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
7.2%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.16% and
one month ago for the week of 2026-10-01, the
average rate was 7.2%.
Modesto's average rate one year ago was 6.09%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.42%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Modesto 30 Year Fixed Rate | 2026-11-05 | 7.2% |
| Modesto 30 Year Fixed Rate Refi | 2026-11-05 | 7.42% |
| Modesto 15 Year Fixed Rate | 2026-11-05 | 6.37% |
| Modesto 15 Year Fixed Rate Refi | 2026-11-05 | 6.87% |
| Modesto 30 Year FHA | 2026-11-05 | 6.45% |
| Modesto 30 Year FHA Refi | 2026-11-05 | 6.26% |
| Modesto 30 Year USDA | 2026-11-05 | 7.2% |
| Modesto 30 Year USDA Refi | 2026-11-05 | 7% |
| Modesto 30 Year VA | 2026-11-05 | 6.7% |
| Modesto 30 Year VA Refi | 2026-11-05 | 6.37% |
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.).
MODESTO Average Closing Costs & Other Stats
MODESTO, CA's 168 lenders originated 7,872
loans during 2025. The total origination value was $2,545,280,000, with an average loan value of
$323,333.
MODESTO's average closing costs are $6,875.
The top MODESTO lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
398 loans originated. Their average total fees are
$8,495, which is $1,554
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee MODESTO lenders (with over 10 loans originated) are
GOOGAIN, INC. ($3,368), DHI MORTGAGE COMPANY, LTD. ($4,125), Bank of America ($4,961), THE GOLDEN 1 ($5,046) and PROVIDENT FUNDING ASSOCIATES, L.P. ($5,082).
The lowest rate MODESTO lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (4.82%), DHI MORTGAGE COMPANY, LTD. (5.55%), PNC Bank (6.23%), KBHS HOME LOANS, LLC (6.25%) and THE GOLDEN 1 (6.31%).
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 | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $322,700,000 | $362,715,000 | 12.4% | 14.3% |
| QUICKEN LOANS, LLC | $186,520,000 | $206,950,000 | 11.0% | 8.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $99,005,000 | $116,695,000 | 17.9% | 4.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $93,210,000 | $84,330,000 | -9.5% | 3.3% |
| KBHS HOME LOANS, LLC | $47,075,000 | $81,990,000 | 74.2% | 3.2% |
| SCENIC OAKS FUNDING, INC. | $59,290,000 | $79,950,000 | 34.8% | 3.1% |
| Century Mortgage Company DBA Century Lending Company | $80,430,000 | $76,455,000 | -4.9% | 3.0% |
| GUARANTEED RATE, INC. | $64,930,000 | $69,340,000 | 6.8% | 2.7% |
| GUILD MORTGAGE COMPANY | $50,215,000 | $60,085,000 | 19.7% | 2.4% |
| JPMorgan Chase Bank | $44,105,000 | $60,075,000 | 36.2% | 2.4% |
| The Loan Store, Inc. | $19,370,000 | $55,185,000 | 184.9% | 2.2% |
| LOANDEPOT.COM, LLC | $58,690,000 | $42,970,000 | -26.8% | 1.7% |
| DHI MORTGAGE COMPANY, LTD. | $53,880,000 | $40,230,000 | -25.3% | 1.6% |
| PENNYMAC LOAN SERVICES, LLC | $22,435,000 | $39,900,000 | 77.8% | 1.6% |
| EAGLE HOME MORTGAGE, LLC | $23,400,000 | $38,975,000 | 66.6% | 1.5% |
| FREEDOM MORTGAGE CORPORATION | $20,920,000 | $38,160,000 | 82.4% | 1.5% |
| S1L, Inc. | $47,185,000 | $34,435,000 | -27.0% | 1.4% |
| Paramount Residential Mortgage Group, Inc. | $25,590,000 | $32,965,000 | 28.8% | 1.3% |
| Performance Financial, Inc. | $29,920,000 | $31,725,000 | 6.0% | 1.2% |
| LENDINGHOME FUNDING CORPORATION | $21,040,000 | $30,655,000 | 45.7% | 1.2% |
| THE GOLDEN 1 | $20,820,000 | $26,785,000 | 28.7% | 1.1% |
| OCMBC, INC. | $22,395,000 | $25,100,000 | 12.1% | 1.0% |
| WALKER & DUNLOP, LLC | $99,925,000 | $24,515,000 | -75.5% | 1.0% |
| U.S. Bank | $31,890,000 | $23,860,000 | -25.2% | 0.9% |
