EL CENTRO Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in El Centro averaged
6.01%
for the week of 2024-10-03, compared to the national average of
6.12% for the same period.
The average rate for the prior week (2024-09-26) was
6.27% and
one month ago for the week of 2024-08-29, the
average rate was 6.54%.
El Centro's average rate one year ago was 7.3%.
For refis of the same type during the week of 2024-10-03, the average rate
was 6.12%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2024-10-03 | 6.12% |
El Centro 30 Year Fixed Rate | 2024-10-03 | 6.01% |
El Centro 30 Year Fixed Rate Refi | 2024-10-03 | 6.12% |
El Centro 15 Year Fixed Rate | 2024-10-03 | 5.25% |
El Centro 15 Year Fixed Rate Refi | 2024-10-03 | 5.65% |
El Centro 30 Year FHA | 2024-10-03 | 5.28% |
El Centro 30 Year FHA Refi | 2024-10-03 | 6.09% |
El Centro 30 Year USDA | 2024-10-03 | 5.97% |
El Centro 30 Year USDA Refi | 2024-10-03 | 5.97% |
El Centro 30 Year VA | 2024-10-03 | 5.54% |
El Centro 30 Year VA Refi | 2024-10-03 | 5.7% |
EL CENTRO 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 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.).
EL CENTRO Average Closing Costs & Other Stats
EL CENTRO, CA's 77 lenders originated 1,321
loans during 2023. The total origination value was $397,855,000, with an average loan value of
$301,177.
EL CENTRO's average closing costs are $7,149.
The top EL CENTRO lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
69 loans originated. Their average total fees are
$8,641, which is $434
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee EL CENTRO lenders (with over 10 loans originated) are
Wells Fargo Bank ($4,260), JPMorgan Chase Bank ($7,638), Wallick & Volk, Inc. ($8,112), QUICKEN LOANS, LLC ($8,208) and UNITED WHOLESALE MORTGAGE, LLC ($8,641).
The lowest rate EL CENTRO lenders (with over 10 loans originated) are
Wells Fargo Bank (6.29%), Wallick & Volk, Inc. (6.43%), CARDINAL FINANCIAL (6.47%), PRIMELENDING, A PLAINSCAPITAL COMPANY (6.52%) and UNITED WHOLESALE MORTGAGE, LLC (6.60%).
EL CENTRO, 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 | $90,510,000 | $66,330,000 | -26.7% | 16.7% |
Citibank | $26,540,000 | $41,660,000 | 57.0% | 10.5% |
PRIMELENDING, A PLAINSCAPITAL COMPANY | $28,650,000 | $29,685,000 | 3.6% | 7.5% |
Wallick & Volk, Inc. | $34,305,000 | $24,910,000 | -27.4% | 6.3% |
QUICKEN LOANS, LLC | $38,510,000 | $20,045,000 | -47.9% | 5.0% |
Banner Bank | $755,000 | $16,695,000 | 2,111.3% | 4.2% |
Zions Bank | $45,000 | $14,880,000 | 32,966.7% | 3.7% |
CARDINAL FINANCIAL | $29,430,000 | $13,650,000 | -53.6% | 3.4% |
Sierra Pacific Mortgage Company, Inc. | $8,810,000 | $10,445,000 | 18.6% | 2.6% |
PENNYMAC LOAN SERVICES, LLC | $7,540,000 | $9,410,000 | 24.8% | 2.4% |
ARK-LA-TEX FINANCIAL SERVICES, LLC. | $7,740,000 | $7,250,000 | -6.3% | 1.8% |
GUILD MORTGAGE COMPANY | $10,785,000 | $5,820,000 | -46.0% | 1.5% |
Wells Fargo Bank | $15,450,000 | $5,120,000 | -66.9% | 1.3% |
CROSSCOUNTRY MORTGAGE, LLC | $10,130,000 | $4,425,000 | -56.3% | 1.1% |
LOANDEPOT.COM, LLC | $11,275,000 | $4,420,000 | -60.8% | 1.1% |
