MERCED Mortgage Rates

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

30 Year Fixed Rate mortgages in Merced averaged 5.78% for the week of 2022-05-19, compared to the national average of 5.25% for the same period.

The average rate for the prior week (2022-05-12) was 5.73% and one month ago for the week of 2022-04-14, the average rate was 5.23%.

Merced's average rate one year ago was 3.45%.

For refis of the same type during the week of 2022-05-19, the average rate was 5.26%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-19 5.25%
Merced 30 Year Fixed Rate 2022-05-19 5.78%
Merced 30 Year Fixed Rate Refi 2022-05-19 5.26%
Merced 15 Year Fixed Rate 2022-05-19 4.77%
Merced 15 Year Fixed Rate Refi 2022-05-19 4.5%
Merced 30 Year FHA 2022-05-19 5.23%
Merced 30 Year FHA Refi 2022-05-19 5.11%
Merced 30 Year USDA 2022-05-19 5.45%
Merced 30 Year USDA Refi 2022-05-19 5.34%
Merced 30 Year VA 2022-05-19 5.21%
Merced 30 Year VA Refi 2022-05-19 5.09%
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 lendor, 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 689 3.05% $4,831
UNITED WHOLESALE MORTGAGE, LLC 491 2.97% $5,101
AMERICAN FINANCIAL NETWORK, INC. 227 3.15% $8,719
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 220 3.22% $4,946
LOANDEPOT.COM, LLC 202 3.04% $5,656
DHI MORTGAGE COMPANY, LTD. 191 2.98% $4,599
CROSSCOUNTRY MORTGAGE, LLC 172 3.20% $4,815
Wells Fargo Bank 170 3.17% $2,739
AMERICAN PACIFIC MORTGAGE CORPORATION 156 3.17% $5,267
HOME POINT FINANCIAL CORPORATION 124 3.06% $4,325
SUMMIT FUNDING, INC. 122 3.19% $6,234
ENVOY MORTGAGE, LTD 118 3.24% $7,229
JPMorgan Chase Bank 116 3.11% $2,862
EAGLE HOME MORTGAGE, LLC 115 3.29% $5,001
CALIBER HOME LOANS, INC. 109 3.19% $4,251
SCENIC OAKS FUNDING, INC. 109 3.28% $4,330
Mr. Cooper ( Nationstar Mortgage ) 80 3.18% $6,490
LAND HOME FINANCIAL SERVICES, INC. 77 3.24% $4,925
FINANCE OF AMERICA MORTGAGE LLC 71 3.22% $6,290
PRIMELENDING, A PLAINSCAPITAL COMPANY 69 3.37% $4,744
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 69 3.46% $4,632
FREEDOM MORTGAGE CORPORATION 68 3.27% $3,265
ACADEMY MORTGAGE CORPORATION 65 3.18% $5,452
AMERISAVE MORTGAGE CORPORATION 65 2.82% $5,131
RESIDENTIAL BANCORP. 57 3.38% $6,763
MOVEMENT MORTGAGE, LLC 56 3.26% $5,715
PENNYMAC LOAN SERVICES, LLC 56 3.12% $6,014
ALAMEDA MORTGAGE CORPORATION 56 3.13% $4,873
PRIMARY RESIDENTIAL MORTGAGE, INC. 50 3.16% $7,666
GUILD MORTGAGE COMPANY 49 3.29% $4,972
Paramount Residential Mortgage Group, Inc. 49 3.25% $5,056
TRAVIS CREDIT UNION 45 3.25% $2,349
NEWREZ LLC 45 3.27% $3,873
BROKER SOLUTIONS, INC. 44 2.98% $4,671
BETTER MORTGAGE CORPORATION 35 2.90% $2,849
