MERCED Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Merced averaged
6.71%
for the week of 2024-11-14, compared to the national average of
6.78% for the same period.
The average rate for the prior week (2024-11-07) was
6.82% and
one month ago for the week of 2024-10-10, the
average rate was 6.15%.
Merced's average rate one year ago was 7.63%.
For refis of the same type during the week of 2024-11-14, the average rate
was 7.08%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-14 | 6.78% |
| Merced 30 Year Fixed Rate | 2024-11-14 | 6.71% |
| Merced 30 Year Fixed Rate Refi | 2024-11-14 | 7.08% |
| Merced 15 Year Fixed Rate | 2024-11-14 | 6.19% |
| Merced 15 Year Fixed Rate Refi | 2024-11-14 | 6.29% |
| Merced 30 Year FHA | 2024-11-14 | -0.19% |
| Merced 30 Year FHA Refi | 2024-11-14 | 0.1% |
| Merced 30 Year USDA | 2024-11-14 | 0.2% |
| Merced 30 Year USDA Refi | 2024-11-14 | -0.1% |
| Merced 30 Year VA | 2024-11-14 | -0.39% |
| Merced 30 Year VA Refi | 2024-11-14 | -0.2% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within MERCED, CA.
MERCED 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 MERCED, 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.).
MERCED Average Closing Costs & Other Stats
MERCED, CA's 129 lenders originated 2,909
loans during 2023. The total origination value was $852,985,000, with an average loan value of
$293,223.
MERCED's average closing costs are $6,440.
The top MERCED lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
170 loans originated. Their average total fees are
$10,015, which is $1,820
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee MERCED lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($3,961), INSPIRE HOME LOANS INC. ($5,855), Wells Fargo Bank ($6,189), JPMorgan Chase Bank ($6,264) and Mr. Cooper ( Nationstar Mortgage ) ($8,169).
The lowest rate MERCED lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.74%), INSPIRE HOME LOANS INC. (6.13%), LOANDEPOT.COM, LLC (6.25%), JPMorgan Chase Bank (6.37%) and AMERICAN FINANCIAL NETWORK, INC. (6.49%).
MERCED, 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 | $136,570,000 | $131,890,000 | -3.4% | 15.5% |
| DHI MORTGAGE COMPANY, LTD. | $95,630,000 | $59,845,000 | -37.4% | 7.0% |
| QUICKEN LOANS, LLC | $115,540,000 | $56,890,000 | -50.8% | 6.7% |
| AMERICAN FINANCIAL NETWORK, INC. | $39,650,000 | n/a | 4.6% | |
| LOANDEPOT.COM, LLC | $70,475,000 | $30,850,000 | -56.2% | 3.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $43,385,000 | $20,775,000 | -52.1% | 2.4% |
| Golden Empire Mortgage, Inc. | $5,060,000 | $19,945,000 | 294.2% | 2.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $31,785,000 | $18,635,000 | -41.4% | 2.2% |
| Flagstar Bank, FSB | $6,465,000 | $18,205,000 | 181.6% | 2.1% |
| GREYSTONE SERVICING COMPANY LLC | $17,790,000 | n/a | 2.1% | |
| Century Mortgage Company DBA Century Lending Company | $2,425,000 | $17,405,000 | 617.7% | 2.0% |
| INSPIRE HOME LOANS INC. | $20,595,000 | $15,325,000 | -25.6% | 1.8% |
| MERCED SCHOOL EMPLOYEES FEDERAL CREDIT UNION | $22,310,000 | $14,435,000 | -35.3% | 1.7% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $21,555,000 | $13,040,000 | -39.5% | 1.5% |
| ENVOY MORTGAGE, LTD | $25,670,000 | $12,250,000 | -52.3% | 1.4% |
| ACADEMY MORTGAGE CORPORATION | $12,795,000 | $11,975,000 | -6.4% | 1.4% |
| RESIDENTIAL BANCORP | $16,535,000 | $11,245,000 | -32.0% | 1.3% |
| JPMorgan Chase Bank | $14,155,000 | $11,115,000 | -21.5% | 1.3% |
| SCENIC OAKS FUNDING, INC. | $22,860,000 | $10,725,000 | -53.1% | 1.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $15,360,000 | $10,220,000 | -33.5% | 1.2% |
| SUMMIT FUNDING, INC. | $25,130,000 | $9,640,000 | -61.6% | 1.1% |
| Bank of America | $14,470,000 | $9,110,000 | -37.0% | 1.1% |
| CARDINAL FINANCIAL | $13,275,000 | $8,725,000 | -34.3% | 1.0% |
| Sierra Pacific Mortgage Company, Inc. | $4,600,000 | $7,505,000 | 63.2% | 0.9% |
| GUILD MORTGAGE COMPANY | $12,035,000 | $7,455,000 | -38.1% | 0.9% |
| OCMBC, INC. | $1,680,000 | $7,135,000 | 324.7% | 0.8% |
| GUARANTEED RATE, INC. | $7,675,000 | $6,705,000 | -12.6% | 0.8% |
| PNC Bank | $7,435,000 | $6,355,000 | -14.5% | 0.7% |
| Wells Fargo Bank | $30,105,000 | $6,085,000 | -79.8% | 0.7% |
| TRAVIS CREDIT UNION | $11,955,000 | $5,965,000 | -50.1% | 0.7% |
| Paramount Residential Mortgage Group, Inc. | $32,250,000 | $5,815,000 | -82.0% | 0.7% |
| Arbor Realty Trust, Inc. | $5,805,000 | n/a | 0.7% | |
| PLAZA HOME MORTGAGE, INC. | $12,310,000 | $5,520,000 | -55.2% | 0.6% |
