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.).
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.
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.
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.