MOUNTAIN WEST FINANCIAL, INC. 32 3.15% $5,265
General Mortgage Capital Corporation 32 3.46% $3,542
PLAZA HOME MORTGAGE, INC. 31 3.10% $4,300
STEARNS LENDING, LLC 31 3.03% $3,764
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 30 3.26% $4,700
BBVA USA 30 3.17% $4,552
Flagstar Bank, FSB 30 3.30% $4,519
INSPIRE HOME LOANS INC. 29 3.38% $4,581
S1L, Inc. 28 3.21% $4,680
U.S. Bank 28 3.13% $4,097
ROUNDPOINT MORTGAGE SERVICING CORPORATION 25 3.37% $2,936
Bank of America 25 3.02% $3,646
GUARANTEED RATE, INC. 24 2.94% $3,741
Sierra Pacific Mortgage Company, Inc. 24 3.10% $4,216
NETWORK CAPITAL FUNDING CORPORATION 24 3.28% $5,543
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 22 3.18% $5,296
HOMEBRIDGE FINANCIAL SERVICES, INC. 21 3.28% $5,949
MUTUAL OF OMAHA MORTGAGE, INC. 21 3.16% $3,688
Amerifirst Financial, Inc. 20 3.34% $5,784
LOANPAL, LLC 20 3.12% $6,780
Commerce Home Mortgage, Inc. 19 3.35% $6,377
GOOGAIN, INC. 19 3.45% $3,257
Citibank 19 3.09% $4,529
MASON MCDUFFIE MORTGAGE CORPORATION 19 3.23% $4,961
Fremont Bank 18 3.15% $1,391
Bank of the West 18 3.41% $4,771
MLD MORTGAGE INC. 17 3.26% $4,650
THE GOLDEN 1 16 3.38% $3,014
Golden Empire Mortgage, Inc. 16 3.12% $6,260
Hometown Equity Mortgage, LLC 16 3.24% $6,654
InterContinental Capital Group, Inc 15 3.05% $4,168
LADERA LENDING, INC. 15 3.13% $3,699
MUFG Union Bank 14 3.22% $4,063
MERCO Credit Union 14 3.16% $5,218
PREMIER MORTGAGE RESOURCES, L.L.C. 14 3.45% $5,082
UNION HOME MORTGAGE CORP. 14 3.01% $4,385
Prosperity Home Mortgage, LLC 13 3.30% $4,349
PNC Bank 12 3.13% $3,337
AMERICAN INTERNET MORTGAGE, INC. 11 2.83% $2,544
PLANET HOME LENDING, LLC 11 3.26% $3,996
PROVIDENT FUNDING ASSOCIATES, L.P. 11 2.66% $3,634
CMG MORTGAGE, INC. 11 3.19% $4,159
Strong Home Mortgage, LLC 10 3.06% $2,595
FBC MORTGAGE, LLC 10 3.50% $3,999
North American Savings Bank, F.S.B. 10 2.90% $2,244
Tri Counties Bank 10 3.53% $3,274
SUN WEST MORTGAGE COMPANY, INC. 9 3.21% $4,646
AMERICAN FINANCING CORPORATION 9 3.26% $5,227
IMPAC MORTGAGE CORP. 9 2.93% $842
HOMESIDE FINANCIAL, LLC 9 2.79% $4,214
NBKC BANK 9 3.11% $2,261
Nations Lending Corporation 9 3.18% $6,644
Citadel Servicing Corporation 8 4.80% $8,088
Umpqua Bank 8 3.13% $4,426
Educational Employees Credit Union 8 3.13% $2,179
MEGA CAPITAL FUNDING, INC. 8 3.13% $3,734
NMSI, INC. 8 3.64% $8,726
BAY EQUITY LLC 8 3.39% $4,583
ZILLOW HOME LOANS, LLC 7 3.29% $3,799
Axos Bank 7 3.30% $2,936
Carrington Mortgage Services, LLC 7 3.18% $5,549
EVERETT FINANCIAL, INC. 7 3.48% $2,195
Valley First Credit Union 7 3.09% $4,584
CHERRY CREEK MORTGAGE, LLC 6 2.88% $995
COUNTRY CLUB MORTGAGE, INC. 6 3.21% $4,147
Platinum Home Mortgage Corporation 6 3.71% $7,697
