Eureka - Arcata Mortgage Rates

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

30 Year Fixed Rate mortgages in Eureka - Arcata averaged 5.85% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.16% and one month ago for the week of 2022-05-26, the average rate was 5.25%.

Eureka - Arcata's average rate one year ago was 3.17%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.57%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Eureka - Arcata 30 Year Fixed Rate 2022-06-30 5.85%
Eureka - Arcata 30 Year Fixed Rate Refi 2022-06-30 5.57%
Eureka - Arcata 15 Year Fixed Rate 2022-06-30 5.15%
Eureka - Arcata 15 Year Fixed Rate Refi 2022-06-30 5.04%
Eureka - Arcata 30 Year FHA 2022-06-30 5.57%
Eureka - Arcata 30 Year FHA Refi 2022-06-30 5.62%
Eureka - Arcata 30 Year USDA 2022-06-30 5.24%
Eureka - Arcata 30 Year USDA Refi 2022-06-30 5.97%
Eureka - Arcata 30 Year VA 2022-06-30 5.42%
Eureka - Arcata 30 Year VA Refi 2022-06-30 5.38%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
CALIBER HOME LOANS, INC. 361 3.07% $6,516
UNITED WHOLESALE MORTGAGE, LLC 308 2.83% $6,778
QUICKEN LOANS, LLC 229 3.01% $5,251
Umpqua Bank 140 3.13% $5,312
FINANCE OF AMERICA MORTGAGE LLC 137 3.07% $4,867
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 112 3.23% $5,453
Florida Capital Bank 90 2.92% $4,493
SUMMIT FUNDING, INC. 66 3.24% $5,384
LOANDEPOT.COM, LLC 56 2.91% $4,561
AMERICAN PACIFIC MORTGAGE CORPORATION 54 3.26% $5,188
Wells Fargo Bank 50 3.23% $3,538
Mr. Cooper ( Nationstar Mortgage ) 41 3.04% $5,487
Tri Counties Bank 38 3.21% $3,439
Paramount Residential Mortgage Group, Inc. 31 2.86% $7,266
HOME POINT FINANCIAL CORPORATION 30 2.99% $4,736
U.S. Bank 25 3.14% $3,581
PENNYMAC LOAN SERVICES, LLC 22 2.98% $5,304
JPMorgan Chase Bank 21 3.09% $2,878
BETTER MORTGAGE CORPORATION 20 2.86% $3,895
PLAZA HOME MORTGAGE, INC. 19 2.70% $7,401
BROKER SOLUTIONS, INC. 17 3.01% $3,761
AMERISAVE MORTGAGE CORPORATION 17 2.76% $8,561
MOVEMENT MORTGAGE, LLC 14 3.26% $4,310
NEWREZ LLC 14 3.21% $3,157
GUARANTEED RATE, INC. 14 2.79% $4,765
Flagstar Bank, FSB 11 3.38% $4,689
FREEDOM MORTGAGE CORPORATION 11 3.22% $1,785
CROSSCOUNTRY MORTGAGE, LLC 11 2.91% $3,885
MUTUAL OF OMAHA MORTGAGE, INC. 11 3.01% $3,707
Nations Lending Corporation 10 3.09% $6,002
Provident Credit Union 10 2.83% $3,650
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 8 3.16% $4,466
Commerce Home Mortgage, Inc. 8 3.20% $5,044
GUILD MORTGAGE COMPANY 7 3.18% $7,482
Strong Home Mortgage, LLC 7 3.05% $1,260
NAVY FEDERAL CREDIT UNION 7 3.38% $4,162
PRIMELENDING, A PLAINSCAPITAL COMPANY 7 3.21% $6,021
North American Savings Bank, F.S.B. 6 2.88% $2,742
LOANPAL, LLC 6 3.16% $5,996
PROVIDENT FUNDING ASSOCIATES, L.P. 6 2.83% $4,582
Watermark Capital, Inc. 6 2.81% $2,967
Bank of America 6 3.02% $3,844
CANOPY MORTGAGE, LLC 5 3.00% $3,256
NBKC BANK 5 3.15% $3,107
InterContinental Capital Group, Inc 5 3.00% $3,887
NETWORK CAPITAL FUNDING CORPORATION 5 3.20% $3,497
Century Mortgage Company DBA Century Lending Company 5 3.23% $4,496
AMERICAN FINANCIAL NETWORK, INC. 4 3.47% $5,766
REDWOOD 4 3.00% $4,164
LAKEVIEW LOAN SERVICING, LLC 4 3.31% $2,653
LENDUS, LLC 3 2.87% $4,320
Sierra Pacific Mortgage Company, Inc. 3 3.33% $3,860
AMERICAN FINANCING CORPORATION 3 3.63% $4,920
AMERICAN INTERNET MORTGAGE, INC. 3 2.83% $4,366
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 3.33% $3,695
PARKSIDE LENDING, LLC 3 3.08% $3,692
Truist Bank 3 3.04% $3,945
HOMEXPRESS MORTGAGE CORP. 3 5.04% $16,527
ACADEMY MORTGAGE CORPORATION 3 3.63% $5,459
Prime Choice Funding Inc. 3 2.71% $3,159
Hometown Lenders, Inc. 3 2.96% $5,023
STEARNS LENDING, LLC 3 3.21% $3,504
CHERRY CREEK MORTGAGE, LLC 3 2.71% $948
ROYAL UNITED MORTGAGE LLC 3 3.42% $4,510
Morgan Stanley Private Bank 3 2.65% $3,802
HOMESIDE FINANCIAL, LLC 3 2.86% $8,079
S1L, Inc. 3 3.08% $4,286
STAR ONE CREDIT UNION 3 2.88% $1,713
SCHOOLSFIRST 3 3.04% $4,113
ZILLOW HOME LOANS, LLC 2 3.56% $2,755
Arvest Bank 2 3.13% $2,020
Axos Bank 2 3.06% $2,586
CMG MORTGAGE, INC. 2 3.19% $4,740
CORNERSTONE HOME LENDING, INC. 2 3.13% $10,846
