Eureka - Arcata Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Eureka - Arcata averaged 6.76% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.65% and one month ago for the week of 2024-11-07, the average rate was 6.85%.

    Eureka - Arcata's average rate one year ago was 6.99%.

    For refis of the same type during the week of 2024-12-12, the average rate was 6.8%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Eureka - Arcata 30 Year Fixed Rate 2024-12-12 6.76%
    Eureka - Arcata 30 Year Fixed Rate Refi 2024-12-12 6.8%
    Eureka - Arcata 15 Year Fixed Rate 2024-12-12 5.94%
    Eureka - Arcata 15 Year Fixed Rate Refi 2024-12-12 6.34%
    Eureka - Arcata 30 Year FHA 2024-12-12 5.8%
    Eureka - Arcata 30 Year FHA Refi 2024-12-12 6.48%
    Eureka - Arcata 30 Year USDA 2024-12-12 6.1%
    Eureka - Arcata 30 Year USDA Refi 2024-12-12 6.3%
    Eureka - Arcata 30 Year VA 2024-12-12 5.88%
    Eureka - Arcata 30 Year VA Refi 2024-12-12 5.98%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 84 6.77% $8,576
    American Mortgage & Equity Consultants, Inc. 60 6.90% $9,941
    SUMMIT FUNDING, INC. 49 7.04% $11,324
    QUICKEN LOANS, LLC 43 6.61% $8,902
    Florida Capital Bank 37 6.94% $7,232
    Paramount Residential Mortgage Group, Inc. 30 6.70% $9,142
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 29 6.85% $8,778
    Tri Counties Bank 17 6.41% $5,628
    ACADEMY MORTGAGE CORPORATION 15 6.98% $7,334
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 12 6.75% $8,973
    U.S. Bank 8 6.77% $5,166
    BROKER SOLUTIONS, INC. 7 6.85% $10,528
    PROVIDENT FUNDING ASSOCIATES, L.P. 7 6.95% $4,304
    JPMorgan Chase Bank 6 6.56% $6,866
    Bank of America 6 6.50% $5,780
    Wells Fargo Bank 4 7.00% $5,629
    AMERISAVE MORTGAGE CORPORATION 4 5.81% $8,815
    CROSSCOUNTRY MORTGAGE, LLC 4 6.73% $9,428
    LOANDEPOT.COM, LLC 4 7.59% $8,436
    PENNYMAC LOAN SERVICES, LLC 4 6.97% $9,864
    PLAZA HOME MORTGAGE, INC. 4 7.88% $10,981
    RESIDENTIAL BANCORP 4 8.56% $11,607
    Umpqua Bank 4 7.16% $10,978
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 7.42% $10,380
    OCMBC, INC. 3 4.25% $10,042
    GUILD MORTGAGE COMPANY 3 6.66% $8,642
    Flagstar Bank, FSB 3 6.42% $5,157
    Morgan Stanley Private Bank 3 5.78% $4,619
    UBS Bank USA 2 5.94% $3,581
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 7.19% $13,659
    CMG MORTGAGE, INC. 2 5.94% $7,321
    Mr. Cooper ( Nationstar Mortgage ) 2 6.38% $10,279
    KINECTA 2 6.44% $10,050
    REDWOOD 2 7.88% $3,597
    NAVY FEDERAL CREDIT UNION 2 6.56% $2,611
    MASON MCDUFFIE MORTGAGE CORPORATION 2 7.87% $8,334
    HOMEXPRESS MORTGAGE CORP. 2 8.63% $12,474
    MORTGAGEONE, INC. 2 6.69% $9,474
    PNC Bank 2 6.75% $5,428
    NEWREZ LLC 2 7.13% $6,901
    NBKC BANK 1 6.88% $3,380
    Northpointe Bank 1 7.25% $4,572
    CALIBER HOME LOANS, INC. 1 6.50% $6,062
    PHH Mortgage Corporation 1 6.88% $13,687
    Watermark Capital, Inc. 1 6.63% $4,486
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.99% $8,688
    CALCON MUTUAL MORTGAGE LLC 1 6.50% $9,241
    BMO Harris Bank 1 7.75% $6,697
    Waterstone Mortgage Corporation 1 5.99% $12,178
    ROYAL UNITED MORTGAGE LLC 1 6.25% $11,699
    S1L, Inc. 1 7.63% $8,813
    SCHOOLSFIRST 1 6.13% $2,451
    Sierra Pacific Mortgage Company, Inc. 1 6.25% $5,238
    BETTER MORTGAGE CORPORATION 1 5.50% $6,250
    THE GOLDEN 1 1 6.63% $4,049
    The Loan Store, Inc. 1 7.25% $6,839
    TOP FLITE FINANCIAL, INC. 1 7.63% $14,949
    TRAVIS CREDIT UNION 1 6.38% $5,550
    Baxter Credit Union 1 6.75% $17,883
    ADVANCIAL 1 7.13% $13,231
    COMMUNITY MORTGAGE FUNDING, LLC 1 6.38% $4,579
    ANGEL OAK MORTGAGE SOLUTIONS LLC 1 7.50% $11,768
    Citibank 1 5.00% $4,471
    CHURCHILL MORTGAGE CORPORATION 1 7.99% $8,427
    First Savings Bank 1 7.50% $4,419
    FIRST ENTERTAINMENT 1 5.63% $2,859
    CARDINAL FINANCIAL 1 5.63% $3,847
    FOUNDATION MORTGAGE CORPORATION 1 8.38% $12,950
    GENEVA FINANCIAL, LLC 1 8.00% $7,154
    GoPrime Mortgage, Inc. 1 6.62% $7,137
    GUARANTEED RATE, INC. 1 7.63% $11,925
    JMAC LENDING, INC. 1 6.99% $17,732
    CALIFORNIA CREDIT UNION 1 6.00% $3,676
    LEGEND LENDING CORPORATION 1 6.63% $13,788
    LENDSURE MORTGAGE CORP. 1 7.75% $14,655
    USAA Federal Savings Bank 1 7.13% $4,238
    MID AMERICA MORTGAGE, INC. 1 6.63% $30,474
    MORTGAGE 1 INCORPORATED 1 7.88% $12,398
    MORTGAGE ACCESS CORP. 1 7.63% $10,675
    Mortgage Research Center, LLC 1 6.75% $0
    MOVEMENT MORTGAGE, LLC 1 7.99% $4,490
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.88% $4,698

