EL CENTRO Mortgage Rates

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

30 Year Fixed Rate mortgages in El Centro averaged 5.57% for the week of 2022-05-12, compared to the national average of 5.3% for the same period.

The average rate for the prior week (2022-05-05) was 5.54% and one month ago for the week of 2022-04-07, the average rate was 5.19%.

El Centro's average rate one year ago was 3.29%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.19%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
El Centro 30 Year Fixed Rate 2022-05-12 5.57%
El Centro 30 Year Fixed Rate Refi 2022-05-12 5.19%
El Centro 15 Year Fixed Rate 2022-05-12 5.06%
El Centro 15 Year Fixed Rate Refi 2022-05-12 4.52%
El Centro 30 Year FHA 2022-05-12 5.38%
El Centro 30 Year FHA Refi 2022-05-12 5.27%
El Centro 30 Year USDA 2022-05-12 5.17%
El Centro 30 Year USDA Refi 2022-05-12 5%
El Centro 30 Year VA 2022-05-12 5.22%
El Centro 30 Year VA Refi 2022-05-12 5.16%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within EL CENTRO, CA.

EL CENTRO Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the EL CENTRO, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
UNITED WHOLESALE MORTGAGE, LLC 264 2.95% $5,109
QUICKEN LOANS, LLC 237 3.07% $4,883
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 105 3.46% $6,499
GUILD MORTGAGE COMPANY 84 3.19% $6,491
LOANDEPOT.COM, LLC 83 3.12% $5,612
HOME POINT FINANCIAL CORPORATION 72 3.31% $5,431
Wells Fargo Bank 68 3.23% $3,821
Wallick & Volk, Inc. 67 3.26% $6,497
INSPIRE HOME LOANS INC. 61 3.59% $5,907
Neighborhood Loans, Inc. 55 3.39% $5,433
PRIMELENDING, A PLAINSCAPITAL COMPANY 48 3.41% $7,426
ARK-LA-TEX FINANCIAL SERVICES, LLC. 46 3.44% $4,669
Paramount Residential Mortgage Group, Inc. 37 3.18% $4,901
Mr. Cooper ( Nationstar Mortgage ) 37 3.23% $5,485
JPMorgan Chase Bank 35 3.18% $3,571
AMERISAVE MORTGAGE CORPORATION 29 2.84% $4,888
GENEVA FINANCIAL, LLC 21 3.23% $5,000
MUFG Union Bank 21 3.21% $4,466
MUTUAL OF OMAHA MORTGAGE, INC. 20 3.05% $2,870
CROSSCOUNTRY MORTGAGE, LLC 19 3.34% $6,647
Sierra Pacific Mortgage Company, Inc. 18 3.09% $4,895
COMMUNITY MORTGAGE FUNDING, LLC 17 3.29% $3,526
NEWREZ LLC 15 3.39% $4,564
S1L, Inc. 15 3.46% $5,517
AMERICAN FINANCIAL NETWORK, INC. 14 3.25% $9,837
PENNYMAC LOAN SERVICES, LLC 13 3.04% $4,623
FREEDOM MORTGAGE CORPORATION 13 3.13% $2,644
BETTER MORTGAGE CORPORATION 12 3.01% $3,091
SUN WEST MORTGAGE COMPANY, INC. 12 3.30% $3,865
NETWORK CAPITAL FUNDING CORPORATION 12 3.40% $5,186
BROKER SOLUTIONS, INC. 12 3.10% $5,277
Bank of America 11 3.17% $3,323
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 11 3.34% $5,144
HOMEBRIDGE FINANCIAL SERVICES, INC. 9 3.00% $4,981
NAVY FEDERAL CREDIT UNION 9 4.01% $4,663
GUARANTEED RATE, INC. 9 3.11% $3,051
Watermark Capital, Inc. 8 2.84% $2,666
STEARNS LENDING, LLC 8 3.27% $3,279
U.S. Bank 8 3.38% $2,825
CALIBER HOME LOANS, INC. 8 3.12% $4,366
FINANCE OF AMERICA MORTGAGE LLC 7 3.18% $4,280
MOVEMENT MORTGAGE, LLC 6 3.13% $5,714
NBKC BANK 6 2.93% $3,744
Hometown Lenders, Inc. 6 3.20% $6,021
AMERICAN PACIFIC MORTGAGE CORPORATION 5 3.22% $4,204
RESIDENTIAL WHOLESALE MORTGAGE, INC. 5 3.17% $4,110
ZILLOW HOME LOANS, LLC 4 3.06% $2,486
Arvest Bank 4 3.16% $4,725
CANOPY MORTGAGE, LLC 4 2.91% $2,006
Carrington Mortgage Services, LLC 4 3.38% $4,749
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 4 3.00% $2,810
NOVA FINANCIAL & INVESTMENT CORPORATION 4 3.25% $3,028
OCMBC, INC. 4 3.16% $5,033
PRIMARY RESIDENTIAL MORTGAGE, INC. 4 3.37% $6,364
SUMMIT FUNDING, INC. 4 3.03% $4,019
VISION ONE MORTGAGE, INC. 4 3.06% $9,529
SCHOOLSFIRST 3 3.00% $2,691
HOMESIDE FINANCIAL, LLC 3 2.91% $5,042
PLANET HOME LENDING, LLC 3 3.04% $5,871
InterContinental Capital Group, Inc 3 3.46% $5,343
CMG MORTGAGE, INC. 3 3.42% $4,351
WINNPOINTE CORPORATION 3 2.79% $1,017
WESCOM CENTRAL CREDIT UNION 3 3.42% $3,512
Flagstar Bank, FSB 3 3.16% $4,403
First Guaranty Mortgage Corporation 3 2.75% $5,051
MICHIGAN MUTUAL, INC. 3 3.13% $4,411
