Crescent City Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Crescent City averaged
6.8%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.93% and
one month ago for the week of 2025-05-15, the
average rate was 7%.
Crescent City's average rate one year ago was 6.94%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.11%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Crescent City 30 Year Fixed Rate | 2025-06-18 | 6.8% |
| Crescent City 30 Year Fixed Rate Refi | 2025-06-18 | 7.11% |
| Crescent City 15 Year Fixed Rate | 2025-06-18 | 5.96% |
| Crescent City 15 Year Fixed Rate Refi | 2025-06-18 | 6.16% |
| Crescent City 30 Year FHA | 2025-06-18 | -0.2% |
| Crescent City 30 Year FHA Refi | 2025-06-18 | -0.2% |
| Crescent City 30 Year USDA | 2025-06-18 | 0.2% |
| Crescent City 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Crescent City 30 Year VA | 2025-06-18 | 0.1% |
| Crescent City 30 Year VA Refi | 2025-06-18 | 0.1% |
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 37 lenders originated 327
loans during 2024. The total origination value was $92,835,000, with an average loan value of
$283,899.
Crescent City's average closing costs are $6,612.
The top Crescent City lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
21 loans originated. Their average total fees are
$6,583, which is $346
higher than the next largest lender,
The Loan Store, Inc..
The lowest fee Crescent City lenders (with over 10 loans originated) are
The Loan Store, Inc. ($6,238), UNITED WHOLESALE MORTGAGE, LLC ($6,583), QUICKEN LOANS, LLC ($7,766), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($9,754) and .
The lowest rate Crescent City lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.65%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.81%), UNITED WHOLESALE MORTGAGE, LLC (6.91%), The Loan Store, Inc. (7.01%) and .
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Citibank | $3,505,000 | $14,405,000 | 311.0% | 15.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $12,755,000 | $13,405,000 | 5.1% | 14.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $855,000 | $7,940,000 | 828.7% | 8.6% |
| The Loan Store, Inc. | $325,000 | $7,245,000 | 2,129.2% | 7.8% |
| QUICKEN LOANS, LLC | $4,870,000 | $5,940,000 | 22.0% | 6.4% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $3,205,000 | $3,155,000 | -1.6% | 3.4% |
| ROGUE | $375,000 | $2,315,000 | 517.3% | 2.5% |
| Tri Counties Bank | $3,410,000 | $1,910,000 | -44.0% | 2.1% |
| Century Mortgage Company DBA Century Lending Company | $2,560,000 | $1,700,000 | -33.6% | 1.8% |
| U.S. Bank | $2,075,000 | $1,690,000 | -18.6% | 1.8% |
| Mortgage Research Center, LLC | $1,290,000 | $1,450,000 | 12.4% | 1.6% |
| FREEDOM MORTGAGE CORPORATION | $360,000 | $1,255,000 | 248.6% | 1.4% |
| Umpqua Bank | $830,000 | $1,175,000 | 41.6% | 1.3% |
| PENNYMAC LOAN SERVICES, LLC | $915,000 | $1,140,000 | 24.6% | 1.2% |
| QUORUM FEDERAL CREDIT UNION | $1,115,000 | n/a | 1.2% | |
| NAVY FEDERAL CREDIT UNION | $310,000 | $1,085,000 | 250.0% | 1.2% |
| Equity Prime Mortgage LLC | $210,000 | $955,000 | 354.8% | 1.0% |
| PNC Bank | $55,000 | $910,000 | 1,554.5% | 1.0% |
| HOMEXPRESS MORTGAGE CORP. | $905,000 | n/a | 1.0% | |
| BMO Harris Bank | $790,000 | n/a | 0.9% | |
| REDWOOD | $55,000 | $750,000 | 1,263.6% | 0.8% |
| LAKEVIEW LOAN SERVICING, LLC | $730,000 | n/a | 0.8% | |
| SUMMIT FUNDING, INC. | $1,715,000 | $715,000 | -58.3% | 0.8% |
| Commerce Home Mortgage, Inc. | $770,000 | $685,000 | -11.0% | 0.7% |
| Flagstar Bank, FSB | $685,000 | n/a | 0.7% | |
| Nations Lending Corporation | $660,000 | n/a | 0.7% | |
| INFINITY EQUITY GROUP, INC. | $625,000 | n/a | 0.7% | |
| GUILD MORTGAGE COMPANY | $1,270,000 | $620,000 | -51.2% | 0.7% |
| LOANDEPOT.COM, LLC | $450,000 | $620,000 | 37.8% | 0.7% |
| Sierra Pacific Mortgage Company, Inc. | $385,000 | $610,000 | 58.4% | 0.7% |
| SUMMIT MORTGAGE CORPORATION | $610,000 | n/a | 0.7% | |
| ARC HOME LLC | $565,000 | n/a | 0.6% | |
| CALCON MUTUAL MORTGAGE LLC | $565,000 | n/a | 0.6% | |
| TRIAD FINANCIAL SERVICES, INC. | $205,000 | $545,000 | 165.9% | 0.6% |
| GUARANTEED RATE, INC. | $520,000 | n/a | 0.6% | |
| Wells Fargo Bank | $395,000 | $520,000 | 31.6% | 0.6% |
| BROKER SOLUTIONS, INC. | $485,000 | n/a | 0.5% | |
| Residential Mortgage Solutions, Inc. | $475,000 | n/a | 0.5% | |
| Mr. Cooper ( Nationstar Mortgage ) | $155,000 | $455,000 | 193.5% | 0.5% |
| The Central Trust Bank | $445,000 | n/a | 0.5% | |
| American Mortgage & Equity Consultants, Inc. | $425,000 | n/a | 0.5% | |
| HomeStreet Bank | $425,000 | n/a | 0.5% | |