| Bank of America | $22,925,000 | $23,465,000 | 2.4% | 0.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $12,845,000 | $22,690,000 | 76.6% | 0.9% |
| Mortgage Research Center, LLC | $27,530,000 | $21,850,000 | -20.6% | 0.9% |
| BMO Harris Bank | $12,490,000 | $21,665,000 | 73.5% | 0.9% |
| Mr. Cooper ( Nationstar Mortgage ) | $15,520,000 | $20,420,000 | 31.6% | 0.8% |
| Citibank | $2,920,000 | $19,985,000 | 584.4% | 0.8% |
| CALCON MUTUAL MORTGAGE LLC | $1,265,000 | $19,415,000 | 1,434.8% | 0.8% |
| BROKER SOLUTIONS, INC. | $9,000,000 | $18,025,000 | 100.3% | 0.7% |
| NEWREZ LLC | $11,760,000 | $17,945,000 | 52.6% | 0.7% |
| Franklin Loan Corporation | $5,700,000 | $17,565,000 | 208.2% | 0.7% |
| JMAC LENDING, INC. | $7,975,000 | $16,705,000 | 109.5% | 0.7% |
| Farmers & Merchants Bank of Central California | $14,035,000 | $16,350,000 | 16.5% | 0.6% |
| Sierra Pacific Mortgage Company, Inc. | $12,510,000 | $12,500,000 | -0.1% | 0.5% |
| SPRING EQ, LLC | $3,790,000 | $12,450,000 | 228.5% | 0.5% |
| PNC Bank | $9,470,000 | $12,295,000 | 29.8% | 0.5% |
| Golden Empire Mortgage, Inc. | $25,805,000 | $11,905,000 | -53.9% | 0.5% |
| Wells Fargo Bank | $50,940,000 | $11,165,000 | -78.1% | 0.4% |
| Equity Prime Mortgage LLC | $7,875,000 | $10,610,000 | 34.7% | 0.4% |
| AMERICAN FINANCIAL NETWORK, INC. | $19,120,000 | $10,355,000 | -45.8% | 0.4% |
| ALAMEDA MORTGAGE CORPORATION | $9,650,000 | $10,215,000 | 5.9% | 0.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $5,095,000 | $10,020,000 | 96.7% | 0.4% |
| Bank of Stockton | $4,820,000 | $9,925,000 | 105.9% | 0.4% |
| CMG MORTGAGE, INC. | $7,640,000 | $9,475,000 | 24.0% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $3,815,000 | $9,305,000 | 143.9% | 0.4% |
| Commerce Home Mortgage, Inc. | $4,690,000 | $9,270,000 | 97.7% | 0.4% |
| LEADERONE FINANCIAL CORPORATION | $6,265,000 | $9,260,000 | 47.8% | 0.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $7,295,000 | $8,530,000 | 16.9% | 0.3% |
| Umpqua Bank | $7,955,000 | $7,570,000 | -4.8% | 0.3% |
| SUN WEST MORTGAGE COMPANY, INC. | $6,245,000 | $7,265,000 | 16.3% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $6,880,000 | $7,045,000 | 2.4% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $11,180,000 | $6,800,000 | -39.2% | 0.3% |
| LAND HOME FINANCIAL SERVICES, INC. | $7,145,000 | $6,490,000 | -9.2% | 0.3% |
| A&D Mortgage LLC | $2,460,000 | $6,395,000 | 160.0% | 0.3% |
| Figure Lending LLC | $7,975,000 | $6,295,000 | -21.1% | 0.2% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $6,405,000 | $6,195,000 | -3.3% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $7,915,000 | $6,185,000 | -21.9% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $4,870,000 | $6,100,000 | 25.3% | 0.2% |
| NEXERA HOLDING LLC | $2,310,000 | $6,030,000 | 161.0% | 0.2% |
| UNION HOME MORTGAGE CORP. | $2,475,000 | $5,875,000 | 137.4% | 0.2% |
| NFM, INC. | $17,305,000 | $5,735,000 | -66.9% | 0.2% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $4,770,000 | $5,685,000 | 19.2% | 0.2% |
| AMERITRUST MORTGAGE CORPORATION | $6,150,000 | $5,650,000 | -8.1% | 0.2% |
| AMWEST FUNDING CORP. | $3,795,000 | $5,535,000 | 45.8% | 0.2% |
| Tri Counties Bank | $5,635,000 | $5,530,000 | -1.9% | 0.2% |
| SUMMIT FUNDING, INC. | $6,230,000 | $5,390,000 | -13.5% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $2,435,000 | $5,355,000 | 119.9% | 0.2% |
| PLANET HOME LENDING, LLC | $2,540,000 | $5,340,000 | 110.2% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $5,625,000 | $5,300,000 | -5.8% | 0.2% |
| EVERETT FINANCIAL, INC. | $5,930,000 | $5,255,000 | -11.4% | 0.2% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | $27,015,000 | $5,160,000 | -80.9% | 0.2% |