Franklin Loan Corporation 3 3.63% $4,725
Lakeview Community Capital, LLC 3 3.63% $2,348
LOANLEADERS OF AMERICA, INC. 2 3.31% $3,216
Deere Employees Credit Union 2 3.25% $3,969
ABSOLUTE HOME MORTGAGE CORPORATION 2 3.13% $2,335
Commerce Home Mortgage, Inc. 2 3.00% $3,758
Hometown Equity Mortgage, LLC 2 2.94% $6,019
IMPAC MORTGAGE CORP. 2 2.81% $2,521
LAKEVIEW LOAN SERVICING, LLC 2 3.44% $2,458
Manufacturers and Traders Trust Company 2 3.38% $3,755
CALCULATED RISK ANALYTICS LLC 2 2.88% $9,771
Axos Bank 2 3.49% $2,396
NexBank 2 3.13% $3,359
NMSI, INC. 2 3.00% $4,712
North American Savings Bank, F.S.B. 2 2.88% $1,383
ONY GLO, INC. 2 3.19% $2,975
Amerifirst Financial, Inc. 2 3.19% $5,280
PNC Bank 2 3.31% $2,956
PROVIDENT FUNDING ASSOCIATES, L.P. 2 3.00% $3,332
AMERICAN FINANCING CORPORATION 2 3.12% $3,686
Quontic Bank 2 5.56% $8,205
SECURITYNATIONAL MORTGAGE COMPANY 2 3.00% $4,336
Strong Home Mortgage, LLC 2 3.18% $4,160
Wyndham Capital Mortgage, Inc. 2 2.87% $1,285
ALL WESTERN MORTGAGE, INC. 2 3.37% $3,592
AHL FUNDING 2 2.88% $4,139
USE Credit Union 2 3.56% $2,690
A&D Mortgage LLC 2 5.31% $9,936
FirstBank 2 2.93% $2,182
MORTGAGE 2000, INC. 1 2.88% $3,218
MORTGAGEONE, INC. 1 2.88% $6,581
CHERRY CREEK MORTGAGE, LLC 1 2.62% $597
CELEBRITY HOME LOANS, LLC 1 2.88% $4,209
CAPSTONE DIRECT, INC. 1 2.50% $2,769
SWBC MORTGAGE CORPORATION 1 4.38% $8,401
Nations Lending Corporation 1 3.50% $6,817
BEST CAPITAL FUNDING 1 2.75% $3,317
BBVA USA 1 4.13% $7,862
BAY EQUITY LLC 1 3.13% $3,508
Texana Bank 1 2.88% $6,942
ATHAS CAPITAL GROUP, INC. 1 4.99% $8,801
The Federal Savings Bank 1 3.63% $8,568
NEXERA HOLDING LLC 1 4.63% $9,961
THE GOLDEN 1 1 2.88% $3,146
TIAA, FSB 1 3.75% $2,813
Northpointe Bank 1 3.50% $2,839
Northwest Farm Credit Services, FLCA 1 3.55% $16,018
DIRECT MORTGAGE, CORP. 1 3.50% $6,691
GUARANTEED RATE AFFINITY, LLC 1 3.25% $763
TJC Mortgage, Inc. 1 2.63% $2,512
OPEN MORTGAGE, LLC 1 3.25% $1,441
ORANGE COUNTY'S CREDIT UNION 1 3.13% $4,496
AmeriHome Mortgage Company, LLC 1 3.25% $3,980
ALAMEDA MORTGAGE CORPORATION 1 2.50% $2,776
PENTAGON FEDERAL CREDIT UNION 1 2.38% $2,494
PHH Mortgage Corporation 1 3.25% $3,263
Greenbox Loans, Inc. 1 6.75% $7,156
PLAZA HOME MORTGAGE, INC. 1 3.50% $3,176
Discover Bank 1 4.25% $0
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION 1 3.00% $3,363
Prime Choice Funding Inc. 1 3.13% $2,920
AMERICAN INTERNET MORTGAGE, INC. 1 2.75% $1,998
Princeton Mortgage Corporation 1 3.38% $4,801
FIRST IMPERIAL Credit Union 1 4.25% $6,000
VANDERBILT MORTGAGE AND FINANCE, INC. 1 3.25% $4,921
5TH STREET CAPITAL, INC. 1 5.88% $10,494
RESIDENTIAL BANCORP. 1 3.38% $5,305
AMERICAN FINANCE HOUSE LARIBA 1 2.96% $3,403
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.00% $5,071
ROYAL UNITED MORTGAGE LLC 1 3.50% $10,891
AMCAP MORTGAGE, LTD. 1 2.88% $5,025
SAN DIEGO COUNTY CREDIT UNION 1 2.88% $2,611
SCENIC OAKS FUNDING, INC. 1 3.25% $4,182
Golden Empire Mortgage, Inc. 1 3.25% $3,518
FISHER FINANCIAL GROUP, INCORPORATED 1 2.88% $3,205
ALTURA 1 2.87% $2,452
SPRING EQ, LLC 1 3.75% $9,747
Ally Bank 1 2.88% $2,638
Stifel Bank and Trust 1 2.75% $2,191
ACADEMY MORTGAGE CORPORATION 1 3.13% $5,289
Fifth Third Bank 1 3.13% $2,871
HOMEXPRESS MORTGAGE CORP. 1 4.25% $10,196
INTELLILOAN, INC. 1 3.63% $7,418
Colonial Savings, F.A. 1 3.38% $2,211
JMJ FINANCIAL GROUP 1 3.75% $3,335
CHURCHILL MORTGAGE CORPORATION 1 3.50% $3,165
LADERA LENDING, INC. 1 3.75% $10,190
Home Mortgage Alliance Corp 1 3.38% $5,567
Sunflower Bank 1 4.88% $7,036
LENOX FINANCIAL MORTGAGE CORPORATION 1 2.75% $5,733
CHU & ASSOCIATES, INC. 1 3.38% $7,760
CUSTOMER SERVICE MORTGAGE CORPORATION 1 4.13% $6,913
LOANPAL, LLC 1 3.50% $4,902
Loan Simple, Inc. 1 3.38% $4,218
FBC MORTGAGE, LLC 1 2.75% $2,515
Mechanics Bank 1 2.88% $4,734
MEGA CAPITAL FUNDING, INC. 1 2.63% $3,134
Merchants Bank of Indiana 1 2.75% $6,702
HighTechLending Inc 1 3.63% $5,772
MISSION 1 2.88% $4,207
ML Mortgage Corp. 1 2.88% $4,605
MORIA DEVELOPMENT, INC. 1 3.63% $4,893

