Eureka - Arcata Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Eureka - Arcata averaged
6.83%
for the week of 2023-09-21, compared to the national average of
7.19% for the same period.
The average rate for the prior week (2023-09-14) was
6.72% and
one month ago for the week of 2023-08-17, the
average rate was 6.73%.
Eureka - Arcata's average rate one year ago was 5.66%.
For refis of the same type during the week of 2023-09-21, the average rate
was 6.46%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-09-21 | 7.19% |
| Eureka - Arcata 30 Year Fixed Rate | 2023-09-21 | 6.83% |
| Eureka - Arcata 30 Year Fixed Rate Refi | 2023-09-21 | 6.46% |
| Eureka - Arcata 15 Year Fixed Rate | 2023-09-21 | 6.64% |
| Eureka - Arcata 15 Year Fixed Rate Refi | 2023-09-21 | 6.94% |
| Eureka - Arcata 30 Year FHA | 2023-09-21 | 6.64% |
| Eureka - Arcata 30 Year FHA Refi | 2023-09-21 | 7.24% |
| Eureka - Arcata 30 Year USDA | 2023-09-21 | 6.82% |
| Eureka - Arcata 30 Year USDA Refi | 2023-09-21 | 7.22% |
| Eureka - Arcata 30 Year VA | 2023-09-21 | 7.02% |
| Eureka - Arcata 30 Year VA Refi | 2023-09-21 | 7.02% |
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 130 lenders originated 1,908
loans during 2022. The total origination value was $585,620,000, with an average loan value of
$306,929.
Eureka - Arcata's average closing costs are $5,896.
The top Eureka - Arcata lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
153 loans originated. Their average total fees are
$8,175, which is $1,031
lower than the next largest lender,
CALIBER HOME LOANS, INC..
The lowest fee Eureka - Arcata lenders (with over 10 loans originated) are
Wells Fargo Bank ($4,617), JPMorgan Chase Bank ($5,017), Tri Counties Bank ($5,114), Flagstar Bank, FSB ($5,278) and AMERICAN PACIFIC MORTGAGE CORPORATION ($5,859).
The lowest rate Eureka - Arcata lenders (with over 10 loans originated) are
LOANDEPOT.COM, LLC (3.82%), HOME POINT FINANCIAL CORPORATION (4.06%), JPMorgan Chase Bank (4.10%), Mr. Cooper ( Nationstar Mortgage ) (4.11%) and AMERISAVE MORTGAGE CORPORATION (4.24%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $137,575,000 | $76,960,000 | -44.1% | 13.1% |
| CALIBER HOME LOANS, INC. | $154,070,000 | $59,250,000 | -61.5% | 10.1% |
| QUICKEN LOANS, LLC | $98,370,000 | $41,895,000 | -57.4% | 7.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $48,710,000 | $39,375,000 | -19.2% | 6.7% |
| Umpqua Bank | $81,085,000 | $33,265,000 | -59.0% | 5.7% |
| FINANCE OF AMERICA MORTGAGE LLC | $57,215,000 | $30,265,000 | -47.1% | 5.2% |
| SUMMIT FUNDING, INC. | $32,015,000 | $25,120,000 | -21.5% | 4.3% |
| Florida Capital Bank | $34,505,000 | $23,775,000 | -31.1% | 4.1% |
| Tri Counties Bank | $20,730,000 | $15,925,000 | -23.2% | 2.7% |
| Paramount Residential Mortgage Group, Inc. | $14,850,000 | $14,825,000 | -0.2% | 2.5% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $780,000 | $12,070,000 | 1,447.4% | 2.1% |
