Eureka - Arcata Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Eureka - Arcata averaged
6.99%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.99% and
one month ago for the week of 2025-05-29, the
average rate was 6.81%.
Eureka - Arcata's average rate one year ago was 7.08%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.27%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Eureka - Arcata 30 Year Fixed Rate | 2025-07-03 | 6.99% |
| Eureka - Arcata 30 Year Fixed Rate Refi | 2025-07-03 | 7.27% |
| Eureka - Arcata 15 Year Fixed Rate | 2025-07-03 | 6% |
| Eureka - Arcata 15 Year Fixed Rate Refi | 2025-07-03 | 6.4% |
| Eureka - Arcata 30 Year FHA | 2025-07-03 | -0.3% |
| Eureka - Arcata 30 Year FHA Refi | 2025-07-03 | 0.2% |
| Eureka - Arcata 30 Year USDA | 2025-07-03 | 0.2% |
| Eureka - Arcata 30 Year USDA Refi | 2025-07-03 | 0.2% |
| Eureka - Arcata 30 Year VA | 2025-07-03 | 0.1% |
| Eureka - Arcata 30 Year VA Refi | 2025-07-03 | -0.1% |
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 86 lenders originated 1,125
loans during 2024. The total origination value was $325,405,000, with an average loan value of
$289,249.
Eureka - Arcata's average closing costs are $6,384.
The top Eureka - Arcata lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with
96 loans originated. Their average total fees are
$9,752, which is $1,133
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Eureka - Arcata lenders (with over 10 loans originated) are
Tri Counties Bank ($5,862), Florida Capital Bank ($6,782), QUICKEN LOANS, LLC ($7,494), FIRST COLONY MORTGAGE CORPORATION ($8,055) and NEWREZ LLC ($8,250).
The lowest rate Eureka - Arcata lenders (with over 10 loans originated) are
Tri Counties Bank (6.52%), NEWREZ LLC (6.62%), UNITED WHOLESALE MORTGAGE, LLC (6.66%), QUICKEN LOANS, LLC (6.68%) and FIRST COLONY MORTGAGE CORPORATION (6.69%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $13,470,000 | $49,270,000 | 265.8% | 15.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $45,545,000 | $46,955,000 | 3.1% | 14.4% |
| American Mortgage & Equity Consultants, Inc. | $29,145,000 | $27,095,000 | -7.0% | 8.3% |
| QUICKEN LOANS, LLC | $20,390,000 | $24,430,000 | 19.8% | 7.5% |
| SUMMIT FUNDING, INC. | $21,155,000 | $18,395,000 | -13.0% | 5.7% |
| Florida Capital Bank | $14,130,000 | $15,750,000 | 11.5% | 4.8% |
| Umpqua Bank | $10,250,000 | $8,985,000 | -12.3% | 2.8% |
| FIRST COLONY MORTGAGE CORPORATION | $7,055,000 | n/a | 2.2% | |
| NEWREZ LLC | $1,215,000 | $6,755,000 | 456.0% | 2.1% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $6,870,000 | $6,465,000 | -5.9% | 2.0% |
| PENNYMAC LOAN SERVICES, LLC | $2,820,000 | $5,600,000 | 98.6% | 1.7% |
| Flagstar Bank, FSB | $1,375,000 | $4,770,000 | 246.9% | 1.5% |
| GUILD MORTGAGE COMPANY | $810,000 | $4,120,000 | 408.6% | 1.3% |
| U.S. Bank | $5,800,000 | $4,065,000 | -29.9% | 1.2% |
| Tri Counties Bank | $6,545,000 | $4,020,000 | -38.6% | 1.2% |
| Mortgage Research Center, LLC | $2,960,000 | $3,340,000 | 12.8% | 1.0% |
| BROKER SOLUTIONS, INC. | $2,935,000 | $3,165,000 | 7.8% | 1.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,985,000 | $2,510,000 | 26.4% | 0.8% |
| LOANDEPOT.COM, LLC | $1,725,000 | $2,455,000 | 42.3% | 0.8% |
| MID AMERICA MORTGAGE, INC. | $1,200,000 | $2,075,000 | 72.9% | 0.6% |
| GUARANTEED RATE, INC. | $620,000 | $2,045,000 | 229.8% | 0.6% |
