MERCED Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Merced averaged
7.18%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.14% and
one month ago for the week of 2026-10-01, the
average rate was 7.08%.
Merced's average rate one year ago was 6.37%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.66%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Merced 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Merced 30 Year Fixed Rate Refi | 2026-11-05 | 7.66% |
| Merced 15 Year Fixed Rate | 2026-11-05 | 6.57% |
| Merced 15 Year Fixed Rate Refi | 2026-11-05 | 6.57% |
| Merced 30 Year FHA | 2026-11-05 | 6.44% |
| Merced 30 Year FHA Refi | 2026-11-05 | 6.68% |
| Merced 30 Year USDA | 2026-11-05 | 7% |
| Merced 30 Year USDA Refi | 2026-11-05 | 7% |
| Merced 30 Year VA | 2026-11-05 | 6.48% |
| Merced 30 Year VA Refi | 2026-11-05 | 6.96% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within MERCED, CA.
MERCED 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 MERCED, 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.).
MERCED Average Closing Costs & Other Stats
MERCED, CA's 128 lenders originated 3,640
loans during 2025. The total origination value was $1,060,580,000, with an average loan value of
$291,368.
MERCED's average closing costs are $7,029.
The top MERCED lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
166 loans originated. Their average total fees are
$9,491, which is $1,459
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee MERCED lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($4,094), INSPIRE HOME LOANS INC. ($5,068), CROSSCOUNTRY MORTGAGE, LLC ($6,276), JPMorgan Chase Bank ($6,623) and Wells Fargo Bank ($7,270).
The lowest rate MERCED lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.57%), INSPIRE HOME LOANS INC. (6.16%), Wells Fargo Bank (6.36%), LOANDEPOT.COM, LLC (6.36%) and LEADERONE FINANCIAL CORPORATION (6.49%).
MERCED, 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 | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $153,025,000 | $167,475,000 | 9.4% | 15.8% |
| DHI MORTGAGE COMPANY, LTD. | $76,240,000 | $76,620,000 | 0.5% | 7.2% |
| LEADERONE FINANCIAL CORPORATION | $40,795,000 | $66,540,000 | 63.1% | 6.3% |
| QUICKEN LOANS, LLC | $63,735,000 | $66,175,000 | 3.8% | 6.2% |
| GUARANTEED RATE, INC. | $17,840,000 | $38,420,000 | 115.4% | 3.6% |
| Century Mortgage Company DBA Century Lending Company | $21,075,000 | $30,295,000 | 43.7% | 2.9% |
| INSPIRE HOME LOANS INC. | $20,205,000 | $24,310,000 | 20.3% | 2.3% |
| FREEDOM MORTGAGE CORPORATION | $7,800,000 | $19,620,000 | 151.5% | 1.8% |
| JPMorgan Chase Bank | $29,100,000 | $17,650,000 | -39.3% | 1.7% |
| PENNYMAC LOAN SERVICES, LLC | $11,955,000 | $16,870,000 | 41.1% | 1.6% |
| MERCED SCHOOL EMPLOYEES FEDERAL CREDIT UNION | $12,305,000 | $15,975,000 | 29.8% | 1.5% |
| LOANDEPOT.COM, LLC | $14,605,000 | $14,815,000 | 1.4% | 1.4% |
| GUILD MORTGAGE COMPANY | $18,330,000 | $13,790,000 | -24.8% | 1.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $23,320,000 | $13,705,000 | -41.2% | 1.3% |
| PLAZA HOME MORTGAGE, INC. | $6,770,000 | $13,465,000 | 98.9% | 1.3% |
| Paramount Residential Mortgage Group, Inc. | $8,790,000 | $13,340,000 | 51.8% | 1.3% |
| The Loan Store, Inc. | $6,575,000 | $12,890,000 | 96.0% | 1.2% |
| Performance Financial, Inc. | $14,595,000 | $12,140,000 | -16.8% | 1.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $27,110,000 | $12,030,000 | -55.6% | 1.1% |
| OCMBC, INC. | $11,790,000 | $11,520,000 | -2.3% | 1.1% |
| THE GOLDEN 1 | $4,585,000 | $11,235,000 | 145.0% | 1.1% |
| NEXERA HOLDING LLC | $7,280,000 | $10,885,000 | 49.5% | 1.0% |
| MORTGAGEONE, INC. | $5,530,000 | $10,755,000 | 94.5% | 1.0% |
| SCENIC OAKS FUNDING, INC. | $6,725,000 | $10,520,000 | 56.4% | 1.0% |
| Bank of America | $6,850,000 | $10,275,000 | 50.0% | 1.0% |
| BROKER SOLUTIONS, INC. | $6,390,000 | $9,890,000 | 54.8% | 0.9% |
| Mortgage Research Center, LLC | $8,090,000 | $7,815,000 | -3.4% | 0.7% |
| NEWREZ LLC | $4,270,000 | $7,185,000 | 68.3% | 0.7% |
| TRAVIS CREDIT UNION | $4,440,000 | $7,185,000 | 61.8% | 0.7% |
| PNC Bank | $7,080,000 | $7,000,000 | -1.1% | 0.7% |
| Sierra Pacific Mortgage Company, Inc. | $11,670,000 | $6,970,000 | -40.3% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $8,460,000 | $6,705,000 | -20.7% | 0.6% |
| LAND HOME FINANCIAL SERVICES, INC. | $9,580,000 | $6,655,000 | -30.5% | 0.6% |
| Wells Fargo Bank | $3,485,000 | $6,645,000 | 90.7% | 0.6% |
| Golden Empire Mortgage, Inc. | $13,315,000 | $6,580,000 | -50.6% | 0.6% |
