YUBA CITY Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Yuba City averaged 6.42% for the week of 2024-03-21, compared to the national average of 6.87% for the same period.

The average rate for the prior week (2024-03-14) was 6.69% and one month ago for the week of 2024-02-15, the average rate was 6.62%.

Yuba City's average rate one year ago was 6.25%.

For refis of the same type during the week of 2024-03-21, the average rate was 6.87%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-03-21 6.87%
Yuba City 30 Year Fixed Rate 2024-03-21 6.42%
Yuba City 30 Year Fixed Rate Refi 2024-03-21 6.87%
Yuba City 15 Year Fixed Rate 2024-03-21 6.41%
Yuba City 15 Year Fixed Rate Refi 2024-03-21 6.51%
Yuba City 30 Year FHA 2024-03-21 6.39%
Yuba City 30 Year FHA Refi 2024-03-21 6.6%
Yuba City 30 Year USDA 2024-03-21 6.47%
Yuba City 30 Year USDA Refi 2024-03-21 6.77%
Yuba City 30 Year VA 2024-03-21 6.32%
Yuba City 30 Year VA Refi 2024-03-21 6.64%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within YUBA CITY, CA.

YUBA CITY 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 YUBA CITY, 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 191 6.67% $8,504
QUICKEN LOANS, LLC 68 6.76% $8,026
LOANDEPOT.COM, LLC 61 6.34% $5,620
GUILD MORTGAGE COMPANY 55 6.69% $10,012
AMERICAN PACIFIC MORTGAGE CORPORATION 48 6.65% $11,160
KBHS HOME LOANS, LLC 47 6.15% $11,495
EAGLE HOME MORTGAGE, LLC 34 5.49% $8,273
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 23 5.80% $7,064
Wells Fargo Bank 20 6.47% $4,131
Sierra Pacific Mortgage Company, Inc. 20 6.51% $9,991
HOMEAMERICAN MORTGAGE CORPORATION 19 5.47% $1,828
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 16 6.49% $9,984
The Loan Store, Inc. 15 6.98% $7,932
CARDINAL FINANCIAL 14 6.27% $9,400
GUARANTEED RATE, INC. 13 6.16% $9,541
BROKER SOLUTIONS, INC. 12 7.03% $7,286
U.S. Bank 12 6.61% $4,965
Flagstar Bank, FSB 10 6.64% $7,098
Tri Counties Bank 10 7.16% $3,055
SCHOOLSFIRST 10 6.39% $3,656
PENNYMAC LOAN SERVICES, LLC 10 6.79% $7,953
Paramount Residential Mortgage Group, Inc. 9 6.72% $9,005
JPMorgan Chase Bank 9 6.87% $4,437
PREMIER MORTGAGE RESOURCES, L.L.C. 9 6.79% $8,123
THE GOLDEN 1 8 6.88% $4,371
MOVEMENT MORTGAGE, LLC 7 6.62% $8,118
CROSSCOUNTRY MORTGAGE, LLC 6 6.69% $9,104
Century Mortgage Company DBA Century Lending Company 6 6.23% $8,136
PRIMELENDING, A PLAINSCAPITAL COMPANY 6 6.77% $8,358
CMG MORTGAGE, INC. 6 6.40% $6,767
ALAMEDA MORTGAGE CORPORATION 6 7.19% $12,396
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 6 6.46% $6,910
AMERISAVE MORTGAGE CORPORATION 6 6.10% $9,018
Mr. Cooper ( Nationstar Mortgage ) 6 6.97% $9,692
SAFE CREDIT UNION 5 6.53% $6,196
CORNERSTONE HOME LENDING, INC. 5 6.35% $13,668
Bank of America 5 6.75% $3,748
MASON MCDUFFIE MORTGAGE CORPORATION 4 7.16% $7,973