| Carrington Mortgage Services, LLC | $6,150,000 | $5,065,000 | -17.6% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $2,470,000 | $5,050,000 | 104.5% | 0.2% |
| Citadel Servicing Corporation | $5,180,000 | $4,925,000 | -4.9% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $2,820,000 | $4,690,000 | 66.3% | 0.2% |
| Morgan Stanley Private Bank | $1,485,000 | $4,425,000 | 198.0% | 0.2% |
| HOMEXPRESS MORTGAGE CORP. | $4,280,000 | $4,250,000 | -0.7% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $1,895,000 | $4,235,000 | 123.5% | 0.2% |
| CBRE MULTIFAMILY CAPITAL, INC. | $4,165,000 | n/a | 0.2% | |
| QUORUM FEDERAL CREDIT UNION | $830,000 | $3,725,000 | 348.8% | 0.1% |
| Financial Partners Credit Union | $485,000 | $3,525,000 | 626.8% | 0.1% |
| Coastal Community Bank | $2,320,000 | $3,490,000 | 50.4% | 0.1% |
| GOOGAIN, INC. | $3,450,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $5,030,000 | $3,440,000 | -31.6% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $2,325,000 | $3,330,000 | 43.2% | 0.1% |
| ZILLOW HOME LOANS, LLC | $245,000 | $3,315,000 | 1,253.1% | 0.1% |
| Flagstar Bank, FSB | $7,680,000 | $3,260,000 | -57.6% | 0.1% |
| STAR ONE CREDIT UNION | $1,115,000 | $3,245,000 | 191.0% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $855,000 | $3,235,000 | 278.4% | 0.1% |
| ORIX REAL ESTATE CAPITAL, LLC | $3,155,000 | n/a | 0.1% | |
| Greenbox Loans, Inc. | $5,070,000 | $3,095,000 | -39.0% | 0.1% |
| AmeriHome Mortgage Company, LLC | $1,315,000 | $3,055,000 | 132.3% | 0.1% |
| GEO-CORP, INC. | $2,975,000 | n/a | 0.1% | |
| Fremont Bank | $2,825,000 | $2,970,000 | 5.1% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $2,950,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $1,370,000 | $2,895,000 | 111.3% | 0.1% |
| 21ST MORTGAGE CORPORATION | $4,350,000 | $2,850,000 | -34.5% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $4,465,000 | $2,830,000 | -36.6% | 0.1% |
| PHH Mortgage Corporation | $1,725,000 | $2,825,000 | 63.8% | 0.1% |
| NEW WAVE LENDING GROUP INC | $2,495,000 | $2,820,000 | 13.0% | 0.1% |
| PATELCO | $1,860,000 | $2,785,000 | 49.7% | 0.1% |
| Northwest Farm Credit Services, FLCA | $3,470,000 | $2,725,000 | -21.5% | 0.1% |
| MLD MORTGAGE INC. | $950,000 | $2,690,000 | 183.2% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $3,305,000 | $2,650,000 | -19.8% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $3,585,000 | $2,605,000 | -27.3% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $1,550,000 | $2,525,000 | 62.9% | 0.1% |
| NP, Inc. | $1,585,000 | $2,430,000 | 53.3% | 0.1% |
| MORTGAGEONE, INC. | $2,185,000 | $2,395,000 | 9.6% | 0.1% |
| MYCUMORTGAGE, LLC | $305,000 | $2,355,000 | 672.1% | 0.1% |
| The Federal Savings Bank | $2,600,000 | $2,350,000 | -9.6% | 0.1% |
| Zions Bank | $1,075,000 | $2,325,000 | 116.3% | 0.1% |
| FUNDLOANS CAPITAL | $305,000 | $2,295,000 | 652.5% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $835,000 | $2,160,000 | 158.7% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $3,760,000 | $2,110,000 | -43.9% | 0.1% |
| Self-Help Federal Credit Union | $4,125,000 | $2,100,000 | -49.1% | 0.1% |
| ARC HOME LLC | $565,000 | $2,095,000 | 270.8% | 0.1% |
| Magnolia Bank | $315,000 | $2,090,000 | 563.5% | 0.1% |
| SCHOOLSFIRST | $2,145,000 | $1,900,000 | -11.4% | 0.1% |
| Mechanics Bank | $1,715,000 | $1,850,000 | 7.9% | 0.1% |
| LENDSURE MORTGAGE CORP. | $1,115,000 | $1,795,000 | 61.0% | 0.1% |
| Firefighters First Federal Credit Union | $2,650,000 | $1,755,000 | -33.8% | 0.1% |