Neighborhood Loans, Inc. | $37,295,000 | $4,310,000 | -88.4% | 1.1% |
Paramount Residential Mortgage Group, Inc. | $12,660,000 | $4,280,000 | -66.2% | 1.1% |
NAVY FEDERAL CREDIT UNION | $5,205,000 | $3,965,000 | -23.8% | 1.0% |
NEWREZ LLC | $3,480,000 | $3,955,000 | 13.6% | 1.0% |
Equity Prime Mortgage LLC | $3,490,000 | $3,750,000 | 7.4% | 0.9% |
JPMorgan Chase Bank | $6,020,000 | $3,400,000 | -43.5% | 0.9% |
AMWEST FUNDING CORP. | $1,365,000 | $3,365,000 | 146.5% | 0.8% |
OCMBC, INC. | $1,715,000 | $3,340,000 | 94.8% | 0.8% |
MOVEMENT MORTGAGE, LLC | $3,010,000 | $2,870,000 | -4.7% | 0.7% |
HOMEBRIDGE FINANCIAL SERVICES, INC. | $5,845,000 | $2,825,000 | -51.7% | 0.7% |
U.S. Bank | $995,000 | $2,555,000 | 156.8% | 0.6% |
Mortgage Research Center, LLC | $6,515,000 | $2,285,000 | -64.9% | 0.6% |
Golden Empire Mortgage, Inc. | $2,240,000 | n/a | 0.6% | |
Mr. Cooper ( Nationstar Mortgage ) | $7,415,000 | $2,120,000 | -71.4% | 0.5% |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $6,455,000 | $2,100,000 | -67.5% | 0.5% |
Bank of America | $3,435,000 | $2,020,000 | -41.2% | 0.5% |
BECKAM FUNDING CORP. | $805,000 | $1,965,000 | 144.1% | 0.5% |
SUN WEST MORTGAGE COMPANY, INC. | $895,000 | $1,965,000 | 119.6% | 0.5% |
ORIX REAL ESTATE CAPITAL, LLC | $1,915,000 | n/a | 0.5% | |
COREVEST AMERICAN FINANCE LENDER LLC | $1,875,000 | n/a | 0.5% | |
UNION HOME MORTGAGE CORP. | $285,000 | $1,835,000 | 543.9% | 0.5% |
Century Mortgage Company DBA Century Lending Company | $695,000 | $1,760,000 | 153.2% | 0.4% |
POINT Mortgage | $1,585,000 | n/a | 0.4% | |
FREEDOM MORTGAGE CORPORATION | $7,730,000 | $1,535,000 | -80.1% | 0.4% |
BROKER SOLUTIONS, INC. | $2,580,000 | $1,480,000 | -42.6% | 0.4% |
S1L, Inc. | $3,645,000 | $1,430,000 | -60.8% | 0.4% |
AMERICAN FINANCIAL NETWORK, INC. | $1,350,000 | n/a | 0.3% | |
NOVA FINANCIAL & INVESTMENT CORPORATION | $1,895,000 | $1,340,000 | -29.3% | 0.3% |
The Federal Savings Bank | $1,510,000 | $1,315,000 | -12.9% | 0.3% |
21ST MORTGAGE CORPORATION | $1,395,000 | $1,305,000 | -6.5% | 0.3% |
Commerce Home Mortgage, Inc. | $415,000 | $1,300,000 | 213.3% | 0.3% |
Carrington Mortgage Services, LLC | $2,075,000 | $1,250,000 | -39.8% | 0.3% |
AMERISAVE MORTGAGE CORPORATION | $4,545,000 | $1,175,000 | -74.1% | 0.3% |
LOANPAL, LLC | $925,000 | $1,075,000 | 16.2% | 0.3% |
Mechanics Bank | $2,875,000 | $1,030,000 | -64.2% | 0.3% |
LENDINGHOME FUNDING CORPORATION | $615,000 | $990,000 | 61.0% | 0.2% |
A&D Mortgage LLC | $805,000 | $955,000 | 18.6% | 0.2% |
Coastal Community Bank | $915,000 | n/a | 0.2% | |
USAA Federal Savings Bank | $885,000 | n/a | 0.2% | |
THE GOLDEN 1 | $875,000 | n/a | 0.2% | |
NATIONS DIRECT MORTGAGE, LLC | $730,000 | $870,000 | 19.2% | 0.2% |
HighTechLending Inc | $835,000 | n/a | 0.2% | |
Discover Bank | $1,290,000 | $795,000 | -38.4% | 0.2% |
Flagstar Bank, FSB | $1,500,000 | $785,000 | -47.7% | 0.2% |
Northwest Farm Credit Services, FLCA | $425,000 | $735,000 | 72.9% | 0.2% |
VAL-CHRIS INVESTMENTS, INC. | $695,000 | n/a | 0.2% | |
COMMUNITY MORTGAGE FUNDING, LLC | $615,000 | $645,000 | 4.9% | 0.2% |
AHL FUNDING | $485,000 | $620,000 | 27.8% | 0.2% |