    Eureka - Arcata Average Closing Costs & Other Stats

    Eureka-Arcata, CA's 82 lenders originated 1,002 loans during 2023. The total origination value was $293,630,000, with an average loan value of $293,044.

    Eureka - Arcata's average closing costs are $6,139.

    The top Eureka - Arcata lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 84 loans originated. Their average total fees are $8,576, which is $1,366 lower than the next largest lender, American Mortgage & Equity Consultants, Inc..

    The lowest fee Eureka - Arcata lenders (with over 10 loans originated) are Tri Counties Bank ($5,628), Florida Capital Bank ($7,232), ACADEMY MORTGAGE CORPORATION ($7,334), UNITED WHOLESALE MORTGAGE, LLC ($8,576) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($8,778).

    The lowest rate Eureka - Arcata lenders (with over 10 loans originated) are Tri Counties Bank (6.41%), QUICKEN LOANS, LLC (6.61%), Paramount Residential Mortgage Group, Inc. (6.70%), EVERGREEN MONEYSOURCE MORTGAGE COMPANY (6.75%) and UNITED WHOLESALE MORTGAGE, LLC (6.77%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    UNITED WHOLESALE MORTGAGE, LLC $76,960,000 $45,545,000 -40.8% 15.5%
    American Mortgage & Equity Consultants, Inc. $29,145,000 n/a 9.9%
    SUMMIT FUNDING, INC. $25,120,000 $21,155,000 -15.8% 7.2%
    QUICKEN LOANS, LLC $41,895,000 $20,390,000 -51.3% 6.9%
    Paramount Residential Mortgage Group, Inc. $14,825,000 $17,680,000 19.3% 6.0%
    Florida Capital Bank $23,775,000 $14,130,000 -40.6% 4.8%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $39,375,000 $13,470,000 -65.8% 4.6%
    Umpqua Bank $33,265,000 $10,250,000 -69.2% 3.5%
    ACADEMY MORTGAGE CORPORATION $1,265,000 $9,190,000 626.5% 3.1%
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY $12,070,000 $6,870,000 -43.1% 2.3%
    Tri Counties Bank $15,925,000 $6,545,000 -58.9% 2.2%
    Wells Fargo Bank $10,815,000 $6,360,000 -41.2% 2.2%
    U.S. Bank $8,395,000 $5,800,000 -30.9% 2.0%
    JPMorgan Chase Bank $5,175,000 $3,120,000 -39.7% 1.1%
    Mortgage Research Center, LLC $3,805,000 $2,960,000 -22.2% 1.0%
    BROKER SOLUTIONS, INC. $3,820,000 $2,935,000 -23.2% 1.0%
    PENNYMAC LOAN SERVICES, LLC $3,090,000 $2,820,000 -8.7% 1.0%
    Sierra Pacific Mortgage Company, Inc. $1,775,000 $2,750,000 54.9% 0.9%
    Bank of America $6,095,000 $2,495,000 -59.1% 0.8%
    Morgan Stanley Private Bank $3,175,000 $2,145,000 -32.4% 0.7%
    PROVIDENT FUNDING ASSOCIATES, L.P. $1,495,000 $1,985,000 32.8% 0.7%
    CROSSCOUNTRY MORTGAGE, LLC $2,185,000 $1,880,000 -14.0% 0.6%
    AMERISAVE MORTGAGE CORPORATION $5,240,000 $1,770,000 -66.2% 0.6%
    RESIDENTIAL BANCORP $760,000 $1,740,000 128.9% 0.6%
    LOANDEPOT.COM, LLC $8,695,000 $1,725,000 -80.2% 0.6%
    AMERICAN PACIFIC MORTGAGE CORPORATION $10,280,000 $1,680,000 -83.7% 0.6%
    PNC Bank $1,440,000 $1,625,000 12.8% 0.6%
