Eureka - Arcata Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Eureka - Arcata averaged
7.26%
for the week of 2024-04-18, compared to the national average of
7.1% for the same period.
The average rate for the prior week (2024-04-11) was
6.84% and
one month ago for the week of 2024-03-14, the
average rate was 7%.
Eureka - Arcata's average rate one year ago was 6.43%.
For refis of the same type during the week of 2024-04-18, the average rate
was 7.5%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-04-18 | 7.1% |
| Eureka - Arcata 30 Year Fixed Rate | 2024-04-18 | 7.26% |
| Eureka - Arcata 30 Year Fixed Rate Refi | 2024-04-18 | 7.5% |
| Eureka - Arcata 15 Year Fixed Rate | 2024-04-18 | 6.59% |
| Eureka - Arcata 15 Year Fixed Rate Refi | 2024-04-18 | 6.69% |
| Eureka - Arcata 30 Year FHA | 2024-04-18 | 6.78% |
| Eureka - Arcata 30 Year FHA Refi | 2024-04-18 | 6.66% |
| Eureka - Arcata 30 Year USDA | 2024-04-18 | 6.96% |
| Eureka - Arcata 30 Year USDA Refi | 2024-04-18 | 6.96% |
| Eureka - Arcata 30 Year VA | 2024-04-18 | 6.86% |
| Eureka - Arcata 30 Year VA Refi | 2024-04-18 | 6.66% |
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.).
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 |
Eureka - Arcata's median listing price comes in at 0% of the national average.
Eureka - Arcata's average listing price for 2024-03-01 was $553,601, a difference of $-83,835 (-13.2%) versus the prior year and $4,629 versus the prior month.
For the 2024-03-01 period, Eureka - Arcata had 310 MLS listings, a difference of 15 listings (5%) versus the prior month and 56 listings (22%) 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 |
Eureka - Arcata's median square footage for active listings during the 2024-03-01 period was 1,500 sqft. One year prior, the average listing was 1,524 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.