Crescent City Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Crescent City averaged
6.9%
for the week of 2023-03-16, compared to the national average of
6.6% for the same period.
The average rate for the prior week (2023-03-09) was
6.83% and
one month ago for the week of 2023-02-09, the
average rate was 6.12%.
Crescent City's average rate one year ago was 3.85%.
For refis of the same type during the week of 2023-03-16, the average rate
was 6.52%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-03-16 | 6.6% |
| Crescent City 30 Year Fixed Rate | 2023-03-16 | 6.9% |
| Crescent City 30 Year Fixed Rate Refi | 2023-03-16 | 6.52% |
| Crescent City 15 Year Fixed Rate | 2023-03-16 | 5.99% |
| Crescent City 15 Year Fixed Rate Refi | 2023-03-16 | 5.81% |
| Crescent City 30 Year FHA | 2023-03-16 | 6.68% |
| Crescent City 30 Year FHA Refi | 2023-03-16 | 6.53% |
| Crescent City 30 Year USDA | 2023-03-16 | 6.71% |
| Crescent City 30 Year USDA Refi | 2023-03-16 | 6.87% |
| Crescent City 30 Year VA | 2023-03-16 | 6.51% |
| Crescent City 30 Year VA Refi | 2023-03-16 | 6.25% |
Crescent 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 Crescent 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.).
Crescent City Average Closing Costs & Other Stats
Crescent City, CA's 89 lenders originated 888
loans during 2021. The total origination value was $243,020,000, with an average loan value of
$273,671.
Crescent City's average closing costs are $5,771.
The top Crescent City lender as defined by loan originations is QUICKEN LOANS, LLC, with
65 loans originated. Their average total fees are
$4,872, which is $1,994
lower than the next largest lender,
SUMMIT FUNDING, INC..
The lowest fee Crescent City lenders (with over 10 loans originated) are
Tri Counties Bank ($3,393), HOME POINT FINANCIAL CORPORATION ($3,878), U.S. Bank ($4,545), LOANDEPOT.COM, LLC ($4,614) and QUICKEN LOANS, LLC ($4,872).
The lowest rate Crescent City lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (2.91%), LOANDEPOT.COM, LLC (3.01%), QUICKEN LOANS, LLC (3.05%), HOME POINT FINANCIAL CORPORATION (3.19%) and SUMMIT FUNDING, INC. (3.22%).
Crescent 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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| SUMMIT FUNDING, INC. | $23,680,000 | $29,480,000 | 24.5% | 12.1% |
| Tri Counties Bank | $5,760,000 | $29,060,000 | 404.5% | 12.0% |
| QUICKEN LOANS, LLC | $27,765,000 | $27,845,000 | 0.3% | 11.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $9,295,000 | $16,085,000 | 73.1% | 6.6% |
| HOME POINT FINANCIAL CORPORATION | $11,040,000 | $14,395,000 | 30.4% | 5.9% |
| LOANDEPOT.COM, LLC | $5,485,000 | $8,535,000 | 55.6% | 3.5% |
| Sierra Pacific Mortgage Company, Inc. | $7,985,000 | $7,965,000 | -0.3% | 3.3% |
| FREEDOM MORTGAGE CORPORATION | $5,630,000 | $5,480,000 | -2.7% | 2.3% |