| INTELLILOAN, INC. | $875,000 | $1,725,000 | 97.1% | 0.1% |
| Home Mortgage Alliance Corp | $1,135,000 | $1,700,000 | 49.8% | 0.1% |
| Stifel Bank and Trust | $2,065,000 | $1,670,000 | -19.1% | 0.1% |
| NexBank | $1,615,000 | $1,640,000 | 1.5% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $750,000 | $1,630,000 | 117.3% | 0.1% |
| SAFE CREDIT UNION | $25,000 | $1,590,000 | 6,260.0% | 0.1% |
| LANTZMAN MANAGEMENT, INC. | $900,000 | $1,580,000 | 75.6% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $540,000 | $1,565,000 | 189.8% | 0.1% |
| General Mortgage Capital Corporation | $1,025,000 | $1,550,000 | 51.2% | 0.1% |
| INTERNATIONAL CITY MORTGAGE, INC. | $955,000 | $1,530,000 | 60.2% | 0.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | $1,120,000 | $1,520,000 | 35.7% | 0.1% |
| NEW DAY FINANCIAL, LLC | $810,000 | $1,470,000 | 81.5% | 0.1% |
| DIRECTIONS EQUITY, LLC | $11,965,000 | $1,440,000 | -88.0% | 0.1% |
| Cornerstone First Mortgage, Inc | $6,580,000 | $1,430,000 | -78.3% | 0.1% |
| LENDINGONE, LLC | $550,000 | $1,410,000 | 156.4% | 0.1% |
| OAKTREE FUNDING CORP. | $1,225,000 | $1,405,000 | 14.7% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $1,595,000 | $1,400,000 | -12.2% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $345,000 | $1,390,000 | 302.9% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $880,000 | $1,385,000 | 57.4% | 0.1% |
| CITIZENS EQUITY FIRST | $1,175,000 | $1,370,000 | 16.6% | 0.1% |
| ALLIANT CREDIT UNION | $3,000,000 | $1,330,000 | -55.7% | 0.1% |
| Luxury Mortgage Corp. | $710,000 | $1,330,000 | 87.3% | 0.1% |
| TOWNE MORTGAGE COMPANY | $1,350,000 | $1,285,000 | -4.8% | 0.1% |
| Educational Employees Credit Union | $430,000 | $1,280,000 | 197.7% | 0.1% |
| RESIDENTIAL BANCORP | $2,145,000 | $1,255,000 | -41.5% | 0.0% |
| LOANPAL, LLC | $1,590,000 | $1,230,000 | -22.6% | 0.0% |
| 1ST UNITED SERVICES CREDIT UNION | $595,000 | $1,175,000 | 97.5% | 0.0% |
| Preferred Bank | $6,505,000 | $1,175,000 | -81.9% | 0.0% |
| CARDINAL FINANCIAL | $7,875,000 | $1,165,000 | -85.2% | 0.0% |
| ENVOY MORTGAGE, LTD | $1,225,000 | $1,145,000 | -6.5% | 0.0% |
| Armed Forces Bank | $705,000 | $1,140,000 | 61.7% | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | $1,140,000 | n/a | 0.0% | |
| NBKC BANK | $365,000 | $1,135,000 | 211.0% | 0.0% |
| Discover Bank | $6,850,000 | $1,105,000 | -83.9% | 0.0% |
| NMSI, INC. | $3,845,000 | $1,090,000 | -71.7% | 0.0% |
| MACKILLIE INCORPORATED | $45,000 | $1,085,000 | 2,311.1% | 0.0% |
| UBS Bank USA | $1,085,000 | n/a | 0.0% | |
| GENISYS | $1,040,000 | n/a | 0.0% | |
| HighTechLending Inc | $235,000 | $1,040,000 | 342.6% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $1,025,000 | $1,020,000 | -0.5% | 0.0% |
| Citizens Business Bank | $555,000 | $1,005,000 | 81.1% | 0.0% |
| Arvest Bank | $980,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $255,000 | $975,000 | 282.4% | 0.0% |
| MICHIGAN MUTUAL, INC. | $745,000 | $970,000 | 30.2% | 0.0% |
| Merchants Mortgage & Trust Corporation | $590,000 | $965,000 | 63.6% | 0.0% |
| Northpointe Bank | $5,855,000 | $950,000 | -83.8% | 0.0% |
| PACIFIC SERVICE | $635,000 | $905,000 | 42.5% | 0.0% |
| Truist | $640,000 | $895,000 | 39.8% | 0.0% |
| V.I.P. MORTGAGE, INC. | $195,000 | $890,000 | 356.4% | 0.0% |
| Commercial Loan Corporation | $885,000 | n/a | 0.0% | |
| TRAVIS CREDIT UNION | $1,930,000 | $875,000 | -54.7% | 0.0% |
| Provident Credit Union | $75,000 | $860,000 | 1,046.7% | 0.0% |
| ML Mortgage Corp. | $1,075,000 | $850,000 | -20.9% | 0.0% |
| Nations Lending Corporation | $780,000 | $830,000 | 6.4% | 0.0% |