DIRECTORS MORTGAGE, INC. 2 3.06% $4,166
ENVOY MORTGAGE, LTD 2 3.00% $5,665
Equity Prime Mortgage LLC 2 2.94% $3,177
FirstBank 2 2.69% $2,136
First Guaranty Mortgage Corporation 2 2.81% $4,234
Fremont Bank 2 3.06% $2,063
IMPAC MORTGAGE CORP. 2 2.81% $0
KeyBank 2 2.69% $4,980
LADERA LENDING, INC. 2 3.13% $3,359
LEADERONE FINANCIAL CORPORATION 2 3.06% $2,650
MOUNTAIN WEST FINANCIAL, INC. 2 2.94% $7,837
NATIONS DIRECT MORTGAGE, LLC 2 3.75% $6,105
ONY GLO, INC. 2 2.87% $2,767
OPEN MORTGAGE, LLC 2 3.38% $3,811
PACIFIC SERVICE 2 2.88% $3,519
PREMIER MORTGAGE RESOURCES, L.L.C. 2 3.06% $6,820
Servion, Inc. 2 2.88% $3,973
THE GOLDEN 1 2 3.06% $4,359
WINNPOINTE CORPORATION 2 3.00% $0
Wyndham Capital Mortgage, Inc. 2 3.00% $2,331
Manufacturers and Traders Trust Company 1 3.63% $8,376
MEGASTAR FINANCIAL CORP. 1 3.38% $5,532
Merchants Bank of Indiana 1 2.88% $2,981
Meridian Bank Corporation 1 2.75% $3,217
MICHIGAN MUTUAL, INC. 1 2.63% $2,823
Midwest Community Bank 1 3.13% $3,358
MISSION 1 3.00% $3,044
ML Mortgage Corp. 1 3.38% $5,741
Hometown Equity Mortgage, LLC 1 2.75% $6,236
MORIA DEVELOPMENT, INC. 1 3.25% $3,353
ALLIED MORTGAGE GROUP, INC. 1 2.75% $1,906
Home Mortgage Alliance Corp 1 3.13% $8,688
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 3.13% $2,584
MUFG Union Bank 1 3.13% $2,910
Golden Empire Mortgage, Inc. 1 2.75% $3,494
USAA Federal Savings Bank 1 2.88% $2,481
GENEVA FINANCIAL, LLC 1 3.38% $5,583
General Mortgage Capital Corporation 1 3.13% $2,803
Franklin Loan Corporation 1 3.13% $5,060
First Savings Bank 1 2.38% $15,454
First Republic Bank 1 2.90% $6,340
NMSI, INC. 1 2.88% $5,432
Firefighters First Federal Credit Union 1 3.38% $3,262
NOVA FINANCIAL & INVESTMENT CORPORATION 1 3.13% $1,637
NP, Inc. 1 2.75% $2,745
OCMBC, INC. 1 2.75% $8,103
ALLIANT CREDIT UNION 1 3.25% $3,492
VERITAS FUNDING, LLC 1 2.63% $2,634
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 4.00% $6,362
ALAMEDA MORTGAGE CORPORATION 1 3.63% $5,407
PANORAMA MORTGAGE GROUP, LLC 1 2.88% $3,954
Paramount Bank 1 3.25% $3,087
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 3.38% $9,904
EMBRACE HOME LOANS, INC. 1 3.25% $4,740
PATELCO 1 3.13% $1,706
Discover Bank 1 3.99% $0
PHH Mortgage Corporation 1 3.25% $5,832
PLANET HOME LENDING, LLC 1 3.25% $1,775
DAS Acquisition Company, LLC 1 2.63% $2,161
PNC Bank 1 3.25% $3,904
PREMIER LENDING, INC. 1 3.50% $3,307
Waterstone Mortgage Corporation 1 3.50% $5,630
Comerica Bank 1 3.25% $3,110
COASTAL FUNDING SLC, INC. 1 4.13% $3,608
Citibank 1 3.00% $7,562
CIS Financial Services, Inc. 1 3.00% $4,847
Chickasaw Community Bank 1 3.25% $3,334
RANLIFE, INC. 1 2.50% $11,701
RBC Bank, (Georgia) 1 3.25% $2,542
CHEVRON 1 2.25% $15,959
ROGUE 1 3.38% $2,430
Charles Schwab Bank, SSB 1 2.50% $606
CELEBRITY HOME LOANS, LLC 1 3.12% $5,554
SAFE CREDIT UNION 1 3.13% $5,273
Carrington Mortgage Services, LLC 1 2.88% $4,251
5TH STREET CAPITAL, INC. 1 4.63% $14,331
CAPSTONE DIRECT, INC. 1 3.50% $3,724
SIRVA MORTGAGE, INC. 1 3.50% $390
SOFI LENDING CORP. 1 3.00% $3,183
SOVEREIGN LENDING GROUP INCORPORATED 1 3.49% $5,165
BRIDGELOCK CAPITAL 1 3.99% $9,028
BBVA USA 1 4.75% $6,309
BAY EQUITY LLC 1 3.25% $5,645
Bank of England 1 3.13% $2,959
SUMMIT MORTGAGE CORPORATION 1 3.38% $4,468
Sunflower Bank 1 2.88% $5,422
SUN WEST MORTGAGE COMPANY, INC. 1 3.13% $1,024
T2 FINANCIAL LLC 1 2.75% $2,832
21ST MORTGAGE CORPORATION 1 6.55% $7,295
The Loan Store, Inc. 1 3.00% $2,090
TOP FLITE FINANCIAL, INC. 1 3.38% $15,472
ARC HOME LLC 1 3.88% $22,698
JMJ FINANCIAL GROUP 1 2.75% $5,177
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 4.63% $13,594
Ally Bank 1 2.75% $8,741
JMAC LENDING, INC. 1 3.00% $3,318
LAND HOME FINANCIAL SERVICES, INC. 1 3.38% $4,597
UNCLE Credit Union 1 3.38% $7,207
ISERVE RESIDENTIAL LENDING, LLC 1 3.38% $3,894
INTERNATIONAL CITY MORTGAGE, INC. 1 3.63% $6,323
LOANFLIGHT LENDING, LLC 1 2.63% $1,182
LOANLEADERS OF AMERICA, INC. 1 3.00% $7,891
HSBC BANK USA, NATIONAL ASSOCIATION 1 2.75% $4,640
Luxury Mortgage Corp. 1 3.99% $0
Magnolia Bank 1 3.25% $6,554