| ALAMEDA MORTGAGE CORPORATION | $7,320,000 | $5,290,000 | -27.7% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $18,755,000 | $5,175,000 | -72.4% | 0.6% |
| Educational Employees Credit Union | $5,875,000 | $5,090,000 | -13.4% | 0.6% |
| Farmers & Merchants Bank of Central California | $5,830,000 | $5,050,000 | -13.4% | 0.6% |
| LAND HOME FINANCIAL SERVICES, INC. | $10,160,000 | $4,870,000 | -52.1% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $16,045,000 | $4,825,000 | -69.9% | 0.6% |
| Tri Counties Bank | $5,510,000 | $4,610,000 | -16.3% | 0.5% |
| U.S. Bank | $14,190,000 | $4,455,000 | -68.6% | 0.5% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $2,875,000 | $4,110,000 | 43.0% | 0.5% |
| Mortgage Research Center, LLC | $10,850,000 | $4,030,000 | -62.9% | 0.5% |
| S1L, Inc. | $5,585,000 | $3,915,000 | -29.9% | 0.5% |
| SUN WEST MORTGAGE COMPANY, INC. | $9,075,000 | $3,760,000 | -58.6% | 0.4% |
| FREEDOM MORTGAGE CORPORATION | $23,085,000 | $3,610,000 | -84.4% | 0.4% |
| NEWREZ LLC | $4,100,000 | $3,535,000 | -13.8% | 0.4% |
| EVERETT FINANCIAL, INC. | $7,570,000 | $3,445,000 | -54.5% | 0.4% |
| LEADERONE FINANCIAL CORPORATION | $275,000 | $3,315,000 | 1,105.5% | 0.4% |
| Northpointe Bank | $4,985,000 | $3,260,000 | -34.6% | 0.4% |
| Prosperity Home Mortgage, LLC | $2,145,000 | $3,210,000 | 49.7% | 0.4% |
| Merchants Capital Corp. | $3,205,000 | n/a | 0.4% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $9,535,000 | $3,195,000 | -66.5% | 0.4% |
| THE GOLDEN 1 | $5,180,000 | $2,840,000 | -45.2% | 0.3% |
| LENDINGHOME FUNDING CORPORATION | $5,785,000 | $2,805,000 | -51.5% | 0.3% |
| AMWEST FUNDING CORP. | $5,735,000 | $2,750,000 | -52.0% | 0.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $6,920,000 | $2,620,000 | -62.1% | 0.3% |
| Citadel Servicing Corporation | $1,630,000 | $2,565,000 | 57.4% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $7,275,000 | $2,545,000 | -65.0% | 0.3% |
| First National Bank of America | $1,170,000 | $2,530,000 | 116.2% | 0.3% |
| NEXERA HOLDING LLC | $2,085,000 | $2,420,000 | 16.1% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $6,385,000 | $2,375,000 | -62.8% | 0.3% |
| BROKER SOLUTIONS, INC. | $6,815,000 | $2,005,000 | -70.6% | 0.2% |
| MLD MORTGAGE INC. | $2,745,000 | $1,965,000 | -28.4% | 0.2% |
| CMG MORTGAGE, INC. | $3,860,000 | $1,920,000 | -50.3% | 0.2% |
| Commerce Home Mortgage, Inc. | $10,310,000 | $1,855,000 | -82.0% | 0.2% |
| Discover Bank | $1,650,000 | $1,825,000 | 10.6% | 0.2% |
| BMO Harris Bank | $45,000 | $1,750,000 | 3,788.9% | 0.2% |
| 21ST MORTGAGE CORPORATION | $1,150,000 | $1,590,000 | 38.3% | 0.2% |
| Equity Prime Mortgage LLC | $2,570,000 | $1,575,000 | -38.7% | 0.2% |
| Performance Financial, Inc. | $1,570,000 | n/a | 0.2% | |
| VAL-CHRIS INVESTMENTS, INC. | $1,530,000 | n/a | 0.2% | |
| Self-Help Federal Credit Union | $3,405,000 | $1,485,000 | -56.4% | 0.2% |
| Mechanics Bank | $18,795,000 | $1,480,000 | -92.1% | 0.2% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $1,840,000 | $1,450,000 | -21.2% | 0.2% |
| The Loan Store, Inc. | $1,450,000 | n/a | 0.2% | |
| MOVEMENT MORTGAGE, LLC | $11,670,000 | $1,430,000 | -87.7% | 0.2% |
| GUARANTY HOME MORTGAGE CORPORATION | $1,375,000 | n/a | 0.2% | |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $1,370,000 | n/a | 0.2% | |
| STAR ONE CREDIT UNION | $2,550,000 | $1,370,000 | -46.3% | 0.2% |
| Hometown Equity Mortgage, LLC | $3,925,000 | $1,355,000 | -65.5% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $1,440,000 | $1,330,000 | -7.6% | 0.2% |
| Greenbox Loans, Inc. | $1,330,000 | $1,325,000 | -0.4% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $9,500,000 | $1,320,000 | -86.1% | 0.2% |
| MOUNTAIN WEST FINANCIAL, INC. | $6,510,000 | $1,265,000 | -80.6% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $1,815,000 | $1,230,000 | -32.2% | 0.1% |
| Figure Lending LLC | $1,560,000 | $1,225,000 | -21.5% | 0.1% |
| BETTER MORTGAGE CORPORATION | $2,780,000 | $1,210,000 | -56.5% | 0.1% |
| Lakeview Community Capital, LLC | $2,905,000 | $1,085,000 | -62.7% | 0.1% |
| MERCO Credit Union | $2,415,000 | $1,080,000 | -55.3% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $3,800,000 | $1,080,000 | -71.6% | 0.1% |
| Northwest Farm Credit Services, FLCA | $125,000 | $1,065,000 | 752.0% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,115,000 | $1,045,000 | -50.6% | 0.1% |
| BAY-VALLEY MORTGAGE GROUP | $1,025,000 | n/a | 0.1% | |
| NMSI, INC. | $2,900,000 | $1,025,000 | -64.7% | 0.1% |
| Carrington Mortgage Services, LLC | $4,805,000 | $1,020,000 | -78.8% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $4,955,000 | $1,010,000 | -79.6% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $4,575,000 | $1,005,000 | -78.0% | 0.1% |