    PLAZA HOME MORTGAGE, INC. $3,555,000 $1,570,000 -55.8% 0.5%
    CMG MORTGAGE, INC. $1,550,000 n/a 0.5%
    21ST MORTGAGE CORPORATION $1,405,000 $1,525,000 8.5% 0.5%
    Commerce Home Mortgage, Inc. $3,335,000 $1,520,000 -54.4% 0.5%
    REDWOOD $460,000 $1,495,000 225.0% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $6,355,000 $1,410,000 -77.8% 0.5%
    Flagstar Bank, FSB $4,620,000 $1,375,000 -70.2% 0.5%
    NEWREZ LLC $1,845,000 $1,215,000 -34.1% 0.4%
    MID AMERICA MORTGAGE, INC. $985,000 $1,200,000 21.8% 0.4%
    KINECTA $1,180,000 n/a 0.4%
    UBS Bank USA $1,130,000 n/a 0.4%
    FINANCE OF AMERICA REVERSE LLC $195,000 $1,075,000 451.3% 0.4%
    BMO Harris Bank $665,000 $1,065,000 60.2% 0.4%
    FREEDOM MORTGAGE CORPORATION $1,615,000 $1,065,000 -34.1% 0.4%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $1,450,000 $1,020,000 -29.7% 0.3%
    Mortgage Vintage, Inc. $935,000 n/a 0.3%
    ALLIANT CREDIT UNION $250,000 $920,000 268.0% 0.3%
    OCMBC, INC. $1,095,000 $920,000 -16.0% 0.3%
    MASON MCDUFFIE MORTGAGE CORPORATION $910,000 n/a 0.3%
    TRIAD FINANCIAL SERVICES, INC. $510,000 $895,000 75.5% 0.3%
    Citibank $885,000 n/a 0.3%
    ANGEL OAK MORTGAGE SOLUTIONS LLC $305,000 $840,000 175.4% 0.3%
    NAVY FEDERAL CREDIT UNION $1,185,000 $820,000 -30.8% 0.3%
    GUILD MORTGAGE COMPANY $4,460,000 $810,000 -81.8% 0.3%
    Discover Bank $340,000 $755,000 122.1% 0.3%
    VELOCITY COMMERCIAL CAPITAL, LLC $750,000 n/a 0.3%
    LENDSURE MORTGAGE CORP. $1,010,000 $720,000 -28.7% 0.2%
    USAA Federal Savings Bank $2,640,000 $705,000 -73.3% 0.2%
    Figure Lending LLC $310,000 $690,000 122.6% 0.2%
    SCHOOLSFIRST $530,000 $670,000 26.4% 0.2%
    Hometown Equity Mortgage, LLC $665,000 n/a 0.2%
    BETTER MORTGAGE CORPORATION $3,660,000 $650,000 -82.2% 0.2%
    MOVEMENT MORTGAGE, LLC $4,505,000 $625,000 -86.1% 0.2%
    GUARANTEED RATE, INC. $2,035,000 $620,000 -69.5% 0.2%
    HOMEXPRESS MORTGAGE CORP. $3,270,000 $620,000 -81.0% 0.2%
    JMAC LENDING, INC. $365,000 $595,000 63.0% 0.2%
    Northpointe Bank $565,000 n/a 0.2%
    LENDINGHOME FUNDING CORPORATION $315,000 $540,000 71.4% 0.2%
    FIRST ENTERTAINMENT $545,000 $505,000 -7.3% 0.2%
    FOUNDATION MORTGAGE CORPORATION $505,000 n/a 0.2%
    GENEVA FINANCIAL, LLC $505,000 n/a 0.2%
    ZILLOW HOME LOANS, LLC $750,000 $475,000 -36.7% 0.2%
    MORTGAGEONE, INC. $450,000 n/a 0.2%
    NBKC BANK $505,000 $445,000 -11.9% 0.2%
    ADVANCIAL $435,000 n/a 0.1%
    MORTGAGE ACCESS CORP. $435,000 n/a 0.1%
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $425,000 n/a 0.1%
    VILLAGE CAPITAL MORTGAGE $415,000 n/a 0.1%
    FIRST U.S. COMMUNITY CREDIT UNION $410,000 n/a 0.1%
    First Savings Bank $385,000 $405,000 5.2% 0.1%
    PHH Mortgage Corporation $995,000 $405,000 -59.3% 0.1%
    LEGEND LENDING CORPORATION $385,000 n/a 0.1%
    PACIFIC RESIDENTIAL MORTGAGE, LLC $385,000 n/a 0.1%