AmeriHome Mortgage Company, LLC 6 3.33% $3,217
ARC HOME LLC 6 3.99% $6,134
Equity Prime Mortgage LLC 6 3.25% $4,744
Mortgage Research Center, LLC 6 2.98% $3,519
ANGEL OAK MORTGAGE SOLUTIONS LLC 6 4.17% $11,049
GUARANTEED RATE AFFINITY, LLC 6 3.12% $4,583
Greenbox Loans, Inc. 6 6.58% $11,816
PATELCO 6 3.42% $2,840
ROYAL UNITED MORTGAGE LLC 5 3.38% $8,669
FirstBank 5 2.78% $2,300
BAY 5 3.40% $3,550
SANTA CLARA COUNTY 5 3.13% $3,003
San Mateo Credit Union 5 3.08% $3,568
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 5 2.78% $6,747
CELEBRITY HOME LOANS, LLC 5 3.45% $3,208
LENDUS, LLC 5 2.92% $3,667
Provident Credit Union 5 2.75% $4,578
CHURCHILL MORTGAGE CORPORATION 5 3.02% $5,237
The Loan Store, Inc. 5 3.63% $3,902
DIGNIFIED HOME LOANS, LLC 5 3.52% $6,570
Prime Choice Funding Inc. 4 2.94% $5,540
PHH Mortgage Corporation 4 3.19% $6,157
First Guaranty Mortgage Corporation 4 2.94% $5,097
CANOPY MORTGAGE, LLC 4 2.84% $5,233
LENOX FINANCIAL MORTGAGE CORPORATION 4 2.84% $2,147
Mechanics Bank 4 3.16% $3,438
STAR ONE CREDIT UNION 4 3.06% $2,265
First Savings Bank 4 3.00% $4,988
The Federal Savings Bank 4 3.41% $6,046
INTELLILOAN, INC. 4 2.97% $3,867
Ally Bank 4 3.31% $3,842
Watermark Capital, Inc. 4 2.68% $2,492
KEYPOINT 4 3.18% $4,133
Northwest Farm Credit Services, FLCA 4 3.71% $10,304
LAKEVIEW LOAN SERVICING, LLC 4 3.66% $2,488
PARKSIDE LENDING, LLC 4 3.06% $3,493
JMJ FINANCIAL GROUP 3 2.96% $3,546
HOME APPROVALS DIRECT, INC. 3 3.50% $9,537
CENTRAL COAST LENDING, INC. 3 2.54% $3,348
First National Bank of America 3 6.67% $12,450
NEW WAVE LENDING GROUP INC 3 3.04% $4,485
Truist Bank 3 3.10% $2,925
Operating Engineers Local Union #3 3 3.75% $3,545
PACIFIC SERVICE 3 3.58% $2,994
ANGEL OAK HOME LOANS LLC 3 4.00% $6,421
OCMBC, INC. 3 3.25% $6,081
WINNPOINTE CORPORATION 3 2.58% $1,400
Manufacturers and Traders Trust Company 3 3.42% $5,121
PREMIER LENDING, INC. 3 2.96% $4,513
HOMESTEAD FUNDING CORP. 3 2.88% $3,530
HOMEXPRESS MORTGAGE CORP. 3 4.25% $10,300
HighTechLending Inc 3 3.21% $5,329
NATIONS DIRECT MORTGAGE, LLC 3 2.75% $8,228
MICHIGAN MUTUAL, INC. 3 2.79% $10,581
Arvest Bank 3 3.21% $3,573
NAVY FEDERAL CREDIT UNION 3 3.21% $2,455
Lakeview Community Capital, LLC 3 3.71% $2,411
COMMUNITY MORTGAGE FUNDING, LLC 2 3.75% $4,283
KBHS HOME LOANS, LLC 2 3.00% $10,548
KELLER MORTGAGE, LLC 2 3.06% $2,013
KeyBank 2 2.69% $5,696
Home Mortgage Alliance Corp 2 3.50% $7,139
Northpointe Bank 2 3.35% $2,905
Citizens Bank 2 2.88% $7,108
BAYSHORE MORTGAGE FUNDING, LLC 2 3.31% $5,073
FIRST CENTENNIAL MORTGAGE CORPORATION 2 3.13% $3,780
MERIWEST MORTGAGE COMPANY, LLC 2 3.25% $5,295
GRANDE HOMES, INC. 2 3.00% $5,281