| Umpqua Bank | $2,690,000 | $4,810,000 | 78.8% | 2.0% |
| U.S. Bank | $1,785,000 | $4,685,000 | 162.5% | 1.9% |
| LAKEVIEW LOAN SERVICING, LLC | $685,000 | $4,565,000 | 566.4% | 1.9% |
| PENNYMAC LOAN SERVICES, LLC | $2,175,000 | $3,510,000 | 61.4% | 1.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,955,000 | $3,405,000 | 15.2% | 1.4% |
| Mortgage Research Center, LLC | $3,525,000 | $3,170,000 | -10.1% | 1.3% |
| CALIBER HOME LOANS, INC. | $1,910,000 | $3,115,000 | 63.1% | 1.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,680,000 | $2,890,000 | 72.0% | 1.2% |
| Equity Prime Mortgage LLC | $1,050,000 | $2,845,000 | 171.0% | 1.2% |
| Wells Fargo Bank | $2,480,000 | $2,410,000 | -2.8% | 1.0% |
| ROGUE | $4,000,000 | $2,190,000 | -45.3% | 0.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $2,460,000 | $2,105,000 | -14.4% | 0.9% |
| AMERISAVE MORTGAGE CORPORATION | $685,000 | $1,925,000 | 181.0% | 0.8% |
| FINANCE OF AMERICA MORTGAGE LLC | $1,115,000 | $1,855,000 | 66.4% | 0.8% |
| BETTER MORTGAGE CORPORATION | $1,735,000 | $1,795,000 | 3.5% | 0.7% |
| CMG MORTGAGE, INC. | $550,000 | $1,690,000 | 207.3% | 0.7% |
| USAA Federal Savings Bank | $1,730,000 | $1,685,000 | -2.6% | 0.7% |
| GUILD MORTGAGE COMPANY | $1,300,000 | $1,595,000 | 22.7% | 0.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $675,000 | $1,540,000 | 128.1% | 0.6% |
| JPMorgan Chase Bank | $2,020,000 | $1,520,000 | -24.8% | 0.6% |
| SUMMIT MORTGAGE CORPORATION | $540,000 | $1,505,000 | 178.7% | 0.6% |
| Paramount Residential Mortgage Group, Inc. | $840,000 | $1,495,000 | 78.0% | 0.6% |
| RESIDENTIAL BANCORP. | $1,485,000 | n/a | 0.6% | |
| BROKER SOLUTIONS, INC. | $660,000 | $1,365,000 | 106.8% | 0.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $185,000 | $1,365,000 | 637.8% | 0.6% |
| Bank of America | $735,000 | $1,360,000 | 85.0% | 0.6% |
| PLAZA HOME MORTGAGE, INC. | $605,000 | $1,360,000 | 124.8% | 0.6% |
| AMERICAN FINANCIAL NETWORK, INC. | $630,000 | $1,320,000 | 109.5% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $670,000 | $1,220,000 | 82.1% | 0.5% |
| Nations Lending Corporation | $450,000 | $1,155,000 | 156.7% | 0.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | $910,000 | $1,125,000 | 23.6% | 0.5% |
| Flagstar Bank, FSB | $775,000 | $1,040,000 | 34.2% | 0.4% |
| ZILLOW HOME LOANS, LLC | $720,000 | $1,020,000 | 41.7% | 0.4% |
| Carrington Mortgage Services, LLC | $740,000 | $975,000 | 31.8% | 0.4% |
| The Federal Savings Bank | $1,130,000 | $915,000 | -19.0% | 0.4% |
| MOVEMENT MORTGAGE, LLC | $870,000 | n/a | 0.4% | |
| SUN WEST MORTGAGE COMPANY, INC. | $445,000 | $810,000 | 82.0% | 0.3% |
| RANLIFE, INC. | $235,000 | $805,000 | 242.6% | 0.3% |
| THE GOLDEN 1 | $195,000 | $805,000 | 312.8% | 0.3% |
| Strong Home Mortgage, LLC | $785,000 | n/a | 0.3% | |
| NEWREZ LLC | $660,000 | $780,000 | 18.2% | 0.3% |