    PLANET HOME LENDING, LLC $1,265,000 $385,000 -69.6% 0.1%
    Magnolia Bank $1,035,000 $375,000 -63.8% 0.1%
    THE GOLDEN 1 $580,000 $375,000 -35.3% 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $365,000 n/a 0.1%
    Waterstone Mortgage Corporation $395,000 $355,000 -10.1% 0.1%
    FRONTWAVE $345,000 n/a 0.1%
    Baxter Credit Union $335,000 n/a 0.1%
    AMERICAN HERITAGE LENDING, INC. $325,000 n/a 0.1%
    BAY EQUITY LLC $325,000 n/a 0.1%
    TRAVIS CREDIT UNION $1,040,000 $325,000 -68.8% 0.1%
    Golden Empire Mortgage, Inc. $315,000 n/a 0.1%
    Bank of England $305,000 n/a 0.1%
    CALCON MUTUAL MORTGAGE LLC $375,000 $305,000 -18.7% 0.1%
    MORTGAGE 1 INCORPORATED $305,000 n/a 0.1%
    S1L, Inc. $770,000 $305,000 -60.4% 0.1%
    Watermark Capital, Inc. $890,000 $305,000 -65.7% 0.1%
    HomeTrust Bank $300,000 n/a 0.1%
    NEXERA HOLDING LLC $265,000 n/a 0.1%
    TOP FLITE FINANCIAL, INC. $255,000 n/a 0.1%
    Carrington Mortgage Services, LLC $860,000 $245,000 -71.5% 0.1%
    PANORAMA MORTGAGE GROUP, LLC $230,000 n/a 0.1%
    Nations Lending Corporation $300,000 $225,000 -25.0% 0.1%
    NEW DAY FINANCIAL, LLC $2,570,000 $225,000 -91.2% 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $215,000 n/a 0.1%
    CARDINAL FINANCIAL $300,000 $215,000 -28.3% 0.1%
    ROYAL UNITED MORTGAGE LLC $75,000 $215,000 186.7% 0.1%
    Provident Credit Union $1,350,000 $210,000 -84.4% 0.1%
    CORNERSTONE HOME LENDING, INC. $375,000 $205,000 -45.3% 0.1%
    GoPrime Mortgage, Inc. $205,000 n/a 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $205,000 n/a 0.1%
    VAL-CHRIS INVESTMENTS, INC. $195,000 n/a 0.1%
    CALIFORNIA CREDIT UNION $185,000 n/a 0.1%
    First IC Corporation $185,000 n/a 0.1%
    Boeing Employees Credit Union $165,000 n/a 0.1%
    CHURCHILL MORTGAGE CORPORATION $435,000 $165,000 -62.1% 0.1%
    COMMUNITY MORTGAGE FUNDING, LLC $705,000 $155,000 -78.0% 0.1%
    The Loan Store, Inc. $155,000 n/a 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $310,000 $150,000 -51.6% 0.1%
    CALIBER HOME LOANS, INC. $59,250,000 $145,000 -99.8% 0.0%
    VANDERBILT MORTGAGE AND FINANCE, INC. $835,000 $145,000 -82.6% 0.0%
    PACIFIC SERVICE $645,000 $140,000 -78.3% 0.0%
    Third Federal Savings and Loan Association of Cleveland $585,000 $140,000 -76.1% 0.0%
    SPRING EQ, LLC $815,000 $110,000 -86.5% 0.0%
    Financial Partners Credit Union $105,000 n/a 0.0%
    MEMBERS 1ST CREDIT UNION $105,000 n/a 0.0%
    MUTUAL OF OMAHA MORTGAGE, INC. $390,000 $105,000 -73.1% 0.0%
    UNCLE Credit Union $105,000 n/a 0.0%
    STAR ONE CREDIT UNION $480,000 $100,000 -79.2% 0.0%
    Coastal Community Bank $60,000 n/a 0.0%
    PATELCO $1,610,000 $55,000 -96.6% 0.0%
    STANFORD Federal Credit Union $665,000 $55,000 -91.7% 0.0%
    NuVision Federal Credit Union $35,000 n/a 0.0%
    SAN DIEGO COUNTY CREDIT UNION $35,000 n/a 0.0%