EL CENTRO, CA's 168 lenders originated 4,956 loans during 2021. The total origination value was $1,126,060,000, with an average loan value of $227,211.

The top EL CENTRO lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 264 loans originated. Their average total fees are $5,109, which is $226 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee EL CENTRO lenders (with over 10 loans originated) are FREEDOM MORTGAGE CORPORATION ($2,644), MUTUAL OF OMAHA MORTGAGE, INC. ($2,870), BETTER MORTGAGE CORPORATION ($3,091), Bank of America ($3,323) and COMMUNITY MORTGAGE FUNDING, LLC ($3,526).

The lowest rate EL CENTRO lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.84%), UNITED WHOLESALE MORTGAGE, LLC (2.95%), BETTER MORTGAGE CORPORATION (3.01%), PENNYMAC LOAN SERVICES, LLC (3.04%) and MUTUAL OF OMAHA MORTGAGE, INC. (3.05%).

EL CENTRO, CA Lender 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
UNITED WHOLESALE MORTGAGE, LLC $106,495,000 $135,270,000 27.0% 12.0%
QUICKEN LOANS, LLC $101,620,000 $108,925,000 7.2% 9.7%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $38,155,000 $55,830,000 46.3% 5.0%
HOME POINT FINANCIAL CORPORATION $17,525,000 $49,720,000 183.7% 4.4%
LOANDEPOT.COM, LLC $41,270,000 $45,385,000 10.0% 4.0%
FREEDOM MORTGAGE CORPORATION $44,085,000 $41,790,000 -5.2% 3.7%
Wallick & Volk, Inc. $43,490,000 $39,880,000 -8.3% 3.5%
INSPIRE HOME LOANS INC. $23,445,000 $39,275,000 67.5% 3.5%
GUILD MORTGAGE COMPANY $29,035,000 $34,575,000 19.1% 3.1%
Wells Fargo Bank $25,875,000 $31,805,000 22.9% 2.8%
Neighborhood Loans, Inc. $30,825,000 n/a 2.7%
PRIMELENDING, A PLAINSCAPITAL COMPANY $32,625,000 $30,255,000 -7.3% 2.7%
CALIBER HOME LOANS, INC. $20,895,000 $27,905,000 33.5% 2.5%
Mr. Cooper ( Nationstar Mortgage ) $16,990,000 $22,780,000 34.1% 2.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $19,705,000 $20,725,000 5.2% 1.8%
PENNYMAC LOAN SERVICES, LLC $11,680,000 $17,480,000 49.7% 1.6%
Paramount Residential Mortgage Group, Inc. $3,390,000 $16,765,000 394.5% 1.5%
JPMorgan Chase Bank $7,370,000 $13,355,000 81.2% 1.2%
SUN WEST MORTGAGE COMPANY, INC. $14,350,000 $13,205,000 -8.0% 1.2%
AMERISAVE MORTGAGE CORPORATION $6,670,000 $11,900,000 78.4% 1.1%
CROSSCOUNTRY MORTGAGE, LLC $3,270,000 $11,380,000 248.0% 1.0%
GENEVA FINANCIAL, LLC $38,015,000 $9,570,000 -74.8% 0.8%
HOMEBRIDGE FINANCIAL SERVICES, INC. $11,850,000 $8,960,000 -24.4% 0.8%
Cornerstone First Mortgage, Inc $1,260,000 $8,955,000 610.7% 0.8%
Sierra Pacific Mortgage Company, Inc. $4,325,000 $8,840,000 104.4% 0.8%
AMERICAN FINANCIAL NETWORK, INC. $6,200,000 $8,785,000 41.7% 0.8%
MUFG Union Bank $4,995,000 $8,550,000 71.2% 0.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $23,185,000 $8,260,000 -64.4% 0.7%
NAVY FEDERAL CREDIT UNION $4,215,000 $8,125,000 92.8% 0.7%
Lakeview Community Capital, LLC $4,410,000 $7,825,000 77.4% 0.7%
NEWREZ LLC $6,235,000 $7,690,000 23.3% 0.7%
BETTER MORTGAGE CORPORATION $1,210,000 $7,450,000 515.7% 0.7%
MUTUAL OF OMAHA MORTGAGE, INC. $8,720,000 $7,170,000 -17.8% 0.6%
Mechanics Bank $6,920,000 n/a 0.6%
S1L, Inc. $6,395,000 $6,880,000 7.6% 0.6%
Mortgage Research Center, LLC $3,100,000 $6,615,000 113.4% 0.6%
STEARNS LENDING, LLC $5,025,000 $6,550,000 30.3% 0.6%
BROKER SOLUTIONS, INC. $4,305,000 $6,095,000 41.6% 0.5%
Capital One $5,915,000 n/a 0.5%
COMMUNITY MORTGAGE FUNDING, LLC $6,875,000 $5,900,000 -14.2% 0.5%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $4,965,000 n/a 0.4%
Carrington Mortgage Services, LLC $5,255,000 $4,760,000 -9.4% 0.4%