| CLEARPATH LENDING | $1,505,000 | $745,000 | -50.5% | 0.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | $1,220,000 | $735,000 | -39.8% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $675,000 | $690,000 | 2.2% | 0.3% |
| Plains Commerce Bank | $665,000 | n/a | 0.3% | |
| STEARNS LENDING, LLC | $350,000 | $635,000 | 81.4% | 0.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $630,000 | $630,000 | 0.0% | 0.3% |
| SOVEREIGN LENDING GROUP INCORPORATED | $285,000 | $630,000 | 121.1% | 0.3% |
| Morgan Stanley Private Bank | $615,000 | n/a | 0.3% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $610,000 | n/a | 0.3% | |
| Ally Bank | $605,000 | n/a | 0.2% | |
| The Northern Trust Company | $585,000 | n/a | 0.2% | |
| NATIONS DIRECT MORTGAGE, LLC | $685,000 | $565,000 | -17.5% | 0.2% |
| Citadel Servicing Corporation | $555,000 | n/a | 0.2% | |
| Quontic Bank | $535,000 | n/a | 0.2% | |
| InterContinental Capital Group, Inc | $685,000 | $530,000 | -22.6% | 0.2% |
| NEW DAY FINANCIAL, LLC | $255,000 | $520,000 | 103.9% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $390,000 | $460,000 | 17.9% | 0.2% |
| CHERRY CREEK MORTGAGE, LLC | $395,000 | $445,000 | 12.7% | 0.2% |
| EMBRACE HOME LOANS, INC. | $420,000 | n/a | 0.2% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $315,000 | $415,000 | 31.7% | 0.2% |
| FIRST NATIONS HOME FINANCE CORPORATION | $405,000 | n/a | 0.2% | |
| HOMESIDE FINANCIAL, LLC | $405,000 | n/a | 0.2% | |
| NEW WAVE LENDING GROUP INC | $405,000 | n/a | 0.2% | |
| SAN FRANCISCO FIRE CREDIT UNION | $315,000 | $405,000 | 28.6% | 0.2% |
| V.I.P. MORTGAGE, INC. | $405,000 | n/a | 0.2% | |
| LOANPAL, LLC | $135,000 | $400,000 | 196.3% | 0.2% |
| Low VA Rates, LLC | $400,000 | n/a | 0.2% | |
| San Mateo Credit Union | $185,000 | $400,000 | 116.2% | 0.2% |
| Boeing Employees Credit Union | $395,000 | n/a | 0.2% | |
| Provident Credit Union | $365,000 | n/a | 0.2% | |
| NMSI, INC. | $345,000 | n/a | 0.1% | |
| COUNTRYPLACE MORTGAGE, LTD. | $335,000 | $335,000 | 0.0% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $745,000 | $330,000 | -55.7% | 0.1% |
| PARTNERS UNITED FINANCIAL, LLC | $325,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $1,135,000 | $320,000 | -71.8% | 0.1% |
| AMERICAN FINANCING CORPORATION | $255,000 | $310,000 | 21.6% | 0.1% |
| CELEBRITY HOME LOANS, LLC | $305,000 | n/a | 0.1% | |
| THE FIRST FINANCIAL Federal Credit Union | $305,000 | n/a | 0.1% | |
| Arvest Bank | $295,000 | n/a | 0.1% | |
| BECKAM FUNDING CORP. | $295,000 | n/a | 0.1% | |
| CORNERSTONE HOME LENDING, INC. | $295,000 | n/a | 0.1% | |
| GUARANTEED RATE, INC. | $1,020,000 | $295,000 | -71.1% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $965,000 | $295,000 | -69.4% | 0.1% |
| MORIA DEVELOPMENT, INC. | $295,000 | n/a | 0.1% | |
| Willamette Valley Bank | $295,000 | n/a | 0.1% | |
