Eureka - Arcata Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Eureka - Arcata averaged 6.83% 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 6.96% and one month ago for the week of 2025-05-15, the average rate was 6.93%.

Eureka - Arcata's average rate one year ago was 7.07%.

For refis of the same type during the week of 2025-06-18, the average rate was 6.91%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Eureka - Arcata 30 Year Fixed Rate 2025-06-18 6.83%
Eureka - Arcata 30 Year Fixed Rate Refi 2025-06-18 6.91%
Eureka - Arcata 15 Year Fixed Rate 2025-06-18 6.06%
Eureka - Arcata 15 Year Fixed Rate Refi 2025-06-18 5.96%
Eureka - Arcata 30 Year FHA 2025-06-18 -0.5%
Eureka - Arcata 30 Year FHA Refi 2025-06-18 -0.2%
Eureka - Arcata 30 Year USDA 2025-06-18 -0.2%
Eureka - Arcata 30 Year USDA Refi 2025-06-18 0%
Eureka - Arcata 30 Year VA 2025-06-18 -0.2%
Eureka - Arcata 30 Year VA Refi 2025-06-18 0%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Eureka-Arcata, CA.

Eureka - Arcata 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 Eureka-Arcata, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 96 6.81% $9,752
UNITED WHOLESALE MORTGAGE, LLC 93 6.66% $8,619
American Mortgage & Equity Consultants, Inc. 59 6.94% $8,691
QUICKEN LOANS, LLC 45 6.68% $7,494
Florida Capital Bank 29 6.76% $6,782
SUMMIT FUNDING, INC. 27 6.88% $10,996
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 14 7.03% $8,560
NEWREZ LLC 12 6.62% $8,250
Tri Counties Bank 11 6.52% $5,862
FIRST COLONY MORTGAGE CORPORATION 10 6.69% $8,055
Flagstar Bank, FSB 8 6.67% $8,202
U.S. Bank 7 6.66% $5,676
Umpqua Bank 6 7.02% $6,629
GUILD MORTGAGE COMPANY 6 7.25% $10,783
PENNYMAC LOAN SERVICES, LLC 6 6.83% $8,493
PROVIDENT FUNDING ASSOCIATES, L.P. 6 6.00% $7,744
LOANDEPOT.COM, LLC 5 6.75% $8,422
NEXERA HOLDING LLC 5 7.75% $13,721
Wells Fargo Bank 5 6.83% $7,233
NAVY FEDERAL CREDIT UNION 4 6.50% $3,740
GUARANTEED RATE, INC. 4 7.09% $4,664
JPMorgan Chase Bank 3 6.83% $6,426
USAA Federal Savings Bank 3 6.29% $6,454
Century Mortgage Company DBA Century Lending Company 3 7.08% $12,827
BROKER SOLUTIONS, INC. 3 7.17% $9,338
CROSSCOUNTRY MORTGAGE, LLC 3 7.03% $7,894
MOVEMENT MORTGAGE, LLC 3 7.08% $12,234
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 7.81% $9,932
Morgan Stanley Private Bank 2 6.51% $3,479
MID AMERICA MORTGAGE, INC. 2 6.25% $6,242
LENDSURE MORTGAGE CORP. 2 8.44% $12,846
ZILLOW HOME LOANS, LLC 2 6.63% $5,111
PACIFIC SERVICE 2 6.94% $3,806
Paramount Residential Mortgage Group, Inc. 2 6.13% $8,416
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 7.06% $14,843
PACIFIC RESIDENTIAL MORTGAGE, LLC 2 7.13% $7,316
EVERETT FINANCIAL, INC. 2 7.06% $15,993
AMERICAN PACIFIC MORTGAGE CORPORATION 2 7.13% $4,601
SCHOOLSFIRST 2 6.38% $2,799
Stifel Bank and Trust 2 5.94% $2,750
MORTGAGEONE, INC. 2 7.63% $8,612
ROGUE 1 6.75% $3,745
ROYAL UNITED MORTGAGE LLC 1 7.38% $3,585
Sierra Pacific Mortgage Company, Inc. 1 6.63% $10,152
ALAMEDA MORTGAGE CORPORATION 1 6.88% $15,218
Zions Bank 1 6.63% $5,986
AMERICAN FINANCING CORPORATION 1 5.99% $4,214
AMERICAN HERITAGE LENDING, INC. 1 8.00% $14,253
AMERICAN INTERNET MORTGAGE, INC. 1 6.63% $2,708
AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 6.38% $8,532
AMERITRUST MORTGAGE CORPORATION 1 9.25% $16,817
Arvest Bank 1 6.50% $4,156
AXIA FINANCIAL, LLC 1 7.13% $12,377
Bank of America 1 6.38% $5,365
Barrington Bank & Trust Company, N.A. 1 6.13% $10,349
Baxter Credit Union 1 6.00% $6,623
BETTER MORTGAGE CORPORATION 1 6.63% $4,734
CALCON MUTUAL MORTGAGE LLC 1 6.88% $13,998
CHURCHILL MORTGAGE CORPORATION 1 6.63% $4,794
CMG MORTGAGE, INC. 1 5.99% $5,067
Commerce Home Mortgage, Inc. 1 9.50% $18,054
COMMUNITY MORTGAGE FUNDING, LLC 1 6.38% $3,940
F&A Federal Credit Union 1 6.38% $3,694
First Bank 1 7.38% $4,167
FOUNDATION MORTGAGE CORPORATION 1 9.00% $9,077
Franklin Loan Corporation 1 6.88% $15,913
FUNDLOANS CAPITAL 1 9.63% $18,958
GENEVA FINANCIAL, LLC 1 6.63% $3,841
Golden Empire Mortgage, Inc. 1 6.88% $5,185
Greenbox Loans, Inc. 1 10.50% $42,964
GUARANTEED RATE AFFINITY, LLC 1 7.25% $4,569
HOMESIDE FINANCIAL, LLC 1 6.99% $24,957
HOMEXPRESS MORTGAGE CORP. 1 7.50% $10,061
LEADERONE FINANCIAL CORPORATION 1 6.50% $7,337
MASON MCDUFFIE MORTGAGE CORPORATION 1 7.50% $14,413
MISSION 1 7.38% $9,250
MORTGAGE CAPITAL PARTNERS, INC. 1 6.99% $5,456
NATIONS DIRECT MORTGAGE, LLC 1 7.13% $4,851
NBKC BANK 1 6.63% $1,562
NFM, INC. 1 6.63% $12,100
Northpointe Bank 1 6.50% $3,137
PHH Mortgage Corporation 1 7.00% $5,658
PLANET HOME LENDING, LLC 1 6.63% $5,347
PLAZA HOME MORTGAGE, INC. 1 6.13% $9,733
REDWOOD 1 6.50% $4,612
RESIDENTIAL BANCORP 1 9.88% $11,294