| NEXERA HOLDING LLC | $265,000 | $1,985,000 | 649.1% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $820,000 | $1,965,000 | 139.6% | 0.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,880,000 | $1,910,000 | 1.6% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,410,000 | $1,845,000 | 30.9% | 0.6% |
| Century Mortgage Company DBA Century Lending Company | $1,780,000 | n/a | 0.5% | |
| Wells Fargo Bank | $6,360,000 | $1,765,000 | -72.2% | 0.5% |
| PLAZA HOME MORTGAGE, INC. | $1,570,000 | $1,670,000 | 6.4% | 0.5% |
| FREEDOM MORTGAGE CORPORATION | $1,065,000 | $1,450,000 | 36.2% | 0.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,020,000 | $1,420,000 | 39.2% | 0.4% |
| Bank of America | $2,495,000 | $1,415,000 | -43.3% | 0.4% |
| JPMorgan Chase Bank | $3,120,000 | $1,380,000 | -55.8% | 0.4% |
| MOVEMENT MORTGAGE, LLC | $625,000 | $1,375,000 | 120.0% | 0.4% |
| USAA Federal Savings Bank | $705,000 | $1,350,000 | 91.5% | 0.4% |
| FINANCE OF AMERICA REVERSE LLC | $1,075,000 | $1,265,000 | 17.7% | 0.4% |
| Figure Lending LLC | $690,000 | $1,160,000 | 68.1% | 0.4% |
| PHH Mortgage Corporation | $405,000 | $1,130,000 | 179.0% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $17,680,000 | $1,080,000 | -93.9% | 0.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $840,000 | $1,015,000 | 20.8% | 0.3% |
| Sierra Pacific Mortgage Company, Inc. | $2,750,000 | $995,000 | -63.8% | 0.3% |
| PACIFIC SERVICE | $140,000 | $955,000 | 582.1% | 0.3% |
| SCHOOLSFIRST | $670,000 | $950,000 | 41.8% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $935,000 | n/a | 0.3% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,680,000 | $925,000 | -44.9% | 0.3% |
| Greenbox Loans, Inc. | $925,000 | n/a | 0.3% | |
| Morgan Stanley Private Bank | $2,145,000 | $910,000 | -57.6% | 0.3% |
| Golden Empire Mortgage, Inc. | $315,000 | $850,000 | 169.8% | 0.3% |
| PLANET HOME LENDING, LLC | $385,000 | $850,000 | 120.8% | 0.3% |
| ALLIANT CREDIT UNION | $920,000 | $775,000 | -15.8% | 0.2% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $740,000 | n/a | 0.2% | |
| HOMEXPRESS MORTGAGE CORP. | $620,000 | $740,000 | 19.4% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $700,000 | n/a | 0.2% | |
| AMWEST FUNDING CORP. | $695,000 | n/a | 0.2% | |
| Magnolia Bank | $375,000 | $680,000 | 81.3% | 0.2% |
| ZILLOW HOME LOANS, LLC | $475,000 | $680,000 | 43.2% | 0.2% |
| EVERETT FINANCIAL, INC. | $670,000 | n/a | 0.2% | |
| BETTER MORTGAGE CORPORATION | $650,000 | $665,000 | 2.3% | 0.2% |
| AMERICAN HERITAGE LENDING, INC. | $325,000 | $660,000 | 103.1% | 0.2% |
| AMERITRUST MORTGAGE CORPORATION | $660,000 | n/a | 0.2% | |
| HOMESIDE FINANCIAL, LLC | $655,000 | n/a | 0.2% | |
| Discover Bank | $755,000 | $640,000 | -15.2% | 0.2% |
| LENDSURE MORTGAGE CORP. | $720,000 | $640,000 | -11.1% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $105,000 | $595,000 | 466.7% | 0.2% |
| MORTGAGEONE, INC. | $450,000 | $590,000 | 31.1% | 0.2% |
| TOP FLITE FINANCIAL, INC. | $255,000 | $580,000 | 127.5% | 0.2% |
| ALAMEDA MORTGAGE CORPORATION | $565,000 | n/a | 0.2% | |
| 21ST MORTGAGE CORPORATION | $1,525,000 | $545,000 | -64.3% | 0.2% |
| CMG MORTGAGE, INC. | $1,550,000 | $545,000 | -64.8% | 0.2% |
| FUNDLOANS CAPITAL | $545,000 | n/a | 0.2% | |
| The Loan Store, Inc. | $155,000 | $525,000 | 238.7% | 0.2% |
| Comerica Bank | $505,000 | n/a | 0.2% | |
| GENEVA FINANCIAL, LLC | $505,000 | $505,000 | 0.0% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $540,000 | $500,000 | -7.4% | 0.2% |