SUMMIT FUNDING, INC. | $660,000 | $605,000 | -8.3% | 0.2% |
American Mortgage & Equity Consultants, Inc. | $595,000 | n/a | 0.1% | |
Lakeview Community Capital, LLC | $1,140,000 | $570,000 | -50.0% | 0.1% |
The Loan Store, Inc. | $155,000 | $550,000 | 254.8% | 0.1% |
SCHOOLSFIRST | $1,365,000 | $530,000 | -61.2% | 0.1% |
SPRING EQ, LLC | $760,000 | $530,000 | -30.3% | 0.1% |
Truist | $490,000 | n/a | 0.1% | |
Stifel Bank and Trust | $305,000 | $485,000 | 59.0% | 0.1% |
Figure Lending LLC | $495,000 | $455,000 | -8.1% | 0.1% |
Tri Counties Bank | $455,000 | n/a | 0.1% | |
BAY-VALLEY MORTGAGE GROUP | $430,000 | n/a | 0.1% | |
First-Citizens Bank & Trust Company | $420,000 | n/a | 0.1% | |
JMAC LENDING, INC. | $365,000 | $420,000 | 15.1% | 0.1% |
CLEARPATH LENDING | $865,000 | $405,000 | -53.2% | 0.1% |
HOMEOWNERS FINANCIAL GROUP USA, LLC | $405,000 | n/a | 0.1% | |
HOMEXPRESS MORTGAGE CORP. | $1,265,000 | $405,000 | -68.0% | 0.1% |
NBKC BANK | $405,000 | n/a | 0.1% | |
MID AMERICA MORTGAGE, INC. | $565,000 | $400,000 | -29.2% | 0.1% |
AmeriHome Mortgage Company, LLC | $980,000 | $395,000 | -59.7% | 0.1% |
Loan Simple, Inc. | $1,930,000 | $395,000 | -79.5% | 0.1% |
RANLIFE, INC. | $245,000 | $395,000 | 61.2% | 0.1% |
ACADEMY MORTGAGE CORPORATION | $670,000 | $390,000 | -41.8% | 0.1% |
Cornerstone First Mortgage, Inc | $3,830,000 | $390,000 | -89.8% | 0.1% |
Ally Bank | $165,000 | $365,000 | 121.2% | 0.1% |
AXIA FINANCIAL, LLC | $365,000 | n/a | 0.1% | |
GOOGAIN, INC. | $365,000 | n/a | 0.1% | |
United States Senate Federal Credit Union | $75,000 | $365,000 | 386.7% | 0.1% |
CALCON MUTUAL MORTGAGE LLC | $510,000 | $355,000 | -30.4% | 0.1% |
HOME APPROVALS DIRECT, INC. | $355,000 | n/a | 0.1% | |
KINECTA | $275,000 | $350,000 | 27.3% | 0.1% |
FAY SERVICING, LLC | $975,000 | $345,000 | -64.6% | 0.1% |
Ixonia Bank | $345,000 | n/a | 0.1% | |
MORTGAGEONE, INC. | $345,000 | n/a | 0.1% | |
PROVIDENT FUNDING ASSOCIATES, L.P. | $380,000 | $345,000 | -9.2% | 0.1% |
NETWORK CAPITAL FUNDING CORPORATION | $165,000 | $340,000 | 106.1% | 0.1% |
Performance Financial, Inc. | $340,000 | n/a | 0.1% | |
INTELLILOAN, INC. | $175,000 | $335,000 | 91.4% | 0.1% |
Platinum Home Mortgage Corporation | $245,000 | $335,000 | 36.7% | 0.1% |
Ameris Bank | $325,000 | n/a | 0.1% | |
LAKEVIEW LOAN SERVICING, LLC | $775,000 | $325,000 | -58.1% | 0.1% |
PENTAGON FEDERAL CREDIT UNION | $985,000 | $325,000 | -67.0% | 0.1% |
Evolve Bank & Trust | $315,000 | n/a | 0.1% | |
BEST FINANCE CAPITAL, INC. | $305,000 | $305,000 | 0.0% | 0.1% |
TOP FLITE FINANCIAL, INC. | $215,000 | $305,000 | 41.9% | 0.1% |
VILLAGE CAPITAL MORTGAGE | $925,000 | $305,000 | -67.0% | 0.1% |
ROYAL UNITED MORTGAGE LLC | $65,000 | $300,000 | 361.5% | 0.1% |
CALIBER HOME LOANS, INC. | $8,950,000 | $295,000 | -96.7% | 0.1% |
CMG MORTGAGE, INC. | $1,780,000 | $295,000 | -83.4% | 0.1% |
Citadel Servicing Corporation | $1,475,000 | $290,000 | -80.3% | 0.1% |
OPEN MORTGAGE, LLC | $290,000 | n/a | 0.1% | |
Barrington Bank & Trust Company, N.A. | $255,000 | $285,000 | 11.8% | 0.1% |
Franklin Loan Corporation | $225,000 | $285,000 | 26.7% | 0.1% |