EXCITE Credit Union 2 2.81% $3,192
Franklin Loan Corporation 2 3.06% $3,965
MID-VALLEY SERVICES, INC. 2 6.50% $8,909
MORIA DEVELOPMENT, INC. 2 3.75% $4,576
SUMMIT MORTGAGE BANKERS INC. 2 3.69% $2,578
TECHNOLOGY 2 2.81% $5,757
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 2.87% $6,186
EMM LOANS LLC 2 3.18% $8,436
LOANLEADERS OF AMERICA, INC. 2 2.75% $5,044
Firefighters First Federal Credit Union 2 3.25% $3,370
TJC Mortgage, Inc. 2 3.63% $5,558
TOP FLITE FINANCIAL, INC. 2 3.56% $18,995
CITIZENS EQUITY FIRST 2 3.38% $3,850
LIBERTY HOME MORTGAGE CORPORATION 2 2.93% $6,632
Financial Partners Credit Union 2 2.81% $2,885
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 3.13% $3,218
USAA Federal Savings Bank 2 3.00% $5,000
OPEN MORTGAGE, LLC 2 3.25% $6,254
5TH STREET CAPITAL, INC. 2 5.62% $18,038
ABSOLUTE HOME MORTGAGE CORPORATION 2 3.18% $2,635
HOMEOWNERS FINANCIAL GROUP USA, LLC 2 3.00% $4,049
Wyndham Capital Mortgage, Inc. 2 3.06% $1,433
JMAC LENDING, INC. 2 2.93% $5,472
GEO-CORP, INC. 1 2.99% $6,868
GoPrime Mortgage, Inc. 1 3.63% $6,186
HomePromise Corporation 1 3.25% $5,720
HomeStreet Bank 1 3.00% $3,253
HSBC BANK USA, NATIONAL ASSOCIATION 1 2.63% $3,744
First Bank 1 3.00% $3,586
INFINITY EQUITY GROUP, INC. 1 3.25% $3,304
INTERNATIONAL CITY MORTGAGE, INC. 1 3.13% $4,474
FEDEX EMPLOYEES CREDIT ASSOCIATION 1 3.25% $4,202
KD CAPITAL MORTGAGE CORPORATION 1 3.25% $3,563
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 1 4.75% $3,314
Lend Smart Mortgage, LLC 1 3.25% $4,367
LENDSURE MORTGAGE CORP. 1 4.63% $18,926
LOANSNAP, INC. 1 2.75% $2,852
LOGIX FEDERAL CREDIT UNION 1 2.75% $3,939
Luxury Mortgage Corp. 1 3.50% $0
EMBRACE HOME LOANS, INC. 1 3.38% $5,776
DIRECT MORTGAGE, CORP. 1 3.38% $11,072
MEGASTAR FINANCIAL CORP. 1 4.00% $6,061
MID AMERICA MORTGAGE, INC. 1 3.00% $2,654
DIGITAL Federal Credit Union 1 3.38% $6,361
MORTGAGE 2000, INC. 1 3.00% $6,549
DEL SUR CORPORATION 1 2.75% $3,453
DEEPHAVEN MORTGAGE LLC 1 5.13% $11,146
DATA MORTGAGE, INC. 1 2.88% $3,915
CORNERSTONE HOME LENDING, INC. 1 3.50% $2,485
Constant Investments, Inc. 1 3.38% $5,625
Neighborhood Loans, Inc. 1 3.25% $5,395
Colten Mortgage, LLC 1 3.25% $1,574
NEW DAY FINANCIAL, LLC 1 2.99% $5,581
COASTAL FUNDING SLC, INC. 1 3.25% $7,522
NEXERA HOLDING LLC 1 3.38% $4,064
NFM, INC. 1 3.38% $3,961
COAST 2 COAST FUNDING GROUP, INC. 1 3.13% $3,234
CITYWIDE HOME LOANS, LLC 1 3.13% $3,451
NP, Inc. 1 2.88% $4,653
OAKTREE FUNDING CORP. 1 3.75% $8,648
ONY GLO, INC. 1 2.63% $3,153
PANORAMA MORTGAGE GROUP, LLC 1 3.13% $3,079
Plains Commerce Bank 1 2.88% $13,414
Cf Bank 1 2.63% $1,055
Carrollton Bank 1 2.88% $2,746
CALCON MUTUAL MORTGAGE LLC 1 3.38% $5,984