University Bank 4 7.09% $5,342
Discover Bank 4 7.07% $0
NEWREZ LLC 4 7.09% $5,629
SUMMIT FUNDING, INC. 4 6.47% $11,420
ACADEMY MORTGAGE CORPORATION 3 6.33% $7,282
CANOPY MORTGAGE, LLC 3 7.25% $13,953
DEEPHAVEN MORTGAGE LLC 3 7.67% $16,602
MUTUAL OF OMAHA MORTGAGE, INC. 3 6.00% $8,122
NAVY FEDERAL CREDIT UNION 3 6.38% $3,641
NFM, INC. 3 6.04% $7,256
PLAZA HOME MORTGAGE, INC. 3 5.42% $9,047
SNAPFI, INC. 3 6.33% $11,002
Umpqua Bank 3 6.88% $4,412
Commerce Home Mortgage, Inc. 2 7.38% $7,315
STAR ONE CREDIT UNION 2 4.25% $3,970
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.25% $8,592
DHI MORTGAGE COMPANY, LTD. 2 5.99% $3,762
PROVIDENT FUNDING ASSOCIATES, L.P. 2 6.94% $4,275
BETTER MORTGAGE CORPORATION 2 6.25% $3,160
USAA Federal Savings Bank 2 6.06% $6,157
NATIONS DIRECT MORTGAGE, LLC 2 6.81% $5,857
ROYAL UNITED MORTGAGE LLC 2 7.31% $5,856
Northwest Farm Credit Services, FLCA 2 7.40% $6,919
FREEDOM MORTGAGE CORPORATION 2 7.44% $7,188
INTERNATIONAL CITY MORTGAGE, INC. 2 7.13% $4,915
SCENIC OAKS FUNDING, INC. 2 8.00% $7,468
LOANPAL, LLC 2 6.37% $9,145
Sierra Central Credit Union 2 7.31% $4,890
GUARANTEED RATE AFFINITY, LLC 2 7.69% $4,861
VERITAS FUNDING, LLC 2 6.56% $11,858
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 6.99% $7,166
Constant Investments, Inc. 1 6.00% $13,771
PATELCO 1 6.75% $4,043
COMMUNITY MORTGAGE FUNDING, LLC 1 6.38% $5,063
Plains Commerce Bank 1 6.88% $5,106
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 7.99% $8,532
Citizens Bank 1 6.88% $11,304
RESIDENTIAL BANCORP 1 7.75% $3,881
S1L, Inc. 1 6.38% $5,694
Citadel Servicing Corporation 1 7.75% $16,938
CHURCHILL MORTGAGE CORPORATION 1 6.99% $4,504
Carrington Mortgage Services, LLC 1 3.00% $0
A&D Mortgage LLC 1 9.99% $9,662
CALCON MUTUAL MORTGAGE LLC 1 7.50% $25,829
Sunflower Bank 1 6.49% $4,928
BMO Harris Bank 1 6.50% $4,910
AXIA FINANCIAL, LLC 1 7.75% $10,496
Truist 1 6.63% $7,680
ZILLOW HOME LOANS, LLC 1 7.13% $19,583
Arvest Bank 1 6.50% $5,411
AmeriHome Mortgage Company, LLC 1 6.88% $3,820
JMAC LENDING, INC. 1 6.38% $2,672
Hometown Equity Mortgage, LLC 1 6.50% $7,033
HOMESIDE FINANCIAL, LLC 1 7.38% $4,666
LAKEVIEW LOAN SERVICING, LLC 1 6.63% $3,760
KINECTA 1 7.38% $9,939
LAND HOME FINANCIAL SERVICES, INC. 1 6.88% $22,393
Fremont Bank 1 6.99% $835
MK LENDING CORP. 1 8.38% $7,635
Morgan Stanley Private Bank 1 6.45% $3,193
MORTGAGE EQUITY PARTNERS LLC 1 7.50% $4,708
MOUNTAIN WEST FINANCIAL, INC. 1 6.88% $11,049
Florida Capital Bank 1 6.75% $4,876
Firefighters First Federal Credit Union 1 4.63% $10,211
M&T Bank 1 6.63% $7,511
AMERICAN FINANCING CORPORATION 1 6.25% $12,044
NBKC BANK 1 6.50% $2,900
NEXERA HOLDING LLC 1 8.63% $7,159
Valley First Credit Union 1 6.38% $5,117
NP, Inc. 1 8.87% $12,371
OAKTREE FUNDING CORP. 1 9.75% $26,424
OCMBC, INC. 1 7.38% $9,269