Eureka-Arcata, CA's 179 lenders originated 3,966 loans during 2021. The total origination value was $1,139,970,000, with an average loan value of $287,436.

The top Eureka - Arcata lender as defined by loan originations is CALIBER HOME LOANS, INC., with 361 loans originated. Their average total fees are $6,516, which is $262 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Eureka - Arcata lenders (with over 10 loans originated) are FREEDOM MORTGAGE CORPORATION ($1,785), JPMorgan Chase Bank ($2,878), NEWREZ LLC ($3,157), Tri Counties Bank ($3,439) and Wells Fargo Bank ($3,538).

The lowest rate Eureka - Arcata lenders (with over 10 loans originated) are PLAZA HOME MORTGAGE, INC. (2.70%), AMERISAVE MORTGAGE CORPORATION (2.76%), GUARANTEED RATE, INC. (2.79%), Provident Credit Union (2.83%) and UNITED WHOLESALE MORTGAGE, LLC (2.83%).

Eureka-Arcata, 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
CALIBER HOME LOANS, INC. $140,905,000 $154,070,000 9.3% 13.5%
UNITED WHOLESALE MORTGAGE, LLC $98,535,000 $137,575,000 39.6% 12.1%
QUICKEN LOANS, LLC $87,205,000 $98,370,000 12.8% 8.6%
Umpqua Bank $72,555,000 $81,085,000 11.8% 7.1%
FINANCE OF AMERICA MORTGAGE LLC $34,915,000 $57,215,000 63.9% 5.0%
Wells Fargo Bank $25,875,000 $50,730,000 96.1% 4.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $43,570,000 $48,710,000 11.8% 4.3%
Florida Capital Bank $34,850,000 $34,505,000 -1.0% 3.0%
SUMMIT FUNDING, INC. $49,885,000 $32,015,000 -35.8% 2.8%
LOANDEPOT.COM, LLC $12,010,000 $27,375,000 127.9% 2.4%
FREEDOM MORTGAGE CORPORATION $25,865,000 $25,370,000 -1.9% 2.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $22,760,000 $22,640,000 -0.5% 2.0%
Tri Counties Bank $25,460,000 $20,730,000 -18.6% 1.8%
Mr. Cooper ( Nationstar Mortgage ) $13,000,000 $18,965,000 45.9% 1.7%
PENNYMAC LOAN SERVICES, LLC $7,770,000 $17,540,000 125.7% 1.5%
U.S. Bank $15,695,000 $16,595,000 5.7% 1.5%
Paramount Residential Mortgage Group, Inc. $8,865,000 $14,850,000 67.5% 1.3%
HOME POINT FINANCIAL CORPORATION $3,690,000 $14,785,000 300.7% 1.3%
BETTER MORTGAGE CORPORATION $4,540,000 $11,475,000 152.8% 1.0%
PLAZA HOME MORTGAGE, INC. $30,525,000 $10,210,000 -66.6% 0.9%
AMERISAVE MORTGAGE CORPORATION $6,575,000 $9,445,000 43.7% 0.8%
JPMorgan Chase Bank $7,110,000 $9,400,000 32.2% 0.8%
NEWREZ LLC $5,305,000 $8,410,000 58.5% 0.7%
BROKER SOLUTIONS, INC. $4,080,000 $7,220,000 77.0% 0.6%
Flagstar Bank, FSB $4,220,000 $6,180,000 46.4% 0.5%
GUARANTEED RATE, INC. $1,850,000 $6,080,000 228.6% 0.5%
Mortgage Research Center, LLC $7,085,000 $5,930,000 -16.3% 0.5%
MOVEMENT MORTGAGE, LLC $1,635,000 $5,580,000 241.3% 0.5%
Commerce Home Mortgage, Inc. $5,290,000 $4,745,000 -10.3% 0.4%
CROSSCOUNTRY MORTGAGE, LLC $2,670,000 $4,675,000 75.1% 0.4%
NAVY FEDERAL CREDIT UNION $3,720,000 $4,450,000 19.6% 0.4%
LAKEVIEW LOAN SERVICING, LLC $1,835,000 $4,310,000 134.9% 0.4%
Strong Home Mortgage, LLC $2,450,000 $4,015,000 63.9% 0.4%
MUTUAL OF OMAHA MORTGAGE, INC. $2,700,000 $3,815,000 41.3% 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $3,225,000 $3,630,000 12.6% 0.3%
GUILD MORTGAGE COMPANY $4,495,000 $3,605,000 -19.8% 0.3%
Provident Credit Union $4,745,000 $3,495,000 -26.3% 0.3%
MID AMERICA MORTGAGE, INC. $1,805,000 $3,415,000 89.2% 0.3%
Bank of America $3,490,000 $3,080,000 -11.7% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $890,000 $2,620,000 194.4% 0.2%