RESIDENTIAL WHOLESALE MORTGAGE, INC. | $955,000 | $275,000 | -71.2% | 0.1% |
PLAZA HOME MORTGAGE, INC. | $500,000 | $265,000 | -47.0% | 0.1% |
Hometown Equity Mortgage, LLC | $265,000 | $260,000 | -1.9% | 0.1% |
AMCAP MORTGAGE, LTD. | $245,000 | n/a | 0.1% | |
PNC Bank | $1,155,000 | $245,000 | -78.8% | 0.1% |
AMERICAN PACIFIC MORTGAGE CORPORATION | $2,485,000 | $235,000 | -90.5% | 0.1% |
MORTGAGE SOLUTIONS OF COLORADO, LLC | $265,000 | $235,000 | -11.3% | 0.1% |
North American Savings Bank, F.S.B. | $540,000 | $225,000 | -58.3% | 0.1% |
Waterstone Mortgage Corporation | $225,000 | n/a | 0.1% | |
PHH Mortgage Corporation | $135,000 | $215,000 | 59.3% | 0.1% |
GENEVA FINANCIAL, LLC | $245,000 | $205,000 | -16.3% | 0.1% |
LENOX FINANCIAL MORTGAGE CORPORATION | $205,000 | n/a | 0.1% | |
Cache Valley Bank | $195,000 | n/a | 0.0% | |
INTERCAP LENDING INC. | $190,000 | n/a | 0.0% | |
Third Federal Savings and Loan Association of Cleveland | $190,000 | n/a | 0.0% | |
CREDIT HUMAN FEDERAL CREDIT UNION | $35,000 | $185,000 | 428.6% | 0.0% |
VERITAS FUNDING, LLC | $225,000 | $185,000 | -17.8% | 0.0% |
EMM LOANS LLC | $155,000 | n/a | 0.0% | |
Prosperity Home Mortgage, LLC | $155,000 | n/a | 0.0% | |
TRIAD FINANCIAL SERVICES, INC. | $210,000 | $150,000 | -28.6% | 0.0% |
California Coast Credit Union | $6,775,000 | $145,000 | -97.9% | 0.0% |
Connexus Credit Union | $145,000 | n/a | 0.0% | |
Greenbox Loans, Inc. | $650,000 | $145,000 | -77.7% | 0.0% |
HOMESIDE FINANCIAL, LLC | $175,000 | $145,000 | -17.1% | 0.0% |
Logan Finance Corporation | $145,000 | n/a | 0.0% | |
GEORGIA'S OWN | $135,000 | n/a | 0.0% | |
SAN DIEGO COUNTY CREDIT UNION | $530,000 | $130,000 | -75.5% | 0.0% |
Financial Partners Credit Union | $125,000 | n/a | 0.0% | |
ALLIANT CREDIT UNION | $170,000 | $115,000 | -32.4% | 0.0% |
CALIFORNIA CREDIT UNION | $105,000 | n/a | 0.0% | |
DEEPHAVEN MORTGAGE LLC | $105,000 | n/a | 0.0% | |
First National Bank of America | $215,000 | $105,000 | -51.2% | 0.0% |
LADERA LENDING, INC. | $105,000 | n/a | 0.0% | |
VANDERBILT MORTGAGE AND FINANCE, INC. | $45,000 | $95,000 | 111.1% | 0.0% |
MUTUAL OF OMAHA MORTGAGE, INC. | $780,000 | $85,000 | -89.1% | 0.0% |
MYPOINT Credit Union | $75,000 | n/a | 0.0% | |
TOGETHER CREDIT UNION | $75,000 | n/a | 0.0% | |
CERTIFIED | $65,000 | n/a | 0.0% | |
Farmers Bank & Trust | $65,000 | n/a | 0.0% | |
THRIVENT Federal Credit Union | $65,000 | n/a | 0.0% | |
Bethpage Federal Credit Union | $55,000 | n/a | 0.0% | |
BMO Harris Bank | $55,000 | n/a | 0.0% | |
AMERICAN FIRST | $45,000 | n/a | 0.0% | |
PLANET HOME LENDING, LLC | $1,505,000 | $45,000 | -97.0% | 0.0% |
CORPORATE AMERICA FAMILY | $25,000 | n/a | 0.0% |
EL CENTRO's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 16.7% market share. In second place, with 10.5%, is Citibank, having originated $41,660,000 in loans. In third place, with 7.5%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $29,685,000 in loans. In fourth place, with 6.3%, is Wallick & Volk, Inc., having originated $24,910,000 in loans. In fifth place, with 5.0%, is QUICKEN LOANS, LLC, having originated $20,045,000 in loans.