| LENDINGHOME FUNDING CORPORATION | $7,170,000 | $6,470,000 | -9.8% | 0.6% |
| SUN WEST MORTGAGE COMPANY, INC. | $3,895,000 | $6,230,000 | 59.9% | 0.6% |
| EAGLE HOME MORTGAGE, LLC | $6,170,000 | n/a | 0.6% | |
| U.S. Bank | $5,785,000 | $5,205,000 | -10.0% | 0.5% |
| ALAMEDA MORTGAGE CORPORATION | $3,390,000 | $4,830,000 | 42.5% | 0.5% |
| Umpqua Bank | $4,450,000 | $4,770,000 | 7.2% | 0.4% |
| Equity Prime Mortgage LLC | $5,945,000 | $4,570,000 | -23.1% | 0.4% |
| RESIDENTIAL BANCORP | $2,295,000 | $4,440,000 | 93.5% | 0.4% |
| Self-Help Federal Credit Union | $3,510,000 | $4,215,000 | 20.1% | 0.4% |
| Commerce Home Mortgage, Inc. | $2,430,000 | $4,145,000 | 70.6% | 0.4% |
| SPRING EQ, LLC | $1,070,000 | $3,980,000 | 272.0% | 0.4% |
| S1L, Inc. | $6,890,000 | $3,850,000 | -44.1% | 0.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $4,045,000 | $3,755,000 | -7.2% | 0.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $3,840,000 | $3,740,000 | -2.6% | 0.4% |
| AMWEST FUNDING CORP. | $3,115,000 | $3,720,000 | 19.4% | 0.4% |
| AMERITRUST MORTGAGE CORPORATION | $2,025,000 | $3,600,000 | 77.8% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $3,235,000 | $3,515,000 | 8.7% | 0.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $8,550,000 | $3,490,000 | -59.2% | 0.3% |
| UNION HOME MORTGAGE CORP. | $955,000 | $3,455,000 | 261.8% | 0.3% |
| A&D Mortgage LLC | $3,365,000 | n/a | 0.3% | |
| NP, Inc. | $990,000 | $3,235,000 | 226.8% | 0.3% |
| JMAC LENDING, INC. | $890,000 | $3,210,000 | 260.7% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $2,240,000 | $3,045,000 | 35.9% | 0.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $4,480,000 | $3,030,000 | -32.4% | 0.3% |
| AmeriHome Mortgage Company, LLC | $770,000 | $2,990,000 | 288.3% | 0.3% |
| Prosperity Home Mortgage, LLC | $1,875,000 | $2,885,000 | 53.9% | 0.3% |
| CMG MORTGAGE, INC. | $1,885,000 | $2,845,000 | 50.9% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $3,600,000 | $2,825,000 | -21.5% | 0.3% |
| Figure Lending LLC | $3,090,000 | $2,800,000 | -9.4% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $460,000 | $2,775,000 | 503.3% | 0.3% |
| 21ST MORTGAGE CORPORATION | $2,280,000 | $2,620,000 | 14.9% | 0.2% |
| EVERETT FINANCIAL, INC. | $1,320,000 | $2,610,000 | 97.7% | 0.2% |
| Carrington Mortgage Services, LLC | $855,000 | $2,585,000 | 202.3% | 0.2% |
| ML Mortgage Corp. | $1,705,000 | $2,555,000 | 49.9% | 0.2% |
| Farmers & Merchants Bank of Central California | $905,000 | $2,335,000 | 158.0% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $960,000 | $2,220,000 | 131.3% | 0.2% |
| The Federal Savings Bank | $1,235,000 | $2,215,000 | 79.4% | 0.2% |
| BAY | $2,165,000 | $2,195,000 | 1.4% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,545,000 | $2,155,000 | 39.5% | 0.2% |
| Northpointe Bank | $4,280,000 | $2,055,000 | -52.0% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,830,000 | $2,045,000 | 11.7% | 0.2% |
| Citadel Servicing Corporation | $2,725,000 | $2,045,000 | -25.0% | 0.2% |
| Coastal Community Bank | $1,430,000 | $2,030,000 | 42.0% | 0.2% |
| AHL FUNDING | $1,425,000 | $2,025,000 | 42.1% | 0.2% |
| Greenbox Loans, Inc. | $1,035,000 | $2,000,000 | 93.2% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $1,995,000 | $1,985,000 | -0.5% | 0.2% |
| PATELCO | $1,235,000 | $1,985,000 | 60.7% | 0.2% |
| Educational Employees Credit Union | $3,440,000 | $1,955,000 | -43.2% | 0.2% |
| STAR ONE CREDIT UNION | $660,000 | $1,790,000 | 171.2% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $860,000 | $1,750,000 | 103.5% | 0.2% |
| Tri Counties Bank | $1,295,000 | $1,730,000 | 33.6% | 0.2% |
| Northwest Farm Credit Services, FLCA | $1,105,000 | $1,685,000 | 52.5% | 0.2% |
| BMO Harris Bank | $4,270,000 | $1,640,000 | -61.6% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $10,620,000 | $1,635,000 | -84.6% | 0.2% |
| Magnolia Bank | $665,000 | $1,620,000 | 143.6% | 0.2% |
| Mechanics Bank | $1,670,000 | $1,615,000 | -3.3% | 0.2% |
| BAY-VALLEY MORTGAGE GROUP | $1,805,000 | $1,600,000 | -11.4% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $1,490,000 | $1,600,000 | 7.4% | 0.2% |
| Citibank | $1,390,000 | $1,585,000 | 14.0% | 0.1% |
| SUMMIT FUNDING, INC. | $1,690,000 | $1,545,000 | -8.6% | 0.1% |
| Cornerstone First Mortgage, Inc | $1,245,000 | $1,530,000 | 22.9% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,295,000 | $1,490,000 | 15.1% | 0.1% |
| NMSI, INC. | $620,000 | $1,440,000 | 132.3% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $550,000 | $1,415,000 | 157.3% | 0.1% |