| Wells Fargo Bank | $50,730,000 | $10,815,000 | -78.7% | 1.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $22,640,000 | $10,280,000 | -54.6% | 1.8% |
| LOANDEPOT.COM, LLC | $27,375,000 | $8,695,000 | -68.2% | 1.5% |
| U.S. Bank | $16,595,000 | $8,395,000 | -49.4% | 1.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $18,965,000 | $6,355,000 | -66.5% | 1.1% |
| Bank of America | $3,080,000 | $6,095,000 | 97.9% | 1.0% |
| HOME POINT FINANCIAL CORPORATION | $14,785,000 | $5,680,000 | -61.6% | 1.0% |
| AMERISAVE MORTGAGE CORPORATION | $9,445,000 | $5,240,000 | -44.5% | 0.9% |
| JPMorgan Chase Bank | $9,400,000 | $5,175,000 | -44.9% | 0.9% |
| Flagstar Bank, FSB | $6,180,000 | $4,620,000 | -25.2% | 0.8% |
| MOVEMENT MORTGAGE, LLC | $5,580,000 | $4,505,000 | -19.3% | 0.8% |
| GUILD MORTGAGE COMPANY | $3,605,000 | $4,460,000 | 23.7% | 0.8% |
| BROKER SOLUTIONS, INC. | $7,220,000 | $3,820,000 | -47.1% | 0.7% |
| Mortgage Research Center, LLC | $5,930,000 | $3,805,000 | -35.8% | 0.6% |
| BETTER MORTGAGE CORPORATION | $11,475,000 | $3,660,000 | -68.1% | 0.6% |
| PLAZA HOME MORTGAGE, INC. | $10,210,000 | $3,555,000 | -65.2% | 0.6% |
| MUFG Union Bank | $1,000,000 | $3,550,000 | 255.0% | 0.6% |
| Commerce Home Mortgage, Inc. | $4,745,000 | $3,335,000 | -29.7% | 0.6% |
| HOMEXPRESS MORTGAGE CORP. | $2,455,000 | $3,270,000 | 33.2% | 0.6% |
| Morgan Stanley Private Bank | $1,405,000 | $3,175,000 | 126.0% | 0.5% |
| PENNYMAC LOAN SERVICES, LLC | $17,540,000 | $3,090,000 | -82.4% | 0.5% |
| USAA Federal Savings Bank | $2,295,000 | $2,640,000 | 15.0% | 0.5% |
| NEW DAY FINANCIAL, LLC | $930,000 | $2,570,000 | 176.3% | 0.4% |
| Charles Schwab Bank, SSB | $285,000 | $2,245,000 | 687.7% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $4,675,000 | $2,185,000 | -53.3% | 0.4% |
| EVERETT FINANCIAL, INC. | $2,055,000 | n/a | 0.4% | |
| GUARANTEED RATE, INC. | $6,080,000 | $2,035,000 | -66.5% | 0.3% |
| Truist | $1,055,000 | $1,940,000 | 83.9% | 0.3% |
| KeyBank | $1,100,000 | $1,885,000 | 71.4% | 0.3% |
| NEWREZ LLC | $8,410,000 | $1,845,000 | -78.1% | 0.3% |
| Sierra Pacific Mortgage Company, Inc. | $2,430,000 | $1,775,000 | -27.0% | 0.3% |
| FREEDOM MORTGAGE CORPORATION | $25,370,000 | $1,615,000 | -93.6% | 0.3% |
| PATELCO | $530,000 | $1,610,000 | 203.8% | 0.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,450,000 | $1,495,000 | -39.0% | 0.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,150,000 | $1,450,000 | -32.6% | 0.2% |
| AMERICAN ADVISORS GROUP | $505,000 | $1,445,000 | 186.1% | 0.2% |
| PNC Bank | $795,000 | $1,440,000 | 81.1% | 0.2% |
| Stifel Bank and Trust | $275,000 | $1,415,000 | 414.5% | 0.2% |
| 21ST MORTGAGE CORPORATION | $105,000 | $1,405,000 | 1,238.1% | 0.2% |
| Provident Credit Union | $3,495,000 | $1,350,000 | -61.4% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $4,310,000 | $1,310,000 | -69.6% | 0.2% |
| NETWORK CAPITAL FUNDING CORPORATION | $1,690,000 | $1,300,000 | -23.1% | 0.2% |
| ACADEMY MORTGAGE CORPORATION | $2,205,000 | $1,265,000 | -42.6% | 0.2% |