EL CENTRO Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - EL CENTRO (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $238,700 (-4.3%) | $249,643 (-0.2%) | 0.00 | 237 |
2018-02-01 | $239,950 (-2.5%) | $248,504 (0.1%) | 0.00 | 243 |
2018-03-01 | $239,900 (1.5%) | $244,073 (-1.7%) | 0.00 | 242 |
2018-04-01 | $244,950 (0.8%) | $249,089 (-0.6%) | 0.00 | 238 |
2018-05-01 | $241,750 (-4.1%) | $245,165 (-5.3%) | 0.00 | 251 |
2018-06-01 | $240,000 (-4.8%) | $244,761 (-4.0%) | 0.00 | 241 |
2018-07-01 | $240,975 (-5.5%) | $246,318 (-3.3%) | 0.00 | 248 |
2018-08-01 | $247,475 (-3.8%) | $251,557 (-1.0%) | 0.00 | 241 |
2018-09-01 | $256,000 (0.4%) | $252,601 (0.5%) | 0.00 | 265 |
2018-10-01 | $258,160 (2.9%) | $251,016 (-0.8%) | 0.00 | 262 |
2018-11-01 | $249,000 (0.5%) | $248,258 (-1.0%) | 0.00 | 260 |
2018-12-01 | $249,000 (3.8%) | $247,185 (-1.7%) | 0.00 | 242 |
2019-01-01 | $248,000 (3.9%) | $244,555 (-2.0%) | 0.00 | 224 |
2019-02-01 | $241,250 (0.5%) | $241,688 (-2.7%) | 0.00 | 232 |
2019-03-01 | $241,500 (0.7%) | $241,708 (-1.0%) | 0.00 | 216 |
2019-04-01 | $242,000 (-1.2%) | $240,689 (-3.4%) | 0.00 | 211 |
2019-05-01 | $259,933 (7.5%) | $255,069 (4.0%) | 0.00 | 198 |
2019-06-01 | $269,995 (12.5%) | $274,995 (12.4%) | 0.00 | 191 |
2019-07-01 | $261,725 (8.6%) | $272,610 (10.7%) | 0.00 | 169 |
2019-08-01 | $253,795 (2.6%) | $270,441 (7.5%) | 0.00 | 167 |
2019-09-01 | $253,863 (-0.8%) | $268,014 (6.1%) | 0.00 | 165 |
2019-10-01 | $253,908 (-1.7%) | $266,395 (6.1%) | 0.00 | 168 |
2019-11-01 | $259,700 (4.3%) | $278,483 (12.2%) | 0.00 | 177 |
2019-12-01 | $269,700 (8.3%) | $284,497 (15.1%) | 0.00 | 178 |
2020-01-01 | $262,475 (5.8%) | $271,866 (11.2%) | 0.00 | 180 |
2020-02-01 | $254,990 (5.7%) | $270,577 (12.0%) | 0.00 | 182 |
2020-03-01 | $261,400 (8.2%) | $274,362 (13.5%) | 0.00 | 164 |
2020-04-01 | $259,900 (7.4%) | $273,257 (13.5%) | 0.00 | 164 |
2020-05-01 | $255,000 (-1.9%) | $268,424 (5.2%) | 0.00 | 141 |
2020-06-01 | $249,950 (-7.4%) | $265,199 (-3.6%) | 0.00 | 132 |
2020-07-01 | $250,000 (-4.5%) | $266,961 (-2.1%) | 0.00 | 115 |
2020-08-01 | $249,900 (-1.5%) | $261,151 (-3.4%) | 0.00 | 112 |
2020-09-01 | $239,925 (-5.5%) | $254,723 (-5.0%) | 0.00 | 112 |
2020-10-01 | $239,900 (-5.5%) | $288,578 (8.3%) | 0.00 | 108 |
2020-11-01 | $264,723 (1.9%) | $304,545 (9.4%) | 0.00 | 112 |
2020-12-01 | $238,175 (-11.7%) | $301,338 (5.9%) | 0.00 | 106 |
2021-01-01 | $239,900 (-8.6%) | $314,771 (15.8%) | 0.00 | 97 |
2021-02-01 | $234,900 (-7.9%) | $322,005 (19.0%) | 0.00 | 70 |
2021-03-01 | $237,200 (-9.3%) | $336,158 (22.5%) | 0.00 | 69 |
2021-04-01 | $282,500 (8.7%) | $351,280 (28.6%) | 0.00 | 75 |
2021-05-01 | $280,000 (9.8%) | $334,692 (24.7%) | 0.00 | 73 |