Eureka - Arcata Average Closing Costs & Other Stats

Eureka-Arcata, CA's 86 lenders originated 1,125 loans during 2024. The total origination value was $325,405,000, with an average loan value of $289,249.

Eureka - Arcata's average closing costs are $6,384.

The top Eureka - Arcata lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 96 loans originated. Their average total fees are $9,752, which is $1,133 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Eureka - Arcata lenders (with over 10 loans originated) are Tri Counties Bank ($5,862), Florida Capital Bank ($6,782), QUICKEN LOANS, LLC ($7,494), FIRST COLONY MORTGAGE CORPORATION ($8,055) and NEWREZ LLC ($8,250).

The lowest rate Eureka - Arcata lenders (with over 10 loans originated) are Tri Counties Bank (6.52%), NEWREZ LLC (6.62%), UNITED WHOLESALE MORTGAGE, LLC (6.66%), QUICKEN LOANS, LLC (6.68%) and FIRST COLONY MORTGAGE CORPORATION (6.69%).

Eureka-Arcata, 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
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $13,470,000 $49,270,000 265.8% 15.1%
UNITED WHOLESALE MORTGAGE, LLC $45,545,000 $46,955,000 3.1% 14.4%
American Mortgage & Equity Consultants, Inc. $29,145,000 $27,095,000 -7.0% 8.3%
QUICKEN LOANS, LLC $20,390,000 $24,430,000 19.8% 7.5%
SUMMIT FUNDING, INC. $21,155,000 $18,395,000 -13.0% 5.7%
Florida Capital Bank $14,130,000 $15,750,000 11.5% 4.8%
Umpqua Bank $10,250,000 $8,985,000 -12.3% 2.8%
FIRST COLONY MORTGAGE CORPORATION $7,055,000 n/a 2.2%
NEWREZ LLC $1,215,000 $6,755,000 456.0% 2.1%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $6,870,000 $6,465,000 -5.9% 2.0%
PENNYMAC LOAN SERVICES, LLC $2,820,000 $5,600,000 98.6% 1.7%
Flagstar Bank, FSB $1,375,000 $4,770,000 246.9% 1.5%
GUILD MORTGAGE COMPANY $810,000 $4,120,000 408.6% 1.3%
U.S. Bank $5,800,000 $4,065,000 -29.9% 1.2%
Tri Counties Bank $6,545,000 $4,020,000 -38.6% 1.2%
Mortgage Research Center, LLC $2,960,000 $3,340,000 12.8% 1.0%
BROKER SOLUTIONS, INC. $2,935,000 $3,165,000 7.8% 1.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,985,000 $2,510,000 26.4% 0.8%
LOANDEPOT.COM, LLC $1,725,000 $2,455,000 42.3% 0.8%
MID AMERICA MORTGAGE, INC. $1,200,000 $2,075,000 72.9% 0.6%
GUARANTEED RATE, INC. $620,000 $2,045,000 229.8% 0.6%
NEXERA HOLDING LLC $265,000 $1,985,000 649.1% 0.6%
NAVY FEDERAL CREDIT UNION $820,000 $1,965,000 139.6% 0.6%
CROSSCOUNTRY MORTGAGE, LLC $1,880,000 $1,910,000 1.6% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $1,410,000 $1,845,000 30.9% 0.6%
Century Mortgage Company DBA Century Lending Company $1,780,000 n/a 0.5%
Wells Fargo Bank $6,360,000 $1,765,000 -72.2% 0.5%
PLAZA HOME MORTGAGE, INC. $1,570,000 $1,670,000 6.4% 0.5%
FREEDOM MORTGAGE CORPORATION $1,065,000 $1,450,000 36.2% 0.4%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,020,000 $1,420,000 39.2% 0.4%
Bank of America $2,495,000 $1,415,000 -43.3% 0.4%
JPMorgan Chase Bank $3,120,000 $1,380,000 -55.8% 0.4%
MOVEMENT MORTGAGE, LLC $625,000 $1,375,000 120.0% 0.4%
