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 6.28% for the week of 2024-10-10, compared to the national average of 6.32% for the same period.

The average rate for the prior week (2024-10-03) was 6.18% and one month ago for the week of 2024-09-05, the average rate was 6.41%.

Eureka - Arcata's average rate one year ago was 7.45%.

For refis of the same type during the week of 2024-10-10, the average rate was 6.82%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-10 6.32%
Eureka - Arcata 30 Year Fixed Rate 2024-10-10 6.28%
Eureka - Arcata 30 Year Fixed Rate Refi 2024-10-10 6.82%
Eureka - Arcata 15 Year Fixed Rate 2024-10-10 5.31%
Eureka - Arcata 15 Year Fixed Rate Refi 2024-10-10 5.51%
Eureka - Arcata 30 Year FHA 2024-10-10 6.03%
Eureka - Arcata 30 Year FHA Refi 2024-10-10 5.9%
Eureka - Arcata 30 Year USDA 2024-10-10 5.88%
Eureka - Arcata 30 Year USDA Refi 2024-10-10 5.88%
Eureka - Arcata 30 Year VA 2024-10-10 6.05%
Eureka - Arcata 30 Year VA Refi 2024-10-10 5.85%
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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 84 6.77% $8,576
American Mortgage & Equity Consultants, Inc. 60 6.90% $9,941
SUMMIT FUNDING, INC. 49 7.04% $11,324
QUICKEN LOANS, LLC 43 6.61% $8,902
Florida Capital Bank 37 6.94% $7,232
Paramount Residential Mortgage Group, Inc. 30 6.70% $9,142
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 29 6.85% $8,778
Tri Counties Bank 17 6.41% $5,628
ACADEMY MORTGAGE CORPORATION 15 6.98% $7,334
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 12 6.75% $8,973
U.S. Bank 8 6.77% $5,166
BROKER SOLUTIONS, INC. 7 6.85% $10,528
PROVIDENT FUNDING ASSOCIATES, L.P. 7 6.95% $4,304
JPMorgan Chase Bank 6 6.56% $6,866
Bank of America 6 6.50% $5,780
Wells Fargo Bank 4 7.00% $5,629
AMERISAVE MORTGAGE CORPORATION 4 5.81% $8,815
CROSSCOUNTRY MORTGAGE, LLC 4 6.73% $9,428
LOANDEPOT.COM, LLC 4 7.59% $8,436
PENNYMAC LOAN SERVICES, LLC 4 6.97% $9,864
PLAZA HOME MORTGAGE, INC. 4 7.88% $10,981
RESIDENTIAL BANCORP 4 8.56% $11,607
Umpqua Bank 4 7.16% $10,978
AMERICAN PACIFIC MORTGAGE CORPORATION 3 7.42% $10,380
OCMBC, INC. 3 4.25% $10,042
GUILD MORTGAGE COMPANY 3 6.66% $8,642
Flagstar Bank, FSB 3 6.42% $5,157
Morgan Stanley Private Bank 3 5.78% $4,619
UBS Bank USA 2 5.94% $3,581
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 7.19% $13,659
CMG MORTGAGE, INC. 2 5.94% $7,321
Mr. Cooper ( Nationstar Mortgage ) 2 6.38% $10,279
KINECTA 2 6.44% $10,050
REDWOOD 2 7.88% $3,597
NAVY FEDERAL CREDIT UNION 2 6.56% $2,611
MASON MCDUFFIE MORTGAGE CORPORATION 2 7.87% $8,334
HOMEXPRESS MORTGAGE CORP. 2 8.63% $12,474
MORTGAGEONE, INC. 2 6.69% $9,474
PNC Bank 2 6.75% $5,428
NEWREZ LLC 2 7.13% $6,901
NBKC BANK 1 6.88% $3,380
Northpointe Bank 1 7.25% $4,572
CALIBER HOME LOANS, INC. 1 6.50% $6,062
PHH Mortgage Corporation 1 6.88% $13,687
Watermark Capital, Inc. 1 6.63% $4,486
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.99% $8,688
CALCON MUTUAL MORTGAGE LLC 1 6.50% $9,241
BMO Harris Bank 1 7.75% $6,697
Waterstone Mortgage Corporation 1 5.99% $12,178
ROYAL UNITED MORTGAGE LLC 1 6.25% $11,699
S1L, Inc. 1 7.63% $8,813
SCHOOLSFIRST 1 6.13% $2,451
Sierra Pacific Mortgage Company, Inc. 1 6.25% $5,238
BETTER MORTGAGE CORPORATION 1 5.50% $6,250
THE GOLDEN 1 1 6.63% $4,049
The Loan Store, Inc. 1 7.25% $6,839
TOP FLITE FINANCIAL, INC. 1 7.63% $14,949
TRAVIS CREDIT UNION 1 6.38% $5,550
Baxter Credit Union 1 6.75% $17,883
ADVANCIAL 1 7.13% $13,231
COMMUNITY MORTGAGE FUNDING, LLC 1 6.38% $4,579
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 7.50% $11,768
Citibank 1 5.00% $4,471
CHURCHILL MORTGAGE CORPORATION 1 7.99% $8,427
First Savings Bank 1 7.50% $4,419
FIRST ENTERTAINMENT 1 5.63% $2,859
CARDINAL FINANCIAL 1 5.63% $3,847
FOUNDATION MORTGAGE CORPORATION 1 8.38% $12,950
GENEVA FINANCIAL, LLC 1 8.00% $7,154
GoPrime Mortgage, Inc. 1 6.62% $7,137
GUARANTEED RATE, INC. 1 7.63% $11,925
JMAC LENDING, INC. 1 6.99% $17,732
CALIFORNIA CREDIT UNION 1 6.00% $3,676
LEGEND LENDING CORPORATION 1 6.63% $13,788
LENDSURE MORTGAGE CORP. 1 7.75% $14,655
USAA Federal Savings Bank 1 7.13% $4,238
MID AMERICA MORTGAGE, INC. 1 6.63% $30,474
MORTGAGE 1 INCORPORATED 1 7.88% $12,398
MORTGAGE ACCESS CORP. 1 7.63% $10,675
Mortgage Research Center, LLC 1 6.75% $0
MOVEMENT MORTGAGE, LLC 1 7.99% $4,490
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.88% $4,698