First Guaranty Mortgage Corporation $2,030,000 $4,660,000 129.6% 0.4%
ORIX REAL ESTATE CAPITAL, LLC $6,740,000 $4,630,000 -31.3% 0.4%
GUARANTEED RATE, INC. $2,625,000 $4,480,000 70.7% 0.4%
AMERICAN PACIFIC MORTGAGE CORPORATION $4,030,000 $4,415,000 9.6% 0.4%
Flagstar Bank, FSB $5,060,000 $3,905,000 -22.8% 0.3%
Commerce Home Mortgage, Inc. $8,185,000 $3,640,000 -55.5% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $4,565,000 $3,585,000 -21.5% 0.3%
Bank of America $5,135,000 $3,285,000 -36.0% 0.3%
FINANCE OF AMERICA MORTGAGE LLC $4,065,000 $3,210,000 -21.0% 0.3%
PLANET HOME LENDING, LLC $2,995,000 $3,205,000 7.0% 0.3%
U.S. Bank $2,010,000 $3,175,000 58.0% 0.3%
NETWORK CAPITAL FUNDING CORPORATION $1,590,000 $3,095,000 94.7% 0.3%
OCMBC, INC. $1,760,000 $2,950,000 67.6% 0.3%
NBKC BANK $4,985,000 $2,895,000 -41.9% 0.3%
MOVEMENT MORTGAGE, LLC $2,145,000 $2,810,000 31.0% 0.2%
Equity Prime Mortgage LLC $4,440,000 $2,805,000 -36.8% 0.2%
Loan Simple, Inc. $2,685,000 n/a 0.2%
LAKEVIEW LOAN SERVICING, LLC $2,735,000 $2,530,000 -7.5% 0.2%
Hometown Lenders, Inc. $2,475,000 n/a 0.2%
SCHOOLSFIRST $660,000 $2,360,000 257.6% 0.2%
VISION ONE MORTGAGE, INC. $880,000 $2,350,000 167.0% 0.2%
NEW DAY FINANCIAL, LLC $1,445,000 $2,325,000 60.9% 0.2%
CLEARPATH LENDING $5,025,000 $2,310,000 -54.0% 0.2%
Watermark Capital, Inc. $945,000 $2,040,000 115.9% 0.2%
Franklin Loan Corporation $1,020,000 $1,970,000 93.1% 0.2%
MICHIGAN MUTUAL, INC. $695,000 $1,935,000 178.4% 0.2%
SUMMIT FUNDING, INC. $1,060,000 $1,890,000 78.3% 0.2%
AMWEST FUNDING CORP. $3,895,000 $1,775,000 -54.4% 0.2%
USAA Federal Savings Bank $2,570,000 $1,710,000 -33.5% 0.2%
North American Savings Bank, F.S.B. $1,215,000 $1,495,000 23.0% 0.1%
Wyndham Capital Mortgage, Inc. $1,495,000 n/a 0.1%
Arvest Bank $205,000 $1,465,000 614.6% 0.1%
NOVA FINANCIAL & INVESTMENT CORPORATION $1,470,000 $1,465,000 -0.3% 0.1%
FirstBank $750,000 $1,390,000 85.3% 0.1%
CANOPY MORTGAGE, LLC $155,000 $1,385,000 793.5% 0.1%
Northwest Farm Credit Services, FLCA $1,015,000 $1,310,000 29.1% 0.1%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $2,165,000 $1,290,000 -40.4% 0.1%
WINNPOINTE CORPORATION $1,320,000 $1,260,000 -4.5% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $225,000 $1,240,000 451.1% 0.1%
Hometown Equity Mortgage, LLC $330,000 $1,235,000 274.2% 0.1%
PLAZA HOME MORTGAGE, INC. $2,235,000 $1,225,000 -45.2% 0.1%
LADERA LENDING, INC. $1,215,000 $1,200,000 -1.2% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $2,240,000 $1,160,000 -48.2% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $2,665,000 $1,160,000 -56.5% 0.1%
CASTLE & COOKE MORTGAGE, LLC $90,000 $1,105,000 1,127.8% 0.1%
PENTAGON FEDERAL CREDIT UNION $120,000 $1,090,000 808.3% 0.1%
CALCULATED RISK ANALYTICS LLC $770,000 $1,050,000 36.4% 0.1%
BAY EQUITY LLC $850,000 $1,025,000 20.6% 0.1%
CMG MORTGAGE, INC. $545,000 $1,020,000 87.2% 0.1%
ABSOLUTE HOME MORTGAGE CORPORATION $970,000 n/a 0.1%
AmeriHome Mortgage Company, LLC $1,335,000 $970,000 -27.3% 0.1%
MID AMERICA MORTGAGE, INC. $255,000 $950,000 272.5% 0.1%
Manufacturers and Traders Trust Company $155,000 $935,000 503.2% 0.1%
Deere Employees Credit Union $370,000 $910,000 145.9% 0.1%
ZILLOW HOME LOANS, LLC $890,000 n/a 0.1%
PNC Bank $470,000 $885,000 88.3% 0.1%
ATHAS CAPITAL GROUP, INC. $875,000 n/a 0.1%
HighTechLending Inc $505,000 $855,000 69.3% 0.1%
PHH Mortgage Corporation $445,000 $840,000 88.8% 0.1%
Amerifirst Financial, Inc. $650,000 $835,000 28.5% 0.1%
InterContinental Capital Group, Inc $1,005,000 $800,000 -20.4% 0.1%