| Home Mortgage Alliance Corp | $1,105,000 | $1,375,000 | 24.4% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $920,000 | $1,370,000 | 48.9% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $675,000 | $1,355,000 | 100.7% | 0.1% |
| OAKTREE FUNDING CORP. | $415,000 | $1,315,000 | 216.9% | 0.1% |
| CLEARPATH LENDING | $1,260,000 | $1,300,000 | 3.2% | 0.1% |
| ENVOY MORTGAGE, LTD | $1,710,000 | $1,295,000 | -24.3% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $815,000 | $1,265,000 | 55.2% | 0.1% |
| Hometown Equity Mortgage, LLC | $2,090,000 | $1,240,000 | -40.7% | 0.1% |
| Exchange Bank | $1,235,000 | n/a | 0.1% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $230,000 | $1,215,000 | 428.3% | 0.1% |
| Franklin Loan Corporation | $2,845,000 | $1,205,000 | -57.6% | 0.1% |
| V.I.P. MORTGAGE, INC. | $395,000 | $1,195,000 | 202.5% | 0.1% |
| ALTITUDE FINANCIAL CORPORATION | $415,000 | $1,190,000 | 186.7% | 0.1% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $680,000 | $1,165,000 | 71.3% | 0.1% |
| LENDSURE MORTGAGE CORP. | $1,035,000 | $1,140,000 | 10.1% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,870,000 | $1,130,000 | -60.6% | 0.1% |
| First National Bank of America | $2,590,000 | $1,100,000 | -57.5% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $435,000 | $1,075,000 | 147.1% | 0.1% |
| CENTRAL VALLEY COMMUNITY BANK | $1,065,000 | n/a | 0.1% | |
| ALLIANT CREDIT UNION | $525,000 | $1,040,000 | 98.1% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $455,000 | $1,035,000 | 127.5% | 0.1% |
| ALLIED MORTGAGE GROUP, INC. | $1,310,000 | $1,020,000 | -22.1% | 0.1% |
| MERIWEST | $155,000 | $1,010,000 | 551.6% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $2,015,000 | $1,005,000 | -50.1% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $460,000 | $970,000 | 110.9% | 0.1% |
| GENEVA FINANCIAL, LLC | $985,000 | $930,000 | -5.6% | 0.1% |
| PHH Mortgage Corporation | $1,345,000 | $910,000 | -32.3% | 0.1% |
| General Mortgage Capital Corporation | $580,000 | $885,000 | 52.6% | 0.1% |
| SANTA CLARA COUNTY | $1,785,000 | $870,000 | -51.3% | 0.1% |
| First Federal Bank | $295,000 | $865,000 | 193.2% | 0.1% |
| MERCO Credit Union | $1,355,000 | $845,000 | -37.6% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $1,685,000 | $810,000 | -51.9% | 0.1% |
| ZILLOW HOME LOANS, LLC | $265,000 | $810,000 | 205.7% | 0.1% |
| Flagstar Bank, FSB | $5,235,000 | $800,000 | -84.7% | 0.1% |
| ONY GLO, INC. | $800,000 | n/a | 0.1% | |
| Armed Forces Bank | $790,000 | n/a | 0.1% | |
| FIRST COLONY MORTGAGE CORPORATION | $295,000 | $780,000 | 164.4% | 0.1% |
| INTELLILOAN, INC. | $730,000 | $760,000 | 4.1% | 0.1% |
| LANTZMAN MANAGEMENT, INC. | $410,000 | $755,000 | 84.1% | 0.1% |
| LOANPAL, LLC | $1,745,000 | $740,000 | -57.6% | 0.1% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $740,000 | n/a | 0.1% | |
| GEO-CORP, INC. | $720,000 | n/a | 0.1% | |
| LADERA LENDING, INC. | $370,000 | $715,000 | 93.2% | 0.1% |
| RF Renovo Management Company, LLC | $705,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $1,335,000 | $690,000 | -48.3% | 0.1% |
| BETTER MORTGAGE CORPORATION | $1,735,000 | $660,000 | -62.0% | 0.1% |
| IVY MORTGAGE, INC. | $395,000 | $660,000 | 67.1% | 0.1% |
| Noble Federal Credit Union | $465,000 | $660,000 | 41.9% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $1,065,000 | $660,000 | -38.0% | 0.1% |
| PACIFIC SERVICE | $565,000 | $635,000 | 12.4% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $600,000 | n/a | 0.1% | |
| Luxury Mortgage Corp. | $635,000 | $600,000 | -5.5% | 0.1% |
| 5TH STREET CAPITAL, INC. | $720,000 | $550,000 | -23.6% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $545,000 | n/a | 0.1% | |
| Fifth Third Bank | $515,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $2,090,000 | $515,000 | -75.4% | 0.0% |
| NBKC BANK | $530,000 | $495,000 | -6.6% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $595,000 | $465,000 | -21.8% | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $465,000 | n/a | 0.0% | |
| First-Citizens Bank & Trust Company | $1,305,000 | $455,000 | -65.1% | 0.0% |
| AUGUSTA FINANCIAL, INC. | $430,000 | n/a | 0.0% | |
| Plains Commerce Bank | $430,000 | n/a | 0.0% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $475,000 | $425,000 | -10.5% | 0.0% |
| Peoples Bank | $415,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $1,800,000 | $410,000 | -77.2% | 0.0% |