USAA Federal Savings Bank $705,000 $1,350,000 91.5% 0.4%
FINANCE OF AMERICA REVERSE LLC $1,075,000 $1,265,000 17.7% 0.4%
Figure Lending LLC $690,000 $1,160,000 68.1% 0.4%
PHH Mortgage Corporation $405,000 $1,130,000 179.0% 0.3%
Paramount Residential Mortgage Group, Inc. $17,680,000 $1,080,000 -93.9% 0.3%
ANGEL OAK MORTGAGE SOLUTIONS LLC $840,000 $1,015,000 20.8% 0.3%
Sierra Pacific Mortgage Company, Inc. $2,750,000 $995,000 -63.8% 0.3%
PACIFIC SERVICE $140,000 $955,000 582.1% 0.3%
SCHOOLSFIRST $670,000 $950,000 41.8% 0.3%
LAKEVIEW LOAN SERVICING, LLC $935,000 n/a 0.3%
AMERICAN PACIFIC MORTGAGE CORPORATION $1,680,000 $925,000 -44.9% 0.3%
Greenbox Loans, Inc. $925,000 n/a 0.3%
Morgan Stanley Private Bank $2,145,000 $910,000 -57.6% 0.3%
Golden Empire Mortgage, Inc. $315,000 $850,000 169.8% 0.3%
PLANET HOME LENDING, LLC $385,000 $850,000 120.8% 0.3%
ALLIANT CREDIT UNION $920,000 $775,000 -15.8% 0.2%
HOMEOWNERS FINANCIAL GROUP USA, LLC $740,000 n/a 0.2%
HOMEXPRESS MORTGAGE CORP. $620,000 $740,000 19.4% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $700,000 n/a 0.2%
AMWEST FUNDING CORP. $695,000 n/a 0.2%
Magnolia Bank $375,000 $680,000 81.3% 0.2%
ZILLOW HOME LOANS, LLC $475,000 $680,000 43.2% 0.2%
EVERETT FINANCIAL, INC. $670,000 n/a 0.2%
BETTER MORTGAGE CORPORATION $650,000 $665,000 2.3% 0.2%
AMERICAN HERITAGE LENDING, INC. $325,000 $660,000 103.1% 0.2%
AMERITRUST MORTGAGE CORPORATION $660,000 n/a 0.2%
HOMESIDE FINANCIAL, LLC $655,000 n/a 0.2%
Discover Bank $755,000 $640,000 -15.2% 0.2%
LENDSURE MORTGAGE CORP. $720,000 $640,000 -11.1% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $105,000 $595,000 466.7% 0.2%
MORTGAGEONE, INC. $450,000 $590,000 31.1% 0.2%
TOP FLITE FINANCIAL, INC. $255,000 $580,000 127.5% 0.2%
ALAMEDA MORTGAGE CORPORATION $565,000 n/a 0.2%
21ST MORTGAGE CORPORATION $1,525,000 $545,000 -64.3% 0.2%
CMG MORTGAGE, INC. $1,550,000 $545,000 -64.8% 0.2%
FUNDLOANS CAPITAL $545,000 n/a 0.2%
The Loan Store, Inc. $155,000 $525,000 238.7% 0.2%
Comerica Bank $505,000 n/a 0.2%
GENEVA FINANCIAL, LLC $505,000 $505,000 0.0% 0.2%
LENDINGHOME FUNDING CORPORATION $540,000 $500,000 -7.4% 0.2%
AMERICAN INTERNET MORTGAGE, INC. $495,000 n/a 0.2%
GMFS LLC $490,000 n/a 0.2%
NFM, INC. $485,000 n/a 0.1%
RESIDENTIAL BANCORP $1,740,000 $460,000 -73.6% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $215,000 $450,000 109.3% 0.1%
PACIFIC RESIDENTIAL MORTGAGE, LLC $385,000 $450,000 16.9% 0.1%
MORTGAGE ACCESS CORP. $435,000 $445,000 2.3% 0.1%
Stifel Bank and Trust $440,000 n/a 0.1%
Franklin Loan Corporation $435,000 n/a 0.1%
MISSION $435,000 n/a 0.1%
NBKC BANK $445,000 $425,000 -4.5% 0.1%
NEW DAY FINANCIAL, LLC $225,000 $425,000 88.9% 0.1%
ATLANTA POSTAL $415,000 n/a 0.1%
MACKILLIE INCORPORATED $410,000 n/a 0.1%
Northpointe Bank $565,000 $405,000 -28.3% 0.1%
MEMBER FIRST MORTGAGE, LLC $395,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $895,000 $390,000 -56.4% 0.1%
Equity Prime Mortgage LLC $385,000 n/a 0.1%