| Chickasaw Community Bank | $580,000 | $285,000 | -50.9% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $285,000 | n/a | 0.1% | |
| MEMBERS 1ST CREDIT UNION | $275,000 | n/a | 0.1% | |
| KINECTA | $265,000 | n/a | 0.1% | |
| NORWICH COMMERCIAL GROUP, INC. | $265,000 | n/a | 0.1% | |
| NP, Inc. | $265,000 | n/a | 0.1% | |
| LIBERTY HOME MORTGAGE CORPORATION | $255,000 | n/a | 0.1% | |
| WESTERN EXPRESS LENDING | $255,000 | n/a | 0.1% | |
| FIRST U.S. COMMUNITY CREDIT UNION | $245,000 | n/a | 0.1% | |
| Golden Empire Mortgage, Inc. | $230,000 | $235,000 | 2.2% | 0.1% |
| PHH Mortgage Corporation | $230,000 | n/a | 0.1% | |
| AMERICAN ADVISORS GROUP | $310,000 | $215,000 | -30.6% | 0.1% |
| First Guaranty Mortgage Corporation | $215,000 | n/a | 0.1% | |
| FIRST TECHNOLOGY | $215,000 | n/a | 0.1% | |
| Franklin Loan Corporation | $245,000 | $215,000 | -12.2% | 0.1% |
| MICHIGAN MUTUAL, INC. | $215,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $205,000 | n/a | 0.1% | |
| LADERA LENDING, INC. | $205,000 | n/a | 0.1% | |
| MUFG Union Bank | $205,000 | n/a | 0.1% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $205,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $195,000 | n/a | 0.1% | |
| BM Real Estate Services, Inc. | $175,000 | n/a | 0.1% | |
| HighTechLending Inc | $175,000 | n/a | 0.1% | |
| First Northern Bank of Dixon | $165,000 | n/a | 0.1% | |
| MORTGAGE 2000, INC. | $165,000 | n/a | 0.1% | |
| REDWOOD | $810,000 | $155,000 | -80.9% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $155,000 | n/a | 0.1% | |
| NBKC BANK | $465,000 | $145,000 | -68.8% | 0.1% |
| Firefighters First Federal Credit Union | $135,000 | n/a | 0.1% | |
| S1L, Inc. | $135,000 | n/a | 0.1% | |
| NETWORK CAPITAL FUNDING CORPORATION | $125,000 | n/a | 0.1% | |
| PARTNERS | $125,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $115,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $295,000 | $105,000 | -64.4% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $95,000 | n/a | 0.0% | |
| WESCOM CENTRAL CREDIT UNION | $55,000 | $85,000 | 54.5% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $55,000 | $35,000 | -36.4% | 0.0% |
Crescent City's top lender by overall market share is SUMMIT FUNDING, INC., with 12.1% market share. In second place, with 12.0%, is Tri Counties Bank, having originated $29,060,000 in loans. In third place, with 11.5%, is QUICKEN LOANS, LLC, having originated $27,845,000 in loans. In fourth place, with 6.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $16,085,000 in loans. In fifth place, with 5.9%, is HOME POINT FINANCIAL CORPORATION, having originated $14,395,000 in loans.
Crescent City Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Crescent 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 | $289,000 (6.1%) | $325,733 (-5.3%) | 0.00 | 116 |
| 2018-02-01 | $287,375 (3.0%) | $329,301 (-4.0%) | 0.00 | 102 |
