Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

California · Riverside-San Bernardino-Ontario, CA

Riverside County, CA: mortgages, home buyers & loan limits

What buyers in Riverside County actually borrowed, earned and paid in 2025, from the official Home Mortgage Disclosure Act records — plus the 2026 conforming and FHA loan limits.

HMDA 2025 data released June 23, 2026 · Loan limits for calendar year 2026

In 2025, lenders reported 18,689 home-purchase mortgages for owner-occupied, single-family homes in Riverside County, CA. The median buyer borrowed $535,000 on a home valued at $605,000 and reported a household income of $149,000.

Buyers financed a median 93% of the home's value (roughly 7% down), paid a median 6.625% on 30-year fixed conventional loans and faced median conventional loan costs of $7,890.

Lenders denied 10.6% of completed home-purchase applications.

Conforming limit 2026
$832,750
1-unit home · FHFA
FHA limit 2026
$690,000
1-unit home · HUD
Buyer income
$149,000
U.S. $116,000
30-yr fixed rate
6.625%
U.S. 6.625%
Loan costs
$7,890
Conventional · U.S. $5,570
Denial rate
10.6%
Purchase · U.S. 8.5%

Key facts about Riverside County mortgages

  • Home buyers' median income ($149,000) is 15% lower than the California median ($175,000).
  • Median conventional loan costs ($7,890) were 42% higher than the U.S. median ($5,570).
  • FHA loans made up 30.4% of purchase mortgages, versus 21.1% nationally.
  • The most common age bracket among borrowers was 25–34 (29.3% of purchase loans).
  • 43.2% of purchase mortgages had a single borrower with no co-applicant.
  • The most-cited reason for denial was debt-to-income ratio (44.0% of denials with a stated reason).

National rank among 1,994 counties with at least 100 purchase loans: median income of home buyers 118th · median home-purchase loan 61st · median conventional loan costs 36th · purchase application denial rate 425th. See rankings.

2026 loan limits in Riverside County

PropertyConforming 2026vs 2025FHA 2026vs 2025
1 unit $832,750 +$26,250 $690,000 +$17,250
2 units $1,066,250 +$33,600 $883,300 +$22,050
3 units $1,288,800 +$40,650 $1,067,750 +$26,700
4 units $1,601,750 +$50,500 $1,326,950 +$33,200

2026 limits for Riverside County, CA: conforming (Fannie Mae / Freddie Mac) from FHFA; FHA forward-mortgage limits from HUD. FHA treats this county as a high-cost area (limit above the national floor). Loans above the conforming limit are "jumbo" loans.

All California counties: California 2026 loan limits. FHFA and HUD normally announce the next year's limits in late November.

Who bought homes in Riverside County

Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.

Purchase loans
18,689
of 21,689 applications
Buyer income
$149,000
Middle half $116,000–$200,000
Home value
$605,000
Middle half $515,000–$715,000
Loan amount
$535,000
Middle half $425,000–$635,000
Down payment
7%
35.2% put 20%+ down
Single borrower
43.2%
No co-applicant

Values are medians; "middle half" is the 25th to 75th percentile.

Loan type

Conventional 56.3% 10,516
FHA 30.4% 5,679
VA 13.3% 2,486
USDA 0.0% 8

What the homes were for

Primary residence 92.7% 19,797
Second home 4.2% 905
Investment property 3.0% 651

All first-lien, closed-end purchase mortgages, including second homes and investors.

Borrower age

Under 25 3.9%
25–34 29.3%
35–44 27.1%
45–54 18.0%
55–64 12.8%
65–74 6.6%
75 and over 2.3%

Debt-to-income ratio

Under 20% 2.0%
20–29% 6.0%
30–35% 8.7%
36–42% 20.9%
43–49% 40.1%
50–60% 20.9%
Over 60% 1.3%

Monthly debts (including the new payment) as a share of income, as used in underwriting.