| PLANET HOME LENDING, LLC | $1,225,000 | $1,265,000 | 3.3% | 0.2% |
| SOFI LENDING CORP. | $1,090,000 | $1,190,000 | 9.2% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $4,450,000 | $1,185,000 | -73.4% | 0.2% |
| First Republic Bank | $785,000 | $1,175,000 | 49.7% | 0.2% |
| OCMBC, INC. | $400,000 | $1,095,000 | 173.8% | 0.2% |
| TRAVIS CREDIT UNION | $1,040,000 | n/a | 0.2% | |
| Magnolia Bank | $615,000 | $1,035,000 | 68.3% | 0.2% |
| LENDSURE MORTGAGE CORP. | $1,010,000 | n/a | 0.2% | |
| PHH Mortgage Corporation | $1,125,000 | $995,000 | -11.6% | 0.2% |
| MID AMERICA MORTGAGE, INC. | $3,415,000 | $985,000 | -71.2% | 0.2% |
| AMERICAN INTERNET MORTGAGE, INC. | $2,160,000 | $950,000 | -56.0% | 0.2% |
| Arvest Bank | $360,000 | $950,000 | 163.9% | 0.2% |
| Watermark Capital, Inc. | $2,085,000 | $890,000 | -57.3% | 0.2% |
| Carrington Mortgage Services, LLC | $2,185,000 | $860,000 | -60.6% | 0.1% |
| IMPAC MORTGAGE CORP. | $1,090,000 | $840,000 | -22.9% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $835,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $380,000 | $815,000 | 114.5% | 0.1% |
| AMWEST FUNDING CORP. | $335,000 | $810,000 | 141.8% | 0.1% |
| TJC Mortgage, Inc. | $800,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $455,000 | $790,000 | 73.6% | 0.1% |
| S1L, Inc. | $1,010,000 | $770,000 | -23.8% | 0.1% |
| RESIDENTIAL BANCORP. | $760,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $780,000 | $750,000 | -3.8% | 0.1% |
| MICHIGAN MUTUAL, INC. | $245,000 | $745,000 | 204.1% | 0.1% |
| AXIA FINANCIAL, LLC | $740,000 | n/a | 0.1% | |
| Ally Bank | $1,260,000 | $725,000 | -42.5% | 0.1% |
| COMMUNITY MORTGAGE FUNDING, LLC | $705,000 | n/a | 0.1% | |
| Wyndham Capital Mortgage, Inc. | $1,130,000 | $670,000 | -40.7% | 0.1% |
| BMO Harris Bank | $665,000 | n/a | 0.1% | |
| STANFORD Federal Credit Union | $405,000 | $665,000 | 64.2% | 0.1% |
| Equity Prime Mortgage LLC | $770,000 | $660,000 | -14.3% | 0.1% |
| PACIFIC SERVICE | $805,000 | $645,000 | -19.9% | 0.1% |
| ATHAS CAPITAL GROUP, INC. | $590,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $155,000 | $585,000 | 277.4% | 0.1% |
| THE GOLDEN 1 | $865,000 | $580,000 | -32.9% | 0.1% |
| Citizens Bank | $395,000 | $555,000 | 40.5% | 0.1% |
| FIRST ENTERTAINMENT | $545,000 | n/a | 0.1% | |
| Greenbox Loans, Inc. | $545,000 | n/a | 0.1% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $535,000 | n/a | 0.1% | |
| SCHOOLSFIRST | $975,000 | $530,000 | -45.6% | 0.1% |
| LANTZMAN MANAGEMENT, INC. | $520,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $105,000 | $510,000 | 385.7% | 0.1% |
| Franklin Loan Corporation | $415,000 | $505,000 | 21.7% | 0.1% |
| NBKC BANK | $1,645,000 | $505,000 | -69.3% | 0.1% |
| Raymond James Bank | $505,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $615,000 | $485,000 | -21.1% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $345,000 | $485,000 | 40.6% | 0.1% |
| STAR ONE CREDIT UNION | $1,530,000 | $480,000 | -68.6% | 0.1% |