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
2024-04-01 $470,000 (-5.8%) $561,945 (-12.8%) 0.00 331
2024-05-01 $494,100 (-1.1%) $573,929 (-12.3%) 0.00 375
2024-06-01 $499,000 (2.0%) $591,753 (-4.9%) 0.00 417
2024-07-01 $498,500 (1.9%) $584,783 (-5.6%) 0.00 458
2024-08-01 $492,500 (0.0%) $579,405 (-7.3%) 0.00 453
2024-09-01 $489,000 (3.0%) $570,499 (-8.3%) 0.00 453
Eureka - Arcata's median listing price for 2024-09-01 was $489,000, a difference of $14,000 (3.0%) versus the prior year and $-3,500 versus the prior month.

Eureka - Arcata's median listing price comes in at 0% of the national average.

Eureka - Arcata's average listing price for 2024-09-01 was $570,499, a difference of $-51,828 (-8.3%) versus the prior year and $-8,906 versus the prior month.

For the 2024-09-01 period, Eureka - Arcata had 453 MLS listings, a difference of 0 listings (0%) versus the prior month and 92 listings (25%) 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
2024-04-01 0 days 1,500 sqft
2024-05-01 0 days 1,542 sqft
2024-06-01 0 days 1,539 sqft
2024-07-01 0 days 1,517 sqft
2024-08-01 0 days 1,516 sqft
2024-09-01 0 days 1,562 sqft
Eureka - Arcata's median listing age (time on market) for 2024-09-01 was 0 days. This is -100% shorter than the same period one year ago.

Eureka - Arcata's median square footage for active listings during the 2024-09-01 period was 1,562 sqft. One year prior, the average listing was 1,600 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.