| BM Real Estate Services, Inc. | $805,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $810,000 | $790,000 | -2.5% | 0.0% |
| USAlliance Federal Credit Union | $170,000 | $790,000 | 364.7% | 0.0% |
| VERITAS FUNDING, LLC | $790,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $325,000 | $775,000 | 138.5% | 0.0% |
| AHL FUNDING | $395,000 | $760,000 | 92.4% | 0.0% |
| INFINITY EQUITY GROUP, INC. | $735,000 | n/a | 0.0% | |
| Strong Home Mortgage, LLC | $345,000 | $730,000 | 111.6% | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | $1,390,000 | $725,000 | -47.8% | 0.0% |
| UNCLE Credit Union | $1,370,000 | $710,000 | -48.2% | 0.0% |
| Ameris Bank | $580,000 | $705,000 | 21.6% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $590,000 | $680,000 | 15.3% | 0.0% |
| Watermark Capital, Inc. | $670,000 | n/a | 0.0% | |
| CANOPY MORTGAGE, LLC | $665,000 | n/a | 0.0% | |
| Farm Credit Mid-America, ACA | $665,000 | n/a | 0.0% | |
| Wilmington Savings Fund Society, FSB | $660,000 | n/a | 0.0% | |
| Exchange Bank | $655,000 | n/a | 0.0% | |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $1,380,000 | $650,000 | -52.9% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $645,000 | n/a | 0.0% | |
| LADERA LENDING, INC. | $975,000 | $635,000 | -34.9% | 0.0% |
| SANTA CLARA COUNTY | $290,000 | $635,000 | 119.0% | 0.0% |
| AMERICAN FINANCING CORPORATION | $1,265,000 | $615,000 | -51.4% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,420,000 | $610,000 | -57.0% | 0.0% |
| SACRAMENTO Credit Union | $205,000 | $605,000 | 195.1% | 0.0% |
| Kwik Mortgage Corporation | $305,000 | $590,000 | 93.4% | 0.0% |
| MERIWEST | $180,000 | $580,000 | 222.2% | 0.0% |
| Provident Savings Bank, F.S.B. | $575,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $325,000 | $550,000 | 69.2% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,160,000 | $550,000 | -52.6% | 0.0% |
| FIRST TECHNOLOGY | $550,000 | n/a | 0.0% | |
| PremierOne Credit Union | $520,000 | $525,000 | 1.0% | 0.0% |
| Presidential Bank, FSB | $525,000 | n/a | 0.0% | |
| Servion, Inc. | $515,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $925,000 | $505,000 | -45.4% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $145,000 | $500,000 | 244.8% | 0.0% |
| Operating Engineers Local Union #3 | $485,000 | n/a | 0.0% | |
| Quontic Bank | $1,170,000 | $485,000 | -58.5% | 0.0% |
| GENEVA FINANCIAL, LLC | $1,125,000 | $470,000 | -58.2% | 0.0% |
| WESTCOAST MORTGAGE GROUP AND REALTY COMPANY | $465,000 | n/a | 0.0% | |
| ALLIED MORTGAGE GROUP, INC. | $810,000 | $455,000 | -43.8% | 0.0% |
| CENTRAL VALLEY COMMUNITY BANK | $455,000 | n/a | 0.0% | |
| GSF Mortgage Corporation | $455,000 | n/a | 0.0% | |
| Comerica Bank | $170,000 | $435,000 | 155.9% | 0.0% |
| First National Bank of America | $3,305,000 | $435,000 | -86.8% | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | $435,000 | n/a | 0.0% | |
| Florida Capital Bank | $425,000 | n/a | 0.0% | |
| FRONTWAVE | $425,000 | n/a | 0.0% | |
| Pacific Lending LLC | $525,000 | $425,000 | -19.0% | 0.0% |
| GTE Federal Credit Union | $835,000 | $420,000 | -49.7% | 0.0% |
| Bell Bank | $415,000 | n/a | 0.0% | |
| Logan Finance Corporation | $770,000 | $405,000 | -47.4% | 0.0% |
| SNAPFI, INC. | $855,000 | $405,000 | -52.6% | 0.0% |
| KEYPOINT | $380,000 | $400,000 | 5.3% | 0.0% |
| Mission City Federal Credit Union | $110,000 | $395,000 | 259.1% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $1,550,000 | $385,000 | -75.2% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $2,860,000 | $385,000 | -86.5% | 0.0% |