2021-06-01 | $292,000 (16.8%) | $345,539 (30.3%) | 0.00 | 69 |
2021-07-01 | $280,000 (12.0%) | $336,701 (26.1%) | 0.00 | 85 |
2021-08-01 | $283,750 (13.6%) | $327,634 (25.5%) | 0.00 | 99 |
2021-09-01 | $276,000 (15.0%) | $324,671 (27.5%) | 0.00 | 100 |
2021-10-01 | $265,000 (10.5%) | $320,808 (11.2%) | 0.00 | 91 |
2021-11-01 | $274,875 (3.8%) | $325,575 (6.9%) | 0.00 | 93 |
2021-12-01 | $297,225 (24.8%) | $338,165 (12.2%) | 0.00 | 81 |
2022-01-01 | $274,850 (14.6%) | $300,571 (-4.5%) | 0.00 | 61 |
2022-02-01 | $289,000 (23.0%) | $311,928 (-3.1%) | 0.00 | 67 |
2022-03-01 | $329,000 (38.7%) | $336,029 (0.0%) | 0.00 | 70 |
2022-04-01 | $329,000 (16.5%) | $335,972 (-4.4%) | 0.00 | 79 |
2022-05-01 | $329,000 (17.5%) | $327,937 (-2.0%) | 0.00 | 75 |
2022-06-01 | $329,000 (12.7%) | $334,826 (-3.1%) | 0.00 | 90 |
2022-07-01 | $359,900 (28.5%) | $369,062 (9.6%) | 0.00 | 112 |
2022-08-01 | $359,900 (26.8%) | $371,451 (13.4%) | 0.00 | 144 |
2022-09-01 | $359,900 (30.4%) | $376,257 (15.9%) | 0.00 | 151 |
2022-10-01 | $350,000 (32.1%) | $371,226 (15.7%) | 0.00 | 174 |
2022-11-01 | $342,975 (24.8%) | $353,394 (8.5%) | 0.00 | 192 |
2022-12-01 | $334,975 (12.7%) | $351,080 (3.8%) | 0.00 | 183 |
2023-01-01 | $344,225 (25.2%) | $358,965 (19.4%) | 0.00 | 160 |
2023-02-01 | $349,000 (20.8%) | $361,727 (16.0%) | 0.00 | 127 |
2023-03-01 | $345,975 (5.2%) | $362,487 (7.9%) | 0.00 | 117 |
2023-04-01 | $354,950 (7.9%) | $368,541 (9.7%) | 0.00 | 105 |
2023-05-01 | $359,900 (9.4%) | $375,673 (14.6%) | 0.00 | 104 |
2023-06-01 | $359,925 (9.4%) | $382,376 (14.2%) | 0.00 | 98 |
2023-07-01 | $359,900 (0.0%) | $380,881 (3.2%) | 0.00 | 98 |
2023-08-01 | $359,970 (0.0%) | $368,001 (-0.9%) | 0.00 | 109 |
2023-09-01 | $359,900 (0.0%) | $368,636 (-2.0%) | 0.00 | 108 |
2023-10-01 | $358,675 (2.5%) | $371,120 (0.0%) | 0.00 | 121 |
2023-11-01 | $348,000 (1.5%) | $360,024 (1.9%) | 0.00 | 124 |
2023-12-01 | $357,450 (6.7%) | $368,605 (5.0%) | 0.00 | 112 |
2024-01-01 | $353,750 (2.8%) | $367,351 (2.3%) | 0.00 | 103 |
2024-02-01 | $359,900 (3.1%) | $375,088 (3.7%) | 0.00 | 115 |
2024-03-01 | $359,900 (4.0%) | $374,790 (3.4%) | 0.00 | 99 |
2024-04-01 | $359,900 (1.4%) | $380,262 (3.2%) | 0.00 | 104 |
2024-05-01 | $359,900 (0.0%) | $380,546 (1.3%) | 0.00 | 111 |
2024-06-01 | $359,900 (0.0%) | $385,690 (0.9%) | 0.00 | 104 |
2024-07-01 | $371,500 (3.2%) | $398,280 (4.6%) | 0.00 | 108 |
2024-08-01 | $385,000 (7.0%) | $414,619 (12.7%) | 0.00 | 117 |
2024-09-01 | $360,975 (0.3%) | $397,268 (7.8%) | 0.00 | 127 |
EL CENTRO's median listing price comes in at 0% of the national average.
EL CENTRO's average listing price for 2024-09-01 was $397,268, a difference of $28,632 (7.8%) versus the prior year and $-17,351 versus the prior month.