| Citizens Business Bank | $405,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $395,000 | $405,000 | 2.5% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $1,365,000 | $395,000 | -71.1% | 0.0% |
| NexBank | $830,000 | $395,000 | -52.4% | 0.0% |
| USAA Federal Savings Bank | $395,000 | $395,000 | 0.0% | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | $385,000 | n/a | 0.0% | |
| City Lending Inc. | $380,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $375,000 | n/a | 0.0% | |
| CommonWealth Central Credit Union | $395,000 | $360,000 | -8.9% | 0.0% |
| Discover Bank | $2,035,000 | $360,000 | -82.3% | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $900,000 | $350,000 | -61.1% | 0.0% |
| KEYPOINT | $345,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $345,000 | n/a | 0.0% | |
| Vellum Mortgage, Inc. | $345,000 | $345,000 | 0.0% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $1,115,000 | $335,000 | -70.0% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $330,000 | n/a | 0.0% | |
| PremierOne Credit Union | $325,000 | n/a | 0.0% | |
| GUIDANCE RESIDENTIAL, LLC | $315,000 | n/a | 0.0% | |
| Royal Business Bank | $315,000 | n/a | 0.0% | |
| Cf Bank | $305,000 | n/a | 0.0% | |
| Leader Bank | $305,000 | n/a | 0.0% | |
| Fremont Bank | $1,210,000 | $300,000 | -75.2% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $295,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $885,000 | $295,000 | -66.7% | 0.0% |
| FAY SERVICING, LLC | $295,000 | n/a | 0.0% | |
| Logan Finance Corporation | $495,000 | $295,000 | -40.4% | 0.0% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | $295,000 | n/a | 0.0% | |
| COREVEST AMERICAN FINANCE LENDER LLC | $285,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $285,000 | n/a | 0.0% | |
| VERITAS FUNDING, LLC | $285,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $15,365,000 | $255,000 | -98.3% | 0.0% |
| GOOGAIN, INC. | $2,140,000 | $255,000 | -88.1% | 0.0% |
| Mission City Federal Credit Union | $240,000 | n/a | 0.0% | |
| First Standard Financial Corp. | $235,000 | n/a | 0.0% | |
| Firefighters First Federal Credit Union | $225,000 | n/a | 0.0% | |
| STANFORD Federal Credit Union | $1,185,000 | $210,000 | -82.3% | 0.0% |
| Bank of Stockton | $235,000 | $205,000 | -12.8% | 0.0% |
| First Bank | $205,000 | n/a | 0.0% | |
| United States Senate Federal Credit Union | $125,000 | $185,000 | 48.0% | 0.0% |
| Banner Bank | $180,000 | n/a | 0.0% | |
| CITIZENS EQUITY FIRST | $415,000 | $180,000 | -56.6% | 0.0% |
| NuVision Federal Credit Union | $175,000 | n/a | 0.0% | |
| HighTechLending Inc | $165,000 | n/a | 0.0% | |
| ALL REVERSE MORTGAGE, INC. | $155,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $155,000 | n/a | 0.0% | |
| California Coast Credit Union | $155,000 | n/a | 0.0% | |
| CARDINAL FINANCIAL | $4,650,000 | $150,000 | -96.8% | 0.0% |
| REDWOOD | $150,000 | n/a | 0.0% | |
| EQUITY WAVE LENDING, INC. | $145,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $125,000 | n/a | 0.0% | |
| Truist | $345,000 | $125,000 | -63.8% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $110,000 | $115,000 | 4.5% | 0.0% |
| First American Bank | $105,000 | n/a | 0.0% | |
| KINECTA | $500,000 | $105,000 | -79.0% | 0.0% |
| Boeing Employees Credit Union | $85,000 | n/a | 0.0% | |
| FIRST TECHNOLOGY | $485,000 | $75,000 | -84.5% | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | $170,000 | $75,000 | -55.9% | 0.0% |
| Wilmington Savings Fund Society, FSB | $75,000 | n/a | 0.0% | |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $65,000 | n/a | 0.0% | |
| San Mateo Credit Union | $195,000 | $65,000 | -66.7% | 0.0% |
| LOGIX FEDERAL CREDIT UNION | $60,000 | n/a | 0.0% | |
| Connexus Credit Union | $175,000 | $55,000 | -68.6% | 0.0% |
| HomeTrust Bank | $205,000 | $55,000 | -73.2% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $360,000 | $45,000 | -87.5% | 0.0% |
| ROGUE | $45,000 | n/a | 0.0% | |
| VALLEY STRONG CREDIT UNION | $45,000 | n/a | 0.0% | |
| SCHOOLSFIRST | $355,000 | $25,000 | -93.0% | 0.0% |
| THRIVENT Federal Credit Union | $25,000 | n/a | 0.0% |
MERCED's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 15.8% market share. In second place, with 7.2%, is DHI MORTGAGE COMPANY, LTD., having originated $76,620,000 in loans. In third place, with 6.3%, is LEADERONE FINANCIAL CORPORATION, having originated $66,540,000 in loans. In fourth place, with 6.2%, is QUICKEN LOANS, LLC, having originated $66,175,000 in loans. In fifth place, with 3.6%, is GUARANTEED RATE, INC., having originated $38,420,000 in loans.