Nations Lending Corporation $880,000 $2,510,000 185.2% 0.2%
HOMEXPRESS MORTGAGE CORP. $770,000 $2,455,000 218.8% 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $2,745,000 $2,450,000 -10.7% 0.2%
Sierra Pacific Mortgage Company, Inc. $5,915,000 $2,430,000 -58.9% 0.2%
North American Savings Bank, F.S.B. $1,545,000 $2,420,000 56.6% 0.2%
USAA Federal Savings Bank $2,685,000 $2,295,000 -14.5% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $2,715,000 $2,285,000 -15.8% 0.2%
InterContinental Capital Group, Inc $650,000 $2,225,000 242.3% 0.2%
ACADEMY MORTGAGE CORPORATION $185,000 $2,205,000 1,091.9% 0.2%
Carrington Mortgage Services, LLC $945,000 $2,185,000 131.2% 0.2%
AMERICAN INTERNET MORTGAGE, INC. $1,295,000 $2,160,000 66.8% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $325,000 $2,150,000 561.5% 0.2%
Prime Choice Funding Inc. $355,000 $2,095,000 490.1% 0.2%
Watermark Capital, Inc. $390,000 $2,085,000 434.6% 0.2%
REDWOOD $1,560,000 $1,830,000 17.3% 0.2%
CHERRY CREEK MORTGAGE, LLC $2,570,000 $1,725,000 -32.9% 0.2%
LOANPAL, LLC $1,620,000 $1,695,000 4.6% 0.1%
NETWORK CAPITAL FUNDING CORPORATION $605,000 $1,690,000 179.3% 0.1%
WINNPOINTE CORPORATION $1,650,000 n/a 0.1%
NBKC BANK $2,765,000 $1,645,000 -40.5% 0.1%
Century Mortgage Company DBA Century Lending Company $1,590,000 n/a 0.1%
AMERICAN FIRST $1,575,000 n/a 0.1%
STAR ONE CREDIT UNION $105,000 $1,530,000 1,357.1% 0.1%
CANOPY MORTGAGE, LLC $265,000 $1,505,000 467.9% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $3,545,000 $1,500,000 -57.7% 0.1%
Fremont Bank $1,620,000 $1,405,000 -13.3% 0.1%
Morgan Stanley Private Bank $870,000 $1,405,000 61.5% 0.1%
STEARNS LENDING, LLC $2,240,000 $1,390,000 -37.9% 0.1%
LADERA LENDING, INC. $1,145,000 $1,345,000 17.5% 0.1%
CLEARPATH LENDING $970,000 $1,315,000 35.6% 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $395,000 $1,290,000 226.6% 0.1%
HOMESIDE FINANCIAL, LLC $1,280,000 n/a 0.1%
Ally Bank $1,260,000 n/a 0.1%
LENDUS, LLC $1,920,000 $1,245,000 -35.2% 0.1%
PLANET HOME LENDING, LLC $935,000 $1,225,000 31.0% 0.1%
Citibank $115,000 $1,180,000 926.1% 0.1%
CHEVRON $1,150,000 n/a 0.1%
CORNERSTONE HOME LENDING, INC. $1,150,000 n/a 0.1%
Wyndham Capital Mortgage, Inc. $1,130,000 n/a 0.1%
PHH Mortgage Corporation $910,000 $1,125,000 23.6% 0.1%
KeyBank $1,735,000 $1,100,000 -36.6% 0.1%
IMPAC MORTGAGE CORP. $265,000 $1,090,000 311.3% 0.1%
SOFI LENDING CORP. $500,000 $1,090,000 118.0% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $2,435,000 $1,070,000 -56.1% 0.1%
Truist Bank $1,055,000 n/a 0.1%
S1L, Inc. $975,000 $1,010,000 3.6% 0.1%
MUFG Union Bank $540,000 $1,000,000 85.2% 0.1%
SCHOOLSFIRST $405,000 $975,000 140.7% 0.1%
PARKSIDE LENDING, LLC $2,495,000 $935,000 -62.5% 0.1%
First Guaranty Mortgage Corporation $1,055,000 $930,000 -11.8% 0.1%
NEW DAY FINANCIAL, LLC $1,020,000 $930,000 -8.8% 0.1%
HomePromise Corporation $905,000 n/a 0.1%
NATIONS DIRECT MORTGAGE, LLC $235,000 $890,000 278.7% 0.1%
THE GOLDEN 1 $1,345,000 $865,000 -35.7% 0.1%
OPEN MORTGAGE, LLC $115,000 $825,000 617.4% 0.1%
Home Mortgage Alliance Corp $805,000 n/a 0.1%
PACIFIC SERVICE $1,730,000 $805,000 -53.5% 0.1%
PNC Bank $415,000 $795,000 91.6% 0.1%
First Republic Bank $425,000 $785,000 84.7% 0.1%
NP, Inc. $785,000 n/a 0.1%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $780,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $770,000 $780,000 1.3% 0.1%