HOMESIDE FINANCIAL, LLC $685,000 $780,000 13.9% 0.1%
MOUNTAIN WEST FINANCIAL, INC. $3,935,000 $770,000 -80.4% 0.1%
Strong Home Mortgage, LLC $1,490,000 $770,000 -48.3% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,540,000 $755,000 -51.0% 0.1%
USE Credit Union $755,000 n/a 0.1%
CIVIC FINANCIAL SERVICES, LLC $750,000 n/a 0.1%
TJC Mortgage, Inc. $850,000 $745,000 -12.4% 0.1%
SAN DIEGO COUNTY CREDIT UNION $410,000 $725,000 76.8% 0.1%
MORTGAGEONE, INC. $710,000 n/a 0.1%
California Coast Credit Union $125,000 $705,000 464.0% 0.1%
CHURCHILL MORTGAGE CORPORATION $235,000 $700,000 197.9% 0.1%
LOANPAL, LLC $310,000 $690,000 122.6% 0.1%
THE GOLDEN 1 $590,000 $680,000 15.3% 0.1%
IMPAC MORTGAGE CORP. $1,675,000 $660,000 -60.6% 0.1%
MEGA CAPITAL FUNDING, INC. $1,130,000 $655,000 -42.0% 0.1%
AMCAP MORTGAGE, LTD. $1,015,000 $650,000 -36.0% 0.1%
LOANLEADERS OF AMERICA, INC. $185,000 $640,000 245.9% 0.1%
NexBank $925,000 $630,000 -31.9% 0.1%
AMERICAN ADVISORS GROUP $170,000 $625,000 267.6% 0.1%
CHERRY CREEK MORTGAGE, LLC $610,000 $620,000 1.6% 0.1%
Figure Lending LLC $190,000 $620,000 226.3% 0.1%
ACADEMY MORTGAGE CORPORATION $615,000 n/a 0.1%
ML Mortgage Corp. $680,000 $610,000 -10.3% 0.1%
Citadel Servicing Corporation $605,000 n/a 0.1%
Financial Funding Solutions, Inc. $590,000 n/a 0.1%
CELEBRITY HOME LOANS, LLC $600,000 $580,000 -3.3% 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $580,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $935,000 $575,000 -38.5% 0.1%
NEXERA HOLDING LLC $550,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $420,000 $540,000 28.6% 0.0%
Low VA Rates, LLC $1,375,000 $530,000 -61.5% 0.0%
SPRING EQ, LLC $295,000 $525,000 78.0% 0.0%
JMJ FINANCIAL GROUP $1,210,000 $510,000 -57.9% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $500,000 n/a 0.0%
Axos Bank $655,000 $490,000 -25.2% 0.0%
FIRST IMPERIAL Credit Union $1,755,000 $485,000 -72.4% 0.0%
LENDINGHOME FUNDING CORPORATION $230,000 $485,000 110.9% 0.0%
5TH STREET CAPITAL, INC. $480,000 n/a 0.0%
AHL FUNDING $4,530,000 $480,000 -89.4% 0.0%
Discover Bank $490,000 $470,000 -4.1% 0.0%
UNITED SECURITY FINANCIAL CORP $470,000 n/a 0.0%
FISHER FINANCIAL GROUP, INCORPORATED $595,000 $460,000 -22.7% 0.0%
Merchants Bank of Indiana $460,000 n/a 0.0%
Fifth Third Bank $285,000 $450,000 57.9% 0.0%
21ST MORTGAGE CORPORATION $390,000 $440,000 12.8% 0.0%
A&D Mortgage LLC $440,000 n/a 0.0%
The Federal Savings Bank $1,520,000 $440,000 -71.1% 0.0%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $435,000 n/a 0.0%
NATIONS DIRECT MORTGAGE, LLC $855,000 $430,000 -49.7% 0.0%
WESCOM CENTRAL CREDIT UNION $425,000 n/a 0.0%
BM Real Estate Services, Inc. $420,000 n/a 0.0%
SOFI LENDING CORP. $1,535,000 $400,000 -73.9% 0.0%
INLAND BANK & TRUST $390,000 n/a 0.0%
MORIA DEVELOPMENT, INC. $185,000 $390,000 110.8% 0.0%
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY $980,000 $390,000 -60.2% 0.0%
ALL WESTERN MORTGAGE, INC. $380,000 n/a 0.0%
Barrington Bank & Trust Company, N.A. $870,000 $380,000 -56.3% 0.0%
Colonial Savings, F.A. $195,000 $380,000 94.9% 0.0%
Greenbox Loans, Inc. $380,000 n/a 0.0%
BBVA USA $375,000 n/a 0.0%
ALAMEDA MORTGAGE CORPORATION $145,000 $365,000 151.7% 0.0%
GUARANTEED RATE AFFINITY, LLC $365,000 n/a 0.0%
CORNERSTONE HOME LENDING, INC. $355,000 n/a 0.0%
OPEN MORTGAGE, LLC $350,000 n/a 0.0%
RESIDENTIAL BANCORP. $340,000 $350,000 2.9% 0.0%
Platinum Home Mortgage Corporation $345,000 n/a 0.0%
NMSI, INC. $665,000 $340,000 -48.9% 0.0%
ONY GLO, INC. $530,000 $340,000 -35.8% 0.0%
CAPSTONE DIRECT, INC. $335,000 n/a 0.0%