| 2018-03-01 | $299,500 (8.9%) | $338,333 (1.7%) | 0.00 | 101 |
| 2018-04-01 | $297,000 (9.0%) | $330,799 (-2.4%) | 0.00 | 107 |
| 2018-05-01 | $317,125 (13.7%) | $360,822 (5.7%) | 0.00 | 125 |
| 2018-06-01 | $315,000 (6.4%) | $385,132 (8.1%) | 0.00 | 109 |
| 2018-07-01 | $299,000 (-8.8%) | $380,856 (2.6%) | 0.00 | 114 |
| 2018-08-01 | $285,000 (-11.6%) | $365,400 (3.4%) | 0.00 | 109 |
| 2018-09-01 | $315,000 (7.9%) | $378,960 (10.6%) | 0.00 | 104 |
| 2018-10-01 | $298,500 (3.3%) | $379,939 (10.9%) | 0.00 | 99 |
| 2018-11-01 | $304,750 (7.0%) | $390,729 (18.5%) | 0.00 | 95 |
| 2018-12-01 | $347,000 (21.4%) | $416,465 (30.6%) | 0.00 | 93 |
| 2019-01-01 | $355,000 (22.8%) | $417,285 (28.1%) | 0.00 | 101 |
| 2019-02-01 | $355,000 (23.5%) | $438,539 (33.2%) | 0.00 | 107 |
| 2019-03-01 | $366,429 (22.4%) | $464,580 (37.3%) | 0.00 | 100 |
| 2019-04-01 | $379,000 (27.6%) | $482,761 (45.9%) | 0.00 | 93 |
| 2019-05-01 | $370,500 (16.8%) | $471,644 (30.7%) | 0.00 | 100 |
| 2019-06-01 | $361,500 (14.8%) | $471,379 (22.4%) | 0.00 | 102 |
| 2019-07-01 | $370,750 (24.0%) | $488,325 (28.2%) | 0.00 | 115 |
| 2019-08-01 | $360,623 (26.5%) | $475,142 (30.0%) | 0.00 | 126 |
| 2019-09-01 | $351,807 (11.7%) | $462,072 (21.9%) | 0.00 | 135 |
| 2019-10-01 | $345,930 (15.9%) | $448,265 (18.0%) | 0.00 | 142 |
| 2019-11-01 | $350,000 (14.9%) | $447,067 (14.4%) | 0.00 | 122 |
| 2019-12-01 | $382,750 (10.3%) | $457,687 (9.9%) | 0.00 | 123 |
| 2020-01-01 | $389,000 (9.6%) | $487,007 (16.7%) | 0.00 | 106 |
| 2020-02-01 | $385,000 (8.5%) | $495,862 (13.1%) | 0.00 | 104 |
| 2020-03-01 | $378,375 (3.3%) | $467,517 (0.6%) | 0.00 | 119 |
| 2020-04-01 | $382,500 (0.9%) | $474,606 (-1.7%) | 0.00 | 112 |
| 2020-05-01 | $389,000 (5.0%) | $480,161 (1.8%) | 0.00 | 108 |
| 2020-06-01 | $393,725 (8.9%) | $507,767 (7.7%) | 0.00 | 103 |
| 2020-07-01 | $375,000 (1.2%) | $454,645 (-6.9%) | 0.00 | 142 |
| 2020-08-01 | $375,000 (4.0%) | $453,988 (-4.5%) | 0.00 | 145 |
| 2020-09-01 | $381,663 (8.5%) | $450,057 (-2.6%) | 0.00 | 129 |
| 2020-10-01 | $391,500 (13.2%) | $472,032 (5.3%) | 0.00 | 110 |
| 2020-11-01 | $389,000 (11.1%) | $579,775 (29.7%) | 0.00 | 110 |
| 2020-12-01 | $389,000 (1.6%) | $603,147 (31.8%) | 0.00 | 97 |
| 2021-01-01 | $387,413 (-0.4%) | $614,168 (26.1%) | 0.00 | 75 |
| 2021-02-01 | $361,250 (-6.2%) | $638,472 (28.8%) | 0.00 | 74 |
| 2021-03-01 | $367,250 (-2.9%) | $640,719 (37.1%) | 0.00 | 73 |
| 2021-04-01 | $375,000 (-2.0%) | $639,485 (34.7%) | 0.00 | 71 |
| 2021-05-01 | $395,900 (1.8%) | $502,365 (4.6%) | 0.00 | 68 |
| 2021-06-01 | $399,250 (1.4%) | $519,927 (2.4%) | 0.00 | 84 |
| 2021-07-01 | $399,000 (6.4%) | $529,480 (16.5%) | 0.00 | 86 |
| 2021-08-01 | $425,000 (13.3%) | $521,460 (14.9%) | 0.00 | 104 |
| 2021-09-01 | $403,175 (5.6%) | $513,910 (14.2%) | 0.00 | 102 |
| 2021-10-01 | $395,450 (1.0%) | $515,403 (9.2%) | 0.00 | 100 |