ALLIANT CREDIT UNION $775,000 n/a 0.1%
Equity Prime Mortgage LLC $550,000 $770,000 40.0% 0.1%
The Federal Savings Bank $1,565,000 $765,000 -51.1% 0.1%
UNCLE Credit Union $755,000 n/a 0.1%
Discover Bank $415,000 $735,000 77.1% 0.1%
Hometown Lenders, Inc. $570,000 $735,000 28.9% 0.1%
FirstBank $325,000 $730,000 124.6% 0.1%
BAY EQUITY LLC $1,280,000 $720,000 -43.8% 0.1%
ENVOY MORTGAGE, LTD $285,000 $720,000 152.6% 0.1%
MOUNTAIN WEST FINANCIAL, INC. $515,000 $715,000 38.8% 0.1%
GENEVA FINANCIAL, LLC $700,000 n/a 0.1%
Servion, Inc. $700,000 n/a 0.1%
RANLIFE, INC. $185,000 $680,000 267.6% 0.1%
MORIA DEVELOPMENT, INC. $675,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $1,750,000 $665,000 -62.0% 0.1%
ARC HOME LLC $635,000 n/a 0.1%
Golden Empire Mortgage, Inc. $1,555,000 $630,000 -59.5% 0.1%
BBVA USA $1,450,000 $625,000 -56.9% 0.1%
AMERICAN FINANCING CORPORATION $825,000 $615,000 -25.5% 0.1%
Magnolia Bank $255,000 $615,000 141.2% 0.1%
Hometown Equity Mortgage, LLC $865,000 $610,000 -29.5% 0.1%
NOVA FINANCIAL & INVESTMENT CORPORATION $580,000 $610,000 5.2% 0.1%
Lakeview Community Capital, LLC $600,000 n/a 0.1%
COASTAL FUNDING SLC, INC. $590,000 n/a 0.1%
LEADERONE FINANCIAL CORPORATION $580,000 n/a 0.1%
ONY GLO, INC. $1,695,000 $570,000 -66.4% 0.1%
Luxury Mortgage Corp. $565,000 n/a 0.0%
CAPSTONE DIRECT, INC. $545,000 n/a 0.0%
DIRECTORS MORTGAGE, INC. $530,000 n/a 0.0%
PATELCO $900,000 $530,000 -41.1% 0.0%
Citadel Servicing Corporation $525,000 n/a 0.0%
MACKILLIE INCORPORATED $515,000 n/a 0.0%
AMERICAN ADVISORS GROUP $1,110,000 $505,000 -54.5% 0.0%
PACIFIC RESIDENTIAL MORTGAGE, LLC $480,000 n/a 0.0%
ISERVE RESIDENTIAL LENDING, LLC $475,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $800,000 $460,000 -42.5% 0.0%
GUARANTEED RATE AFFINITY, LLC $470,000 $455,000 -3.2% 0.0%
Wasatch Peaks Federal Credit Union $455,000 n/a 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $195,000 $445,000 128.2% 0.0%
FINANCE OF AMERICA REVERSE LLC $350,000 $440,000 25.7% 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $435,000 n/a 0.0%
Sunflower Bank $255,000 $435,000 70.6% 0.0%
HighTechLending Inc $390,000 $430,000 10.3% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $635,000 $425,000 -33.1% 0.0%
LENDING 3, INC. $425,000 n/a 0.0%
NEXERA HOLDING LLC $425,000 n/a 0.0%
Firefighters First Federal Credit Union $415,000 $415,000 0.0% 0.0%
First Savings Bank $215,000 $415,000 93.0% 0.0%
Franklin Loan Corporation $415,000 n/a 0.0%
HomeTrust Bank $415,000 n/a 0.0%
Texana Bank $275,000 $415,000 50.9% 0.0%
Bank of the West $410,000 n/a 0.0%
CMG MORTGAGE, INC. $1,245,000 $410,000 -67.1% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $320,000 $410,000 28.1% 0.0%
PREMIER LENDING, INC. $405,000 n/a 0.0%
STANFORD Federal Credit Union $405,000 n/a 0.0%
OCMBC, INC. $1,335,000 $400,000 -70.0% 0.0%
Citizens Bank $395,000 n/a 0.0%
JMJ FINANCIAL GROUP $385,000 n/a 0.0%
Midwest Community Bank $385,000 n/a 0.0%
MORTGAGEONE, INC. $385,000 n/a 0.0%
Axos Bank $420,000 $380,000 -9.5% 0.0%
SPRING EQ, LLC $340,000 $380,000 11.8% 0.0%
ALAMEDA MORTGAGE CORPORATION $375,000 n/a 0.0%
SAFE CREDIT UNION $365,000 n/a 0.0%
Arvest Bank $590,000 $360,000 -39.0% 0.0%
5TH STREET CAPITAL, INC. $315,000 $355,000 12.7% 0.0%
LOANFLIGHT LENDING, LLC $355,000 n/a 0.0%
LOANLEADERS OF AMERICA, INC. $345,000 $355,000 2.9% 0.0%