| AUGUSTA FINANCIAL, INC. | $475,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $235,000 | $475,000 | 102.1% | 0.1% |
| LADERA LENDING, INC. | $1,345,000 | $470,000 | -65.1% | 0.1% |
| REDWOOD | $1,830,000 | $460,000 | -74.9% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $890,000 | $455,000 | -48.9% | 0.1% |
| PARTNERS UNITED FINANCIAL, LLC | $455,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $665,000 | $455,000 | -31.6% | 0.1% |
| BOKF | $445,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $1,070,000 | $445,000 | -58.4% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $115,000 | $435,000 | 278.3% | 0.1% |
| Chicago Mortgage Solutions LLC | $430,000 | n/a | 0.1% | |
| CIVIC FINANCIAL SERVICES, LLC | $335,000 | $425,000 | 26.9% | 0.1% |
| FirstBank | $730,000 | $425,000 | -41.8% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $425,000 | n/a | 0.1% | |
| NEW WAVE LENDING GROUP INC | $415,000 | n/a | 0.1% | |
| North American Savings Bank, F.S.B. | $2,420,000 | $405,000 | -83.3% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,290,000 | $405,000 | -68.6% | 0.1% |
| Unitus Community Credit Union | $405,000 | n/a | 0.1% | |
| Waterstone Mortgage Corporation | $305,000 | $395,000 | 29.5% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,815,000 | $390,000 | -89.8% | 0.1% |
| First Savings Bank | $415,000 | $385,000 | -7.2% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $375,000 | n/a | 0.1% | |
| CORNERSTONE HOME LENDING, INC. | $1,150,000 | $375,000 | -67.4% | 0.1% |
| Commerce Bank | $365,000 | n/a | 0.1% | |
| JMAC LENDING, INC. | $245,000 | $365,000 | 49.0% | 0.1% |
| ARC HOME LLC | $635,000 | $355,000 | -44.1% | 0.1% |
| COUNTRY CLUB MORTGAGE, INC. | $355,000 | n/a | 0.1% | |
| INFINITY EQUITY GROUP, INC. | $355,000 | n/a | 0.1% | |
| OAKTREE FUNDING CORP. | $355,000 | n/a | 0.1% | |
| Discover Bank | $735,000 | $340,000 | -53.7% | 0.1% |
| AHL FUNDING | $335,000 | n/a | 0.1% | |
| ALTURA | $335,000 | n/a | 0.1% | |
| CHERRY CREEK MORTGAGE, LLC | $1,725,000 | $335,000 | -80.6% | 0.1% |
| CENTRAL COAST LENDING, INC. | $325,000 | n/a | 0.1% | |
| LBS FINANCIAL | $315,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $265,000 | $315,000 | 18.9% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $255,000 | $315,000 | 23.5% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $410,000 | $310,000 | -24.4% | 0.1% |
| Figure Lending LLC | $80,000 | $310,000 | 287.5% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $445,000 | $305,000 | -31.5% | 0.1% |
| First-Citizens Bank & Trust Company | $305,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $3,630,000 | $300,000 | -91.7% | 0.1% |
| Nations Lending Corporation | $2,510,000 | $300,000 | -88.0% | 0.1% |
| Operating Engineers Local Union #3 | $65,000 | $295,000 | 353.8% | 0.1% |
| ALLIED MORTGAGE GROUP, INC. | $185,000 | $285,000 | 54.1% | 0.0% |
| First Guaranty Mortgage Corporation | $930,000 | $285,000 | -69.4% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $275,000 | n/a | 0.0% | |