| 2021-11-01 | $399,000 (2.6%) | $510,674 (-11.9%) | 0.00 | 86 |
| 2021-12-01 | $411,500 (5.8%) | $536,651 (-11.0%) | 0.00 | 74 |
| 2022-01-01 | $411,500 (6.2%) | $509,179 (-17.1%) | 0.00 | 70 |
| 2022-02-01 | $420,000 (16.3%) | $535,067 (-16.2%) | 0.00 | 69 |
| 2022-03-01 | $411,250 (12.0%) | $511,586 (-20.2%) | 0.00 | 77 |
| 2022-04-01 | $410,000 (9.3%) | $502,143 (-21.5%) | 0.00 | 77 |
| 2022-05-01 | $449,750 (13.6%) | $522,386 (4.0%) | 0.00 | 79 |
| 2022-06-01 | $454,500 (13.8%) | $534,914 (2.9%) | 0.00 | 87 |
| 2022-07-01 | $449,500 (12.7%) | $536,266 (1.3%) | 0.00 | 97 |
| 2022-08-01 | $456,950 (7.5%) | $553,172 (6.1%) | 0.00 | 86 |
| 2022-09-01 | $449,225 (11.4%) | $546,743 (6.4%) | 0.00 | 73 |
| 2022-10-01 | $437,000 (10.5%) | $552,114 (7.1%) | 0.00 | 70 |
| 2022-11-01 | $401,450 (0.6%) | $523,568 (2.5%) | 0.00 | 65 |
| 2022-12-01 | $427,500 (3.9%) | $540,027 (0.6%) | 0.00 | 63 |
| 2023-01-01 | $416,475 (1.2%) | $542,889 (6.6%) | 0.00 | 68 |
| 2023-02-01 | $423,250 (0.8%) | $541,974 (1.3%) | 0.00 | 67 |
Crescent City's median listing price comes in at 0% of the national average.
Crescent City's average listing price for 2023-02-01 was $541,974, a difference of $6,907 (1.3%) versus the prior year and $-915 versus the prior month.
For the 2023-02-01 period, Crescent City had 67 MLS listings, a difference of -1 listings (-1%) versus the prior month and -2 listings (-3%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Crescent City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,733 sqft |
| 2018-02-01 | 0 days | 1,756 sqft |
| 2018-03-01 | 0 days | 1,844 sqft |
| 2018-04-01 | 0 days | 1,842 sqft |
| 2018-05-01 | 0 days | 1,849 sqft |
| 2018-06-01 | 0 days | 1,878 sqft |
| 2018-07-01 | 0 days | 1,801 sqft |
| 2018-08-01 | 0 days | 1,715 sqft |
| 2018-09-01 | 0 days | 1,698 sqft |
| 2018-10-01 | 0 days | 1,560 sqft |
| 2018-11-01 | 0 days | 1,560 sqft |
| 2018-12-01 | 0 days | 1,580 sqft |
| 2019-01-01 | 0 days | 1,615 sqft |
| 2019-02-01 | 0 days | 1,686 sqft |
| 2019-03-01 | 0 days | 1,826 sqft |
| 2019-04-01 | 0 days | 1,902 sqft |
| 2019-05-01 | 0 days | 1,837 sqft |
| 2019-06-01 | 0 days | 1,822 sqft |
| 2019-07-01 | 0 days | 1,846 sqft |
| 2019-08-01 | 0 days | 1,849 sqft |
| 2019-09-01 | 0 days | 1,820 sqft |
| 2019-10-01 | 0 days | 1,806 sqft |
| 2019-11-01 | 0 days | 1,844 sqft |
| 2019-12-01 | 0 days | 1,854 sqft |
| 2020-01-01 | 0 days | 1,863 sqft |
| 2020-02-01 | 0 days | 1,894 sqft |
| 2020-03-01 | 0 days | 1,874 sqft |
| 2020-04-01 | 0 days | 1,885 sqft |
| 2020-05-01 | 0 days | 1,844 sqft |
| 2020-06-01 | 0 days | 1,901 sqft |
| 2020-07-01 | 0 days | 1,844 sqft |
| 2020-08-01 | 0 days | 1,844 sqft |
| 2020-09-01 | 0 days | 1,849 sqft |
| 2020-10-01 | 0 days | 1,869 sqft |
| 2020-11-01 | 0 days | 1,880 sqft |
| 2020-12-01 | 0 days | 1,866 sqft |