PANORAMA MORTGAGE GROUP, LLC $355,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $1,250,000 $345,000 -72.4% 0.0%
LONGBRIDGE FINANCIAL, LLC $345,000 n/a 0.0%
ML Mortgage Corp. $345,000 n/a 0.0%
SAN FRANCISCO FIRE CREDIT UNION $235,000 $345,000 46.8% 0.0%
TOP FLITE FINANCIAL, INC. $715,000 $345,000 -51.7% 0.0%
Bank of England $340,000 n/a 0.0%
AMWEST FUNDING CORP. $695,000 $335,000 -51.8% 0.0%
CIVIC FINANCIAL SERVICES, LLC $295,000 $335,000 13.6% 0.0%
NMSI, INC. $325,000 n/a 0.0%
RBC Bank, (Georgia) $325,000 n/a 0.0%
CELEBRITY HOME LOANS, LLC $665,000 $315,000 -52.6% 0.0%
VERITAS FUNDING, LLC $315,000 n/a 0.0%
Comerica Bank $145,000 $305,000 110.3% 0.0%
ROYAL UNITED MORTGAGE LLC $775,000 $305,000 -60.6% 0.0%
SUMMIT MORTGAGE CORPORATION $305,000 n/a 0.0%
T2 FINANCIAL LLC $305,000 n/a 0.0%
Waterstone Mortgage Corporation $305,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $590,000 $295,000 -50.0% 0.0%
WESCOM CENTRAL CREDIT UNION $295,000 n/a 0.0%
Charles Schwab Bank, SSB $285,000 n/a 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $285,000 n/a 0.0%
Meridian Bank Corporation $275,000 n/a 0.0%
REVERSE MORTGAGE FUNDING LLC $480,000 $275,000 -42.7% 0.0%
SIRVA MORTGAGE, INC. $275,000 n/a 0.0%
Stifel Bank and Trust $305,000 $275,000 -9.8% 0.0%
ADVANTIS $65,000 $270,000 315.4% 0.0%
Alaska USA Federal Credit Union $95,000 $265,000 178.9% 0.0%
CIS Financial Services, Inc. $265,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $265,000 n/a 0.0%
MEGASTAR FINANCIAL CORP. $265,000 $265,000 0.0% 0.0%
Northpointe Bank $265,000 $265,000 0.0% 0.0%
BRIDGELOCK CAPITAL $255,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $355,000 $255,000 -28.2% 0.0%
First Western Federal Savings Bank $245,000 n/a 0.0%
JMAC LENDING, INC. $365,000 $245,000 -32.9% 0.0%
MICHIGAN MUTUAL, INC. $245,000 n/a 0.0%
ROGUE $205,000 $245,000 19.5% 0.0%
Barrington Bank & Trust Company, N.A. $530,000 $235,000 -55.7% 0.0%
Merchants Bank of Indiana $510,000 $235,000 -53.9% 0.0%
Advisors Mortgage Group, L.L.C. $225,000 n/a 0.0%
DAS Acquisition Company, LLC $225,000 n/a 0.0%
Manufacturers and Traders Trust Company $225,000 n/a 0.0%
MISSION $225,000 n/a 0.0%
WESTERN EXPRESS LENDING $330,000 $225,000 -31.8% 0.0%
INTERNATIONAL CITY MORTGAGE, INC. $215,000 n/a 0.0%
VISION ONE MORTGAGE, INC. $215,000 n/a 0.0%
ACCELERATE MORTGAGE, LLC $205,000 n/a 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $255,000 $195,000 -23.5% 0.0%
QUORUM FEDERAL CREDIT UNION $190,000 n/a 0.0%
ALLIED MORTGAGE GROUP, INC. $185,000 n/a 0.0%
Paramount Bank $195,000 $185,000 -5.1% 0.0%
Capital Bank $175,000 n/a 0.0%
General Mortgage Capital Corporation $155,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $140,000 $155,000 10.7% 0.0%
Alerus Financial $145,000 n/a 0.0%
Chickasaw Community Bank $1,010,000 $145,000 -85.6% 0.0%
The Loan Store, Inc. $405,000 $145,000 -64.2% 0.0%
GEORGIA'S OWN $135,000 n/a 0.0%
TIAA, FSB $680,000 $135,000 -80.1% 0.0%
CHURCHILL MORTGAGE CORPORATION $115,000 n/a 0.0%
21ST MORTGAGE CORPORATION $330,000 $105,000 -68.2% 0.0%
TRIAD FINANCIAL SERVICES, INC. $35,000 $105,000 200.0% 0.0%
Figure Lending LLC $130,000 $80,000 -38.5% 0.0%
Operating Engineers Local Union #3 $945,000 $65,000 -93.1% 0.0%
CORNING $55,000 n/a 0.0%
KD CAPITAL MORTGAGE CORPORATION $55,000 n/a 0.0%
FIRST TECHNOLOGY $45,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $25,000 $25,000 0.0% 0.0%