MERCED Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - MERCED (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 | $299,450 (7.0%) | $350,837 (3.5%) | 1.11 | 477 |
| 2018-02-01 | $298,733 (8.6%) | $354,156 (-20.3%) | 1.08 | 457 |
| 2018-03-01 | $296,170 (8.1%) | $346,615 (2.7%) | 1.04 | 460 |
| 2018-04-01 | $294,925 (5.7%) | $339,152 (-0.5%) | 1.00 | 475 |
| 2018-05-01 | $299,475 (6.0%) | $358,718 (2.0%) | 1.00 | 455 |
| 2018-06-01 | $298,840 (4.8%) | $362,682 (0.7%) | 1.00 | 455 |
| 2018-07-01 | $305,000 (5.2%) | $367,378 (2.9%) | 1.02 | 489 |
| 2018-08-01 | $310,065 (8.4%) | $371,008 (7.6%) | 1.04 | 534 |
| 2018-09-01 | $300,000 (3.6%) | $358,518 (3.0%) | 1.01 | 572 |
| 2018-10-01 | $305,915 (5.6%) | $372,978 (7.9%) | 1.04 | 634 |
| 2018-11-01 | $299,900 (0.5%) | $353,881 (1.5%) | 1.02 | 652 |
| 2018-12-01 | $299,900 (-1.7%) | $354,790 (0.9%) | 1.03 | 653 |
| 2019-01-01 | $299,475 (0.0%) | $360,698 (2.8%) | 1.03 | 619 |
| 2019-02-01 | $305,250 (2.2%) | $358,154 (1.1%) | 1.03 | 642 |
| 2019-03-01 | $311,714 (5.3%) | $589,720 (70.1%) | 1.02 | 628 |
| 2019-04-01 | $318,908 (8.1%) | $749,855 (121.1%) | 1.01 | 622 |
| 2019-05-01 | $325,250 (8.6%) | $385,989 (7.6%) | 1.02 | 640 |
| 2019-06-01 | $329,900 (10.4%) | $393,216 (8.4%) | 1.03 | 665 |
| 2019-07-01 | $333,700 (9.4%) | $402,317 (9.5%) | 1.04 | 653 |
| 2019-08-01 | $329,136 (6.2%) | $396,528 (6.9%) | 1.04 | 642 |
| 2019-09-01 | $324,841 (8.3%) | $396,435 (10.6%) | 1.04 | 620 |
| 2019-10-01 | $321,977 (5.3%) | $396,373 (6.3%) | 1.04 | 605 |
| 2019-11-01 | $320,000 (6.7%) | $395,190 (11.7%) | 1.05 | 546 |
| 2019-12-01 | $319,950 (6.7%) | $400,226 (12.8%) | 1.07 | 519 |
| 2020-01-01 | $316,969 (5.8%) | $399,872 (10.9%) | 1.06 | 489 |
| 2020-02-01 | $329,900 (8.1%) | $406,221 (13.4%) | 1.08 | 446 |
| 2020-03-01 | $337,500 (8.3%) | $388,434 (-34.1%) | 1.06 | 429 |
| 2020-04-01 | $344,500 (8.0%) | $387,096 (-48.4%) | 1.08 | 433 |
| 2020-05-01 | $349,900 (7.6%) | $886,825 (129.8%) | 1.06 | 442 |
| 2020-06-01 | $349,950 (6.1%) | $393,833 (0.2%) | 1.03 | 377 |
| 2020-07-01 | $349,225 (4.7%) | $474,433 (17.9%) | 1.01 | 295 |
| 2020-08-01 | $347,500 (5.6%) | $495,306 (24.9%) | 1.00 | 225 |
| 2020-09-01 | $333,185 (2.6%) | $506,156 (27.7%) | 0.95 | 216 |
| 2020-10-01 | $339,900 (5.6%) | $512,485 (29.3%) | 0.97 | 232 |
| 2020-11-01 | $345,000 (7.8%) | $497,379 (25.9%) | 1.01 | 287 |
| 2020-12-01 | $369,950 (15.6%) | $533,576 (33.3%) | 1.10 | 244 |
| 2021-01-01 | $379,000 (19.6%) | $569,047 (42.3%) | 1.13 | 198 |
| 2021-02-01 | $377,900 (14.6%) | $605,898 (49.2%) | 1.10 | 174 |
| 2021-03-01 | $379,675 (12.5%) | $603,936 (55.5%) | 1.08 | 173 |
| 2021-04-01 | $378,675 (9.9%) | $604,881 (56.3%) | 1.03 | 158 |
| 2021-05-01 | $385,000 (10.0%) | $610,046 (-31.2%) | 1.02 | 161 |
| 2021-06-01 | $390,450 (11.6%) | $586,095 (48.8%) | 1.03 | 191 |
| 2021-07-01 | $395,000 (13.1%) | $585,220 (23.4%) | 1.04 | 214 |
| 2021-08-01 | $400,703 (15.3%) | $588,135 (18.7%) | 1.07 | 232 |
| 2021-09-01 | $399,950 (20.0%) | $579,196 (14.4%) | 1.07 | 274 |
| 2021-10-01 | $412,500 (21.4%) | $619,992 (21.0%) | 1.10 | 260 |
| 2021-11-01 | $424,975 (23.2%) | $721,416 (45.0%) | 1.14 | 247 |
| 2021-12-01 | $429,500 (16.1%) | $704,181 (32.0%) | 1.16 | 231 |
| 2022-01-01 | $437,000 (15.3%) | $740,690 (30.2%) | 1.18 | 187 |
| 2022-02-01 | $449,500 (19.0%) | $757,590 (25.0%) | 1.17 | 195 |
| 2022-03-01 | $447,450 (17.9%) | $725,781 (20.2%) | 1.12 | 221 |
| 2022-04-01 | $450,000 (18.8%) | $715,425 (18.3%) | 1.07 | 258 |
| 2022-05-01 | $470,500 (22.2%) | $719,866 (18.0%) | 1.08 | 318 |