| 2021-01-01 | 0 days | 1,844 sqft |
| 2021-02-01 | 0 days | 1,702 sqft |
| 2021-03-01 | 0 days | 1,707 sqft |
| 2021-04-01 | 0 days | 1,691 sqft |
| 2021-05-01 | 0 days | 1,699 sqft |
| 2021-06-01 | 0 days | 1,725 sqft |
| 2021-07-01 | 0 days | 1,699 sqft |
| 2021-08-01 | 0 days | 1,700 sqft |
| 2021-09-01 | 0 days | 1,653 sqft |
| 2021-10-01 | 0 days | 1,631 sqft |
| 2021-11-01 | 0 days | 1,715 sqft |
| 2021-12-01 | 0 days | 1,733 sqft |
| 2022-01-01 | 0 days | 1,752 sqft |
| 2022-02-01 | 0 days | 1,727 sqft |
| 2022-03-01 | 0 days | 1,715 sqft |
| 2022-04-01 | 0 days | 1,702 sqft |
| 2022-05-01 | 0 days | 1,840 sqft |
| 2022-06-01 | 0 days | 1,844 sqft |
| 2022-07-01 | 0 days | 1,785 sqft |
| 2022-08-01 | 0 days | 1,740 sqft |
| 2022-09-01 | 0 days | 1,732 sqft |
| 2022-10-01 | 0 days | 1,828 sqft |
| 2022-11-01 | 0 days | 1,711 sqft |
| 2022-12-01 | 0 days | 1,782 sqft |
| 2023-01-01 | 0 days | 1,805 sqft |
| 2023-02-01 | 0 days | 1,822 sqft |
Crescent City's median square footage for active listings during the 2023-02-01 period was 1,822 sqft. One year prior, the average listing was 1,727 sqft.
Crescent City, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 328 | $93,920,000 | $286,341 |
| Home Purchase | 294 | $87,830,000 | $298,741 |
| Cash Out Refi | 235 | $57,525,000 | $244,787 |
| Home Improvement | 22 | $2,760,000 | $125,455 |
| Other | 9 | $985,000 | $109,444 |
Crescent City's most frequently cited loan purpose was Refi, with 328 originations. The 2nd most popular reason was Home Purchase, with 294 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 386 | $98,190,000 | $254,378 |
| 3-4% | 284 | $72,840,000 | $256,479 |
| <2.5% | 169 | $41,435,000 | $245,178 |
| 4-5% | 38 | $28,570,000 | $751,842 |
| 5-6% | 3 | $185,000 | $61,667 |
| 6-7% | 1 | $535,000 | $535,000 |
| 7-8% | 1 | $115,000 | $115,000 |
| Over 8% | 1 | $155,000 | $155,000 |
During 2021, Crescent City's most frequently originated rate bucket was 2.5-3%, with 386 originations.
Loan Sizing (Crescent City, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 489 | $135,125,000 | $276,329 |
| $100k-200k | 249 | $39,285,000 | $157,771 |
| $400k-600k | 83 | $38,395,000 | $462,590 |
| $100,000 or less | 59 | $3,785,000 | $64,153 |
| $600k-1000k | 7 | $4,985,000 | $712,143 |
| $Over $1MM | 1 | $21,445,000 | $21,445,000 |
Crescent City's loan sizing saw the bucket of loans from $200k-400k with 489 originations, totaling $135,125,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 295 | $101,035,000 | $342,492 |
| 80-100% | 266 | $79,450,000 | $298,684 |
| 40-60% | 177 | $37,995,000 | $214,661 |
| 20-40% | 75 | $10,515,000 | $140,200 |
| Under 20% | 27 | $1,225,000 | $45,370 |
| Over 100% | 9 | $3,695,000 | $410,556 |
Crescent City's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 295 originations, totaling $101,035,000 in origination value.