| STANFORD Federal Credit Union | $515,000 | $375,000 | -27.2% | 0.0% |
| First Federal Bank | $370,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $350,000 | $360,000 | 2.9% | 0.0% |
| CLEARPATH LENDING | $285,000 | $345,000 | 21.1% | 0.0% |
| USE Credit Union | $345,000 | n/a | 0.0% | |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $400,000 | $340,000 | -15.0% | 0.0% |
| First-Citizens Bank & Trust Company | $265,000 | $335,000 | 26.4% | 0.0% |
| AFFINITY | $510,000 | $325,000 | -36.3% | 0.0% |
| City Lending Inc. | $325,000 | n/a | 0.0% | |
| VALLEY STRONG CREDIT UNION | $290,000 | $315,000 | 8.6% | 0.0% |
| Axos Bank | $305,000 | n/a | 0.0% | |
| FIRST COMMUNITY MORTGAGE, INC. | $305,000 | n/a | 0.0% | |
| RANLIFE, INC. | $275,000 | $295,000 | 7.3% | 0.0% |
| CHEVRON | $155,000 | $280,000 | 80.6% | 0.0% |
| AMERICAN FIRST | $275,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $220,000 | $275,000 | 25.0% | 0.0% |
| HomeTrust Bank | $115,000 | $265,000 | 130.4% | 0.0% |
| CAMPOS FINANCIAL CORP. | $255,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $1,735,000 | $255,000 | -85.3% | 0.0% |
| WESCOM CENTRAL CREDIT UNION | $120,000 | $255,000 | 112.5% | 0.0% |
| HomeStreet Bank | $245,000 | n/a | 0.0% | |
| ONY GLO, INC. | $1,015,000 | $245,000 | -75.9% | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | $345,000 | $225,000 | -34.8% | 0.0% |
| NuVision Federal Credit Union | $225,000 | n/a | 0.0% | |
| SKYONE Federal Credit Union | $65,000 | $225,000 | 246.2% | 0.0% |
| Baxter Credit Union | $205,000 | n/a | 0.0% | |
| GREENSTATE CREDIT UNION | $205,000 | n/a | 0.0% | |
| MOCSE Federal Credit Union | $185,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $2,015,000 | $185,000 | -90.8% | 0.0% |
| RBC Bank, (Georgia) | $185,000 | n/a | 0.0% | |
| San Mateo Credit Union | $415,000 | $160,000 | -61.4% | 0.0% |
| M&T Bank | $355,000 | $155,000 | -56.3% | 0.0% |
| American Airlines Federal Credit Union | $700,000 | $140,000 | -80.0% | 0.0% |
| TECHNOLOGY | $55,000 | $140,000 | 154.5% | 0.0% |
| BAY EQUITY LLC | $930,000 | $135,000 | -85.5% | 0.0% |
| THE FIRST FINANCIAL Federal Credit Union | $65,000 | $135,000 | 107.7% | 0.0% |
| United States Senate Federal Credit Union | $85,000 | $115,000 | 35.3% | 0.0% |
| BAY | $105,000 | n/a | 0.0% | |
| Fidelity Bank | $105,000 | n/a | 0.0% | |
| HERITAGE COMMUNITY CREDIT UNION | $105,000 | n/a | 0.0% | |
| Noble Federal Credit Union | $35,000 | $105,000 | 200.0% | 0.0% |
| LOGIX FEDERAL CREDIT UNION | $100,000 | n/a | 0.0% | |
| JMJ FINANCIAL GROUP | $95,000 | n/a | 0.0% | |
| CBC Federal Credit Union | $205,000 | $85,000 | -58.5% | 0.0% |
| California Coast Credit Union | $235,000 | $75,000 | -68.1% | 0.0% |
| Boeing Employees Credit Union | $1,185,000 | $65,000 | -94.5% | 0.0% |
| DIGITAL Federal Credit Union | $65,000 | n/a | 0.0% | |
| LAFAYETTE FEDERAL CREDIT UNION | $65,000 | n/a | 0.0% | |
| Connexus Credit Union | $160,000 | $45,000 | -71.9% | 0.0% |
| PARTNERS | $45,000 | n/a | 0.0% | |
| MYPOINT Credit Union | $25,000 | n/a | 0.0% |
MODESTO's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 14.3% market share. In second place, with 8.1%, is QUICKEN LOANS, LLC, having originated $206,950,000 in loans. In third place, with 4.6%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $116,695,000 in loans. In fourth place, with 3.3%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $84,330,000 in loans. In fifth place, with 3.2%, is KBHS HOME LOANS, LLC, having originated $81,990,000 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 (10.7%) | 1.24 | 722 |
| 2018-04-01 | $359,500 (10.6%) | $454,420 (11.0%) | 1.22 | 753 |