| 2022-06-01 | $469,745 (20.3%) | $703,604 (20.1%) | 1.05 | 390 |
| 2022-07-01 | $445,999 (12.9%) | $614,826 (5.1%) | 1.00 | 473 |
| 2022-08-01 | $433,375 (8.2%) | $610,052 (3.7%) | 1.00 | 462 |
| 2022-09-01 | $435,225 (8.8%) | $611,810 (5.6%) | 1.02 | 455 |
| 2022-10-01 | $428,000 (3.8%) | $540,096 (-12.9%) | 1.01 | 450 |
| 2022-11-01 | $420,000 (-1.2%) | $533,140 (-26.1%) | 1.01 | 438 |
| 2022-12-01 | $428,500 (-0.2%) | $514,681 (-26.9%) | 1.06 | 381 |
| 2023-01-01 | $422,245 (-3.4%) | $509,052 (-31.3%) | 1.05 | 332 |
| 2023-02-01 | $439,500 (-2.2%) | $549,859 (-27.4%) | 1.06 | 300 |
| 2023-03-01 | $437,000 (-2.3%) | $543,071 (-25.2%) | 1.03 | 284 |
| 2023-04-01 | $440,995 (-2.0%) | $553,191 (-22.7%) | 1.03 | 245 |
| 2023-05-01 | $449,985 (-4.4%) | $562,926 (-21.8%) | 1.02 | 242 |
| 2023-06-01 | $449,945 (-4.2%) | $556,262 (-20.9%) | 1.01 | 273 |
| 2023-07-01 | $449,000 (0.7%) | $551,192 (-10.4%) | 1.02 | 307 |
| 2023-08-01 | $458,220 (5.7%) | $562,530 (-7.8%) | 1.05 | 315 |
| 2023-09-01 | $442,439 (1.7%) | $529,845 (-13.4%) | 1.03 | 333 |
| 2023-10-01 | $434,500 (1.5%) | $498,041 (-7.8%) | 1.02 | 347 |
| 2023-11-01 | $434,488 (3.5%) | $507,398 (-4.8%) | 1.03 | 342 |
| 2023-12-01 | $439,975 (2.7%) | $549,388 (6.7%) | 1.07 | 312 |
| 2024-01-01 | $443,498 (5.0%) | $554,264 (8.9%) | 1.08 | 274 |
| 2024-02-01 | $452,495 (3.0%) | $569,679 (3.6%) | 1.09 | 254 |
| 2024-03-01 | $466,514 (6.8%) | $585,844 (7.9%) | 1.10 | 269 |
| 2024-04-01 | $467,498 (6.0%) | $588,456 (6.4%) | 1.09 | 296 |
| 2024-05-01 | $483,553 (7.5%) | $625,240 (11.1%) | 1.10 | 288 |
| 2024-06-01 | $471,465 (4.8%) | $602,205 (8.3%) | 1.07 | 298 |
| 2024-07-01 | $475,368 (5.9%) | $593,006 (7.6%) | 1.09 | 324 |
| 2024-08-01 | $469,999 (2.6%) | $593,296 (5.5%) | 1.09 | 335 |
| 2024-09-01 | $465,790 (5.3%) | $567,575 (7.1%) | 1.10 | 401 |
| 2024-10-01 | $468,895 (7.9%) | $566,934 (13.8%) | 1.11 | 406 |
| 2024-11-01 | $465,000 (7.0%) | $580,854 (14.5%) | 1.12 | 400 |
| 2024-12-01 | $467,450 (6.2%) | $583,952 (6.3%) | 1.16 | 353 |
| 2025-01-01 | $462,500 (4.3%) | $581,678 (5.0%) | 1.15 | 349 |
| 2025-02-01 | $462,508 (2.2%) | $579,652 (1.8%) | 1.12 | 365 |
| 2025-03-01 | $460,000 (-1.4%) | $586,744 (0.2%) | 1.08 | 373 |
| 2025-04-01 | $459,675 (-1.7%) | $574,152 (-2.4%) | 1.07 | 421 |
| 2025-05-01 | $460,000 (-4.9%) | $559,375 (-10.5%) | 1.05 | 461 |
| 2025-06-01 | $455,416 (-3.4%) | $545,543 (-9.4%) | 1.03 | 477 |
| 2025-07-01 | $452,500 (-4.8%) | $543,741 (-8.3%) | 1.03 | 516 |
| 2025-08-01 | $449,000 (-4.5%) | $544,384 (-8.2%) | 1.04 | 495 |
| 2025-09-01 | $450,745 (-3.2%) | $551,111 (-2.9%) | 1.06 | 474 |
| 2025-10-01 | $436,258 (-7.0%) | $526,307 (-7.2%) | 1.03 | 455 |
| 2025-11-01 | $429,999 (-7.5%) | $526,241 (-9.4%) | 1.04 | 466 |
| 2025-12-01 | $427,000 (-8.7%) | $520,156 (-10.9%) | 1.07 | 461 |
| 2026-01-01 | $429,975 (-7.0%) | $525,695 (-9.6%) | 1.08 | 446 |
| 2026-02-01 | $432,313 (-6.5%) | $530,660 (-8.5%) | 1.07 | 425 |
| 2026-03-01 | $437,495 (-4.9%) | $541,740 (-7.7%) | 1.05 | 423 |
| 2026-04-01 | $441,546 (-3.9%) | $593,755 (3.4%) | 1.04 | 443 |
| 2026-05-01 | $446,500 (-2.9%) | $596,304 (6.6%) | 1.04 | 449 |
| 2026-06-01 | $453,422 (-0.4%) | $598,533 (9.7%) | 1.05 | 474 |
| 2026-07-01 | $450,590 (-0.4%) | $602,583 (10.8%) | 1.05 | 460 |
| 2026-08-01 | $451,593 (0.6%) | $576,557 (5.9%) | 1.06 | 448 |
| 2026-09-01 | $448,225 (-0.6%) | $547,563 (-0.6%) | 0.00 | 465 |
| 2026-10-01 | $440,000 (0.9%) | $529,623 (0.6%) | 0.00 | 469 |
MERCED's median listing price for 2026-10-01 was $440,000, a difference of
$3,742
(0.9%) versus the prior year and
$-8,225 versus the prior month.