HOMEXPRESS MORTGAGE CORP. $405,000 $335,000 -17.3% 0.0%
MISSION $205,000 $330,000 61.0% 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $330,000 n/a 0.0%
Princeton Mortgage Corporation $325,000 n/a 0.0%
Nations Lending Corporation $1,355,000 $320,000 -76.4% 0.0%
AMERICAN FINANCE HOUSE LARIBA $315,000 n/a 0.0%
BECKAM FUNDING CORP. $255,000 $305,000 19.6% 0.0%
WESTERN EXPRESS LENDING $285,000 $305,000 7.0% 0.0%
Advisors Mortgage Group, L.L.C. $300,000 n/a 0.0%
Quontic Bank $300,000 n/a 0.0%
CUSTOMER SERVICE MORTGAGE CORPORATION $295,000 n/a 0.0%
Truist Bank $115,000 $295,000 156.5% 0.0%
Century Mortgage Company DBA Century Lending Company $285,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $410,000 $285,000 -30.5% 0.0%
INTELLILOAN, INC. $440,000 $275,000 -37.5% 0.0%
Magnolia Bank $245,000 $265,000 8.2% 0.0%
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION $265,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $200,000 $260,000 30.0% 0.0%
Sunflower Bank $155,000 $255,000 64.5% 0.0%
Ally Bank $245,000 n/a 0.0%
BNB FINANCIAL INC. $245,000 n/a 0.0%
Colten Mortgage, LLC $400,000 $245,000 -38.8% 0.0%
DIRECT MORTGAGE, CORP. $235,000 $245,000 4.3% 0.0%
EQUITY WAVE LENDING, INC. $245,000 n/a 0.0%
LENDUS, LLC $410,000 $245,000 -40.2% 0.0%
MORTGAGE 2000, INC. $245,000 n/a 0.0%
Prime Choice Funding Inc. $1,165,000 $245,000 -79.0% 0.0%
SWBC MORTGAGE CORPORATION $245,000 n/a 0.0%
Texana Bank $245,000 n/a 0.0%
ALTURA $240,000 n/a 0.0%
COMMUNITYAMERICA $235,000 n/a 0.0%
NATIONS RELIABLE LENDING, LLC $235,000 n/a 0.0%
ACCELERATE MORTGAGE, LLC $175,000 $225,000 28.6% 0.0%
First Internet Bank of Indiana $235,000 $225,000 -4.3% 0.0%
Golden Empire Mortgage, Inc. $975,000 $225,000 -76.9% 0.0%
HOME FUNDING CORPORATION $225,000 n/a 0.0%
RANLIFE, INC. $225,000 n/a 0.0%
ST FIN CORP $530,000 $215,000 -59.4% 0.0%
Columbia State Bank $205,000 n/a 0.0%
MEGASTAR FINANCIAL CORP. $105,000 $205,000 95.2% 0.0%
SCENIC OAKS FUNDING, INC. $205,000 n/a 0.0%
CHU & ASSOCIATES, INC. $145,000 $195,000 34.5% 0.0%
ROYAL UNITED MORTGAGE LLC $220,000 $195,000 -11.4% 0.0%
Northpointe Bank $215,000 $185,000 -14.0% 0.0%
Stifel Bank and Trust $185,000 n/a 0.0%
THRIVENT Federal Credit Union $570,000 $180,000 -68.4% 0.0%
AMERICAN HOME LENDING USA, LLC $235,000 $175,000 -25.5% 0.0%
Financial Partners Credit Union $175,000 n/a 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $1,180,000 $175,000 -85.2% 0.0%
FINANCE OF AMERICA REVERSE LLC $135,000 $165,000 22.2% 0.0%
ORANGE COUNTY'S CREDIT UNION $165,000 n/a 0.0%
SUMMIT MORTGAGE BANKERS INC. $165,000 n/a 0.0%
BEST CAPITAL FUNDING $255,000 $155,000 -39.2% 0.0%
MIDWEST LOAN SOLUTIONS, INC. $155,000 n/a 0.0%
PARKSIDE LENDING, LLC $155,000 n/a 0.0%
Budget Mortgage Corp. $150,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $205,000 $145,000 -29.3% 0.0%
PANORAMA MORTGAGE GROUP, LLC $135,000 n/a 0.0%
FBC MORTGAGE, LLC $2,100,000 $125,000 -94.0% 0.0%
Home Mortgage Alliance Corp $125,000 n/a 0.0%
JMAC LENDING, INC. $525,000 $125,000 -76.2% 0.0%
Umpqua Bank $125,000 n/a 0.0%
TIAA, FSB $240,000 $115,000 -52.1% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $45,000 $110,000 144.4% 0.0%
AMERICAN FIRST $105,000 n/a 0.0%
DATA MORTGAGE, INC. $195,000 $105,000 -46.2% 0.0%
TCF National Bank $105,000 n/a 0.0%
MYPOINT Credit Union $95,000 n/a 0.0%
FOUR POINTS $85,000 n/a 0.0%
United States Senate Federal Credit Union $90,000 $85,000 -5.6% 0.0%
Citibank $24,625,000 $65,000 -99.7% 0.0%
Connexus Credit Union $45,000 n/a 0.0%
KINECTA $570,000 $25,000 -95.6% 0.0%