| AMERICAN INTERNET MORTGAGE, INC. | $495,000 | n/a | 0.2% | |
| GMFS LLC | $490,000 | n/a | 0.2% | |
| NFM, INC. | $485,000 | n/a | 0.1% | |
| RESIDENTIAL BANCORP | $1,740,000 | $460,000 | -73.6% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $215,000 | $450,000 | 109.3% | 0.1% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $385,000 | $450,000 | 16.9% | 0.1% |
| MORTGAGE ACCESS CORP. | $435,000 | $445,000 | 2.3% | 0.1% |
| Stifel Bank and Trust | $440,000 | n/a | 0.1% | |
| Franklin Loan Corporation | $435,000 | n/a | 0.1% | |
| MISSION | $435,000 | n/a | 0.1% | |
| NBKC BANK | $445,000 | $425,000 | -4.5% | 0.1% |
| NEW DAY FINANCIAL, LLC | $225,000 | $425,000 | 88.9% | 0.1% |
| ATLANTA POSTAL | $415,000 | n/a | 0.1% | |
| MACKILLIE INCORPORATED | $410,000 | n/a | 0.1% | |
| Northpointe Bank | $565,000 | $405,000 | -28.3% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $395,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $895,000 | $390,000 | -56.4% | 0.1% |
| Equity Prime Mortgage LLC | $385,000 | n/a | 0.1% | |
| Farm Credit Mid-America, ACA | $385,000 | n/a | 0.1% | |
| Commerce Home Mortgage, Inc. | $1,520,000 | $375,000 | -75.3% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $375,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $365,000 | n/a | 0.1% | |
| FOUNDATION MORTGAGE CORPORATION | $505,000 | $365,000 | -27.7% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $205,000 | $365,000 | 78.0% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $355,000 | n/a | 0.1% | |
| F&A Federal Credit Union | $345,000 | n/a | 0.1% | |
| HomeTrust Bank | $300,000 | $345,000 | 15.0% | 0.1% |
| MORTGAGE CAPITAL PARTNERS, INC. | $345,000 | n/a | 0.1% | |
| STANFORD Federal Credit Union | $55,000 | $335,000 | 509.1% | 0.1% |
| First Bank | $325,000 | n/a | 0.1% | |
| MASON MCDUFFIE MORTGAGE CORPORATION | $910,000 | $325,000 | -64.3% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $365,000 | $325,000 | -11.0% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,770,000 | $320,000 | -81.9% | 0.1% |
| AXIA FINANCIAL, LLC | $315,000 | n/a | 0.1% | |
| LOANPAL, LLC | $305,000 | n/a | 0.1% | |
| Coastal Community Bank | $60,000 | $300,000 | 400.0% | 0.1% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $295,000 | n/a | 0.1% | |
| THE GOLDEN 1 | $375,000 | $290,000 | -22.7% | 0.1% |
| Baxter Credit Union | $335,000 | $285,000 | -14.9% | 0.1% |
| BMO Harris Bank | $1,065,000 | $285,000 | -73.2% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $305,000 | $285,000 | -6.6% | 0.1% |
| LADERA LENDING, INC. | $285,000 | n/a | 0.1% | |
| NETWORK CAPITAL FUNDING CORPORATION | $275,000 | n/a | 0.1% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $750,000 | $275,000 | -63.3% | 0.1% |
| Arvest Bank | $265,000 | n/a | 0.1% | |
| VILLAGE CAPITAL MORTGAGE | $415,000 | $265,000 | -36.1% | 0.1% |
| Zions Bank | $255,000 | n/a | 0.1% | |
| Bank-Fund Staff Federal Credit Union | $245,000 | n/a | 0.1% | |
| SAN FRANCISCO FIRE CREDIT UNION | $245,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $140,000 | $245,000 | 75.0% | 0.1% |
| AMERICAN FINANCING CORPORATION | $240,000 | n/a | 0.1% | |
| GTE Federal Credit Union | $240,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $245,000 | $230,000 | -6.1% | 0.1% |
| CLEARPATH LENDING | $225,000 | n/a | 0.1% | |
| COMMUNITY MORTGAGE FUNDING, LLC | $155,000 | $215,000 | 38.7% | 0.1% |
| FAY SERVICING, LLC | $215,000 | n/a | 0.1% | |