| AXIA FINANCIAL, LLC | $425,000 | $975,000 | 129.4% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $950,000 | n/a | 0.1% | |
| VILLAGE CAPITAL MORTGAGE | $1,155,000 | $945,000 | -18.2% | 0.1% |
| Provident Credit Union | $725,000 | $920,000 | 26.9% | 0.1% |
| CITIZENS EQUITY FIRST | $385,000 | $900,000 | 133.8% | 0.1% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $285,000 | $890,000 | 212.3% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $2,965,000 | $875,000 | -70.5% | 0.1% |
| HOME APPROVALS DIRECT, INC. | $620,000 | $860,000 | 38.7% | 0.1% |
| Lend Smart Mortgage, LLC | $9,260,000 | $860,000 | -90.7% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $1,420,000 | $840,000 | -40.8% | 0.1% |
| PATELCO | $1,605,000 | $830,000 | -48.3% | 0.1% |
| Coastal Community Bank | $815,000 | n/a | 0.1% | |
| BAY | $1,670,000 | $805,000 | -51.8% | 0.1% |
| Golden Bank | $800,000 | n/a | 0.1% | |
| Cathay Bank | $315,000 | $785,000 | 149.2% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $3,470,000 | $760,000 | -78.1% | 0.1% |
| NP, Inc. | $760,000 | n/a | 0.1% | |
| SNAPFI, INC. | $745,000 | n/a | 0.1% | |
| SANTA CLARA COUNTY | $1,485,000 | $740,000 | -50.2% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $2,835,000 | $710,000 | -75.0% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $2,025,000 | $685,000 | -66.2% | 0.1% |
| FBC MORTGAGE, LLC | $2,030,000 | $680,000 | -66.5% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $265,000 | $660,000 | 149.1% | 0.1% |
| CrossFirst Bank | $655,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $2,060,000 | $640,000 | -68.9% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,155,000 | $635,000 | -45.0% | 0.1% |
| OAKTREE FUNDING CORP. | $295,000 | $625,000 | 111.9% | 0.1% |
| Citibank | $3,470,000 | $600,000 | -82.7% | 0.1% |
| MK LENDING CORP. | $1,545,000 | $600,000 | -61.2% | 0.1% |
| NEW DAY FINANCIAL, LLC | $1,060,000 | $590,000 | -44.3% | 0.1% |
| LOANPAL, LLC | $7,025,000 | $565,000 | -92.0% | 0.1% |
| First-Citizens Bank & Trust Company | $255,000 | $555,000 | 117.6% | 0.1% |
| LANTZMAN MANAGEMENT, INC. | $1,080,000 | $535,000 | -50.5% | 0.1% |
| EMM LOANS LLC | $530,000 | n/a | 0.1% | |
| Bank of Stockton | $1,745,000 | $525,000 | -69.9% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $400,000 | $510,000 | 27.5% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $905,000 | $505,000 | -44.2% | 0.1% |
| VERITAS FUNDING, LLC | $915,000 | $490,000 | -46.4% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $1,235,000 | $485,000 | -60.7% | 0.1% |
| DIRECTIONS EQUITY, LLC | $305,000 | $485,000 | 59.0% | 0.1% |
| SPRING EQ, LLC | $2,510,000 | $485,000 | -80.7% | 0.1% |
| CLEARPATH LENDING | $525,000 | $480,000 | -8.6% | 0.1% |
| Cornerstone First Mortgage, Inc | $175,000 | $470,000 | 168.6% | 0.1% |
| Umpqua Bank | $6,535,000 | $470,000 | -92.8% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $1,840,000 | $465,000 | -74.7% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $730,000 | $455,000 | -37.7% | 0.1% |
| TruHome Solutions, LLC | $455,000 | n/a | 0.1% | |
| Neighborhood Loans, Inc. | $445,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $525,000 | $435,000 | -17.1% | 0.1% |
| PLANET HOME LENDING, LLC | $4,485,000 | $425,000 | -90.5% | 0.0% |
| SANTA CRUZ COMMUNITY CREDIT UNION | $425,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $425,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $320,000 | $420,000 | 31.3% | 0.0% |
| PREMIER LENDING, INC. | $965,000 | $415,000 | -57.0% | 0.0% |
| MORTGAGEONE, INC. | $525,000 | $395,000 | -24.8% | 0.0% |
| NexBank | $1,540,000 | $395,000 | -74.4% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $395,000 | n/a | 0.0% | |
| Sierra Lending Corporation | $355,000 | $395,000 | 11.3% | 0.0% |
| BECKAM FUNDING CORP. | $355,000 | $385,000 | 8.5% | 0.0% |
| COMMUNITY MORTGAGE FUNDING, LLC | $215,000 | $375,000 | 74.4% | 0.0% |
| GENEVA FINANCIAL, LLC | $215,000 | $365,000 | 69.8% | 0.0% |
| The Federal Savings Bank | $2,590,000 | $365,000 | -85.9% | 0.0% |
| ONY GLO, INC. | $360,000 | n/a | 0.0% | |
| AHL FUNDING | $385,000 | $355,000 | -7.8% | 0.0% |
| Axos Bank | $860,000 | $355,000 | -58.7% | 0.0% |
| Ally Bank | $2,010,000 | $345,000 | -82.8% | 0.0% |
| DAS Acquisition Company, LLC | $355,000 | $335,000 | -5.6% | 0.0% |