YUBA CITY Average Closing Costs & Other Stats

YUBA CITY, CA's 110 lenders originated 2,526 loans during 2023. The total origination value was $777,970,000, with an average loan value of $307,985.

YUBA CITY's average closing costs are $7,037.

The top YUBA CITY lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 191 loans originated. Their average total fees are $8,504, which is $477 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee YUBA CITY lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION ($1,828), Tri Counties Bank ($3,055), SCHOOLSFIRST ($3,656), Wells Fargo Bank ($4,131) and U.S. Bank ($4,965).

The lowest rate YUBA CITY lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION (5.47%), EAGLE HOME MORTGAGE, LLC (5.49%), K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. (5.80%), KBHS HOME LOANS, LLC (6.15%) and GUARANTEED RATE, INC. (6.16%).

YUBA CITY, 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 $227,645,000 $144,205,000 -36.7% 18.5%
LOANDEPOT.COM, LLC $76,945,000 $45,025,000 -41.5% 5.8%
QUICKEN LOANS, LLC $81,765,000 $40,640,000 -50.3% 5.2%
GUILD MORTGAGE COMPANY $21,285,000 $34,085,000 60.1% 4.4%
AMERICAN PACIFIC MORTGAGE CORPORATION $30,180,000 $33,560,000 11.2% 4.3%
KBHS HOME LOANS, LLC $3,255,000 $30,380,000 833.3% 3.9%
JPMorgan Chase Bank $13,245,000 $25,970,000 96.1% 3.3%
EAGLE HOME MORTGAGE, LLC $22,980,000 $21,945,000 -4.5% 2.8%
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. $17,950,000 $18,655,000 3.9% 2.4%
HOMEAMERICAN MORTGAGE CORPORATION $26,950,000 $16,700,000 -38.0% 2.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $31,685,000 $13,765,000 -56.6% 1.8%
Mortgage Research Center, LLC $22,430,000 $13,745,000 -38.7% 1.8%
PREMIER MORTGAGE RESOURCES, L.L.C. $10,125,000 $13,570,000 34.0% 1.7%
Sierra Pacific Mortgage Company, Inc. $7,595,000 $13,550,000 78.4% 1.7%
Century Mortgage Company DBA Century Lending Company $2,515,000 $11,305,000 349.5% 1.5%
Paramount Residential Mortgage Group, Inc. $12,830,000 $10,885,000 -15.2% 1.4%
SCHOOLSFIRST $12,540,000 $10,435,000 -16.8% 1.3%
U.S. Bank $12,210,000 $9,535,000 -21.9% 1.2%
SAFE CREDIT UNION $3,680,000 $9,185,000 149.6% 1.2%
THE GOLDEN 1 $8,740,000 $8,800,000 0.7% 1.1%
GUARANTEED RATE, INC. $10,290,000 $7,950,000 -22.7% 1.0%
PENNYMAC LOAN SERVICES, LLC $13,865,000 $7,650,000 -44.8% 1.0%
PLANET HOME LENDING, LLC $1,515,000 $7,535,000 397.4% 1.0%
CROSSCOUNTRY MORTGAGE, LLC $18,380,000 $7,290,000 -60.3% 0.9%
CARDINAL FINANCIAL $5,440,000 $7,090,000 30.3% 0.9%
Tri Counties Bank $19,930,000 $7,060,000 -64.6% 0.9%
Wells Fargo Bank $19,175,000 $6,770,000 -64.7% 0.9%
Flagstar Bank, FSB $9,550,000 $6,735,000 -29.5% 0.9%
BROKER SOLUTIONS, INC. $8,130,000 $6,300,000 -22.5% 0.8%
The Loan Store, Inc. $6,285,000 n/a 0.8%
Umpqua Bank $17,950,000 $5,610,000 -68.7% 0.7%
SUMMIT FUNDING, INC. $12,695,000 $5,510,000 -56.6% 0.7%
MOVEMENT MORTGAGE, LLC $13,130,000 $5,430,000 -58.6% 0.7%
FREEDOM MORTGAGE CORPORATION $21,505,000 $5,305,000 -75.3% 0.7%
CMG MORTGAGE, INC. $3,355,000 $4,270,000 27.3% 0.5%
Commerce Home Mortgage, Inc. $11,115,000 $4,225,000 -62.0% 0.5%
Sierra Central Credit Union $9,620,000 $4,095,000 -57.4% 0.5%
NEWREZ LLC $4,755,000 $3,930,000 -17.4% 0.5%
NFM, INC. $960,000 $3,895,000 305.7% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $17,775,000 $3,875,000 -78.2% 0.5%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $39,345,000 $3,765,000 -90.4% 0.5%
AMERISAVE MORTGAGE CORPORATION $14,060,000 $3,720,000 -73.5% 0.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $6,995,000 $3,345,000 -52.2% 0.4%
Bank of America $9,100,000 $3,080,000 -66.2% 0.4%
CORNERSTONE HOME LENDING, INC. $21,335,000 $3,040,000 -85.8% 0.4%
NAVY FEDERAL CREDIT UNION $7,215,000 $2,975,000 -58.8% 0.4%
ALAMEDA MORTGAGE CORPORATION $3,700,000 $2,755,000 -25.5% 0.4%
Carrington Mortgage Services, LLC $2,980,000 $2,695,000 -9.6% 0.3%
5TH STREET CAPITAL, INC. $1,755,000 $2,505,000 42.7% 0.3%
CANOPY MORTGAGE, LLC $2,725,000 $2,330,000 -14.5% 0.3%