MERCED's median listing price comes in at 0% of the national average.
MERCED's average listing price for 2026-10-01 was $529,623, a difference of $3,316 (0.6%) versus the prior year and $-17,940 versus the prior month.
For the 2026-10-01 period, MERCED had 469 MLS listings, a difference of 4 listings (1%) versus the prior month and 14 listings (3%) versus the prior year.
MERCED's median listing price comes in at 0% of the national average.
MERCED's average listing price for 2026-10-01 was $529,623, a difference of $3,316 (0.6%) versus the prior year and $-17,940 versus the prior month.
For the 2026-10-01 period, MERCED had 469 MLS listings, a difference of 4 listings (1%) versus the prior month and 14 listings (3%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - MERCED (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 53 days | 1,757 sqft |
| 2018-02-01 | 49 days | 1,757 sqft |
| 2018-03-01 | 43 days | 1,730 sqft |
| 2018-04-01 | 39 days | 1,700 sqft |
| 2018-05-01 | 40 days | 1,744 sqft |
| 2018-06-01 | 43 days | 1,749 sqft |
| 2018-07-01 | 42 days | 1,774 sqft |
| 2018-08-01 | 44 days | 1,733 sqft |
| 2018-09-01 | 48 days | 1,729 sqft |
| 2018-10-01 | 43 days | 1,760 sqft |
| 2018-11-01 | 52 days | 1,720 sqft |
| 2018-12-01 | 64 days | 1,726 sqft |
| 2019-01-01 | 73 days | 1,720 sqft |
| 2019-02-01 | 66 days | 1,775 sqft |
| 2019-03-01 | 58 days | 1,818 sqft |
| 2019-04-01 | 50 days | 1,867 sqft |
| 2019-05-01 | 46 days | 1,870 sqft |
| 2019-06-01 | 51 days | 1,854 sqft |
| 2019-07-01 | 52 days | 1,876 sqft |
| 2019-08-01 | 55 days | 1,843 sqft |
| 2019-09-01 | 61 days | 1,829 sqft |
| 2019-10-01 | 64 days | 1,818 sqft |
| 2019-11-01 | 65 days | 1,814 sqft |
| 2019-12-01 | 73 days | 1,761 sqft |
| 2020-01-01 | 69 days | 1,719 sqft |
| 2020-02-01 | 62 days | 1,772 sqft |
| 2020-03-01 | 55 days | 1,806 sqft |
| 2020-04-01 | 61 days | 1,804 sqft |
| 2020-05-01 | 69 days | 1,844 sqft |
| 2020-06-01 | 65 days | 1,862 sqft |
| 2020-07-01 | 67 days | 1,834 sqft |
| 2020-08-01 | 52 days | 1,827 sqft |
| 2020-09-01 | 47 days | 1,746 sqft |
| 2020-10-01 | 37 days | 1,749 sqft |
| 2020-11-01 | 32 days | 1,729 sqft |
| 2020-12-01 | 45 days | 1,831 sqft |
| 2021-01-01 | 52 days | 1,815 sqft |
| 2021-02-01 | 31 days | 1,683 sqft |
| 2021-03-01 | 33 days | 1,649 sqft |
| 2021-04-01 | 41 days | 1,700 sqft |
| 2021-05-01 | 40 days | 1,700 sqft |
| 2021-06-01 | 27 days | 1,692 sqft |
| 2021-07-01 | 31 days | 1,713 sqft |
| 2021-08-01 | 34 days | 1,739 sqft |
| 2021-09-01 | 35 days | 1,724 sqft |
| 2021-10-01 | 39 days | 1,703 sqft |
| 2021-11-01 | 43 days | 1,593 sqft |
| 2021-12-01 | 50 days | 1,619 sqft |
| 2022-01-01 | 58 days | 1,564 sqft |
| 2022-02-01 | 36 days | 1,568 sqft |
| 2022-03-01 | 29 days | 1,656 sqft |
| 2022-04-01 | 33 days | 1,690 sqft |
| 2022-05-01 | 35 days | 1,774 sqft |
| 2022-06-01 | 37 days | 1,780 sqft |
| 2022-07-01 | 37 days | 1,720 sqft |
| 2022-08-01 | 49 days | 1,702 sqft |
| 2022-09-01 | 56 days | 1,713 sqft |
| 2022-10-01 | 52 days | 1,727 sqft |
| 2022-11-01 | 59 days | 1,731 sqft |
| 2022-12-01 | 71 days | 1,744 sqft |
| 2023-01-01 | 77 days | 1,717 sqft |
| 2023-02-01 | 79 days | 1,790 sqft |
| 2023-03-01 | 55 days | 1,709 sqft |
| 2023-04-01 | 48 days | 1,711 sqft |
| 2023-05-01 | 43 days | 1,738 sqft |
| 2023-06-01 | 37 days | 1,743 sqft |
| 2023-07-01 | 40 days | 1,725 sqft |
| 2023-08-01 | 44 days | 1,719 sqft |
| 2023-09-01 | 46 days | 1,677 sqft |
| 2023-10-01 | 45 days | 1,667 sqft |
| 2023-11-01 | 50 days | 1,694 sqft |