| Luxury Mortgage Corp. | $565,000 | $275,000 | -51.3% | 0.0% |
| NMSI, INC. | $325,000 | $275,000 | -15.4% | 0.0% |
| Sound Community Bank | $265,000 | n/a | 0.0% | |
| HighTechLending Inc | $430,000 | $255,000 | -40.7% | 0.0% |
| Logan Finance Corporation | $255,000 | n/a | 0.0% | |
| MOUNTAIN WEST FINANCIAL, INC. | $715,000 | $255,000 | -64.3% | 0.0% |
| REVERSE MORTGAGE FUNDING LLC | $275,000 | $255,000 | -7.3% | 0.0% |
| SUMMIT MORTGAGE CORPORATION | $305,000 | $255,000 | -16.4% | 0.0% |
| VISION ONE MORTGAGE, INC. | $215,000 | $255,000 | 18.6% | 0.0% |
| ALLIANT CREDIT UNION | $775,000 | $250,000 | -67.7% | 0.0% |
| Silicon Valley Bank | $245,000 | n/a | 0.0% | |
| The Huntington National Bank | $245,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $720,000 | $225,000 | -68.8% | 0.0% |
| LOGIX FEDERAL CREDIT UNION | $220,000 | n/a | 0.0% | |
| Loan Simple, Inc. | $215,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $215,000 | n/a | 0.0% | |
| Mechanics Bank | $205,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $205,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $440,000 | $195,000 | -55.7% | 0.0% |
| HomeStreet Bank | $185,000 | n/a | 0.0% | |
| LOANLEADERS OF AMERICA, INC. | $355,000 | $185,000 | -47.9% | 0.0% |
| DRAPER AND KRAMER MORTGAGE CORP. | $175,000 | n/a | 0.0% | |
| First National Bank of America | $165,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $155,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $295,000 | $145,000 | -50.8% | 0.0% |
| BAY | $115,000 | n/a | 0.0% | |
| FIRST TECHNOLOGY | $45,000 | $105,000 | 133.3% | 0.0% |
| GTE Federal Credit Union | $85,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $305,000 | $75,000 | -75.4% | 0.0% |
Eureka - Arcata's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 13.1% market share. In second place, with 10.1%, is CALIBER HOME LOANS, INC., having originated $59,250,000 in loans. In third place, with 7.2%, is QUICKEN LOANS, LLC, having originated $41,895,000 in loans. In fourth place, with 6.7%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $39,375,000 in loans. In fifth place, with 5.7%, is Umpqua Bank, having originated $33,265,000 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%) | $633,125 (6.6%) | 1.58 | 339 |
| 2018-02-01 | $425,000 (13.3%) | $626,199 (-7.3%) | 1.54 | 358 |
| 2018-03-01 | $425,000 (8.0%) | $611,703 (-0.8%) | 1.49 | 378 |
| 2018-04-01 | $425,000 (11.9%) | $588,837 (-6.5%) | 1.44 | 386 |
| 2018-05-01 | $421,000 (5.5%) | $555,169 (-22.9%) | 1.41 | 439 |
| 2018-06-01 | $399,000 (-0.9%) | $553,938 (-17.9%) | 1.33 | 492 |
| 2018-07-01 | $394,250 (-1.4%) | $547,116 (-11.6%) | 1.32 | 491 |
| 2018-08-01 | $395,000 (0.8%) | $543,422 (-3.3%) | 1.32 | 510 |
| 2018-09-01 | $389,900 (0.0%) | $539,610 (-6.4%) | 1.31 | 507 |
| 2018-10-01 | $377,250 (-5.3%) | $529,419 (-8.9%) | 1.28 | 492 |
| 2018-11-01 | $382,425 (-4.2%) | $530,496 (-7.3%) | 1.30 | 474 |