DHI MORTGAGE COMPANY, LTD. $26,440,000 $2,300,000 -91.3% 0.3%
MASON MCDUFFIE MORTGAGE CORPORATION $2,940,000 $2,285,000 -22.3% 0.3%
ACADEMY MORTGAGE CORPORATION $24,860,000 $2,270,000 -90.9% 0.3%
S1L, Inc. $7,045,000 $2,035,000 -71.1% 0.3%
Discover Bank $975,000 $1,980,000 103.1% 0.3%
DEEPHAVEN MORTGAGE LLC $560,000 $1,855,000 231.3% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $525,000 $1,745,000 232.4% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $5,425,000 $1,575,000 -71.0% 0.2%
GUARANTEED RATE AFFINITY, LLC $2,820,000 $1,530,000 -45.7% 0.2%
PLAZA HOME MORTGAGE, INC. $5,410,000 $1,455,000 -73.1% 0.2%
University Bank $1,450,000 n/a 0.2%
LOANPAL, LLC $5,650,000 $1,440,000 -74.5% 0.2%
CALCON MUTUAL MORTGAGE LLC $800,000 $1,430,000 78.8% 0.2%
SNAPFI, INC. $1,395,000 n/a 0.2%
Plains Commerce Bank $405,000 $1,340,000 230.9% 0.2%
AMWEST FUNDING CORP. $2,645,000 $1,320,000 -50.1% 0.2%
Equity Prime Mortgage LLC $2,730,000 $1,320,000 -51.6% 0.2%
Firefighters First Federal Credit Union $610,000 $1,320,000 116.4% 0.2%
MOUNTAIN WEST FINANCIAL, INC. $2,910,000 $1,280,000 -56.0% 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,135,000 $1,270,000 11.9% 0.2%
CITY FIRST MORTGAGE SERVICES, L.L.C. $1,270,000 n/a 0.2%
PACIFIC RESIDENTIAL MORTGAGE, LLC $1,145,000 $1,250,000 9.2% 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $3,020,000 $1,215,000 -59.8% 0.2%
NATIONS DIRECT MORTGAGE, LLC $1,815,000 $1,195,000 -34.2% 0.2%
ZILLOW HOME LOANS, LLC $1,885,000 $1,185,000 -37.1% 0.2%
BETTER MORTGAGE CORPORATION $3,565,000 $1,105,000 -69.0% 0.1%
BMO Harris Bank $1,085,000 n/a 0.1%
INTERNATIONAL CITY MORTGAGE, INC. $1,065,000 n/a 0.1%
USAA Federal Savings Bank $3,800,000 $1,025,000 -73.0% 0.1%
AXIA FINANCIAL, LLC $485,000 $1,020,000 110.3% 0.1%
VILLAGE CAPITAL MORTGAGE $980,000 $1,000,000 2.0% 0.1%
First Northern Bank of Dixon $850,000 $990,000 16.5% 0.1%
TRIAD FINANCIAL SERVICES, INC. $890,000 $990,000 11.2% 0.1%
Figure Lending LLC $2,045,000 $975,000 -52.3% 0.1%
Florida Capital Bank $335,000 $975,000 191.0% 0.1%
NEW DAY FINANCIAL, LLC $1,345,000 $965,000 -28.3% 0.1%
Zions Bank $2,685,000 $950,000 -64.6% 0.1%
JMAC LENDING, INC. $405,000 $945,000 133.3% 0.1%
OCMBC, INC. $1,940,000 $935,000 -51.8% 0.1%
VERITAS FUNDING, LLC $690,000 $925,000 34.1% 0.1%
Citizens Bank $1,265,000 $870,000 -31.2% 0.1%
OAKTREE FUNDING CORP. $815,000 n/a 0.1%
TJC Mortgage, Inc. $2,245,000 $800,000 -64.4% 0.1%
Banner Bank $1,210,000 $785,000 -35.1% 0.1%
LAKEVIEW LOAN SERVICING, LLC $7,005,000 $755,000 -89.2% 0.1%
21ST MORTGAGE CORPORATION $1,185,000 $745,000 -37.1% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $1,930,000 $745,000 -61.4% 0.1%
STAR ONE CREDIT UNION $1,795,000 $740,000 -58.8% 0.1%
SCENIC OAKS FUNDING, INC. $910,000 $730,000 -19.8% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $690,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $1,425,000 $680,000 -52.3% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,115,000 $670,000 -39.9% 0.1%
PACIFIC SERVICE $625,000 $660,000 5.6% 0.1%
LONGBRIDGE FINANCIAL, LLC $1,055,000 $635,000 -39.8% 0.1%
Hometown Equity Mortgage, LLC $775,000 $585,000 -24.5% 0.1%
Northwest Farm Credit Services, FLCA $1,000,000 $550,000 -45.0% 0.1%
PATELCO $1,365,000 $535,000 -60.8% 0.1%
PNC Bank $4,105,000 $535,000 -87.0% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $985,000 $510,000 -48.2% 0.1%
LANTZMAN MANAGEMENT, INC. $265,000 $505,000 90.6% 0.1%
Truist $1,260,000 $505,000 -59.9% 0.1%
EVERETT FINANCIAL, INC. $4,120,000 $495,000 -88.0% 0.1%
NATIONWIDE MORTGAGE BANKERS, INC. $205,000 $495,000 141.5% 0.1%
MLD MORTGAGE INC. $485,000 n/a 0.1%
ALLIANT CREDIT UNION $765,000 $480,000 -37.3% 0.1%
First-Citizens Bank & Trust Company $445,000 $475,000 6.7% 0.1%
Citadel Servicing Corporation $1,675,000 $465,000 -72.2% 0.1%
Citibank $255,000 $460,000 80.4% 0.1%
Merchants Mortgage & Trust Corporation $450,000 n/a 0.1%
V.I.P. MORTGAGE, INC. $1,375,000 $445,000 -67.6% 0.1%
Logan Finance Corporation $435,000 n/a 0.1%
ALLIED MORTGAGE GROUP, INC. $430,000 n/a 0.1%