What borrowing cost in Riverside County

Medians for 2025 home-purchase loans. Total loan costs are section D of the Loan Estimate/Closing Disclosure (lender and third-party loan charges, excluding taxes, prepaids and escrow). FHA and VA costs include the upfront mortgage insurance premium or VA funding fee, so compare like with like.

MeasureRiverside CountyCaliforniaU.S.
30-year fixed rate · conventional6.625%6.625%6.625%
30-year fixed rate · FHA6.016%6.125%6.250%
30-year fixed rate · VA5.999%6.124%6.125%
15-year fixed rate · conventional5.875%5.750%5.875%
Rate spread vs. APOR · conventional+0.16 pts+0.09 pts+0.13 pts
Total loan costs · conventional$7,890$7,920$5,570
Total loan costs · FHA$17,350$17,220$11,310
Total loan costs · VA$8,890$8,600$6,490
Origination charges (all loan types)$2,290$2,350$1,860
Borrowers paying discount points55.7%47.2%51.3%
Points paid, when paid (% of loan)0.99%0.78%0.87%
Borrowers receiving lender credits34.1%39.8%33.1%
Adjustable-rate mortgages5.8%14.4%7.4%
Jumbo loans (above conforming limit)5.3%11.8%3.8%

Medians are shown only when at least 30 loans report the field. Rates are those reported at closing; market rates changed during 2025, which the rate spread (APR minus the average prime offer rate on the lock date) adjusts for.

Approvals and denials

Riverside County: 2,292 of 21,689 completed home-purchase applications were denied (10.6%).

Denial rate

ApplicationRiverside CountyCaliforniaU.S.
Home purchase10.6%8.9%8.5%
Conventional9.8%8.2%7.1%
FHA12.3%11.4%12.5%
VA9.5%8.7%8.0%
USDA—23.8%12.5%
Refinance23.5%17.5%17.9%
Cash-out refinance34.6%31.5%33.6%

Main reason for purchase denials

Debt-to-income ratio 44.0%
Credit history 10.2%
Collateral (appraisal/property) 10.1%
Other 8.7%
Insufficient cash (down payment/closing costs) 8.3%
Credit application incomplete 8.1%
Unverifiable information 7.8%
Employment history 2.7%

First reason the lender reported.

Denial rate = denied ÷ (originated + approved but not accepted + denied). Withdrawn and incomplete applications are excluded. Differences between places reflect who applies, not only lender behavior.

Refinancing in Riverside County

Refinances
4,742
Median loan $545,000
Refi rate
6.375%
30-yr fixed, conv.
Refi loan costs
$4,680
Conventional
Cash-out refis
4,003
Median loan $405,000
Cash-out rate
6.875%
30-yr fixed, conv.
Cash-out income
$123,000
Median borrower

Top mortgage lenders in Riverside County

468 lenders originated at least one home-purchase or refinance loan here in 2025. The table ranks them by loan count; pricing columns compare conventional purchase loans only.