| Nations Lending Corporation | $2,490,000 | $335,000 | -86.5% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $1,570,000 | $325,000 | -79.3% | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $325,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $290,000 | $315,000 | 8.6% | 0.0% |
| Valley First Credit Union | $1,025,000 | $315,000 | -69.3% | 0.0% |
| Franklin Loan Corporation | $720,000 | $305,000 | -57.6% | 0.0% |
| PACIFIC SERVICE | $795,000 | $305,000 | -61.6% | 0.0% |
| M&T Bank | $605,000 | $300,000 | -50.4% | 0.0% |
| Citizens Bank | $365,000 | $295,000 | -19.2% | 0.0% |
| EQUITY WAVE LENDING, INC. | $285,000 | n/a | 0.0% | |
| ST FIN CORP | $285,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $565,000 | $285,000 | -49.6% | 0.0% |
| Fremont Bank | $1,220,000 | $270,000 | -77.9% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $315,000 | $265,000 | -15.9% | 0.0% |
| DIRECTORS MORTGAGE, INC. | $265,000 | n/a | 0.0% | |
| Wyndham Capital Mortgage, Inc. | $1,050,000 | $265,000 | -74.8% | 0.0% |
| AmeriHome Mortgage Company, LLC | $765,000 | $255,000 | -66.7% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $2,670,000 | $255,000 | -90.4% | 0.0% |
| BRIDGELOCK CAPITAL | $355,000 | $255,000 | -28.2% | 0.0% |
| PHH Mortgage Corporation | $2,230,000 | $255,000 | -88.6% | 0.0% |
| REDWOOD | $150,000 | $255,000 | 70.0% | 0.0% |
| T. J. FINANCIAL, INC. | $195,000 | $255,000 | 30.8% | 0.0% |
| JMAC LENDING, INC. | $245,000 | n/a | 0.0% | |
| STANFORD Federal Credit Union | $940,000 | $245,000 | -73.9% | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | $235,000 | n/a | 0.0% | |
| EXCITE Credit Union | $385,000 | $235,000 | -39.0% | 0.0% |
| GOOGAIN, INC. | $1,250,000 | $225,000 | -82.0% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $225,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $75,000 | $220,000 | 193.3% | 0.0% |
| CENTRAL COAST LENDING, INC. | $215,000 | n/a | 0.0% | |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $4,725,000 | $215,000 | -95.4% | 0.0% |
| THRIVE MORTGAGE, LLC | $215,000 | n/a | 0.0% | |
| Merchants Mortgage & Trust Corporation | $450,000 | $205,000 | -54.4% | 0.0% |
| MID-VALLEY SERVICES, INC. | $330,000 | $205,000 | -37.9% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $195,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $750,000 | $190,000 | -74.7% | 0.0% |
| DIGNIFIED HOME LOANS, LLC | $185,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $185,000 | n/a | 0.0% | |
| MACKILLIE INCORPORATED | $275,000 | $185,000 | -32.7% | 0.0% |
| ARC HOME LLC | $175,000 | n/a | 0.0% | |
| Magnolia Bank | $780,000 | $175,000 | -77.6% | 0.0% |
| PremierOne Credit Union | $1,135,000 | $175,000 | -84.6% | 0.0% |
| SAN DIEGO COUNTY CREDIT UNION | $485,000 | $170,000 | -64.9% | 0.0% |
| First Savings Bank | $2,235,000 | $165,000 | -92.6% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $895,000 | $165,000 | -81.6% | 0.0% |
| UNCLE Credit Union | $165,000 | n/a | 0.0% | |
| Truist | $425,000 | $160,000 | -62.4% | 0.0% |
| INTELLILOAN, INC. | $1,375,000 | $155,000 | -88.7% | 0.0% |
| OPEN MORTGAGE, LLC | $630,000 | $155,000 | -75.4% | 0.0% |
| North Coast Financial, Inc. | $145,000 | n/a | 0.0% | |
| JMJ FINANCIAL GROUP | $135,000 | n/a | 0.0% | |
| CHERRY CREEK MORTGAGE, LLC | $330,000 | $125,000 | -62.1% | 0.0% |
| KINECTA | $120,000 | n/a | 0.0% | |
| SCHOOLSFIRST | $1,975,000 | $110,000 | -94.4% | 0.0% |
| HomeTrust Bank | $75,000 | $105,000 | 40.0% | 0.0% |
| Zions Bank | $1,160,000 | $105,000 | -90.9% | 0.0% |
| MERIWEST | $155,000 | $100,000 | -35.5% | 0.0% |
| FIRST TECHNOLOGY | $985,000 | $95,000 | -90.4% | 0.0% |
| ALLIANT CREDIT UNION | $85,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $680,000 | $75,000 | -89.0% | 0.0% |
| FIRST NATIONS HOME FINANCE CORPORATION | $75,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $720,000 | $75,000 | -89.6% | 0.0% |
| A&D Mortgage LLC | $315,000 | $55,000 | -82.5% | 0.0% |
| CommonWealth Central Credit Union | $330,000 | $55,000 | -83.3% | 0.0% |
| GTE Federal Credit Union | $205,000 | $55,000 | -73.2% | 0.0% |
| S&T Bank | $55,000 | n/a | 0.0% | |
| Firefighters First Federal Credit Union | $155,000 | $35,000 | -77.4% | 0.0% |
| First American Bank | $35,000 | n/a | 0.0% |
MERCED's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 15.5% market share. In second place, with 7.0%, is DHI MORTGAGE COMPANY, LTD., having originated $59,845,000 in loans. In third place, with 6.7%, is QUICKEN LOANS, LLC, having originated $56,890,000 in loans. In fourth place, with 4.6%, is AMERICAN FINANCIAL NETWORK, INC., having originated $39,650,000 in loans. In fifth place, with 3.6%, is LOANDEPOT.COM, LLC, having originated $30,850,000 in loans.