LENDINGHOME FUNDING CORPORATION $1,650,000 $430,000 -73.9% 0.1%
UNCLE Credit Union $425,000 n/a 0.1%
American Mortgage & Equity Consultants, Inc. $420,000 n/a 0.1%
ARC HOME LLC $630,000 $415,000 -34.1% 0.1%
Constant Investments, Inc. $415,000 n/a 0.1%
First Bank $895,000 $405,000 -54.7% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $720,000 $405,000 -43.8% 0.1%
Arvest Bank $395,000 n/a 0.1%
TOP FLITE FINANCIAL, INC. $295,000 $395,000 33.9% 0.1%
TRAVIS CREDIT UNION $1,185,000 $385,000 -67.5% 0.0%
HOMEOWNERS FINANCIAL GROUP USA, LLC $675,000 $380,000 -43.7% 0.0%
KINECTA $375,000 n/a 0.0%
FIRST U.S. COMMUNITY CREDIT UNION $685,000 $365,000 -46.7% 0.0%
MK LENDING CORP. $365,000 $365,000 0.0% 0.0%
NP, Inc. $365,000 n/a 0.0%
BEST FINANCE CAPITAL, INC. $355,000 n/a 0.0%
ONY GLO, INC. $355,000 n/a 0.0%
TOWER $355,000 n/a 0.0%
AMCAP MORTGAGE, LTD. $660,000 $350,000 -47.0% 0.0%
PHH Mortgage Corporation $2,750,000 $350,000 -87.3% 0.0%
COMMUNITY MORTGAGE FUNDING, LLC $25,000 $340,000 1,260.0% 0.0%
A&D Mortgage LLC $335,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $625,000 $335,000 -46.4% 0.0%
Morgan Stanley Private Bank $305,000 $335,000 9.8% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $335,000 $325,000 -3.0% 0.0%
Franklin Loan Corporation $960,000 $325,000 -66.1% 0.0%
NBKC BANK $755,000 $325,000 -57.0% 0.0%
MLB RESIDENTIAL LENDING, LLC $315,000 n/a 0.0%
iCore Lending, Inc. $305,000 n/a 0.0%
Self-Help Federal Credit Union $1,055,000 $305,000 -71.1% 0.0%
CHURCHILL MORTGAGE CORPORATION $700,000 $295,000 -57.9% 0.0%
M&T Bank $1,130,000 $285,000 -74.8% 0.0%
The Federal Savings Bank $2,910,000 $275,000 -90.5% 0.0%
AmeriHome Mortgage Company, LLC $755,000 $265,000 -64.9% 0.0%
NEXERA HOLDING LLC $875,000 $265,000 -69.7% 0.0%
Third Federal Savings and Loan Association of Cleveland $560,000 $265,000 -52.7% 0.0%
FINANCE OF AMERICA REVERSE LLC $2,480,000 $255,000 -89.7% 0.0%
RESIDENTIAL BANCORP $1,865,000 $250,000 -86.6% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $605,000 $245,000 -59.5% 0.0%
SOUTHWEST STAGE FUNDING, LLC $245,000 n/a 0.0%
Coastal Community Bank $240,000 n/a 0.0%
Provident Credit Union $230,000 n/a 0.0%
HOMESTEAD FUNDING CORP. $225,000 n/a 0.0%
Operating Engineers Local Union #3 $2,485,000 $225,000 -90.9% 0.0%
HOMEXPRESS MORTGAGE CORP. $2,070,000 $215,000 -89.6% 0.0%
LAND HOME FINANCIAL SERVICES, INC. $345,000 $215,000 -37.7% 0.0%
ROYAL UNITED MORTGAGE LLC $95,000 $190,000 100.0% 0.0%
SPRING EQ, LLC $3,125,000 $190,000 -93.9% 0.0%
San Joaquin Power Employees Credit Union $195,000 $185,000 -5.1% 0.0%
VAL-CHRIS INVESTMENTS, INC. $185,000 n/a 0.0%
Prosperity Home Mortgage, LLC $565,000 $180,000 -68.1% 0.0%
FIRST TECHNOLOGY $1,210,000 $170,000 -86.0% 0.0%
Greenbox Loans, Inc. $255,000 $155,000 -39.2% 0.0%
REDWOOD $1,290,000 $155,000 -88.0% 0.0%
San Mateo Credit Union $345,000 $155,000 -55.1% 0.0%
California Coast Credit Union $125,000 $135,000 8.0% 0.0%
HOMESIDE FINANCIAL, LLC $705,000 $135,000 -80.9% 0.0%
Valley First Credit Union $135,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $2,460,000 $130,000 -94.7% 0.0%
Fremont Bank $2,175,000 $125,000 -94.3% 0.0%
GTE Federal Credit Union $145,000 $125,000 -13.8% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $365,000 $120,000 -67.1% 0.0%
HERITAGE COMMUNITY CREDIT UNION $115,000 n/a 0.0%
MORTGAGE EQUITY PARTNERS LLC $115,000 n/a 0.0%
Alaska USA Federal Credit Union $105,000 n/a 0.0%
Sunflower Bank $730,000 $105,000 -85.6% 0.0%
Bethpage Federal Credit Union $85,000 n/a 0.0%
Deere Employees Credit Union $75,000 n/a 0.0%
UNIVERSITY CREDIT UNION $75,000 n/a 0.0%
Kaiperm Diablo Federal Credit Union $65,000 n/a 0.0%
THE POLICE Credit Union $795,000 $65,000 -91.8% 0.0%
SACRAMENTO Credit Union $100,000 $55,000 -45.0% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $980,000 $35,000 -96.4% 0.0%
TECHNOLOGY $35,000 n/a 0.0%
V.I.P. TRUST DEED COMPANY $35,000 n/a 0.0%
CHEVRON $25,000 n/a 0.0%
Mechanics Bank $1,320,000 $25,000 -98.1% 0.0%
First Bank $895,000 $5,000 -99.4% 0.0%