| 2018-12-01 | $379,000 (-5.0%) | $529,875 (-11.5%) | 1.31 | 427 |
| 2019-01-01 | $376,625 (-11.4%) | $526,483 (-16.8%) | 1.30 | 375 |
| 2019-02-01 | $369,000 (-13.2%) | $514,051 (-17.9%) | 1.25 | 380 |
| 2019-03-01 | $375,857 (-11.6%) | $528,520 (-13.6%) | 1.23 | 377 |
| 2019-04-01 | $385,000 (-9.4%) | $544,318 (-7.6%) | 1.22 | 380 |
| 2019-05-01 | $397,000 (-5.7%) | $548,403 (-1.2%) | 1.24 | 399 |
| 2019-06-01 | $395,000 (-1.0%) | $542,476 (-2.1%) | 1.23 | 432 |
| 2019-07-01 | $389,450 (-1.2%) | $542,150 (-0.9%) | 1.22 | 445 |
| 2019-08-01 | $383,818 (-2.8%) | $538,868 (-0.8%) | 1.22 | 441 |
| 2019-09-01 | $376,045 (-3.6%) | $527,831 (-2.2%) | 1.20 | 421 |
| 2019-10-01 | $370,000 (-1.9%) | $515,039 (-2.7%) | 1.19 | 401 |
| 2019-11-01 | $368,863 (-3.6%) | $502,823 (-5.2%) | 1.21 | 365 |
| 2019-12-01 | $360,463 (-4.9%) | $503,476 (-5.0%) | 1.20 | 324 |
| 2020-01-01 | $354,500 (-5.9%) | $486,348 (-7.6%) | 1.18 | 286 |
| 2020-02-01 | $350,000 (-5.2%) | $506,868 (-1.4%) | 1.15 | 266 |
| 2020-03-01 | $352,500 (-6.2%) | $499,384 (-5.5%) | 1.11 | 274 |
| 2020-04-01 | $360,475 (-6.4%) | $495,289 (-9.0%) | 1.13 | 270 |
| 2020-05-01 | $357,000 (-10.1%) | $485,619 (-11.5%) | 1.09 | 269 |
| 2020-06-01 | $377,500 (-4.4%) | $581,452 (7.2%) | 1.11 | 235 |
| 2020-07-01 | $379,000 (-2.7%) | $622,921 (14.9%) | 1.10 | 217 |
| 2020-08-01 | $399,250 (4.0%) | $641,777 (19.1%) | 1.14 | 210 |
| 2020-09-01 | $399,375 (6.2%) | $659,244 (24.9%) | 1.14 | 188 |
| 2020-10-01 | $425,000 (14.9%) | $684,059 (32.8%) | 1.22 | 162 |
| 2020-11-01 | $422,225 (14.5%) | $691,846 (37.6%) | 1.23 | 171 |
| 2020-12-01 | $428,225 (18.8%) | $685,903 (36.2%) | 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 (52.2%) | 1.25 | 103 |
| 2021-03-01 | $427,450 (21.3%) | $732,215 (46.6%) | 1.21 | 110 |
| 2021-04-01 | $444,475 (23.3%) | $704,625 (42.3%) | 1.20 | 124 |
| 2021-05-01 | $429,900 (20.4%) | $674,760 (39.0%) | 1.14 | 133 |
| 2021-06-01 | $434,100 (15.0%) | $710,684 (22.2%) | 1.14 | 149 |
| 2021-07-01 | $449,000 (18.5%) | $725,572 (16.5%) | 1.18 | 158 |
| 2021-08-01 | $449,750 (12.7%) | $724,320 (12.9%) | 1.20 | 175 |
| 2021-09-01 | $470,475 (17.8%) | $753,658 (14.3%) | 1.25 | 165 |
| 2021-10-01 | $493,000 (16.0%) | $776,367 (13.5%) | 1.31 | 168 |
| 2021-11-01 | $519,500 (23.0%) | $819,265 (18.4%) | 1.39 | 169 |
| 2021-12-01 | $499,000 (16.5%) | $775,383 (13.1%) | 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 | $539,609 (25.5%) | $791,898 (17.4%) | 1.23 | 233 |
| 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 (-17.4%) | 1.13 | 274 |
| 2023-06-01 | $489,450 (-8.1%) | $622,443 (-17.7%) | 1.10 | 321 |
| 2023-07-01 | $489,000 (-2.0%) | $620,709 (-8.7%) | 1.11 | 346 |
| 2023-08-01 | $492,450 (-1.1%) | $624,764 (-6.4%) | 1.13 | 345 |
Eureka - Arcata's median listing price comes in at 113% of the national average.
Eureka - Arcata's average listing price for 2023-08-01 was $624,764, a difference of $-42,878 (-6.4%) versus the prior year and $4,055 versus the prior month.