Eureka - Arcata's top lender by overall market share is CALIBER HOME LOANS, INC., with 13.5% market share. In second place, with 12.1%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $137,575,000 in loans. In third place, with 8.6%, is QUICKEN LOANS, LLC, having originated $98,370,000 in loans. In third place, with 7.1%, is Umpqua Bank, having originated $81,085,000 in loans. In third place, with 5.0%, is FINANCE OF AMERICA MORTGAGE LLC, having originated $57,215,000 in loans.


Eureka-Arcata, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 1,665 $425,325,000 $255,450
Home Purchase 1,137 $414,095,000 $364,200
Cash Out Refi 995 $276,625,000 $278,015
Home Improvement 93 $11,185,000 $120,269
Other 76 $12,740,000 $167,632

Eureka - Arcata's most frequently cited loan purpose was Refi, with 1,665 originations. The 2nd most popular reason was Home Purchase, with 1,137 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,749 $499,695,000 $285,703
3-4% 1,284 $382,710,000 $298,061
<2.5% 771 $226,575,000 $293,872
4-5% 119 $24,255,000 $203,824
5-6% 24 $4,180,000 $174,167
6-7% 6 $460,000 $76,667
Over 8% 6 $880,000 $146,667
7-8% 2 $600,000 $300,000

During 2021, Eureka - Arcata's most frequently originated rate bucket was 2.5-3%, with 1,749 originations.

Loan Sizing (Eureka-Arcata, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 2,472 $706,350,000 $285,740
$100k-200k 784 $124,530,000 $158,839
$400k-600k 500 $236,140,000 $472,280
$100,000 or less 164 $10,210,000 $62,256
$600k-1000k 39 $27,275,000 $699,359
$Over $1MM 7 $35,465,000 $5,066,429

Eureka - Arcata's loan sizing saw the bucket of loans from $200k-400k with 2,472 originations, totaling $706,350,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,500 $491,550,000 $327,700
80-100% 945 $321,505,000 $340,217
40-60% 915 $220,925,000 $241,448
20-40% 346 $57,930,000 $167,428
Under 20% 126 $8,630,000 $68,492
Over 100% 23 $9,535,000 $414,565

Eureka - Arcata's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,500 originations, totaling $491,550,000 in origination value.


Market Conditions (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 $394,500 (6.8%) $587,871 (4.0%) 1.45 306
2018-02-01 $392,500 (4.7%) $576,708 (-12.4%) 1.42 318
2018-03-01 $399,000 (5.3%) $564,777 (0.2%) 1.38 341
2018-04-01 $401,950 (10.1%) $547,614 (-4.2%) 1.35 348
2018-05-01 $399,950 (6.1%) $521,199 (-23.5%) 1.33 400
2018-06-01 $379,000 (-2.7%) $560,928 (-9.7%) 1.26 459
2018-07-01 $379,000 (-1.6%) $557,413 (-1.1%) 1.26 464
2018-08-01 $379,950 (1.3%) $554,346 (8.5%) 1.27 483
2018-09-01 $389,000 (3.7%) $557,900 (4.7%) 1.30 479
2018-10-01 $374,250 (-1.6%) $544,884 (2.8%) 1.25 467
2018-11-01 $377,000 (-1.3%) $548,132 (5.5%) 1.26 449
2018-12-01 $375,000 (-1.1%) $554,290 (2.3%) 1.28 404
2019-01-01 $374,450 (-5.1%) $559,348 (-4.9%) 1.29 348
2019-02-01 $361,950 (-7.8%) $537,798 (-6.8%) 1.21 349
2019-03-01 $369,714 (-7.3%) $541,804 (-4.1%) 1.20 341
2019-04-01 $382,214 (-4.9%) $544,864 (-0.5%) 1.20 340
2019-05-01 $393,750 (-1.6%) $548,573 (5.3%) 1.21 360
2019-06-01 $389,000 (2.6%) $534,226 (-4.8%) 1.20 397
2019-07-01 $389,000 (2.6%) $537,265 (-3.6%) 1.21 408
2019-08-01 $383,000 (0.8%) $529,705 (-4.5%) 1.21 404
2019-09-01 $375,000 (-3.6%) $515,572 (-7.6%) 1.19 383
2019-10-01 $370,000 (-1.1%) $508,605 (-6.7%) 1.18 375
2019-11-01 $370,000 (-1.9%) $493,057 (-10.1%) 1.19 345
2019-12-01 $365,000 (-2.7%) $497,775 (-10.2%) 1.22 307
2020-01-01 $352,950 (-5.7%) $472,455 (-15.5%) 1.18 273
2020-02-01 $353,000 (-2.5%) $492,155 (-8.5%) 1.14 250
2020-03-01 $350,000 (-5.3%) $485,099 (-10.5%) 1.09 256
2020-04-01 $356,500 (-6.7%) $493,853 (-9.4%) 1.11 258
2020-05-01 $350,000 (-11.1%) $487,574 (-11.1%) 1.06 258
2020-06-01 $382,000 (-1.8%) $597,906 (11.9%) 1.12 224
2020-07-01 $385,000 (-1.0%) $645,236 (20.1%) 1.10 208
2020-08-01 $399,900 (4.4%) $677,721 (27.9%) 1.14 201
2020-09-01 $399,900 (6.6%) $688,634 (33.6%) 1.14 178
2020-10-01 $439,000 (18.7%) $712,337 (40.1%) 1.25 156
2020-11-01 $424,950 (14.9%) $707,459 (43.5%) 1.22 167
2020-12-01 $429,900 (17.8%) $704,218 (41.5%) 1.26 135
2021-01-01 $434,900 (23.2%) $720,612 (52.5%) 1.28 117
2021-02-01 $437,000 (23.8%) $778,396 (58.2%) 1.26 104
2021-03-01 $429,950 (22.8%) $722,443 (48.9%) 1.21 109
2021-04-01 $437,000 (22.6%) $675,916 (36.9%) 1.17 121
2021-05-01 $429,900 (22.8%) $669,327 (37.3%) 1.13 127
2021-06-01 $427,000 (11.8%) $691,175 (15.6%) 1.11 139
2021-07-01 $428,500 (11.3%) $711,969 (10.3%) 1.11 144
2021-08-01 $429,000 (7.3%) $709,366 (4.7%) 1.13 157
2021-09-01 $464,000 (16.0%) $737,325 (7.1%) 1.22 150
2021-10-01 $489,000 (11.4%) $764,783 (7.4%) 1.29 152
2021-11-01 $499,000 (17.4%) $827,292 (16.9%) 1.32 150
2021-12-01 $489,000 (13.8%) $783,893 (11.3%) 1.30 150
2022-01-01 $524,000 (20.5%) $869,831 (20.7%) 1.40 139
2022-02-01 $532,000 (21.7%) $849,210 (9.1%) 1.36 146
2022-03-01 $542,500 (26.2%) $812,869 (12.5%) 1.34 157
2022-04-01 $529,000 (21.1%) $819,541 (21.3%) 1.24 171
2022-05-01 $539,000 (25.4%) $813,732 (21.6%) 1.21 206
2022-06-01 $530,000 (24.1%) $779,965 (12.9%) 1.18 252
Eureka - Arcata's median listing price for 2022-06-01 was $530,000, a difference of $103,000 (24.1%) versus the prior year and $-9,000 versus the prior month.

