Eureka - Arcata Mortgage Rates & Closing Costs

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

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%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Eureka-Arcata, CA.

Eureka - Arcata Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Eureka-Arcata, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 153 4.71% $8,175
CALIBER HOME LOANS, INC. 134 4.33% $9,207
QUICKEN LOANS, LLC 91 4.59% $8,384
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 83 4.89% $7,084
FINANCE OF AMERICA MORTGAGE LLC 71 4.75% $7,071
Florida Capital Bank 56 4.86% $6,319
SUMMIT FUNDING, INC. 45 5.27% $8,895
Paramount Residential Mortgage Group, Inc. 30 4.71% $9,440
Wells Fargo Bank 22 4.24% $4,617
Umpqua Bank 21 4.35% $7,007
LOANDEPOT.COM, LLC 21 3.82% $6,634
AMERICAN PACIFIC MORTGAGE CORPORATION 20 4.61% $5,859
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 19 4.97% $8,141
Tri Counties Bank 18 5.17% $5,114
Mr. Cooper ( Nationstar Mortgage ) 16 4.11% $8,286
HOME POINT FINANCIAL CORPORATION 13 4.06% $7,655
Flagstar Bank, FSB 12 4.37% $5,278
JPMorgan Chase Bank 10 4.10% $5,017
AMERISAVE MORTGAGE CORPORATION 10 4.24% $7,494
U.S. Bank 9 4.96% $5,017
GUILD MORTGAGE COMPANY 8 4.42% $7,234
MOVEMENT MORTGAGE, LLC 8 4.58% $4,480
Bank of America 7 3.77% $6,402
BETTER MORTGAGE CORPORATION 6 4.06% $7,998
BROKER SOLUTIONS, INC. 6 4.42% $5,566
PLAZA HOME MORTGAGE, INC. 6 4.92% $10,016
GUARANTEED RATE, INC. 6 4.83% $5,056
Morgan Stanley Private Bank 5 4.75% $3,830
NETWORK CAPITAL FUNDING CORPORATION 5 5.35% $4,150
PENNYMAC LOAN SERVICES, LLC 5 4.42% $5,847
CROSSCOUNTRY MORTGAGE, LLC 5 4.71% $5,417
Truist 4 4.40% $5,034
NEWREZ LLC 4 4.63% $3,713
EVERETT FINANCIAL, INC. 4 5.00% $3,197
RESIDENTIAL BANCORP 4 5.81% $7,000
MUFG Union Bank 4 3.34% $4,661
PROVIDENT FUNDING ASSOCIATES, L.P. 4 5.22% $4,737
MICHIGAN MUTUAL, INC. 3 4.41% $4,229
Carrington Mortgage Services, LLC 3 4.25% $6,881
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 5.38% $7,118
KeyBank 3 3.75% $4,661
Charles Schwab Bank, SSB 3 3.71% $3,385
HOMEXPRESS MORTGAGE CORP. 3 6.75% $14,950
Commerce Home Mortgage, Inc. 3 4.74% $7,685
PLANET HOME LENDING, LLC 3 3.12% $7,569
PATELCO 3 4.29% $6,662
Stifel Bank and Trust 2 3.88% $2,424
Provident Credit Union 2 3.50% $1,862
FREEDOM MORTGAGE CORPORATION 2 5.50% $7,676
Arvest Bank 2 3.69% $13,077
S1L, Inc. 2 5.50% $6,243
GUARANTEED RATE AFFINITY, LLC 2 5.06% $5,102
Sierra Pacific Mortgage Company, Inc. 2 3.63% $4,880
ZILLOW HOME LOANS, LLC 2 4.19% $10,594
CARDINAL FINANCIAL 2 3.62% $3,593
AMERICAN FINANCING CORPORATION 2 5.00% $7,669
Chicago Mortgage Solutions LLC 2 2.93% $2,223
PNC Bank 2 4.13% $4,771
Ally Bank 2 3.69% $6,320
AMERICAN INTERNET MORTGAGE, INC. 2 5.81% $11,907
AXIA FINANCIAL, LLC 2 4.94% $7,135
TRAVIS CREDIT UNION 2 3.31% $4,522
COMMUNITY MORTGAGE FUNDING, LLC 2 4.38% $4,552
LADERA LENDING, INC. 2 3.75% $7,033
Watermark Capital, Inc. 2 4.75% $7,618