    Eureka - Arcata's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 15.5% market share. In second place, with 9.9%, is American Mortgage & Equity Consultants, Inc., having originated $29,145,000 in loans. In third place, with 7.2%, is SUMMIT FUNDING, INC., having originated $21,155,000 in loans. In fourth place, with 6.9%, is QUICKEN LOANS, LLC, having originated $20,390,000 in loans. In fifth place, with 6.0%, is Paramount Residential Mortgage Group, Inc., having originated $17,680,000 in loans.

    Eureka - Arcata Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Eureka - Arcata (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 $425,000 (13.3%) $634,768 (6.5%) 1.58 339
    2018-02-01 $425,000 (13.0%) $627,785 (-7.4%) 1.54 357
    2018-03-01 $425,000 (7.9%) $613,023 (-0.8%) 1.49 378
    2018-04-01 $425,000 (11.2%) $590,277 (-6.7%) 1.44 386
    2018-05-01 $423,000 (6.0%) $556,441 (-23.0%) 1.41 438
    2018-06-01 $399,000 (-2.2%) $555,077 (-18.3%) 1.33 491
    2018-07-01 $395,000 (-1.2%) $548,786 (-12.1%) 1.32 491
    2018-08-01 $395,000 (1.0%) $545,156 (-3.1%) 1.32 510
    2018-09-01 $395,000 (1.4%) $541,457 (-6.1%) 1.31 508
    2018-10-01 $377,450 (-5.3%) $531,052 (-8.8%) 1.28 493
    2018-11-01 $384,500 (-3.6%) $532,036 (-7.3%) 1.30 474
    2018-12-01 $379,000 (-5.0%) $531,313 (-11.5%) 1.31 428
    2019-01-01 $376,625 (-11.4%) $526,483 (-17.1%) 1.30 375
    2019-02-01 $369,000 (-13.2%) $514,051 (-18.1%) 1.25 380
    2019-03-01 $376,607 (-11.4%) $528,396 (-13.8%) 1.23 377
    2019-04-01 $386,750 (-9.0%) $544,027 (-7.8%) 1.22 381
    2019-05-01 $397,000 (-6.2%) $548,403 (-1.4%) 1.24 399
    2019-06-01 $395,000 (-1.0%) $542,476 (-2.3%) 1.23 432
    2019-07-01 $389,700 (-1.3%) $542,961 (-1.1%) 1.22 444
    2019-08-01 $384,145 (-2.8%) $539,691 (-1.0%) 1.22 440
    2019-09-01 $376,189 (-4.8%) $528,673 (-2.4%) 1.20 420
    2019-10-01 $370,000 (-2.0%) $515,897 (-2.9%) 1.19 400
    2019-11-01 $368,932 (-4.1%) $503,729 (-5.3%) 1.21 364
    2019-12-01 $361,000 (-4.8%) $504,468 (-5.1%) 1.20 323
    2020-01-01 $354,500 (-5.9%) $486,348 (-7.6%) 1.18 286
    2020-02-01 $350,000 (-5.2%) $507,420 (-1.3%) 1.15 265
    2020-03-01 $352,500 (-6.4%) $499,384 (-5.5%) 1.11 274
    2020-04-01 $359,000 (-7.2%) $494,779 (-9.1%) 1.13 271
    2020-05-01 $355,000 (-10.6%) $485,170 (-11.5%) 1.09 270
    2020-06-01 $377,500 (-4.4%) $580,613 (7.0%) 1.11 236
    2020-07-01 $379,000 (-2.8%) $621,895 (14.5%) 1.10 218
    2020-08-01 $399,000 (3.9%) $640,566 (18.7%) 1.14 211
    2020-09-01 $399,125 (6.1%) $657,909 (24.5%) 1.14 189
    2020-10-01 $425,000 (14.9%) $682,253 (32.3%) 1.22 163
    2020-11-01 $420,750 (14.1%) $690,119 (37.0%) 1.23 172
    2020-12-01 $427,000 (18.3%) $685,028 (35.8%) 1.27 132
    2021-01-01 $425,000 (19.9%) $698,426 (43.6%) 1.27 115