BNC National Bank 1 3.13% $2,114
RANLIFE, INC. 1 3.25% $5,119
REDWOOD 1 3.63% $2,463
BEST FINANCE CAPITAL, INC. 1 3.00% $7,648
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 3.13% $2,786
RMS & Associates 1 3.49% $6,902
BEST CAPITAL FUNDING 1 3.13% $4,774
SACRAMENTO Credit Union 1 3.25% $2,260
SAFE CREDIT UNION 1 2.88% $3,497
SAN FRANCISCO FEDERAL CREDIT UNION 1 3.25% $4,194
SCHOOLSFIRST 1 2.75% $3,625
SECURITYNATIONAL MORTGAGE COMPANY 1 3.00% $8,966
Barrington Bank & Trust Company, N.A. 1 3.00% $2,946
SOFI LENDING CORP. 1 2.88% $3,407
SOVEREIGN LENDING GROUP INCORPORATED 1 2.25% $9,387
S&S Financial 1 2.63% $2,060
Bank of Utah 1 2.88% $6,953
AXIA FINANCIAL, LLC 1 3.13% $3,739
ATHAS CAPITAL GROUP, INC. 1 6.75% $6,670
Texana Bank 1 3.50% $2,650
Third Federal Savings and Loan Association of Cleveland 1 2.74% $370
TIAA, FSB 1 3.13% $2,972
TOWNE MORTGAGE COMPANY 1 2.50% $5,841
UNCLE Credit Union 1 3.13% $7,153
Willamette Valley Bank 1 3.00% $5,115
GENEVA FINANCIAL, LLC 1 3.25% $2,575

MERCED, CA's 261 lenders originated 11,153 loans during 2021. The total origination value was $3,125,165,000, with an average loan value of $280,208.

The top MERCED lender as defined by loan originations is QUICKEN LOANS, LLC, with 689 loans originated. Their average total fees are $4,831, which is $270 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee MERCED lenders (with over 10 loans originated) are Fremont Bank ($1,391), North American Savings Bank, F.S.B. ($2,244), TRAVIS CREDIT UNION ($2,349), AMERICAN INTERNET MORTGAGE, INC. ($2,544) and Strong Home Mortgage, LLC ($2,595).

The lowest rate MERCED lenders (with over 10 loans originated) are PROVIDENT FUNDING ASSOCIATES, L.P. (2.66%), AMERISAVE MORTGAGE CORPORATION (2.82%), AMERICAN INTERNET MORTGAGE, INC. (2.83%), BETTER MORTGAGE CORPORATION (2.90%) and North American Savings Bank, F.S.B. (2.90%).

MERCED, CA Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $209,670,000 $269,070,000 28.3% 8.6%
UNITED WHOLESALE MORTGAGE, LLC $161,755,000 $238,160,000 47.2% 7.6%
FREEDOM MORTGAGE CORPORATION $141,235,000 $109,575,000 -22.4% 3.5%
DHI MORTGAGE COMPANY, LTD. $44,705,000 $107,950,000 141.5% 3.5%
AMERICAN FINANCIAL NETWORK, INC. $104,590,000 $106,835,000 2.1% 3.4%
LOANDEPOT.COM, LLC $52,020,000 $103,275,000 98.5% 3.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $115,895,000 $90,290,000 -22.1% 2.9%
CROSSCOUNTRY MORTGAGE, LLC $74,640,000 $86,860,000 16.4% 2.8%
AMERICAN PACIFIC MORTGAGE CORPORATION $67,695,000 $80,275,000 18.6% 2.6%
Wells Fargo Bank $64,505,000 $68,455,000 6.1% 2.2%
HOME POINT FINANCIAL CORPORATION $32,215,000 $57,475,000 78.4% 1.8%