North American Savings Bank, F.S.B. 1 7.38% $1,629
ACADEMY MORTGAGE CORPORATION 1 4.50% $9,780
AHL FUNDING 1 3.88% $12,009
ALTURA 1 5.25% $3,807
AmeriHome Mortgage Company, LLC 1 4.75% $7,221
ARC HOME LLC 1 3.75% $8,445
AUGUSTA FINANCIAL, INC. 1 5.75% $16,863
Barrington Bank & Trust Company, N.A. 1 5.25% $3,769
BMO Harris Bank 1 4.38% $6,406
BOKF 1 5.38% $4,687
CALCON MUTUAL MORTGAGE LLC 1 4.63% $14,741
CENTRAL COAST LENDING, INC. 1 4.13% $4,659
CHURCHILL MORTGAGE CORPORATION 1 5.63% $4,541
Citizens Bank 1 6.50% $2,946
Commerce Bank 1 3.25% $3,319
COUNTRY CLUB MORTGAGE, INC. 1 5.63% $9,797
DRAPER AND KRAMER MORTGAGE CORP. 1 3.63% $3,184
FirstBank 1 2.88% $4,349
First-Citizens Bank & Trust Company 1 5.53% $4,051
FIRST ENTERTAINMENT 1 5.00% $6,191
First Guaranty Mortgage Corporation 1 4.88% $11,991
First National Bank of America 1 7.38% $6,934
First Republic Bank 1 3.85% $2,911
Franklin Loan Corporation 1 5.63% $7,301
Greenbox Loans, Inc. 1 6.00% $17,999
HomeStreet Bank 1 5.50% $6,922
IMPAC MORTGAGE CORP. 1 3.63% $8,505
INFINITY EQUITY GROUP, INC. 1 5.99% $13,146
JMAC LENDING, INC. 1 3.38% $5,039
LAKEVIEW LOAN SERVICING, LLC 1 3.38% $1,595
LBS FINANCIAL 1 5.13% $4,261
Luxury Mortgage Corp. 1 4.88% $0
Mechanics Bank 1 4.88% $3,850
MOUNTAIN WEST FINANCIAL, INC. 1 3.25% $5,739
MUTUAL OF OMAHA MORTGAGE, INC. 1 3.13% $4,159
Nations Lending Corporation 1 3.99% $2,498
NATIONWIDE MORTGAGE BANKERS, INC. 1 4.25% $16,303
NAVY FEDERAL CREDIT UNION 1 5.38% $4,504
NEW WAVE LENDING GROUP INC 1 4.25% $5,437
NMSI, INC. 1 5.38% $9,356
21ST MORTGAGE CORPORATION 1 5.99% $8,227
OCMBC, INC. 1 9.88% $10,214
Operating Engineers Local Union #3 1 2.88% $4,252
PACIFIC SERVICE 1 3.88% $4,394
PARTNERS UNITED FINANCIAL, LLC 1 3.99% $7,743
PENTAGON FEDERAL CREDIT UNION 1 5.13% $4,575
PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.13% $15,025
Raymond James Bank 1 4.88% $3,611
REDWOOD 1 3.88% $3,577
ROYAL UNITED MORTGAGE LLC 1 6.50% $5,396
SCHOOLSFIRST 1 5.38% $3,328
Silicon Valley Bank 1 3.63% $4,958
SOFI LENDING CORP. 1 3.88% $7,422
Sound Community Bank 1 3.75% $5,688
SOVEREIGN LENDING GROUP INCORPORATED 1 2.88% $7,863
STANFORD Federal Credit Union 1 3.13% $10,729
State Department Federal Credit Union 1 3.25% $6,333
THE GOLDEN 1 1 4.88% $4,046
The Huntington National Bank 1 5.38% $4,843
Third Federal Savings and Loan Association of Cleveland 1 1.99% $2,922
TJC Mortgage, Inc. 1 5.63% $18,001
Unitus Community Credit Union 1 4.63% $4,850
USAA Federal Savings Bank 1 4.88% $8,871
VISION ONE MORTGAGE, INC. 1 5.38% $10,405
Waterstone Mortgage Corporation 1 3.38% $4,732

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 for 2023-08-01 was $492,450, a difference of $-5,550 (-1.1%) versus the prior year and $3,450 versus the prior month.

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 listing age (time on market) for 2023-08-01 was 66 days. This is 26% longer than the same period one year ago.

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.