EL CENTRO's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 12.0% market share. In second place, with 9.7%, is QUICKEN LOANS, LLC, having originated $108,925,000 in loans. In third place, with 5.0%, is CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP, having originated $55,830,000 in loans. In third place, with 4.4%, is HOME POINT FINANCIAL CORPORATION, having originated $49,720,000 in loans. In third place, with 4.0%, is LOANDEPOT.COM, LLC, having originated $45,385,000 in loans.


EL CENTRO, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 2,088 $451,500,000 $216,236
Home Purchase 1,487 $373,645,000 $251,274
Cash Out Refi 1,269 $279,835,000 $220,516
Home Improvement 62 $9,840,000 $158,710
Other 49 $6,275,000 $128,061
NA 1 $4,965,000 $4,965,000

El Centro's most frequently cited loan purpose was Refi, with 2,088 originations. The 2nd most popular reason was Home Purchase, with 1,487 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,946 $445,450,000 $228,905
3-4% 1,619 $384,625,000 $237,569
<2.5% 1,159 $239,005,000 $206,217
4-5% 137 $30,945,000 $225,876
5-6% 19 $2,765,000 $145,526
Over 8% 18 $2,200,000 $122,222
6-7% 10 $790,000 $79,000
7-8% 5 $345,000 $69,000

During 2021, El Centro's most frequently originated rate bucket was 2.5-3%, with 1,946 originations.

Loan Sizing (EL CENTRO, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 2,828 $768,020,000 $271,577
$100k-200k 1,628 $256,080,000 $157,297
$100,000 or less 357 $17,145,000 $48,025
$400k-600k 132 $60,850,000 $460,985
$Over $1MM 7 $21,325,000 $3,046,429
$600k-1000k 4 $2,640,000 $660,000

EL CENTRO's loan sizing saw the bucket of loans from $200k-400k with 2,828 originations, totaling $768,020,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,771 $410,655,000 $231,877
80-100% 1,710 $469,010,000 $274,275
40-60% 790 $139,630,000 $176,747
20-40% 203 $22,965,000 $113,128
Under 20% 183 $3,465,000 $18,934
Over 100% 46 $18,700,000 $406,522

EL CENTRO's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,771 originations, totaling $410,655,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - EL CENTRO (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 $249,950 (-3.7%) $262,097 (-4.3%) 0.00 213
2018-02-01 $256,500 (0.2%) $260,091 (-3.5%) 0.00 222
2018-03-01 $255,000 (1.0%) $257,368 (-4.4%) 0.00 217
2018-04-01 $259,495 (1.0%) $257,877 (-5.1%) 0.00 217
2018-05-01 $256,750 (-1.3%) $256,299 (-5.4%) 0.00 222
2018-06-01 $255,000 (-1.7%) $255,636 (-4.0%) 0.00 213
2018-07-01 $256,400 (-3.3%) $260,228 (-2.5%) 0.00 219
2018-08-01 $267,388 (-0.3%) $265,592 (-0.3%) 0.00 211
2018-09-01 $273,000 (3.8%) $270,044 (3.6%) 0.00 235
2018-10-01 $274,000 (4.8%) $267,754 (1.1%) 0.00 225
2018-11-01 $267,450 (3.3%) $267,031 (0.9%) 0.00 225
2018-12-01 $265,000 (6.0%) $268,085 (2.2%) 0.00 207
2019-01-01 $259,950 (4.0%) $265,791 (1.4%) 0.00 188
2019-02-01 $259,500 (1.2%) $263,778 (1.4%) 0.00 196
2019-03-01 $257,086 (0.8%) $266,275 (3.5%) 0.00 180
2019-04-01 $260,995 (0.6%) $271,648 (5.3%) 0.00 169
2019-05-01 $272,000 (5.9%) $281,839 (10.0%) 0.00 166
2019-06-01 $279,900 (9.8%) $296,041 (15.8%) 0.00 165
2019-07-01 $276,975 (8.0%) $299,119 (14.9%) 0.00 139
2019-08-01 $272,814 (2.0%) $293,556 (10.5%) 0.00 140
2019-09-01 $276,564 (1.3%) $292,218 (8.2%) 0.00 145
2019-10-01 $271,450 (-0.9%) $285,796 (6.7%) 0.00 137
2019-11-01 $275,000 (2.8%) $297,642 (11.5%) 0.00 146
2019-12-01 $277,250 (4.6%) $300,126 (12.0%) 0.00 149
2020-01-01 $272,995 (5.0%) $284,804 (7.2%) 0.00 149
2020-02-01 $273,830 (5.5%) $287,795 (9.1%) 0.00 145
2020-03-01 $273,950 (6.6%) $298,128 (12.0%) 0.00 125
2020-04-01 $274,950 (5.4%) $298,779 (10.0%) 0.00 122
2020-05-01 $272,000 (0.0%) $295,982 (5.0%) 0.00 103
2020-06-01 $272,900 (-2.5%) $290,438 (-1.9%) 0.00 102
2020-07-01 $284,900 (2.9%) $294,322 (-1.6%) 0.00 88
2020-08-01 $279,990 (2.6%) $287,138 (-2.2%) 0.00 84
2020-09-01 $280,950 (1.6%) $291,239 (-0.3%) 0.00 81
2020-10-01 $281,900 (3.9%) $332,787 (16.4%) 0.00 78
2020-11-01 $293,700 (6.8%) $352,079 (18.3%) 0.00 80
2020-12-01 $297,450 (7.3%) $363,935 (21.3%) 0.00 70
2021-01-01 $297,000 (8.8%) $363,189 (27.5%) 0.00 72
2021-02-01 $257,500 (-6.0%) $378,735 (31.6%) 0.00 55
2021-03-01 $268,750 (-1.9%) $362,465 (21.6%) 0.00 54
2021-04-01 $327,450 (19.1%) $387,795 (29.8%) 0.00 56
2021-05-01 $330,000 (21.3%) $356,397 (20.4%) 0.00 58
2021-06-01 $338,475 (24.0%) $370,470 (27.6%) 0.00 54
2021-07-01 $329,950 (15.8%) $366,978 (24.7%) 0.00 61
2021-08-01 $312,500 (11.6%) $351,824 (22.5%) 0.00 82
2021-09-01 $325,450 (15.8%) $354,476 (21.7%) 0.00 77
2021-10-01 $280,000 (-0.7%) $343,051 (3.1%) 0.00 75
2021-11-01 $332,000 (13.0%) $351,081 (-0.3%) 0.00 77
2021-12-01 $357,500 (20.2%) $371,671 (2.1%) 0.00 60
2022-01-01 $309,900 (4.3%) $328,426 (-9.6%) 0.00 40
2022-02-01 $337,500 (31.1%) $354,261 (-6.5%) 0.00 42
2022-03-01 $345,000 (28.4%) $367,299 (1.3%) 0.00 50
2022-04-01 $350,000 (6.9%) $367,936 (-5.1%) 0.00 57
EL CENTRO's median listing price for 2022-04-01 was $350,000, a difference of $22,550 (6.9%) versus the prior year and $5,000 versus the prior month.