YUBA CITY's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 18.5% market share. In second place, with 5.8%, is LOANDEPOT.COM, LLC, having originated $45,025,000 in loans. In third place, with 5.2%, is QUICKEN LOANS, LLC, having originated $40,640,000 in loans. In fourth place, with 4.4%, is GUILD MORTGAGE COMPANY, having originated $34,085,000 in loans. In fifth place, with 4.3%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $33,560,000 in loans.


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

Realtor.com - YUBA CITY (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 $299,900 (9.9%) $357,671 (6.7%) 1.11 328
2018-02-01 $305,011 (5.6%) $360,799 (6.5%) 1.11 320
2018-03-01 $318,000 (9.1%) $371,630 (10.1%) 1.12 307
2018-04-01 $332,500 (11.6%) $383,980 (9.4%) 1.13 325
2018-05-01 $329,450 (11.1%) $384,696 (7.4%) 1.10 364
2018-06-01 $328,850 (9.6%) $382,254 (6.5%) 1.10 390
2018-07-01 $320,963 (7.0%) $367,120 (2.3%) 1.07 443
2018-08-01 $317,475 (6.2%) $359,482 (1.0%) 1.06 490
2018-09-01 $319,900 (7.0%) $356,294 (2.0%) 1.08 498
2018-10-01 $312,500 (5.9%) $354,209 (2.7%) 1.06 499
2018-11-01 $306,450 (3.9%) $346,966 (0.0%) 1.04 462
2018-12-01 $300,000 (1.7%) $333,814 (-5.0%) 1.03 377
2019-01-01 $299,900 (0.0%) $338,154 (-5.5%) 1.04 315
2019-02-01 $312,450 (2.4%) $360,747 (0.0%) 1.06 316
2019-03-01 $322,740 (1.5%) $374,282 (0.7%) 1.06 305
2019-04-01 $328,218 (-1.3%) $376,842 (-1.9%) 1.04 316
2019-05-01 $327,175 (-0.7%) $386,288 (0.4%) 1.02 362
2019-06-01 $333,700 (1.5%) $379,663 (-0.7%) 1.04 386
2019-07-01 $335,000 (4.4%) $382,724 (4.3%) 1.05 419
2019-08-01 $330,545 (4.1%) $371,312 (3.3%) 1.05 423
2019-09-01 $329,113 (2.9%) $366,782 (2.9%) 1.05 420
2019-10-01 $331,634 (6.1%) $366,883 (3.6%) 1.07 397
2019-11-01 $339,000 (10.6%) $379,836 (9.5%) 1.11 384
2019-12-01 $329,950 (10.0%) $393,866 (18.0%) 1.10 316
2020-01-01 $333,250 (11.1%) $381,398 (12.8%) 1.11 284
2020-02-01 $349,999 (12.0%) $395,475 (9.6%) 1.15 287
2020-03-01 $359,975 (11.5%) $416,798 (11.4%) 1.13 300
2020-04-01 $360,000 (9.7%) $418,794 (11.1%) 1.13 299
2020-05-01 $389,475 (19.0%) $445,558 (15.3%) 1.18 250
2020-06-01 $386,900 (15.9%) $439,568 (15.8%) 1.14 219
2020-07-01 $386,475 (15.4%) $445,305 (16.4%) 1.12 200
2020-08-01 $375,000 (13.5%) $441,066 (18.8%) 1.07 190
2020-09-01 $392,500 (19.3%) $453,492 (23.6%) 1.12 170
2020-10-01 $385,000 (16.1%) $457,886 (24.8%) 1.10 189
2020-11-01 $402,500 (18.7%) $455,454 (19.9%) 1.18 157
2020-12-01 $404,425 (22.6%) $449,627 (14.2%) 1.20 135
2021-01-01 $399,900 (20.0%) $483,744 (26.8%) 1.19 99
2021-02-01 $402,475 (15.0%) $502,939 (27.2%) 1.17 115
2021-03-01 $408,500 (13.5%) $503,411 (20.8%) 1.16 116
2021-04-01 $405,000 (12.5%) $491,753 (17.4%) 1.10 140
2021-05-01 $419,900 (7.8%) $506,822 (13.8%) 1.12 138
2021-06-01 $432,500 (11.8%) $559,511 (27.3%) 1.14 182
2021-07-01 $429,900 (11.2%) $540,832 (21.5%) 1.13 212
2021-08-01 $417,475 (11.3%) $504,225 (14.3%) 1.11 204
2021-09-01 $422,500 (7.6%) $505,573 (11.5%) 1.13 222
2021-10-01 $429,995 (11.7%) $521,346 (13.9%) 1.15 226
2021-11-01 $440,450 (9.4%) $533,278 (17.1%) 1.18 223
2021-12-01 $443,000 (9.5%) $514,124 (14.3%) 1.20 166
2022-01-01 $452,500 (13.2%) $524,805 (8.5%) 1.22 148
2022-02-01 $474,950 (18.0%) $532,033 (5.8%) 1.24 150
2022-03-01 $477,000 (16.8%) $537,959 (6.9%) 1.19 178
2022-04-01 $475,000 (17.3%) $529,955 (7.8%) 1.13 212
2022-05-01 $492,890 (17.4%) $528,117 (4.2%) 1.13 272
2022-06-01 $480,117 (11.0%) $532,822 (-4.8%) 1.07 328
2022-07-01 $470,000 (9.3%) $524,666 (-3.0%) 1.06 373
2022-08-01 $459,900 (10.2%) $516,903 (2.5%) 1.06 432
2022-09-01 $455,000 (7.7%) $508,772 (0.6%) 1.06 422
2022-10-01 $451,500 (5.0%) $504,582 (-3.2%) 1.06 403
2022-11-01 $457,750 (3.9%) $514,050 (-3.6%) 1.10 376
2022-12-01 $452,900 (2.2%) $512,768 (-0.3%) 1.12 321
2023-01-01 $459,900 (1.6%) $511,818 (-2.5%) 1.14 279
2023-02-01 $459,725 (-3.2%) $508,514 (-4.4%) 1.11 279
2023-03-01 $472,475 (-1.0%) $523,697 (-2.7%) 1.11 262
2023-04-01 $475,000 (0.0%) $538,148 (1.6%) 1.10 209
2023-05-01 $469,875 (-4.7%) $538,921 (2.1%) 1.07 209
2023-06-01 $479,500 (-0.1%) $553,010 (3.8%) 1.08 216
2023-07-01 $479,000 (1.9%) $537,840 (2.5%) 1.09 225
2023-08-01 $469,225 (2.0%) $516,377 (-0.1%) 1.08 230
2023-09-01 $469,000 (3.1%) $510,580 (0.4%) 1.09 245
2023-10-01 $459,875 (1.9%) $507,553 (0.6%) 1.08 255
2023-11-01 $471,950 (3.1%) $497,881 (-3.2%) 1.12 259
2023-12-01 $459,999 (1.6%) $487,451 (-4.9%) 1.12 242
2024-01-01 $462,000 (0.5%) $478,860 (-6.4%) 1.13 220
2024-02-01 $465,444 (1.2%) $482,334 (-5.2%) 1.12 205
YUBA CITY's median listing price for 2024-02-01 was $465,444, a difference of $5,719 (1.2%) versus the prior year and $3,444 versus the prior month.