For the 2023-08-01 period, Eureka - Arcata had 345 MLS listings, a difference of -1 listings (0%) versus the prior month and 21 listings (6%) 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 | 1,552 sqft |
| 2018-02-01 | 77 days | 1,553 sqft |
| 2018-03-01 | 69 days | 1,556 sqft |
| 2018-04-01 | 68 days | 1,583 sqft |
| 2018-05-01 | 59 days | 1,566 sqft |
| 2018-06-01 | 61 days | 1,571 sqft |
| 2018-07-01 | 71 days | 1,593 sqft |
| 2018-08-01 | 74 days | 1,602 sqft |
| 2018-09-01 | 83 days | 1,600 sqft |
| 2018-10-01 | 83 days | 1,583 sqft |
| 2018-11-01 | 87 days | 1,594 sqft |
| 2018-12-01 | 88 days | 1,597 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 | 1,629 sqft |
| 2019-08-01 | 70 days | 1,587 sqft |
| 2019-09-01 | 75 days | 1,567 sqft |
| 2019-10-01 | 77 days | 1,553 sqft |
| 2019-11-01 | 83 days | 1,553 sqft |
| 2019-12-01 | 88 days | 1,538 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 | 1,574 sqft |
| 2020-05-01 | 67 days | 1,550 sqft |
| 2020-06-01 | 63 days | 1,597 sqft |
| 2020-07-01 | 45 days | 1,639 sqft |
| 2020-08-01 | 38 days | 1,658 sqft |
| 2020-09-01 | 38 days | 1,651 sqft |
| 2020-10-01 | 49 days | 1,789 sqft |
| 2020-11-01 | 39 days | 1,697 sqft |
| 2020-12-01 | 59 days | 1,682 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 | 1,594 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 | 1,572 sqft |
| 2023-07-01 | 52 days | 1,600 sqft |
| 2023-08-01 | 66 days | 1,648 sqft |
Eureka - Arcata's median square footage for active listings during the 2023-08-01 period was 1,648 sqft. One year prior, the average listing was 1,513 sqft.
Eureka-Arcata, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 898 | $325,140,000 | $362,071 |
| Cash Out Refi | 503 | $152,615,000 | $303,410 |
| Refi | 268 | $71,510,000 | $266,828 |
| Home Improvement | 130 | $15,470,000 | $119,000 |
| Other | 108 | $20,580,000 | $190,556 |
| NA | 1 | $305,000 | $305,000 |
Eureka - Arcata's most frequently cited loan purpose was Home Purchase, with 898 originations. The 2nd most popular reason was Cash Out Refi, with 503 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 506 | $159,820,000 | $315,850 |
| 4-5% | 464 | $159,910,000 | $344,634 |
| 5-6% | 374 | $120,260,000 | $321,551 |
| 2.5-3% | 220 | $57,130,000 | $259,682 |
| 6-7% | 186 | $52,610,000 | $282,849 |
| 7-8% | 68 | $17,960,000 | $264,118 |
| <2.5% | 48 | $11,900,000 | $247,917 |
| Over 8% | 42 | $6,030,000 | $143,571 |
During 2022, Eureka - Arcata's most frequently originated rate bucket was 3-4%, with 506 originations.
Loan Sizing (Eureka-Arcata, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 970 | $286,960,000 | $295,835 |
| $400k-600k | 376 | $177,510,000 | $472,101 |
| $100k-200k | 321 | $47,445,000 | $147,804 |
| $100,000 or less | 164 | $9,850,000 | $60,061 |
| $600k-1000k | 63 | $41,655,000 | $661,190 |
| $Over $1MM | 14 | $22,200,000 | $1,585,714 |
Eureka - Arcata's loan sizing saw the bucket of loans from $200k-400k with 970 originations, totaling $286,960,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 559 | $203,725,000 | $364,445 |
| 80-100% | 548 | $213,860,000 | $390,255 |
| 40-60% | 368 | $109,410,000 | $297,310 |
| 20-40% | 245 | $40,545,000 | $165,490 |
| Under 20% | 172 | $12,360,000 | $71,860 |
| Over 100% | 8 | $3,420,000 | $427,500 |
Eureka - Arcata's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 559 originations, totaling $203,725,000 in origination value.