EL CENTRO's median listing price comes in at 0% of the national average.

EL CENTRO's average listing price for 2022-04-01 was $367,936, a difference of $-19,859 (-5.1%) versus the prior year and $637 versus the prior month.

For the 2022-04-01 period, EL CENTRO had 57 MLS listings, a difference of 7 listings (14%) versus the prior month and 1 listings (2%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - EL CENTRO (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,773 sqft
2018-02-01 0 days 1,748 sqft
2018-03-01 0 days 1,772 sqft
2018-04-01 0 days 1,808 sqft
2018-05-01 0 days 1,779 sqft
2018-06-01 0 days 1,727 sqft
2018-07-01 0 days 1,712 sqft
2018-08-01 0 days 1,808 sqft
2018-09-01 0 days 1,841 sqft
2018-10-01 0 days 1,809 sqft
2018-11-01 0 days 1,745 sqft
2018-12-01 0 days 1,740 sqft
2019-01-01 0 days 1,766 sqft
2019-02-01 0 days 1,720 sqft
2019-03-01 0 days 1,689 sqft
2019-04-01 0 days 1,738 sqft
2019-05-01 0 days 1,816 sqft
2019-06-01 0 days 1,937 sqft
2019-07-01 0 days 1,849 sqft
2019-08-01 0 days 1,806 sqft
2019-09-01 0 days 1,783 sqft
2019-10-01 0 days 1,678 sqft
2019-11-01 0 days 1,749 sqft
2019-12-01 0 days 1,755 sqft
2020-01-01 0 days 1,650 sqft
2020-02-01 0 days 1,720 sqft
2020-03-01 0 days 1,721 sqft
2020-04-01 0 days 1,724 sqft
2020-05-01 0 days 1,694 sqft
2020-06-01 0 days 1,591 sqft
2020-07-01 0 days 1,700 sqft
2020-08-01 0 days 1,615 sqft
2020-09-01 0 days 1,594 sqft
2020-10-01 0 days 1,637 sqft
2020-11-01 0 days 1,800 sqft
2020-12-01 0 days 1,735 sqft
2021-01-01 0 days 1,664 sqft
2021-02-01 0 days 1,446 sqft
2021-03-01 0 days 1,555 sqft
2021-04-01 0 days 1,778 sqft
2021-05-01 0 days 1,704 sqft
2021-06-01 0 days 1,765 sqft
2021-07-01 0 days 1,645 sqft
2021-08-01 0 days 1,693 sqft
2021-09-01 0 days 1,690 sqft
2021-10-01 0 days 1,609 sqft
2021-11-01 0 days 1,643 sqft
2021-12-01 0 days 1,792 sqft
2022-01-01 0 days 1,438 sqft
2022-02-01 0 days 1,483 sqft
2022-03-01 0 days 1,555 sqft
2022-04-01 0 days 1,640 sqft
EL CENTRO's median listing age (time on market) for 2022-04-01 was 0 days.

EL CENTRO's median square footage for active listings during the 2022-04-01 period was 1,640 sqft. One year prior, the average listing was 1,778 sqft.