YUBA CITY's median listing price comes in at 112% of the national average.

YUBA CITY's average listing price for 2024-02-01 was $482,334, a difference of $-26,180 (-5.2%) versus the prior year and $3,474 versus the prior month.

For the 2024-02-01 period, YUBA CITY had 205 MLS listings, a difference of -15 listings (-7%) versus the prior month and -74 listings (-27%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - YUBA CITY (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 69 days 1,841 sqft
2018-02-01 61 days 1,847 sqft
2018-03-01 47 days 1,876 sqft
2018-04-01 43 days 1,885 sqft
2018-05-01 38 days 1,888 sqft
2018-06-01 41 days 1,853 sqft
2018-07-01 40 days 1,807 sqft
2018-08-01 43 days 1,786 sqft
2018-09-01 52 days 1,827 sqft
2018-10-01 55 days 1,784 sqft
2018-11-01 57 days 1,718 sqft
2018-12-01 66 days 1,712 sqft
2019-01-01 61 days 1,638 sqft
2019-02-01 52 days 1,676 sqft
2019-03-01 47 days 1,681 sqft
2019-04-01 43 days 1,688 sqft
2019-05-01 38 days 1,681 sqft
2019-06-01 44 days 1,728 sqft
2019-07-01 46 days 1,734 sqft
2019-08-01 50 days 1,743 sqft
2019-09-01 55 days 1,759 sqft
2019-10-01 58 days 1,791 sqft
2019-11-01 58 days 1,867 sqft
2019-12-01 72 days 1,826 sqft
2020-01-01 73 days 1,853 sqft
2020-02-01 47 days 1,865 sqft
2020-03-01 45 days 1,895 sqft
2020-04-01 52 days 1,865 sqft
2020-05-01 71 days 2,033 sqft
2020-06-01 75 days 2,006 sqft
2020-07-01 73 days 1,933 sqft
2020-08-01 48 days 1,906 sqft
2020-09-01 44 days 1,990 sqft
2020-10-01 44 days 1,865 sqft
2020-11-01 51 days 1,862 sqft
2020-12-01 63 days 1,840 sqft
2021-01-01 54 days 1,812 sqft
2021-02-01 27 days 1,828 sqft
2021-03-01 33 days 1,805 sqft
2021-04-01 26 days 1,861 sqft
2021-05-01 29 days 1,850 sqft
2021-06-01 25 days 1,788 sqft
2021-07-01 27 days 1,750 sqft
2021-08-01 38 days 1,656 sqft
2021-09-01 37 days 1,661 sqft
2021-10-01 38 days 1,716 sqft
2021-11-01 42 days 1,754 sqft
2021-12-01 51 days 1,759 sqft
2022-01-01 49 days 1,791 sqft
2022-02-01 32 days 1,760 sqft
2022-03-01 25 days 1,806 sqft
2022-04-01 26 days 1,754 sqft
2022-05-01 29 days 1,846 sqft
2022-06-01 32 days 1,834 sqft
2022-07-01 40 days 1,790 sqft
2022-08-01 47 days 1,784 sqft
2022-09-01 48 days 1,794 sqft
2022-10-01 54 days 1,818 sqft
2022-11-01 62 days 1,802 sqft
2022-12-01 69 days 1,756 sqft
2023-01-01 74 days 1,801 sqft
2023-02-01 54 days 1,789 sqft
2023-03-01 53 days 1,853 sqft
2023-04-01 50 days 1,866 sqft
2023-05-01 38 days 1,870 sqft
2023-06-01 39 days 1,947 sqft
2023-07-01 46 days 1,924 sqft
2023-08-01 45 days 1,905 sqft
2023-09-01 40 days 1,900 sqft
2023-10-01 47 days 1,878 sqft
2023-11-01 52 days 1,867 sqft
2023-12-01 52 days 1,810 sqft
2024-01-01 58 days 1,784 sqft
2024-02-01 58 days 1,787 sqft
YUBA CITY's median listing age (time on market) for 2024-02-01 was 58 days. This is 6% longer than the same period one year ago.