MERCED Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - MERCED (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 | $299,450 (7.0%) | $350,837 (3.5%) | 1.11 | 477 |
| 2018-02-01 | $298,733 (8.6%) | $354,156 (-20.3%) | 1.08 | 457 |
| 2018-03-01 | $296,170 (8.2%) | $346,615 (3.0%) | 1.04 | 460 |
| 2018-04-01 | $294,925 (5.7%) | $339,152 (-0.2%) | 1.00 | 475 |
| 2018-05-01 | $299,475 (6.0%) | $358,718 (2.2%) | 1.00 | 455 |
| 2018-06-01 | $298,840 (4.9%) | $362,682 (0.9%) | 1.00 | 455 |
| 2018-07-01 | $305,000 (5.2%) | $367,378 (3.0%) | 1.02 | 489 |
| 2018-08-01 | $310,065 (8.6%) | $371,008 (7.7%) | 1.04 | 534 |
| 2018-09-01 | $300,000 (3.6%) | $358,518 (3.1%) | 1.01 | 572 |
| 2018-10-01 | $305,915 (5.6%) | $372,978 (8.0%) | 1.04 | 634 |
| 2018-11-01 | $299,900 (0.5%) | $353,721 (1.5%) | 1.02 | 652 |
| 2018-12-01 | $299,900 (-1.7%) | $354,790 (0.9%) | 1.03 | 653 |
| 2019-01-01 | $299,475 (0.0%) | $360,698 (2.8%) | 1.03 | 619 |
| 2019-02-01 | $305,250 (2.2%) | $358,154 (1.1%) | 1.03 | 642 |
| 2019-03-01 | $311,714 (5.3%) | $589,720 (70.1%) | 1.02 | 628 |
| 2019-04-01 | $318,908 (8.1%) | $749,855 (121.1%) | 1.01 | 622 |
| 2019-05-01 | $325,250 (8.6%) | $385,989 (7.6%) | 1.02 | 640 |
| 2019-06-01 | $329,900 (10.4%) | $393,216 (8.4%) | 1.03 | 665 |
| 2019-07-01 | $333,700 (9.4%) | $402,317 (9.5%) | 1.04 | 653 |
| 2019-08-01 | $329,136 (6.2%) | $396,528 (6.9%) | 1.04 | 642 |
| 2019-09-01 | $324,841 (8.3%) | $396,435 (10.6%) | 1.04 | 620 |
| 2019-10-01 | $321,977 (5.3%) | $396,373 (6.3%) | 1.04 | 605 |
| 2019-11-01 | $320,000 (6.7%) | $395,190 (11.7%) | 1.05 | 546 |
| 2019-12-01 | $319,950 (6.7%) | $400,226 (12.8%) | 1.07 | 519 |
| 2020-01-01 | $316,969 (5.8%) | $399,872 (10.9%) | 1.06 | 489 |
| 2020-02-01 | $329,900 (8.1%) | $406,221 (13.4%) | 1.08 | 446 |
| 2020-03-01 | $337,500 (8.3%) | $388,434 (-34.1%) | 1.06 | 429 |
| 2020-04-01 | $344,500 (8.0%) | $387,096 (-48.4%) | 1.08 | 433 |
| 2020-05-01 | $349,900 (7.6%) | $886,825 (129.8%) | 1.06 | 442 |
| 2020-06-01 | $349,950 (6.1%) | $393,833 (0.2%) | 1.03 | 377 |
| 2020-07-01 | $349,225 (4.7%) | $474,433 (17.9%) | 1.01 | 295 |
| 2020-08-01 | $347,500 (5.6%) | $495,306 (24.9%) | 1.00 | 225 |
| 2020-09-01 | $333,185 (2.6%) | $506,156 (27.7%) | 0.95 | 216 |
| 2020-10-01 | $339,900 (5.6%) | $512,485 (29.3%) | 0.97 | 232 |
| 2020-11-01 | $345,000 (7.8%) | $497,379 (25.9%) | 1.01 | 287 |
| 2020-12-01 | $369,950 (15.6%) | $533,576 (33.3%) | 1.10 | 244 |
| 2021-01-01 | $379,000 (19.6%) | $569,047 (42.3%) | 1.13 | 198 |
| 2021-02-01 | $377,900 (14.6%) | $605,898 (49.2%) | 1.10 | 174 |
| 2021-03-01 | $379,675 (12.5%) | $603,936 (55.5%) | 1.08 | 173 |
| 2021-04-01 | $378,675 (9.9%) | $604,881 (56.3%) | 1.03 | 158 |
| 2021-05-01 | $385,000 (10.0%) | $610,046 (-31.2%) | 1.02 | 161 |
| 2021-06-01 | $390,450 (11.6%) | $586,095 (48.8%) | 1.03 | 191 |
| 2021-07-01 | $395,000 (13.1%) | $585,220 (23.4%) | 1.04 | 214 |
| 2021-08-01 | $400,703 (15.3%) | $588,135 (18.7%) | 1.07 | 232 |
| 2021-09-01 | $399,950 (20.0%) | $579,196 (14.4%) | 1.07 | 274 |
| 2021-10-01 | $412,500 (21.4%) | $619,992 (21.0%) | 1.10 | 260 |