| 2018-05-01 | $364,950 (10.8%) | $450,889 (9.3%) | 1.22 | 842 |
| 2018-06-01 | $355,000 (6.2%) | $430,577 (4.5%) | 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%) | $416,617 (0.9%) | 1.15 | 1,078 |
| 2018-12-01 | $340,000 (0.0%) | $413,487 (-3.2%) | 1.17 | 1,025 |
| 2019-01-01 | $339,985 (-1.9%) | $413,501 (-5.0%) | 1.17 | 925 |
| 2019-02-01 | $344,611 (-0.7%) | $416,254 (-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%) | 1.20 | 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 | $532,438 (7.7%) | $620,356 (3.7%) | 1.20 | 359 |
| 2023-07-01 | $524,900 (9.4%) | $613,757 (10.9%) | 1.19 | 415 |
| 2023-08-01 | $517,500 (9.0%) | $625,275 (13.9%) | 1.19 | 442 |
| 2023-09-01 | $504,629 (6.8%) | $625,382 (14.8%) | 1.17 | 449 |
| 2023-10-01 | $520,000 (10.6%) | $629,180 (14.0%) | 1.22 | 489 |
| 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 |
| 2024-05-01 | $532,000 (0.4%) | $628,863 (0.1%) | 1.21 | 539 |
| 2024-06-01 | $527,995 (-0.8%) | $618,015 (-0.4%) | 1.20 | 578 |
| 2024-07-01 | $529,923 (1.0%) | $630,957 (2.8%) | 1.21 | 632 |
| 2024-08-01 | $534,999 (3.4%) | $620,420 (-0.8%) | 1.24 | 684 |
| 2024-09-01 | $528,975 (4.8%) | $611,585 (-2.2%) | 1.24 | 695 |
| 2024-10-01 | $523,450 (0.7%) | $611,646 (-2.8%) | 1.24 | 692 |
| 2024-11-01 | $520,000 (4.0%) | $633,218 (2.4%) | 1.25 | 701 |
| 2024-12-01 | $515,000 (1.0%) | $641,764 (2.2%) | 1.28 | 585 |
| 2025-01-01 | $522,500 (0.0%) | $642,233 (2.7%) | 1.30 | 557 |
| 2025-02-01 | $517,573 (-1.4%) | $633,120 (1.7%) | 1.26 | 623 |
| 2025-03-01 | $525,000 (1.0%) | $638,085 (2.1%) | 1.24 | 649 |
| 2025-04-01 | $525,000 (-0.8%) | $628,459 (-1.1%) | 1.22 | 733 |
| 2025-05-01 | $526,000 (-1.1%) | $629,339 (0.1%) | 1.20 | 789 |
| 2025-06-01 | $515,000 (-2.5%) | $619,490 (0.2%) | 1.17 | 854 |
| 2025-07-01 | $516,450 (-2.5%) | $633,455 (0.4%) | 1.18 | 936 |
| 2025-08-01 | $509,950 (-4.7%) | $606,393 (-2.3%) | 1.19 | 927 |
| 2025-09-01 | $502,663 (-5.0%) | $604,002 (-1.2%) | 1.18 | 882 |
| 2025-10-01 | $500,000 (-4.5%) | $622,037 (1.7%) | 1.18 | 833 |
| 2025-11-01 | $505,000 (-2.9%) | $640,892 (1.2%) | 1.22 | 807 |
| 2025-12-01 | $506,423 (-1.7%) | $638,700 (-0.5%) | 1.27 | 716 |
| 2026-01-01 | $504,900 (-3.4%) | $598,520 (-6.8%) | 1.26 | 657 |
| 2026-02-01 | $502,475 (-2.9%) | $589,030 (-7.0%) | 1.24 | 662 |
| 2026-03-01 | $507,495 (-3.3%) | $629,526 (-1.3%) | 1.22 | 664 |
| 2026-04-01 | $510,500 (-2.8%) | $621,833 (-1.1%) | 1.20 | 703 |
| 2026-05-01 | $524,900 (-0.2%) | $628,179 (-0.2%) | 1.22 | 737 |
| 2026-06-01 | $522,500 (1.5%) | $631,235 (1.9%) | 1.22 | 742 |
| 2026-07-01 | $514,620 (-0.4%) | $628,354 (-0.8%) | 1.20 | 793 |
| 2026-08-01 | $510,450 (0.1%) | $608,931 (0.4%) | 1.20 | 787 |
| 2026-09-01 | $507,950 (1.1%) | $597,673 (-1.1%) | 0.00 | 874 |
| 2026-10-01 | $499,900 (0.0%) | $589,641 (-5.2%) | 0.00 | 875 |
MODESTO's median listing price for 2026-10-01 was $499,900, a difference of
$-100
(0.0%) versus the prior year and
$-8,050 versus the prior month.
MODESTO's median listing price comes in at 0% of the national average.
MODESTO's average listing price for 2026-10-01 was $589,641, a difference of $-32,396 (-5.2%) versus the prior year and $-8,032 versus the prior month.
For the 2026-10-01 period, MODESTO had 875 MLS listings, a difference of 1 listings (0%) versus the prior month and 42 listings (5%) versus the prior year.
MODESTO's median listing price comes in at 0% of the national average.
MODESTO's average listing price for 2026-10-01 was $589,641, a difference of $-32,396 (-5.2%) versus the prior year and $-8,032 versus the prior month.
