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Oakdale calls itself the cowboy capital, sits on the Stanislaus River where the valley starts rising toward the foothills, and holds a rodeo every April.
Explore mortgage options in Oakdale, Stanislaus County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Get personalized rates and expert guidance from SRK CAPITAL's local mortgage team.
River and foothill prices, tracked apart
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
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The old commercial street with the civic buildings and the oldest houses.
The river corridor with parks, fishing access and larger parcels.
The eastern side where the ground begins to rise toward the foothills.
* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $149.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
Buying a home in Oakdale starts with matching the right loan program to the neighborhood you want and the payment you can carry.
Stanislaus County anchors this corner of the Central Valley's housing market, and Oakdale reflects it — lending volume, inventory, and price points here track the county while staying distinctly local.
Financing choices in Oakdale span conventional, FHA, VA, and jumbo structures, and the right fit depends on documentation, credit profile, and program-specific loan limits.
Oakdale borrowers frequently compare options against nearby communities such as Ceres, Hughson, Modesto.
Updated 9/8/2026
Stanislaus Ca Oakdale is updated daily with practical mortgage guidance for this page.