SUMMIT FUNDING, INC. $50,880,000 $55,300,000 8.7% 1.8%
ENVOY MORTGAGE, LTD $31,955,000 $54,710,000 71.2% 1.8%
CALIBER HOME LOANS, INC. $24,495,000 $52,900,000 116.0% 1.7%
SCENIC OAKS FUNDING, INC. $43,145,000 $51,115,000 18.5% 1.6%
JPMorgan Chase Bank $32,325,000 $49,015,000 51.6% 1.6%
PNC Bank $33,570,000 $48,095,000 43.3% 1.5%
Mr. Cooper ( Nationstar Mortgage ) $34,400,000 $47,135,000 37.0% 1.5%
PENNYMAC LOAN SERVICES, LLC $24,705,000 $42,985,000 74.0% 1.4%
EAGLE HOME MORTGAGE, LLC $28,245,000 $42,945,000 52.0% 1.4%
LAND HOME FINANCIAL SERVICES, INC. $39,815,000 $32,655,000 -18.0% 1.0%
GREYSTONE SERVICING COMPANY LLC $31,500,000 n/a 1.0%
FINANCE OF AMERICA MORTGAGE LLC $32,265,000 $31,450,000 -2.5% 1.0%
MOVEMENT MORTGAGE, LLC $12,450,000 $30,705,000 146.6% 1.0%
CBRE MULTIFAMILY CAPITAL, INC. $30,565,000 n/a 1.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $33,350,000 $29,865,000 -10.4% 1.0%
WALKER & DUNLOP, LLC $29,510,000 n/a 0.9%
PRIMELENDING, A PLAINSCAPITAL COMPANY $30,290,000 $28,465,000 -6.0% 0.9%
AMERISAVE MORTGAGE CORPORATION $17,600,000 $28,220,000 60.3% 0.9%
ACADEMY MORTGAGE CORPORATION $19,975,000 $27,975,000 40.1% 0.9%
ALAMEDA MORTGAGE CORPORATION $19,745,000 $26,210,000 32.7% 0.8%
RESIDENTIAL BANCORP. $9,010,000 $24,105,000 167.5% 0.8%
MERCED SCHOOL EMPLOYEES FEDERAL CREDIT UNION $25,195,000 $22,500,000 -10.7% 0.7%
BROKER SOLUTIONS, INC. $20,080,000 $22,470,000 11.9% 0.7%
GUILD MORTGAGE COMPANY $19,535,000 $22,100,000 13.1% 0.7%
NEWREZ LLC $16,025,000 $21,220,000 32.4% 0.7%
Bank of America $21,090,000 $20,030,000 -5.0% 0.6%
Paramount Residential Mortgage Group, Inc. $7,310,000 $19,865,000 171.8% 0.6%
PRIMARY RESIDENTIAL MORTGAGE, INC. $31,590,000 $19,730,000 -37.5% 0.6%
INSPIRE HOME LOANS INC. $9,305,000 $19,540,000 110.0% 0.6%
TRAVIS CREDIT UNION $27,720,000 $18,995,000 -31.5% 0.6%
Mortgage Research Center, LLC $9,680,000 $18,745,000 93.6% 0.6%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $7,830,000 $17,910,000 128.7% 0.6%
BETTER MORTGAGE CORPORATION $7,035,000 $17,700,000 151.6% 0.6%
HOMEBRIDGE FINANCIAL SERVICES, INC. $12,315,000 $17,605,000 43.0% 0.6%
U.S. Bank $12,385,000 $16,370,000 32.2% 0.5%
GUARANTEED RATE, INC. $3,780,000 $15,945,000 321.8% 0.5%
MOUNTAIN WEST FINANCIAL, INC. $8,935,000 $14,650,000 64.0% 0.5%
Flagstar Bank, FSB $10,320,000 $14,600,000 41.5% 0.5%
PLAZA HOME MORTGAGE, INC. $27,650,000 $14,570,000 -47.3% 0.5%
STEARNS LENDING, LLC $17,015,000 $14,025,000 -17.6% 0.4%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $3,165,000 $13,785,000 335.5% 0.4%
Commerce Home Mortgage, Inc. $10,090,000 $13,575,000 34.5% 0.4%
SUN WEST MORTGAGE COMPANY, INC. $12,330,000 $13,440,000 9.0% 0.4%