For the 2024-09-01 period, EL CENTRO had 127 MLS listings, a difference of 10 listings (9%) versus the prior month and 19 listings (18%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - EL CENTRO (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,706 sqft |
2018-02-01 | 0 days | 1,685 sqft |
2018-03-01 | 0 days | 1,690 sqft |
2018-04-01 | 0 days | 1,712 sqft |
2018-05-01 | 0 days | 1,685 sqft |
2018-06-01 | 0 days | 1,630 sqft |
2018-07-01 | 0 days | 1,618 sqft |
2018-08-01 | 0 days | 1,730 sqft |
2018-09-01 | 0 days | 1,733 sqft |
2018-10-01 | 0 days | 1,703 sqft |
2018-11-01 | 0 days | 1,669 sqft |
2018-12-01 | 0 days | 1,630 sqft |
2019-01-01 | 0 days | 1,647 sqft |
2019-02-01 | 0 days | 1,608 sqft |
2019-03-01 | 0 days | 1,573 sqft |
2019-04-01 | 0 days | 1,597 sqft |
2019-05-01 | 0 days | 1,699 sqft |
2019-06-01 | 0 days | 1,771 sqft |
2019-07-01 | 0 days | 1,705 sqft |
2019-08-01 | 0 days | 1,623 sqft |
2019-09-01 | 0 days | 1,610 sqft |
2019-10-01 | 0 days | 1,600 sqft |
2019-11-01 | 0 days | 1,631 sqft |
2019-12-01 | 0 days | 1,673 sqft |
2020-01-01 | 0 days | 1,607 sqft |
2020-02-01 | 0 days | 1,617 sqft |
2020-03-01 | 0 days | 1,661 sqft |
2020-04-01 | 0 days | 1,615 sqft |
2020-05-01 | 0 days | 1,578 sqft |
2020-06-01 | 0 days | 1,560 sqft |
2020-07-01 | 0 days | 1,576 sqft |
2020-08-01 | 0 days | 1,560 sqft |
2020-09-01 | 0 days | 1,562 sqft |
2020-10-01 | 0 days | 1,560 sqft |
2020-11-01 | 0 days | 1,690 sqft |
2020-12-01 | 0 days | 1,560 sqft |
2021-01-01 | 0 days | 1,569 sqft |
2021-02-01 | 0 days | 1,560 sqft |
2021-03-01 | 0 days | 1,560 sqft |
2021-04-01 | 0 days | 1,693 sqft |
2021-05-01 | 0 days | 1,695 sqft |
2021-06-01 | 0 days | 1,695 sqft |
2021-07-01 | 0 days | 1,695 sqft |
2021-08-01 | 0 days | 1,677 sqft |
2021-09-01 | 0 days | 1,601 sqft |
2021-10-01 | 0 days | 1,600 sqft |
2021-11-01 | 0 days | 1,592 sqft |
2021-12-01 | 0 days | 1,656 sqft |
2022-01-01 | 0 days | 1,556 sqft |
2022-02-01 | 0 days | 1,560 sqft |
2022-03-01 | 0 days | 1,570 sqft |
2022-04-01 | 0 days | 1,596 sqft |
2022-05-01 | 0 days | 1,560 sqft |
2022-06-01 | 0 days | 1,602 sqft |
2022-07-01 | 0 days | 1,690 sqft |
2022-08-01 | 0 days | 1,693 sqft |
2022-09-01 | 0 days | 1,695 sqft |
2022-10-01 | 0 days | 1,671 sqft |
2022-11-01 | 0 days | 1,596 sqft |
2022-12-01 | 0 days | 1,624 sqft |
2023-01-01 | 0 days | 1,644 sqft |
2023-02-01 | 0 days | 1,669 sqft |
2023-03-01 | 0 days | 1,694 sqft |
2023-04-01 | 0 days | 1,695 sqft |
2023-05-01 | 0 days | 1,695 sqft |
2023-06-01 | 0 days | 1,695 sqft |
2023-07-01 | 0 days | 1,695 sqft |
2023-08-01 | 0 days | 1,695 sqft |
2023-09-01 | 0 days | 1,695 sqft |
2023-10-01 | 0 days | 1,630 sqft |
2023-11-01 | 0 days | 1,562 sqft |
2023-12-01 | 0 days | 1,560 sqft |
2024-01-01 | 0 days | 1,555 sqft |
2024-02-01 | 0 days | 1,560 sqft |
2024-03-01 | 0 days | 1,600 sqft |
2024-04-01 | 0 days | 1,607 sqft |
2024-05-01 | 0 days | 1,568 sqft |
2024-06-01 | 0 days | 1,580 sqft |
2024-07-01 | 0 days | 1,628 sqft |
2024-08-01 | 0 days | 1,673 sqft |
2024-09-01 | 0 days | 1,599 sqft |
EL CENTRO's median square footage for active listings during the 2024-09-01 period was 1,599 sqft. One year prior, the average listing was 1,695 sqft.