    2021-02-01 $428,250 (22.4%) $771,500 (52.0%) 1.25 103
    2021-03-01 $427,450 (21.3%) $732,215 (46.6%) 1.21 110
    2021-04-01 $444,475 (23.8%) $704,625 (42.4%) 1.20 124
    2021-05-01 $429,900 (21.1%) $674,760 (39.1%) 1.14 133
    2021-06-01 $434,100 (15.0%) $710,684 (22.4%) 1.14 149
    2021-07-01 $449,000 (18.5%) $725,572 (16.7%) 1.18 158
    2021-08-01 $449,750 (12.7%) $724,320 (13.1%) 1.20 175
    2021-09-01 $470,475 (17.9%) $753,658 (14.6%) 1.25 165
    2021-10-01 $493,000 (16.0%) $776,367 (13.8%) 1.31 168
    2021-11-01 $519,500 (23.5%) $819,265 (18.7%) 1.39 169
    2021-12-01 $499,000 (16.9%) $775,383 (13.2%) 1.35 171
    2022-01-01 $519,000 (22.1%) $833,508 (19.3%) 1.40 158
    2022-02-01 $524,500 (22.5%) $834,024 (8.1%) 1.36 164
    2022-03-01 $544,750 (27.4%) $803,673 (9.8%) 1.36 175
    2022-04-01 $549,500 (23.6%) $812,289 (15.3%) 1.31 188
    2022-05-01 $539,375 (25.5%) $789,481 (17.0%) 1.23 234
    2022-06-01 $532,484 (22.7%) $755,962 (6.4%) 1.19 275
    2022-07-01 $499,000 (11.1%) $679,627 (-6.3%) 1.12 329
    2022-08-01 $498,000 (10.7%) $667,642 (-7.8%) 1.15 324
    2022-09-01 $499,500 (6.2%) $663,296 (-12.0%) 1.17 325
    2022-10-01 $495,000 (0.4%) $646,637 (-16.7%) 1.16 341
    2022-11-01 $486,500 (-6.4%) $637,263 (-22.2%) 1.17 332
    2022-12-01 $489,000 (-2.0%) $641,715 (-17.2%) 1.21 317
    2023-01-01 $478,000 (-7.9%) $627,962 (-24.7%) 1.19 272
    2023-02-01 $468,725 (-10.6%) $616,553 (-26.1%) 1.13 263
    2023-03-01 $480,975 (-11.7%) $637,436 (-20.7%) 1.13 254
    2023-04-01 $499,000 (-9.2%) $644,477 (-20.7%) 1.16 252
    2023-05-01 $499,500 (-7.4%) $654,365 (-17.1%) 1.13 274
    2023-06-01 $489,450 (-8.1%) $621,925 (-17.7%) 1.10 321
    2023-07-01 $489,000 (-2.0%) $619,618 (-8.8%) 1.11 346
    2023-08-01 $492,450 (-1.1%) $624,764 (-6.4%) 1.13 345
    2023-09-01 $475,000 (-4.9%) $622,327 (-6.2%) 1.11 361
    2023-10-01 $475,000 (-4.0%) $611,533 (-5.4%) 1.12 377
    2023-11-01 $466,750 (-4.1%) $600,455 (-5.8%) 1.11 346
    2023-12-01 $460,000 (-5.9%) $569,235 (-11.3%) 0.00 327
    2024-01-01 $441,012 (-7.7%) $549,597 (-12.5%) 0.00 306
    2024-02-01 $462,225 (-1.4%) $548,972 (-11.0%) 0.00 295
    2024-03-01 $475,000 (-1.2%) $553,601 (-13.2%) 0.00 310
    2024-04-01 $470,000 (-5.8%) $561,945 (-12.8%) 0.00 331
    2024-05-01 $494,100 (-1.1%) $573,929 (-12.3%) 0.00 375
    2024-06-01 $499,000 (2.0%) $591,753 (-4.9%) 0.00 417
    2024-07-01 $498,500 (1.9%) $584,783 (-5.6%) 0.00 458
    2024-08-01 $492,500 (0.0%) $579,405 (-7.3%) 0.00 453
    2024-09-01 $489,000 (3.0%) $570,499 (-8.3%) 0.00 453
    2024-10-01 $479,000 (0.8%) $572,197 (-6.4%) 0.00 450
    2024-11-01 $475,000 (1.8%) $578,755 (-3.6%) 0.00 444
    Eureka - Arcata's median listing price for 2024-11-01 was $475,000, a difference of $8,250 (1.8%) versus the prior year and $-4,000 versus the prior month.