BBVA USA $22,420,000 $12,360,000 -44.9% 0.4%
Amerifirst Financial, Inc. $18,680,000 $12,100,000 -35.2% 0.4%
Golden Empire Mortgage, Inc. $12,280,000 $11,750,000 -4.3% 0.4%
S1L, Inc. $5,380,000 $11,620,000 116.0% 0.4%
Farmers & Merchants Bank of Central California $9,895,000 $11,310,000 14.3% 0.4%
MUFG Union Bank $3,610,000 $10,455,000 189.6% 0.3%
Sierra Pacific Mortgage Company, Inc. $8,555,000 $10,440,000 22.0% 0.3%
Mechanics Bank $8,780,000 $10,115,000 15.2% 0.3%
LAKEVIEW LOAN SERVICING, LLC $5,920,000 $10,025,000 69.3% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $10,145,000 $9,950,000 -1.9% 0.3%
LOANPAL, LLC $11,810,000 $9,380,000 -20.6% 0.3%
Bank of the West $14,455,000 $9,175,000 -36.5% 0.3%
Citibank $6,635,000 $9,085,000 36.9% 0.3%
Carrington Mortgage Services, LLC $8,715,000 $8,915,000 2.3% 0.3%
AMWEST FUNDING CORP. $5,200,000 $8,830,000 69.8% 0.3%
Fremont Bank $9,100,000 $8,820,000 -3.1% 0.3%
General Mortgage Capital Corporation $9,720,000 $8,645,000 -11.1% 0.3%
MASON MCDUFFIE MORTGAGE CORPORATION $6,610,000 $8,215,000 24.3% 0.3%
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. $14,845,000 $8,035,000 -45.9% 0.3%
THE GOLDEN 1 $5,410,000 $8,005,000 48.0% 0.3%
Self-Help Federal Credit Union $8,680,000 $7,825,000 -9.9% 0.3%
Hometown Equity Mortgage, LLC $2,480,000 $7,820,000 215.3% 0.3%
InterContinental Capital Group, Inc $5,585,000 $7,765,000 39.0% 0.2%
PLANET HOME LENDING, LLC $5,495,000 $7,750,000 41.0% 0.2%
MLD MORTGAGE INC. $1,360,000 $7,680,000 464.7% 0.2%
NETWORK CAPITAL FUNDING CORPORATION $8,415,000 $7,525,000 -10.6% 0.2%
Nations Lending Corporation $7,535,000 $7,240,000 -3.9% 0.2%
MERCO Credit Union $6,350,000 $7,235,000 13.9% 0.2%
CMG MORTGAGE, INC. $6,280,000 $7,130,000 13.5% 0.2%
Lakeview Community Capital, LLC $6,595,000 $7,075,000 7.3% 0.2%
Equity Prime Mortgage LLC $1,365,000 $6,450,000 372.5% 0.2%
LADERA LENDING, INC. $6,050,000 $6,235,000 3.1% 0.2%
NEW DAY FINANCIAL, LLC $3,560,000 $6,225,000 74.9% 0.2%
PREMIER MORTGAGE RESOURCES, L.L.C. $1,620,000 $6,195,000 282.4% 0.2%
AMERICAN INTERNET MORTGAGE, INC. $2,405,000 $5,810,000 141.6% 0.2%
UNION HOME MORTGAGE CORP. $5,290,000 $5,765,000 9.0% 0.2%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $14,505,000 $5,695,000 -60.7% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $8,355,000 $5,695,000 -31.8% 0.2%
GOOGAIN, INC. $3,105,000 $5,680,000 82.9% 0.2%
Tri Counties Bank $6,400,000 $5,375,000 -16.0% 0.2%
Prosperity Home Mortgage, LLC $2,950,000 $5,160,000 74.9% 0.2%
FBC MORTGAGE, LLC $7,745,000 $4,845,000 -37.4% 0.2%
North American Savings Bank, F.S.B. $1,815,000 $4,760,000 162.3% 0.2%
PHH Mortgage Corporation $1,970,000 $4,750,000 141.1% 0.2%