| Fifth Third Bank | $405,000 | n/a | 0.4% | |
| 21ST MORTGAGE CORPORATION | $65,000 | $395,000 | 507.7% | 0.4% |
| Figure Lending LLC | $80,000 | $395,000 | 393.8% | 0.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $345,000 | n/a | 0.4% | |
| MICHIGAN MUTUAL, INC. | $345,000 | n/a | 0.4% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $335,000 | n/a | 0.4% | |
| Lakeview Community Capital, LLC | $335,000 | n/a | 0.4% | |
| Old National Bank | $335,000 | n/a | 0.4% | |
| NEW DAY FINANCIAL, LLC | $305,000 | n/a | 0.3% | |
| NexBank | $305,000 | n/a | 0.3% | |
| The Federal Savings Bank | $255,000 | $305,000 | 19.6% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $295,000 | n/a | 0.3% | |
| AMWEST FUNDING CORP. | $295,000 | n/a | 0.3% | |
| RANLIFE, INC. | $265,000 | $295,000 | 11.3% | 0.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $285,000 | n/a | 0.3% | |
| CROSSCOUNTRY MORTGAGE, LLC | $265,000 | n/a | 0.3% | |
| Paramount Residential Mortgage Group, Inc. | $690,000 | $250,000 | -63.8% | 0.3% |
| OCMBC, INC. | $405,000 | $245,000 | -39.5% | 0.3% |
| TOP FLITE FINANCIAL, INC. | $305,000 | $225,000 | -26.2% | 0.2% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $105,000 | $210,000 | 100.0% | 0.2% |
| Bank of America | $25,000 | $205,000 | 720.0% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $205,000 | n/a | 0.2% | |
| PATELCO | $205,000 | n/a | 0.2% | |
| State Department Federal Credit Union | $205,000 | n/a | 0.2% | |
| Discover Bank | $85,000 | $195,000 | 129.4% | 0.2% |
| AMERICAN FINANCING CORPORATION | $145,000 | $165,000 | 13.8% | 0.2% |
| NEWREZ LLC | $150,000 | n/a | 0.2% | |
| PLAZA HOME MORTGAGE, INC. | $125,000 | n/a | 0.1% | |
| SAN FRANCISCO FIRE CREDIT UNION | $125,000 | n/a | 0.1% | |
| AMERITRUST MORTGAGE CORPORATION | $115,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $105,000 | n/a | 0.1% | |
| FRONTWAVE | $85,000 | n/a | 0.1% | |
| Franklin Loan Corporation | $305,000 | $75,000 | -75.4% | 0.1% |
| Oregon Pacific Banking Company | $75,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $75,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $275,000 | $55,000 | -80.0% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $55,000 | n/a | 0.1% | |
| JPMorgan Chase Bank | $835,000 | $45,000 | -94.6% | 0.0% |
| Coastal Community Bank | $70,000 | $25,000 | -64.3% | 0.0% |
Crescent City's top lender by overall market share is Citibank, with 15.5% market share. In second place, with 14.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $13,405,000 in loans. In third place, with 8.6%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $7,940,000 in loans. In fourth place, with 7.8%, is The Loan Store, Inc., having originated $7,245,000 in loans. In fifth place, with 6.4%, is QUICKEN LOANS, LLC, having originated $5,940,000 in loans.
Crescent City, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 163 | $62,775,000 | $385,123 |
| Cash Out Refi | 64 | $13,870,000 | $216,719 |
| Other | 42 | $4,270,000 | $101,667 |
| Refi | 35 | $9,635,000 | $275,286 |
| Home Improvement | 22 | $1,600,000 | $72,727 |
| NA | 1 | $685,000 | $685,000 |
Crescent City's most frequently cited loan purpose was Home Purchase, with 163 originations. The 2nd most popular reason was Cash Out Refi, with 64 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 120 | $36,700,000 | $305,833 |
| Over 8% | 94 | $23,730,000 | $252,447 |
| 7-8% | 65 | $18,735,000 | $288,231 |
| 5-6% | 39 | $12,515,000 | $320,897 |
| <2.5% | 4 | $30,000 | $7,500 |
| 4-5% | 3 | $1,015,000 | $338,333 |
| 3-4% | 1 | $35,000 | $35,000 |
During 2024, Crescent City's most frequently originated rate bucket was 6-7%, with 120 originations.
Loan Sizing (Crescent City, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 140 | $39,980,000 | $285,571 |
| $100,000 or less | 78 | $4,320,000 | $55,385 |
| $100k-200k | 57 | $7,545,000 | $132,368 |
| $400k-600k | 39 | $17,785,000 | $456,026 |
| $600k-1000k | 11 | $7,795,000 | $708,636 |
| $Over $1MM | 2 | $15,410,000 | $7,705,000 |
Crescent City's loan sizing saw the bucket of loans from $200k-400k with 140 originations, totaling $39,980,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 116 | $39,750,000 | $342,672 |
| Under 20% | 68 | $4,050,000 | $59,559 |
| 60-80% | 63 | $32,905,000 | $522,302 |
| 20-40% | 36 | $4,700,000 | $130,556 |
| 40-60% | 35 | $9,045,000 | $258,429 |
| Over 100% | 2 | $880,000 | $440,000 |
Crescent City's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 116 originations, totaling $39,750,000 in origination value.