For the 2026-10-01 period, MODESTO had 875 MLS listings, a difference of 1 listings (0%) versus the prior month and 42 listings (5%) 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 | 1,863 sqft |
| 2023-07-01 | 33 days | 1,857 sqft |
| 2023-08-01 | 34 days | 1,829 sqft |
| 2023-09-01 | 37 days | 1,783 sqft |
| 2023-10-01 | 37 days | 1,827 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 |
| 2024-05-01 | 30 days | 1,795 sqft |
| 2024-06-01 | 37 days | 1,795 sqft |
| 2024-07-01 | 39 days | 1,781 sqft |
| 2024-08-01 | 42 days | 1,798 sqft |
| 2024-09-01 | 44 days | 1,770 sqft |
| 2024-10-01 | 48 days | 1,743 sqft |
| 2024-11-01 | 50 days | 1,730 sqft |
| 2024-12-01 | 55 days | 1,721 sqft |
| 2025-01-01 | 60 days | 1,732 sqft |
| 2025-02-01 | 36 days | 1,730 sqft |
| 2025-03-01 | 38 days | 1,760 sqft |
| 2025-04-01 | 37 days | 1,771 sqft |
| 2025-05-01 | 42 days | 1,785 sqft |
| 2025-06-01 | 43 days | 1,758 sqft |
| 2025-07-01 | 44 days | 1,788 sqft |
| 2025-08-01 | 48 days | 1,779 sqft |
| 2025-09-01 | 54 days | 1,768 sqft |
| 2025-10-01 | 58 days | 1,793 sqft |
| 2025-11-01 | 54 days | 1,792 sqft |
| 2025-12-01 | 59 days | 1,780 sqft |
| 2026-01-01 | 57 days | 1,746 sqft |
| 2026-02-01 | 44 days | 1,723 sqft |
| 2026-03-01 | 43 days | 1,711 sqft |
| 2026-04-01 | 40 days | 1,735 sqft |
| 2026-05-01 | 43 days | 1,781 sqft |
| 2026-06-01 | 44 days | 1,776 sqft |
| 2026-07-01 | 42 days | 1,732 sqft |
| 2026-08-01 | 45 days | 1,747 sqft |
| 2026-09-01 | 0 days | 1,703 sqft |
| 2026-10-01 | 0 days | 1,691 sqft |
MODESTO's median listing age (time on market) for 2026-10-01 was 0 days.
This
is -100%
shorter
than the same period one year ago.
MODESTO's median square footage for active listings during the 2026-10-01 period was 1,691 sqft. One year prior, the average listing was 1,793 sqft.
MODESTO's median square footage for active listings during the 2026-10-01 period was 1,691 sqft. One year prior, the average listing was 1,793 sqft.
MODESTO, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 4,079 | $1,677,475,000 | $411,247 |
| Cash Out Refi | 1,493 | $357,415,000 | $239,394 |
| Refi | 912 | $346,030,000 | $379,419 |
| Other | 819 | $82,595,000 | $100,849 |
| Home Improvement | 564 | $80,290,000 | $142,358 |
| NA | 5 | $1,475,000 | $295,000 |
Modesto's most frequently cited loan purpose was Home Purchase, with 4,079 originations. The 2nd most popular reason was Cash Out Refi, with 1,493 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 3,142 | $1,217,740,000 | $387,568 |
| Over 8% | 1,620 | $212,050,000 | $130,895 |
| 5-6% | 1,553 | $675,635,000 | $435,052 |
| 7-8% | 1,050 | $301,370,000 | $287,019 |
| 4-5% | 208 | $86,540,000 | $416,058 |
| <2.5% | 161 | $4,025,000 | $25,000 |
| 3-4% | 32 | $11,960,000 | $373,750 |
| 2.5-3% | 3 | $765,000 | $255,000 |
During 2025, Modesto's most frequently originated rate bucket was 6-7%, with 3,142 originations.
Loan Sizing (MODESTO, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 2,486 | $785,850,000 | $316,110 |
| $400k-600k | 2,433 | $1,156,115,000 | $475,181 |
| $100,000 or less | 1,518 | $86,060,000 | $56,693 |
| $100k-200k | 1,031 | $142,665,000 | $138,375 |
| $600k-1000k | 348 | $240,060,000 | $689,828 |
| $Over $1MM | 56 | $134,530,000 | $2,402,321 |
MODESTO's loan sizing saw the bucket of loans from $200k-400k with 2,486 originations, totaling $785,850,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 2,960 | $1,331,790,000 | $449,929 |
| Under 20% | 1,571 | $104,435,000 | $66,477 |
| 60-80% | 1,507 | $629,065,000 | $417,429 |
| 20-40% | 848 | $131,760,000 | $155,377 |
| 40-60% | 688 | $217,850,000 | $316,642 |
| Over 100% | 73 | $42,805,000 | $586,370 |
MODESTO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,960 originations, totaling $1,331,790,000 in origination value.