YUBA CITY's median square footage for active listings during the 2024-02-01 period was 1,787 sqft. One year prior, the average listing was 1,789 sqft.

YUBA CITY, 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
95626 Yuba City, CA MSA $1,450 $1,590 $2,000 $2,840 $3,310
95645 Yuba City, CA MSA $1,100 $1,160 $1,520 $2,120 $2,560
95659 Yuba City, CA MSA $1,050 $1,060 $1,350 $1,920 $2,300
95668 Yuba City, CA MSA $1,440 $1,470 $1,870 $2,660 $3,170
95674 Yuba City, CA MSA $970 $980 $1,250 $1,780 $2,130
95676 Yuba City, CA MSA $1,020 $1,030 $1,310 $1,860 $2,230
95692 Yuba City, CA MSA $1,320 $1,330 $1,690 $2,400 $2,880
95836 Yuba City, CA MSA $1,140 $1,200 $1,520 $2,150 $2,540
95837 Yuba City, CA MSA $1,250 $1,310 $1,670 $2,360 $2,800
95901 Yuba City, CA MSA $1,000 $1,000 $1,280 $1,820 $2,180
95903 Yuba City, CA MSA $1,500 $1,510 $1,930 $2,740 $3,290
95914 Yuba City, CA MSA $850 $880 $1,130 $1,610 $1,930
95918 Yuba City, CA MSA $1,110 $1,120 $1,430 $2,030 $2,440
95919 Yuba City, CA MSA $980 $990 $1,260 $1,790 $2,150
95922 Yuba City, CA MSA $880 $890 $1,130 $1,610 $1,920
95925 Yuba City, CA MSA $980 $990 $1,260 $1,790 $2,150
95930 Yuba City, CA MSA $890 $940 $1,240 $1,760 $2,110
95935 Yuba City, CA MSA $980 $990 $1,260 $1,790 $2,150
95941 Yuba City, CA MSA $900 $940 $1,240 $1,760 $2,110
95948 Yuba City, CA MSA $830 $840 $1,090 $1,550 $1,860
95953 Yuba City, CA MSA $1,000 $1,000 $1,280 $1,820 $2,180
95957 Yuba City, CA MSA $830 $840 $1,070 $1,520 $1,820
95960 Yuba City, CA MSA $1,130 $1,140 $1,440 $2,040 $2,450
95961 Yuba City, CA MSA $970 $980 $1,250 $1,780 $2,130
95962 Yuba City, CA MSA $980 $990 $1,260 $1,790 $2,150
95966 Yuba City, CA MSA $840 $890 $1,170 $1,660 $1,990
95972 Yuba City, CA MSA $980 $990 $1,260 $1,790 $2,150
95977 Yuba City, CA MSA $1,320 $1,330 $1,700 $2,420 $2,900
95981 Yuba City, CA MSA $880 $890 $1,130 $1,610 $1,920
95982 Yuba City, CA MSA $1,110 $1,110 $1,420 $2,020 $2,420
95991 Yuba City, CA MSA $990 $1,000 $1,270 $1,800 $2,160
95992 Yuba City, CA MSA $1,020 $1,030 $1,310 $1,860 $2,230
95993 Yuba City, CA MSA $1,150 $1,150 $1,470 $2,090 $2,500

2022 Average & Median Rent Data Statistics
YUBA CITY, CA average 1BR rent: $1,078, median: $1,000
YUBA CITY, CA average 2BR rent: $1,378, median: $1,280
YUBA CITY, CA average 3BR rent: $1,956, median: $1,820

YUBA CITY, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,671 $613,565,000 $367,184
Cash Out Refi 326 $94,250,000 $289,110
Home Improvement 190 $15,310,000 $80,579
Other 184 $19,780,000 $107,500
Refi 154 $34,560,000 $224,416
NA 1 $505,000 $505,000

Yuba City's most frequently cited loan purpose was Home Purchase, with 1,671 originations. The 2nd most popular reason was Cash Out Refi, with 326 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 919 $347,495,000 $378,123
5-6% 530 $198,570,000 $374,660
7-8% 477 $134,955,000 $282,925
Over 8% 419 $55,065,000 $131,420
4-5% 84 $33,890,000 $403,452
<2.5% 80 $2,390,000 $29,875
3-4% 7 $1,875,000 $267,857
2.5-3% 5 $2,125,000 $425,000

During 2023, Yuba City's most frequently originated rate bucket was 6-7%, with 919 originations.

Loan Sizing (YUBA CITY, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 950 $302,770,000 $318,705
$400k-600k 716 $331,520,000 $463,017
$100,000 or less 482 $25,070,000 $52,012
$100k-200k 313 $44,405,000 $141,869
$600k-1000k 53 $36,145,000 $681,981
$Over $1MM 12 $38,060,000 $3,171,667

YUBA CITY's loan sizing saw the bucket of loans from $200k-400k with 950 originations, totaling $302,770,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,196 $477,370,000 $399,139
Under 20% 448 $24,170,000 $53,951
60-80% 391 $145,685,000 $372,596
20-40% 241 $33,095,000 $137,324
40-60% 171 $64,655,000 $378,099
Over 100% 65 $29,075,000 $447,308

YUBA CITY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,196 originations, totaling $477,370,000 in origination value.