| 2021-11-01 | $424,975 (23.2%) | $721,416 (45.0%) | 1.14 | 247 |
| 2021-12-01 | $429,500 (16.1%) | $704,181 (32.0%) | 1.16 | 231 |
| 2022-01-01 | $437,000 (15.3%) | $740,690 (30.2%) | 1.18 | 187 |
| 2022-02-01 | $449,500 (19.0%) | $757,590 (25.0%) | 1.17 | 195 |
| 2022-03-01 | $447,500 (17.9%) | $725,601 (20.2%) | 1.12 | 222 |
| 2022-04-01 | $450,000 (18.8%) | $714,953 (18.2%) | 1.07 | 259 |
| 2022-05-01 | $471,000 (22.3%) | $719,866 (18.0%) | 1.08 | 319 |
| 2022-06-01 | $469,745 (20.3%) | $703,604 (20.1%) | 1.05 | 390 |
| 2022-07-01 | $445,999 (12.9%) | $614,826 (5.1%) | 1.00 | 473 |
| 2022-08-01 | $433,375 (8.2%) | $610,052 (3.7%) | 1.00 | 462 |
| 2022-09-01 | $435,225 (8.8%) | $611,810 (5.6%) | 1.02 | 455 |
| 2022-10-01 | $428,000 (3.8%) | $540,096 (-12.9%) | 1.01 | 450 |
| 2022-11-01 | $420,000 (-1.2%) | $533,140 (-26.1%) | 1.01 | 438 |
| 2022-12-01 | $428,500 (-0.2%) | $514,681 (-26.9%) | 1.06 | 381 |
| 2023-01-01 | $422,245 (-3.4%) | $509,052 (-31.3%) | 1.05 | 332 |
| 2023-02-01 | $439,500 (-2.2%) | $549,859 (-27.4%) | 1.06 | 300 |
| 2023-03-01 | $437,000 (-2.4%) | $543,071 (-25.2%) | 1.03 | 284 |
| 2023-04-01 | $440,995 (-2.0%) | $553,191 (-22.6%) | 1.03 | 245 |
| 2023-05-01 | $449,985 (-4.5%) | $562,926 (-21.8%) | 1.02 | 242 |
| 2023-06-01 | $449,945 (-4.2%) | $556,262 (-20.9%) | 1.01 | 273 |
| 2023-07-01 | $449,000 (0.7%) | $551,192 (-10.4%) | 1.02 | 307 |
| 2023-08-01 | $458,220 (5.7%) | $562,530 (-7.8%) | 1.05 | 315 |
| 2023-09-01 | $442,439 (1.7%) | $529,845 (-13.4%) | 1.03 | 333 |
| 2023-10-01 | $434,500 (1.5%) | $498,041 (-7.8%) | 1.02 | 347 |
| 2023-11-01 | $434,488 (3.5%) | $507,398 (-4.8%) | 1.03 | 342 |
| 2023-12-01 | $439,975 (2.7%) | $549,388 (6.7%) | 1.07 | 312 |
| 2024-01-01 | $443,498 (5.0%) | $554,264 (8.9%) | 1.08 | 274 |
| 2024-02-01 | $452,495 (3.0%) | $569,679 (3.6%) | 1.09 | 254 |
| 2024-03-01 | $466,514 (6.8%) | $585,844 (7.9%) | 1.10 | 269 |
| 2024-04-01 | $467,498 (6.0%) | $588,456 (6.4%) | 1.09 | 296 |
| 2024-05-01 | $483,553 (7.5%) | $631,715 (12.2%) | 1.09 | 288 |
| 2024-06-01 | $480,000 (6.7%) | $633,720 (13.9%) | 1.08 | 295 |
| 2024-07-01 | $475,368 (5.9%) | $593,006 (7.6%) | 1.09 | 324 |
| 2024-08-01 | $469,999 (2.6%) | $593,296 (5.5%) | 1.09 | 335 |
| 2024-09-01 | $468,448 (5.9%) | $576,119 (8.7%) | 1.10 | 398 |
| 2024-10-01 | $468,995 (7.9%) | $567,955 (14.0%) | 1.10 | 405 |
MERCED's median listing price for 2024-10-01 was $468,995, a difference of
$34,495
(7.9%) versus the prior year and
$547 versus the prior month.
MERCED's median listing price comes in at 110% of the national average.
MERCED's average listing price for 2024-10-01 was $567,955, a difference of $69,914 (14.0%) versus the prior year and $-8,164 versus the prior month.
For the 2024-10-01 period, MERCED had 405 MLS listings, a difference of 7 listings (2%) versus the prior month and 58 listings (17%) versus the prior year.
MERCED's median listing price comes in at 110% of the national average.
MERCED's average listing price for 2024-10-01 was $567,955, a difference of $69,914 (14.0%) versus the prior year and $-8,164 versus the prior month.