Farm Credit Mid-America, ACA $385,000 n/a 0.1%
Commerce Home Mortgage, Inc. $1,520,000 $375,000 -75.3% 0.1%
LEADERONE FINANCIAL CORPORATION $375,000 n/a 0.1%
AmeriHome Mortgage Company, LLC $365,000 n/a 0.1%
FOUNDATION MORTGAGE CORPORATION $505,000 $365,000 -27.7% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $205,000 $365,000 78.0% 0.1%
NATIONS DIRECT MORTGAGE, LLC $355,000 n/a 0.1%
F&A Federal Credit Union $345,000 n/a 0.1%
HomeTrust Bank $300,000 $345,000 15.0% 0.1%
MORTGAGE CAPITAL PARTNERS, INC. $345,000 n/a 0.1%
STANFORD Federal Credit Union $55,000 $335,000 509.1% 0.1%
First Bank $325,000 n/a 0.1%
MASON MCDUFFIE MORTGAGE CORPORATION $910,000 $325,000 -64.3% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $365,000 $325,000 -11.0% 0.1%
AMERISAVE MORTGAGE CORPORATION $1,770,000 $320,000 -81.9% 0.1%
AXIA FINANCIAL, LLC $315,000 n/a 0.1%
LOANPAL, LLC $305,000 n/a 0.1%
Coastal Community Bank $60,000 $300,000 400.0% 0.1%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $295,000 n/a 0.1%
THE GOLDEN 1 $375,000 $290,000 -22.7% 0.1%
Baxter Credit Union $335,000 $285,000 -14.9% 0.1%
BMO Harris Bank $1,065,000 $285,000 -73.2% 0.1%
CALCON MUTUAL MORTGAGE LLC $305,000 $285,000 -6.6% 0.1%
LADERA LENDING, INC. $285,000 n/a 0.1%
NETWORK CAPITAL FUNDING CORPORATION $275,000 n/a 0.1%
VELOCITY COMMERCIAL CAPITAL, LLC $750,000 $275,000 -63.3% 0.1%
Arvest Bank $265,000 n/a 0.1%
VILLAGE CAPITAL MORTGAGE $415,000 $265,000 -36.1% 0.1%
Zions Bank $255,000 n/a 0.1%
Bank-Fund Staff Federal Credit Union $245,000 n/a 0.1%
SAN FRANCISCO FIRE CREDIT UNION $245,000 n/a 0.1%
Third Federal Savings and Loan Association of Cleveland $140,000 $245,000 75.0% 0.1%
AMERICAN FINANCING CORPORATION $240,000 n/a 0.1%
GTE Federal Credit Union $240,000 n/a 0.1%
Carrington Mortgage Services, LLC $245,000 $230,000 -6.1% 0.1%
CLEARPATH LENDING $225,000 n/a 0.1%
COMMUNITY MORTGAGE FUNDING, LLC $155,000 $215,000 38.7% 0.1%
FAY SERVICING, LLC $215,000 n/a 0.1%
RF Renovo Management Company, LLC $215,000 n/a 0.1%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $215,000 n/a 0.1%
Bethpage Federal Credit Union $205,000 n/a 0.1%
CHEVRON $205,000 n/a 0.1%
Provident Credit Union $210,000 $205,000 -2.4% 0.1%
PNC Bank $1,625,000 $200,000 -87.7% 0.1%
ROGUE $200,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $165,000 $195,000 18.2% 0.1%
GUARANTEED RATE AFFINITY, LLC $195,000 n/a 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $150,000 $190,000 26.7% 0.1%
Barrington Bank & Trust Company, N.A. $185,000 n/a 0.1%
OCMBC, INC. $920,000 $155,000 -83.2% 0.0%
REDWOOD $1,495,000 $150,000 -90.0% 0.0%
HighTechLending Inc $135,000 n/a 0.0%
VAL-CHRIS INVESTMENTS, INC. $195,000 $135,000 -30.8% 0.0%
SPRING EQ, LLC $110,000 $120,000 9.1% 0.0%
GEORGIA'S OWN $105,000 n/a 0.0%
San Joaquin Power Employees Credit Union $95,000 n/a 0.0%
Alaska USA Federal Credit Union $85,000 n/a 0.0%
DEEPHAVEN MORTGAGE LLC $85,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $215,000 $55,000 -74.4% 0.0%

