,160 $2,530
95356 Modesto, CA MSA $1,130 $1,170 $1,490 $2,110 $2,460
95357 Modesto, CA MSA $1,290 $1,330 $1,690 $2,390 $2,800
95358 Modesto, CA MSA $960 $990 $1,260 $1,780 $2,080
95360 Modesto, CA MSA $950 $980 $1,250 $1,770 $2,070
95361 Modesto, CA MSA $1,000 $1,030 $1,310 $1,850 $2,170
95363 Modesto, CA MSA $1,290 $1,330 $1,690 $2,390 $2,800
95367 Modesto, CA MSA $1,110 $1,150 $1,460 $2,060 $2,420
95368 Modesto, CA MSA $1,380 $1,420 $1,810 $2,560 $2,990
95380 Modesto, CA MSA $950 $990 $1,250 $1,770 $2,080
95381 Modesto, CA MSA $1,040 $1,080 $1,370 $1,940 $2,270
95382 Modesto, CA MSA $1,180 $1,220 $1,550 $2,190 $2,560
95385 Modesto, CA MSA $1,150 $1,230 $1,580 $2,240 $2,650
95386 Modesto, CA MSA $970 $1,000 $1,270 $1,790 $2,100
95387 Modesto, CA MSA $1,320 $1,390 $1,770 $2,510 $2,960
95397 Modesto, CA MSA $1,040 $1,080 $1,370 $1,940 $2,270

2022 Average & Median Rent Data Statistics
MODESTO, CA average 1BR rent: $1,139, median: $1,080
MODESTO, CA average 2BR rent: $1,441, median: $1,370
MODESTO, CA average 3BR rent: $2,030, median: $1,940

MODESTO, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 3,688 $1,465,030,000 $397,242
Cash Out Refi 920 $252,620,000 $274,587
Other 572 $56,250,000 $98,339
Home Improvement 527 $68,035,000 $129,099
Refi 301 $121,365,000 $403,206

Modesto's most frequently cited loan purpose was Home Purchase, with 3,688 originations. The 2nd most popular reason was Cash Out Refi, with 920 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 2,066 $814,450,000 $394,216
Over 8% 1,274 $189,780,000 $148,964
7-8% 1,211 $413,075,000 $341,102
5-6% 1,059 $437,775,000 $413,385
<2.5% 153 $4,925,000 $32,190
4-5% 113 $69,755,000 $617,301
3-4% 11 $3,315,000 $301,364
2.5-3% 2 $850,000