For the 2024-10-01 period, MERCED had 405 MLS listings, a difference of 7 listings (2%) versus the prior month and 58 listings (17%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - MERCED (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 53 days | 1,757 sqft |
| 2018-02-01 | 49 days | 1,757 sqft |
| 2018-03-01 | 43 days | 1,730 sqft |
| 2018-04-01 | 39 days | 1,700 sqft |
| 2018-05-01 | 40 days | 1,744 sqft |
| 2018-06-01 | 43 days | 1,749 sqft |
| 2018-07-01 | 42 days | 1,774 sqft |
| 2018-08-01 | 44 days | 1,733 sqft |
| 2018-09-01 | 48 days | 1,729 sqft |
| 2018-10-01 | 43 days | 1,760 sqft |
| 2018-11-01 | 52 days | 1,720 sqft |
| 2018-12-01 | 64 days | 1,726 sqft |
| 2019-01-01 | 73 days | 1,720 sqft |
| 2019-02-01 | 66 days | 1,776 sqft |
| 2019-03-01 | 58 days | 1,818 sqft |
| 2019-04-01 | 50 days | 1,867 sqft |
| 2019-05-01 | 46 days | 1,870 sqft |
| 2019-06-01 | 51 days | 1,854 sqft |
| 2019-07-01 | 52 days | 1,876 sqft |
| 2019-08-01 | 55 days | 1,843 sqft |
| 2019-09-01 | 61 days | 1,829 sqft |
| 2019-10-01 | 64 days | 1,818 sqft |
| 2019-11-01 | 65 days | 1,814 sqft |
| 2019-12-01 | 73 days | 1,761 sqft |
| 2020-01-01 | 69 days | 1,719 sqft |
| 2020-02-01 | 62 days | 1,772 sqft |
| 2020-03-01 | 55 days | 1,806 sqft |
| 2020-04-01 | 61 days | 1,804 sqft |
| 2020-05-01 | 69 days | 1,844 sqft |
| 2020-06-01 | 65 days | 1,862 sqft |
| 2020-07-01 | 67 days | 1,834 sqft |
| 2020-08-01 | 52 days | 1,827 sqft |
| 2020-09-01 | 47 days | 1,746 sqft |
| 2020-10-01 | 37 days | 1,749 sqft |
| 2020-11-01 | 32 days | 1,729 sqft |
| 2020-12-01 | 45 days | 1,831 sqft |
| 2021-01-01 | 52 days | 1,815 sqft |
| 2021-02-01 | 31 days | 1,683 sqft |
| 2021-03-01 | 33 days | 1,649 sqft |
| 2021-04-01 | 41 days | 1,700 sqft |
| 2021-05-01 | 40 days | 1,700 sqft |
| 2021-06-01 | 27 days | 1,692 sqft |
| 2021-07-01 | 31 days | 1,713 sqft |
| 2021-08-01 | 34 days | 1,739 sqft |
| 2021-09-01 | 35 days | 1,724 sqft |
| 2021-10-01 | 39 days | 1,703 sqft |
| 2021-11-01 | 43 days | 1,593 sqft |
| 2021-12-01 | 50 days | 1,619 sqft |
| 2022-01-01 | 58 days | 1,564 sqft |
| 2022-02-01 | 36 days | 1,568 sqft |
| 2022-03-01 | 29 days | 1,658 sqft |
| 2022-04-01 | 33 days | 1,693 sqft |
| 2022-05-01 | 35 days | 1,775 sqft |
| 2022-06-01 | 37 days | 1,780 sqft |
| 2022-07-01 | 37 days | 1,720 sqft |
| 2022-08-01 | 49 days | 1,702 sqft |
| 2022-09-01 | 56 days | 1,713 sqft |
| 2022-10-01 | 52 days | 1,727 sqft |
| 2022-11-01 | 59 days | 1,731 sqft |
| 2022-12-01 | 71 days | 1,744 sqft |
| 2023-01-01 | 77 days | 1,717 sqft |
| 2023-02-01 | 79 days | 1,790 sqft |
| 2023-03-01 | 55 days | 1,709 sqft |
| 2023-04-01 | 48 days | 1,711 sqft |
| 2023-05-01 | 43 days | 1,738 sqft |
| 2023-06-01 | 37 days | 1,743 sqft |
| 2023-07-01 | 40 days | 1,725 sqft |
| 2023-08-01 | 44 days | 1,719 sqft |
| 2023-09-01 | 46 days | 1,677 sqft |
| 2023-10-01 | 45 days | 1,667 sqft |
| 2023-11-01 | 50 days | 1,694 sqft |
| 2023-12-01 | 64 days | 1,671 sqft |
| 2024-01-01 | 67 days | 1,705 sqft |
| 2024-02-01 | 44 days | 1,722 sqft |
| 2024-03-01 | 38 days | 1,763 sqft |
| 2024-04-01 | 37 days | 1,727 sqft |
| 2024-05-01 | 35 days | 1,763 sqft |
| 2024-06-01 | 43 days | 1,750 sqft |
| 2024-07-01 | 42 days | 1,763 sqft |
| 2024-08-01 | 46 days | 1,744 sqft |
| 2024-09-01 | 45 days | 1,655 sqft |
| 2024-10-01 | 48 days | 1,735 sqft |
MERCED's median listing age (time on market) for 2024-10-01 was 48 days.
This
is 7%
longer
than the same period one year ago.
MERCED's median square footage for active listings during the 2024-10-01 period was 1,735 sqft. One year prior, the average listing was 1,667 sqft.