    Eureka - Arcata's median listing price comes in at 0% of the national average.

    Eureka - Arcata's average listing price for 2024-11-01 was $578,755, a difference of $-21,700 (-3.6%) versus the prior year and $6,558 versus the prior month.

    For the 2024-11-01 period, Eureka - Arcata had 444 MLS listings, a difference of -6 listings (-1%) versus the prior month and 98 listings (28%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Eureka - Arcata (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 78 days 1,554 sqft
    2018-02-01 77 days 1,554 sqft
    2018-03-01 69 days 1,559 sqft
    2018-04-01 68 days 1,585 sqft
    2018-05-01 59 days 1,573 sqft
    2018-06-01 61 days 1,579 sqft
    2018-07-01 71 days 1,600 sqft
    2018-08-01 74 days 1,607 sqft
    2018-09-01 83 days 1,604 sqft
    2018-10-01 83 days 1,590 sqft
    2018-11-01 87 days 1,597 sqft
    2018-12-01 88 days 1,598 sqft
    2019-01-01 89 days 1,580 sqft
    2019-02-01 90 days 1,530 sqft
    2019-03-01 79 days 1,559 sqft
    2019-04-01 60 days 1,600 sqft
    2019-05-01 52 days 1,618 sqft
    2019-06-01 53 days 1,600 sqft
    2019-07-01 66 days 1,630 sqft
    2019-08-01 70 days 1,590 sqft
    2019-09-01 75 days 1,569 sqft
    2019-10-01 77 days 1,554 sqft
    2019-11-01 83 days 1,554 sqft
    2019-12-01 88 days 1,540 sqft
    2020-01-01 81 days 1,495 sqft
    2020-02-01 71 days 1,500 sqft
    2020-03-01 56 days 1,506 sqft
    2020-04-01 66 days 1,568 sqft
    2020-05-01 67 days 1,550 sqft
    2020-06-01 63 days 1,593 sqft
    2020-07-01 45 days 1,632 sqft
    2020-08-01 38 days 1,652 sqft
    2020-09-01 38 days 1,649 sqft
    2020-10-01 49 days 1,782 sqft
    2020-11-01 39 days 1,690 sqft
    2020-12-01 59 days 1,680 sqft
    2021-01-01 61 days 1,624 sqft
    2021-02-01 34 days 1,659 sqft
    2021-03-01 19 days 1,680 sqft
    2021-04-01 19 days 1,631 sqft
    2021-05-01 22 days 1,600 sqft
    2021-06-01 21 days 1,546 sqft
    2021-07-01 30 days 1,515 sqft
    2021-08-01 30 days 1,461 sqft
    2021-09-01 31 days 1,500 sqft
    2021-10-01 31 days 1,540 sqft
    2021-11-01 41 days 1,553 sqft
    2021-12-01 59 days 1,500 sqft
    2022-01-01 73 days 1,540 sqft
    2022-02-01 65 days 1,595 sqft
    2022-03-01 46 days 1,591 sqft
    2022-04-01 43 days 1,600 sqft
    2022-05-01 41 days 1,593 sqft
    2022-06-01 42 days 1,600 sqft
    2022-07-01 43 days 1,533 sqft
    2022-08-01 52 days 1,513 sqft
    2022-09-01 64 days 1,546 sqft
    2022-10-01 66 days 1,513 sqft
    2022-11-01 73 days 1,536 sqft
    2022-12-01 88 days 1,515 sqft
    2023-01-01 98 days 1,507 sqft
    2023-02-01 96 days 1,518 sqft
    2023-03-01 91 days 1,524 sqft