#LenderLoansShareDenial rate30-yr rate*Spread*Costs*
1 United Wholesale Mortgage (UWM) 4,768 17.4% 9.3% 6.625% +0.24 $9,920
2 Rocket Mortgage, LLC 2,280 8.3% 12.4% 6.625% +0.16 $7,440
3 DHI Mortgage Company, Ltd. 869 3.2% 13.2% 5.500% −1.19 $4,750
4 Ocmbc, Inc. 842 3.1% 5.4% 6.875% +0.70 $15,280
5 loanDepot.com, LLC 804 2.9% 11.1% 6.575% +0.08 $8,010
6 Lennar Mortgage, LLC 762 2.8% 8.0% 4.875% −1.63 $6,160
7 Pennymac Loan Services, LLC 564 2.1% 16.9% 6.625% +0.26 $8,140
8 Freedom Mortgage Corporation 550 2.0% 13.5% — — —
9 The Loan Store, Inc. 519 1.9% 5.8% 6.625% +0.23 $7,990
10 CrossCountry Mortgage, Inc. 493 1.8% 1.1% 6.875% +0.41 $10,480
11 KBHS Home Loans, LLC 466 1.7% 8.0% 6.375% +0.00 $10,620
12 JPMorgan Chase Bank, N.A. 433 1.6% 15.8% 6.500% −0.05 $5,590
13 Pulte Mortgage LLC 414 1.5% 32.7% 5.875% −0.67 $790
14 Franklin Loan Corporation 394 1.4% 1.8% 6.875% +0.34 $7,230
15 Newrez LLC 381 1.4% 10.3% 6.750% +0.38 $8,480
16 Schoolsfirst 373 1.4% 2.2% 6.625% +0.03 $4,470
17 Rate 329 1.2% 5.8% 6.625% +0.22 $7,150
18 Veterans United Home Loans 312 1.1% 6.4% — — —
19 U.S. Bank, N.A. 307 1.1% 12.4% 6.500% +0.01 $7,470
20 Paramount Residential Mortgage Group, Inc. 292 1.1% 1.5% 6.750% +0.38 $9,670
21 New American Funding 278 1.0% 2.0% 6.875% +0.46 $7,410
22 Navy Federal Credit Union 263 1.0% 14.5% 6.500% −0.02 $5,060
23 Kind Lending, LLC 246 0.9% 27.4% 6.875% +0.33 $11,760
24 CMG Mortgage, Inc. 238 0.9% 4.5% 6.625% +0.29 $9,520
25 Fairway Independent Mortgage Corporation 237 0.9% 3.3% 6.625% +0.33 $8,560

Lenders in Riverside County, CA. Loans = home-purchase, refinance and cash-out originations (2025); share = share of those loans here; denial rate = home-purchase applications. *Medians for conventional home-purchase loans, shown with at least 20 loans; spread = APR minus the average prime offer rate at rate lock (percentage points); costs = total loan costs (section D).

Check a quote for Riverside County

Typical effective property-tax rate 0.78% = median real estate taxes ÷ median home value, U.S. Census Bureau ACS 2020–2024 5-year estimates.

Nearby counties

CountyDistancePurchase loansMedian loanBuyer incomeConforming limitFHA limit
Imperial County, CA60 mi747$375,000$112,000$832,750$541,287
San Diego County, CA66 mi17,413$725,000$202,000$1,104,000$1,104,000
San Bernardino County, CA79 mi13,281$485,000$137,000$832,750$690,000
Orange County, CA102 mi12,538$805,000$243,000$1,249,125$1,249,125
La Paz County, AZ113 mi28——$832,750$541,287
Los Angeles County, CA133 mi33,298$715,000$209,000$1,249,125$1,249,125

Frequently asked questions

What is the 2026 conforming loan limit in Riverside County?

$832,750 for a one-unit home (FHFA). Two- to four-unit limits are $1,066,250, $1,288,800, $1,601,750. Loans above the limit are jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac.

What is the 2026 FHA loan limit in Riverside County?

$690,000 for a one-unit home (HUD). Riverside County is an FHA high-cost area; HUD's median price used to set the limit is $600,000.

How much do home buyers in Riverside County earn?

The median household income reported on 2025 home-purchase mortgages was $149,000; the middle half of buyers reported $116,000 to $200,000.

What mortgage rate did buyers in Riverside County get in 2025?

The median rate on 30-year fixed conventional purchase loans was 6.625%; FHA borrowers paid a median 6.016%. These are rates locked during 2025; check today's rates with several lenders.

How often are mortgage applications denied in Riverside County?

10.6% of completed home-purchase applications were denied in 2025; the most common stated reason was debt-to-income ratio.

Sources: FFIEC/CFPB HMDA 2025 public loan/application register (Snapshot as of June 1, 2026); FHFA 2026 conforming loan limits; HUD 2026 FHA forward-mortgage limits; U.S. Census Bureau. Figures describe typical 2025 loans, not your offer. Methodology