MERCED's median square footage for active listings during the 2024-10-01 period was 1,735 sqft. One year prior, the average listing was 1,667 sqft.
MERCED, 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.
| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 93610 | Merced, CA MSA | $890 | $900 | $1,160 | $1,650 | $1,820 |
| 93620 | Merced, CA MSA | $830 | $900 | $1,100 | $1,570 | $1,870 |
| 93622 | Merced, CA MSA | $830 | $830 | $1,080 | $1,540 | $1,730 |
| 93635 | Merced, CA MSA | $1,020 | $1,210 | $1,480 | $2,100 | $2,520 |
| 93661 | Merced, CA MSA | $850 | $1,010 | $1,240 | $1,760 | $2,110 |
| 93665 | Merced, CA MSA | $770 | $900 | $1,100 | $1,570 | $1,870 |
| 95301 | Merced, CA MSA | $820 | $970 | $1,190 | $1,690 | $2,030 |
| 95303 | Merced, CA MSA | $870 | $1,030 | $1,260 | $1,790 | $2,150 |
| 95312 | Merced, CA MSA | $710 | $840 | $1,030 | $1,460 | $1,750 |
| 95315 | Merced, CA MSA | $920 | $1,100 | $1,340 | $1,900 | $2,280 |
| 95316 | Merced, CA MSA | $1,010 | $1,040 | $1,330 | $1,880 | $2,200 |
| 95317 | Merced, CA MSA | $730 | $880 | $1,070 | $1,520 | $1,820 |
| 95322 | Merced, CA MSA | $850 | $970 | $1,190 | $1,690 | $2,030 |
| 95324 | Merced, CA MSA | $990 | $1,180 | $1,440 | $2,050 | $2,450 |
| 95333 | Merced, CA MSA | $760 | $910 | $1,110 | $1,580 | $1,890 |
| 95334 | Merced, CA MSA | $870 | $1,030 | $1,260 | $1,790 | $2,150 |
| 95340 | Merced, CA MSA | $880 | $1,050 | $1,280 | $1,820 | $2,180 |
| 95341 | Merced, CA MSA | $800 | $950 | $1,160 | $1,650 | $1,980 |
| 95343 | Merced, CA MSA | $850 | $1,010 | $1,240 | $1,760 | $2,110 |
| 95344 | Merced, CA MSA | $850 | $1,010 | $1,240 | $1,760 | $2,110 |
| 95348 | Merced, CA MSA | $980 | $1,160 | $1,420 | $2,020 | $2,420 |
| 95360 | Merced, CA MSA | $950 | $980 | $1,250 | $1,770 | $2,070 |
| 95365 | Merced, CA MSA | $690 | $830 | $1,010 | $1,440 | $1,730 |
| 95369 | Merced, CA MSA | $840 | $1,000 | $1,220 | $1,730 | $2,080 |
| 95374 | Merced, CA MSA | $840 | $1,000 | $1,220 | $1,730 | $2,080 |
| 95380 | Merced, CA MSA | $950 | $990 | $1,250 | $1,770 | $2,080 |
| 95388 | Merced, CA MSA | $690 | $830 | $1,010 | $1,440 | $1,730 |
2022 Average & Median Rent Data Statistics
MERCED, CA average 1BR rent: $982, median: $990
MERCED, CA average 2BR rent: $1,210, median: $1,220
MERCED, CA average 3BR rent: $1,720, median: $1,730
MERCED, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,882 | $661,190,000 | $351,323 |
| Cash Out Refi | 451 | $102,315,000 | $226,863 |
| Other | 243 | $24,745,000 | $101,831 |
| Home Improvement | 214 | $21,190,000 | $99,019 |
| Refi | 116 | $43,010,000 | $370,776 |
| NA | 3 | $535,000 | $178,333 |
Merced's most frequently cited loan purpose was Home Purchase, with 1,882 originations. The 2nd most popular reason was Cash Out Refi, with 451 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,044 | $359,960,000 | $344,789 |
| 5-6% | 608 | $220,820,000 | $363,191 |
| 7-8% | 528 | $146,530,000 | $277,519 |
| Over 8% | 443 | $62,925,000 | $142,043 |
| <2.5% | 97 | $2,165,000 | $22,320 |
| 4-5% | 42 | $14,220,000 | $338,571 |
| 2.5-3% | 2 | $360,000 | $180,000 |
| 3-4% | 1 | $215,000 | $215,000 |
During 2023, Merced's most frequently originated rate bucket was 6-7%, with 1,044 originations.
Loan Sizing (MERCED, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,353 | $425,105,000 | $314,194 |
| $400k-600k | 594 | $273,140,000 | $459,832 |
| $100,000 or less | 569 | $28,985,000 | $50,940 |
| $100k-200k | 341 | $48,995,000 | $143,680 |
| $600k-1000k | 43 | $29,985,000 | $697,326 |
| $Over $1MM | 9 | $46,775,000 | $5,197,222 |
MERCED's loan sizing saw the bucket of loans from $200k-400k with 1,353 originations, totaling $425,105,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,317 | $503,865,000 | $382,585 |
| 60-80% | 568 | $181,090,000 | $318,820 |
| Under 20% | 504 | $26,360,000 | $52,302 |
| 20-40% | 261 | $34,145,000 | $130,824 |
| 40-60% | 203 | $83,885,000 | $413,227 |
| Over 100% | 21 | $8,635,000 | $411,190 |
MERCED's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,317 originations, totaling $503,865,000 in origination value.