| RF Renovo Management Company, LLC | $215,000 | n/a | 0.1% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $215,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $205,000 | n/a | 0.1% | |
| CHEVRON | $205,000 | n/a | 0.1% | |
| Provident Credit Union | $210,000 | $205,000 | -2.4% | 0.1% |
| PNC Bank | $1,625,000 | $200,000 | -87.7% | 0.1% |
| ROGUE | $200,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $165,000 | $195,000 | 18.2% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $195,000 | n/a | 0.1% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $150,000 | $190,000 | 26.7% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $185,000 | n/a | 0.1% | |
| OCMBC, INC. | $920,000 | $155,000 | -83.2% | 0.0% |
| REDWOOD | $1,495,000 | $150,000 | -90.0% | 0.0% |
| HighTechLending Inc | $135,000 | n/a | 0.0% | |
| VAL-CHRIS INVESTMENTS, INC. | $195,000 | $135,000 | -30.8% | 0.0% |
| SPRING EQ, LLC | $110,000 | $120,000 | 9.1% | 0.0% |
| GEORGIA'S OWN | $105,000 | n/a | 0.0% | |
| San Joaquin Power Employees Credit Union | $95,000 | n/a | 0.0% | |
| Alaska USA Federal Credit Union | $85,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $85,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $215,000 | $55,000 | -74.4% | 0.0% |
Eureka - Arcata's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 15.1% market share. In second place, with 14.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $46,955,000 in loans. In third place, with 8.3%, is American Mortgage & Equity Consultants, Inc., having originated $27,095,000 in loans. In fourth place, with 7.5%, is QUICKEN LOANS, LLC, having originated $24,430,000 in loans. In fifth place, with 5.7%, is SUMMIT FUNDING, INC., having originated $18,395,000 in loans.
Eureka-Arcata, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 681 | $236,945,000 | $347,937 |
| Cash Out Refi | 179 | $40,155,000 | $224,330 |
| Refi | 111 | $31,725,000 | $285,811 |
| Other | 85 | $10,245,000 | $120,529 |
| Home Improvement | 69 | $6,335,000 | $91,812 |
Eureka - Arcata's most frequently cited loan purpose was Home Purchase, with 681 originations. The 2nd most popular reason was Cash Out Refi, with 179 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 515 | $181,365,000 | $352,165 |
| Over 8% | 230 | $28,260,000 | $122,870 |
| 7-8% | 207 | $64,525,000 | $311,715 |
| 5-6% | 140 | $47,250,000 | $337,500 |
| <2.5% | 17 | $395,000 | $23,235 |
| 4-5% | 7 | $2,525,000 | $360,714 |
| 3-4% | 3 | $635,000 | $211,667 |
During 2024, Eureka - Arcata's most frequently originated rate bucket was 6-7%, with 515 originations.
Loan Sizing (Eureka-Arcata, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 517 | $156,015,000 | $301,770 |
| $400k-600k | 228 | $107,780,000 | $472,719 |
| $100,000 or less | 190 | $10,450,000 | $55,000 |
| $100k-200k | 147 | $21,035,000 | $143,095 |
| $600k-1000k | 42 | $29,120,000 | $693,333 |
| $Over $1MM | 1 | $1,005,000 | $1,005,000 |
Eureka - Arcata's loan sizing saw the bucket of loans from $200k-400k with 517 originations, totaling $156,015,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 450 | $173,370,000 | $385,267 |
| 60-80% | 226 | $83,300,000 | $368,584 |
| Under 20% | 182 | $10,810,000 | $59,396 |
| 20-40% | 130 | $20,490,000 | $157,615 |
| 40-60% | 115 | $29,235,000 | $254,217 |
| Over 100% | 10 | $3,980,000 | $398,000 |
Eureka - Arcata's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 450 originations, totaling $173,370,000 in origination value.