Eureka - Arcata's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 15.1% market share. In second place, with 14.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $46,955,000 in loans. In third place, with 8.3%, is American Mortgage & Equity Consultants, Inc., having originated $27,095,000 in loans. In fourth place, with 7.5%, is QUICKEN LOANS, LLC, having originated $24,430,000 in loans. In fifth place, with 5.7%, is SUMMIT FUNDING, INC., having originated $18,395,000 in loans.

Eureka-Arcata, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 681 $236,945,000 $347,937
Cash Out Refi 179 $40,155,000 $224,330
Refi 111 $31,725,000 $285,811
Other 85 $10,245,000 $120,529
Home Improvement 69 $6,335,000 $91,812

Eureka - Arcata's most frequently cited loan purpose was Home Purchase, with 681 originations. The 2nd most popular reason was Cash Out Refi, with 179 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 515 $181,365,000 $352,165
Over 8% 230 $28,260,000 $122,870
7-8% 207 $64,525,000 $311,715
5-6% 140 $47,250,000 $337,500
<2.5% 17 $395,000 $23,235
4-5% 7 $2,525,000 $360,714
3-4% 3 $635,000 $211,667

During 2024, Eureka - Arcata's most frequently originated rate bucket was 6-7%, with 515 originations.

Loan Sizing (Eureka-Arcata, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 517 $156,015,000 $301,770
$400k-600k 228 $107,780,000 $472,719
$100,000 or less 190 $10,450,000 $55,000
$100k-200k 147 $21,035,000 $143,095
$600k-1000k 42 $29,120,000 $693,333
$Over $1MM 1 $1,005,000 $1,005,000

Eureka - Arcata's loan sizing saw the bucket of loans from $200k-400k with 517 originations, totaling $156,015,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 450 $173,370,000 $385,267
60-80% 226 $83,300,000 $368,584
Under 20% 182 $10,810,000 $59,396
20-40% 130 $20,490,000 $157,615
40-60% 115 $29,235,000 $254,217
Over 100% 10 $3,980,000 $398,000

Eureka - Arcata's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 450 originations, totaling $173,370,000 in origination value.