Eureka - Arcata's median listing price comes in at 118% of the national average.

Eureka - Arcata's average listing price for 2022-06-01 was $779,965, a difference of $88,790 (12.9%) versus the prior year and $-33,767 versus the prior month.

For the 2022-06-01 period, Eureka - Arcata had 252 MLS listings, a difference of 46 listings (22%) versus the prior month and 113 listings (81%) 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 1,600 sqft
2018-02-01 75 days 1,600 sqft
2018-03-01 66 days 1,600 sqft
2018-04-01 62 days 1,603 sqft
2018-05-01 56 days 1,600 sqft
2018-06-01 59 days 1,600 sqft
2018-07-01 68 days 1,609 sqft
2018-08-01 72 days 1,627 sqft
2018-09-01 88 days 1,642 sqft
2018-10-01 90 days 1,600 sqft
2018-11-01 93 days 1,600 sqft
2018-12-01 93 days 1,600 sqft
2019-01-01 98 days 1,597 sqft
2019-02-01 98 days 1,537 sqft
2019-03-01 73 days 1,572 sqft
2019-04-01 63 days 1,620 sqft
2019-05-01 55 days 1,648 sqft
2019-06-01 56 days 1,635 sqft
2019-07-01 67 days 1,665 sqft
2019-08-01 75 days 1,635 sqft
2019-09-01 73 days 1,598 sqft
2019-10-01 77 days 1,571 sqft
2019-11-01 86 days 1,570 sqft
2019-12-01 89 days 1,541 sqft
2020-01-01 85 days 1,472 sqft
2020-02-01 74 days 1,502 sqft
2020-03-01 57 days 1,505 sqft
2020-04-01 71 days 1,556 sqft
2020-05-01 69 days 1,550 sqft
2020-06-01 71 days 1,600 sqft
2020-07-01 47 days 1,676 sqft
2020-08-01 42 days 1,750 sqft
2020-09-01 39 days 1,674 sqft
2020-10-01 49 days 1,800 sqft
2020-11-01 43 days 1,749 sqft
2020-12-01 59 days 1,709 sqft
2021-01-01 65 days 1,622 sqft
2021-02-01 48 days 1,715 sqft
2021-03-01 23 days 1,790 sqft
2021-04-01 21 days 1,623 sqft
2021-05-01 21 days 1,613 sqft
2021-06-01 19 days 1,543 sqft
2021-07-01 29 days 1,526 sqft
2021-08-01 27 days 1,500 sqft
2021-09-01 28 days 1,555 sqft
2021-10-01 25 days 1,607 sqft
2021-11-01 40 days 1,693 sqft
2021-12-01 59 days 1,575 sqft
2022-01-01 70 days 1,616 sqft
2022-02-01 57 days 1,609 sqft
2022-03-01 41 days 1,621 sqft
2022-04-01 39 days 1,602 sqft
2022-05-01 37 days 1,600 sqft
2022-06-01 39 days 1,629 sqft
Eureka - Arcata's median listing age (time on market) for 2022-06-01 was 39 days. This is 105% longer than the same period one year ago.

Eureka - Arcata's median square footage for active listings during the 2022-06-01 period was 1,629 sqft. One year prior, the average listing was 1,543 sqft.