| 2023-12-01 | 64 days | 1,671 sqft |
| 2024-01-01 | 67 days | 1,705 sqft |
| 2024-02-01 | 44 days | 1,722 sqft |
| 2024-03-01 | 38 days | 1,763 sqft |
| 2024-04-01 | 37 days | 1,727 sqft |
| 2024-05-01 | 36 days | 1,764 sqft |
| 2024-06-01 | 43 days | 1,745 sqft |
| 2024-07-01 | 42 days | 1,763 sqft |
| 2024-08-01 | 46 days | 1,744 sqft |
| 2024-09-01 | 44 days | 1,653 sqft |
| 2024-10-01 | 49 days | 1,731 sqft |
| 2024-11-01 | 59 days | 1,720 sqft |
| 2024-12-01 | 69 days | 1,693 sqft |
| 2025-01-01 | 73 days | 1,661 sqft |
| 2025-02-01 | 59 days | 1,651 sqft |
| 2025-03-01 | 51 days | 1,721 sqft |
| 2025-04-01 | 48 days | 1,754 sqft |
| 2025-05-01 | 45 days | 1,775 sqft |
| 2025-06-01 | 47 days | 1,750 sqft |
| 2025-07-01 | 54 days | 1,761 sqft |
| 2025-08-01 | 59 days | 1,726 sqft |
| 2025-09-01 | 58 days | 1,734 sqft |
| 2025-10-01 | 54 days | 1,670 sqft |
| 2025-11-01 | 57 days | 1,645 sqft |
| 2025-12-01 | 57 days | 1,614 sqft |
| 2026-01-01 | 65 days | 1,617 sqft |
| 2026-02-01 | 52 days | 1,619 sqft |
| 2026-03-01 | 47 days | 1,624 sqft |
| 2026-04-01 | 50 days | 1,683 sqft |
| 2026-05-01 | 51 days | 1,731 sqft |
| 2026-06-01 | 50 days | 1,750 sqft |
| 2026-07-01 | 53 days | 1,757 sqft |
| 2026-08-01 | 57 days | 1,738 sqft |
| 2026-09-01 | 0 days | 1,667 sqft |
| 2026-10-01 | 0 days | 1,670 sqft |
MERCED's median listing age (time on market) for 2026-10-01 was 0 days.
This
is -100%
shorter
than the same period one year ago.
MERCED's median square footage for active listings during the 2026-10-01 period was 1,670 sqft. One year prior, the average listing was 1,670 sqft.
MERCED's median square footage for active listings during the 2026-10-01 period was 1,670 sqft. One year prior, the average listing was 1,670 sqft.
MERCED, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,019 | $727,905,000 | $360,527 |
| Cash Out Refi | 660 | $146,310,000 | $221,682 |
| Refi | 375 | $128,825,000 | $343,533 |
| Other | 318 | $29,390,000 | $92,421 |
| Home Improvement | 265 | $27,395,000 | $103,377 |
| NA | 3 | $755,000 | $251,667 |
Merced's most frequently cited loan purpose was Home Purchase, with 2,019 originations. The 2nd most popular reason was Cash Out Refi, with 660 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,407 | $491,775,000 | $349,520 |
| 5-6% | 758 | $282,090,000 | $372,150 |
| Over 8% | 588 | $73,900,000 | $125,680 |
| 7-8% | 495 | $130,565,000 | $263,768 |
| <2.5% | 129 | $2,945,000 | $22,829 |
| 4-5% | 124 | $52,980,000 | $427,258 |
| 3-4% | 7 | $2,255,000 | $322,143 |
| 2.5-3% | 1 | $315,000 | $315,000 |
During 2025, Merced's most frequently originated rate bucket was 6-7%, with 1,407 originations.
Loan Sizing (MERCED, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,489 | $473,385,000 | $317,921 |
| $400k-600k | 886 | $413,900,000 | $467,156 |
| $100,000 or less | 710 | $37,830,000 | $53,282 |
| $100k-200k | 467 | $65,585,000 | $140,439 |
| $600k-1000k | 81 | $57,665,000 | $711,914 |
| $Over $1MM | 7 | $12,215,000 | $1,745,000 |
MERCED's loan sizing saw the bucket of loans from $200k-400k with 1,489 originations, totaling $473,385,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,483 | $604,955,000 | $407,927 |
| 60-80% | 671 | $242,875,000 | $361,960 |
| Under 20% | 665 | $36,825,000 | $55,376 |
| 20-40% | 405 | $55,825,000 | $137,840 |
| 40-60% | 283 | $70,395,000 | $248,746 |
| Over 100% | 30 | $14,050,000 | $468,333 |
MERCED's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,483 originations, totaling $604,955,000 in origination value.