EL CENTRO, CA Average Rent (2023)
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Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
---|---|---|---|---|---|---|
92004 | El Centro, CA MSA | $900 | $1,000 | $1,280 | $1,780 | $2,170 |
92222 | El Centro, CA MSA | $780 | $910 | $1,160 | $1,610 | $1,960 |
92225 | El Centro, CA MSA | $960 | $1,090 | $1,360 | $1,860 | $2,290 |
92227 | El Centro, CA MSA | $760 | $880 | $1,130 | $1,570 | $1,910 |
92231 | El Centro, CA MSA | $820 | $960 | $1,230 | $1,710 | $2,080 |
92232 | El Centro, CA MSA | $780 | $910 | $1,160 | $1,610 | $1,960 |
92233 | El Centro, CA MSA | $650 | $740 | $960 | $1,340 | $1,620 |
92243 | El Centro, CA MSA | $770 | $900 | $1,150 | $1,600 | $1,940 |
92244 | El Centro, CA MSA | $780 | $910 | $1,160 | $1,610 | $1,960 |
92249 | El Centro, CA MSA | $740 | $870 | $1,110 | $1,540 | $1,880 |
92250 | El Centro, CA MSA | $670 | $780 | $1,000 | $1,390 | $1,690 |
92251 | El Centro, CA MSA | $980 | $1,140 | $1,460 | $2,030 | $2,470 |
92257 | El Centro, CA MSA | $650 | $740 | $960 | $1,340 | $1,620 |
92259 | El Centro, CA MSA | $880 | $1,030 | $1,320 | $1,830 | $2,230 |
92266 | El Centro, CA MSA | $650 | $740 | $970 | $1,350 | $1,620 |
92273 | El Centro, CA MSA | $720 | $850 | $1,080 | $1,500 | $1,820 |
92274 | El Centro, CA MSA | $960 | $1,090 | $1,360 | $1,860 | $2,290 |
92275 | El Centro, CA MSA | $860 | $1,000 | $1,280 | $1,780 | $2,160 |
92281 | El Centro, CA MSA | $730 | $850 | $1,090 | $1,520 | $1,840 |
92283 | El Centro, CA MSA | $650 | $740 | $960 | $1,340 | $1,620 |
2022 Average & Median Rent Data Statistics
EL CENTRO, CA average 1BR rent: $907, median: $905
EL CENTRO, CA average 2BR rent: $1,159, median: $1,155
EL CENTRO, CA average 3BR rent: $1,609, median: $1,605
EL CENTRO, CA Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 857 | $314,215,000 | $366,645 |
Cash Out Refi | 258 | $55,660,000 | $215,736 |
Other | 96 | $8,420,000 | $87,708 |
Home Improvement | 62 | $5,640,000 | $90,968 |
Refi | 48 | $13,920,000 | $290,000 |
El Centro's most frequently cited loan purpose was Home Purchase, with 857 originations. The 2nd most popular reason was Cash Out Refi, with 258 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
6-7% | 496 | $175,090,000 | $353,004 |
5-6% | 276 | $85,440,000 | $309,565 |
7-8% | 228 | $102,380,000 | $449,035 |
Over 8% | 196 | $23,230,000 | $118,520 |
<2.5% | 96 | $4,010,000 | $41,771 |
4-5% | 23 | $6,525,000 | $283,696 |
3-4% | 3 | $735,000 | $245,000 |
2.5-3% | 2 | $430,000 | $215,000 |
During 2023, El Centro's most frequently originated rate bucket was 6-7%, with 496 originations.
Loan Sizing (EL CENTRO, CA MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$200k-400k | 686 | $207,720,000 | $302,799 |
$100,000 or less | 269 | $11,195,000 | $41,617 |
$100k-200k | 202 | $30,250,000 | $149,752 |
$400k-600k | 149 | $66,985,000 | $449,564 |
$Over $1MM | 8 | $76,870,000 | $9,608,750 |
$600k-1000k | 7 | $4,835,000 | $690,714 |
EL CENTRO's loan sizing saw the bucket of loans from $200k-400k with 686 originations, totaling $207,720,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 645 | $216,255,000 | $335,279 |
60-80% | 226 | $61,250,000 | $271,018 |
Under 20% | 225 | $16,945,000 | $75,311 |
20-40% | 103 | $23,235,000 | $225,583 |
40-60% | 96 | $68,590,000 | $714,479 |
Over 100% | 20 | $10,300,000 | $515,000 |
EL CENTRO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 645 originations, totaling $216,255,000 in origination value.