    2023-04-01 72 days 1,500 sqft
    2023-05-01 57 days 1,524 sqft
    2023-06-01 45 days 1,568 sqft
    2023-07-01 52 days 1,600 sqft
    2023-08-01 66 days 1,648 sqft
    2023-09-01 64 days 1,600 sqft
    2023-10-01 68 days 1,600 sqft
    2023-11-01 73 days 1,578 sqft
    2023-12-01 0 days 1,547 sqft
    2024-01-01 0 days 1,500 sqft
    2024-02-01 0 days 1,506 sqft
    2024-03-01 0 days 1,500 sqft
    2024-04-01 0 days 1,500 sqft
    2024-05-01 0 days 1,542 sqft
    2024-06-01 0 days 1,539 sqft
    2024-07-01 0 days 1,517 sqft
    2024-08-01 0 days 1,516 sqft
    2024-09-01 0 days 1,562 sqft
    2024-10-01 0 days 1,560 sqft
    2024-11-01 0 days 1,575 sqft
    Eureka - Arcata's median listing age (time on market) for 2024-11-01 was 0 days. This is -100% shorter than the same period one year ago.

    Eureka - Arcata's median square footage for active listings during the 2024-11-01 period was 1,575 sqft. One year prior, the average listing was 1,578 sqft.

    Eureka-Arcata, CA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 648 $221,850,000 $342,361
    Cash Out Refi 127 $35,405,000 $278,780
    Other 83 $10,635,000 $128,133
    Home Improvement 78 $12,360,000 $158,462
    Refi 66 $13,380,000 $202,727

    Eureka - Arcata's most frequently cited loan purpose was Home Purchase, with 648 originations. The 2nd most popular reason was Cash Out Refi, with 127 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 367 $124,615,000 $339,550
    7-8% 270 $90,750,000 $336,111
    Over 8% 202 $31,330,000 $155,099
    5-6% 128 $42,250,000 $330,078
    <2.5% 21 $955,000 $45,476
    4-5% 6 $2,820,000 $470,000
    3-4% 1 $35,000 $35,000
    2.5-3% 1 $225,000 $225,000

    During 2023, Eureka - Arcata's most frequently originated rate bucket was 6-7%, with 367 originations.

    Loan Sizing (Eureka-Arcata, CA MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 459 $139,545,000 $304,020
    $400k-600k 171 $80,365,000 $469,971
    $100,000 or less 162 $8,740,000 $53,951
    $100k-200k 162 $24,130,000 $148,951
    $600k-1000k 43 $30,135,000 $700,814
    $Over $1MM 5 $10,715,000 $2,143,000

    Eureka - Arcata's loan sizing saw the bucket of loans from $200k-400k with 459 originations, totaling $139,545,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 336 $125,970,000 $374,911
    60-80% 256 $95,710,000 $373,867
    Under 20% 162 $15,230,000 $94,012
    40-60% 124 $35,060,000 $282,742
    20-40% 112 $17,870,000 $159,554
    Over 100% 6 $2,400,000 $400,000

    Eureka - Arcata's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 336 originations, totaling $125,970,000 in origination value.