IMPAC MORTGAGE CORP. $3,445,000 $4,455,000 29.3% 0.1%
Educational Employees Credit Union $5,930,000 $4,400,000 -25.8% 0.1%
AMERICAN ADVISORS GROUP $1,175,000 $4,330,000 268.5% 0.1%
CLEARPATH LENDING $7,550,000 $4,085,000 -45.9% 0.1%
The Federal Savings Bank $6,415,000 $4,065,000 -36.6% 0.1%
PATELCO $3,385,000 $3,980,000 17.6% 0.1%
USAA Federal Savings Bank $4,210,000 $3,950,000 -6.2% 0.1%
Strong Home Mortgage, LLC $2,340,000 $3,935,000 68.2% 0.1%
NATIONS DIRECT MORTGAGE, LLC $1,830,000 $3,870,000 111.5% 0.1%
CHERRY CREEK MORTGAGE, LLC $1,800,000 $3,850,000 113.9% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $4,870,000 $3,810,000 -21.8% 0.1%
First Guaranty Mortgage Corporation $2,870,000 $3,735,000 30.1% 0.1%
Valley First Credit Union $3,735,000 n/a 0.1%
Citadel Servicing Corporation $145,000 $3,725,000 2,469.0% 0.1%
Umpqua Bank $5,145,000 $3,720,000 -27.7% 0.1%
Platinum Home Mortgage Corporation $7,480,000 $3,555,000 -52.5% 0.1%
GUARANTEED RATE AFFINITY, LLC $2,725,000 $3,415,000 25.3% 0.1%
BAY EQUITY LLC $3,005,000 $3,410,000 13.5% 0.1%
NBKC BANK $4,805,000 $3,230,000 -32.8% 0.1%
NAVY FEDERAL CREDIT UNION $6,510,000 $3,170,000 -51.3% 0.1%
FirstBank $3,560,000 $3,055,000 -14.2% 0.1%
EVERETT FINANCIAL, INC. $17,790,000 $3,005,000 -83.1% 0.1%
COUNTRY CLUB MORTGAGE, INC. $2,980,000 $2,920,000 -2.0% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $1,070,000 $2,880,000 169.2% 0.1%
ZILLOW HOME LOANS, LLC $1,540,000 $2,860,000 85.7% 0.1%
Watermark Capital, Inc. $1,155,000 $2,790,000 141.6% 0.1%
CELEBRITY HOME LOANS, LLC $1,460,000 $2,785,000 90.8% 0.1%
HOMESIDE FINANCIAL, LLC $1,075,000 $2,630,000 144.7% 0.1%
JMAC LENDING, INC. $3,910,000 $2,610,000 -33.2% 0.1%
AMERICAN FINANCING CORPORATION $2,315,000 $2,470,000 6.7% 0.1%
AmeriHome Mortgage Company, LLC $2,280,000 $2,435,000 6.8% 0.1%
Prime Choice Funding Inc. $1,230,000 $2,390,000 94.3% 0.1%
Northwest Farm Credit Services, FLCA $4,255,000 $2,345,000 -44.9% 0.1%
MEGA CAPITAL FUNDING, INC. $2,680,000 $2,325,000 -13.2% 0.1%
NMSI, INC. $3,475,000 $2,300,000 -33.8% 0.1%
Citizens Business Bank $3,735,000 $2,265,000 -39.4% 0.1%
FINANCE OF AMERICA REVERSE LLC $790,000 $2,210,000 179.7% 0.1%
LENDINGHOME FUNDING CORPORATION $2,175,000 $2,150,000 -1.1% 0.1%
LENDUS, LLC $1,500,000 $2,070,000 38.0% 0.1%
INTELLILOAN, INC. $650,000 $2,055,000 216.2% 0.1%
San Mateo Credit Union $320,000 $2,055,000 542.2% 0.1%
Greenbox Loans, Inc. $1,400,000 $2,050,000 46.4% 0.1%
STAR ONE CREDIT UNION $2,605,000 $2,015,000 -22.6% 0.1%
STANFORD Federal Credit Union $215,000 $1,955,000 809.3% 0.1%
Axos Bank $1,260,000 $1,915,000 52.0% 0.1%
OCMBC, INC. $2,155,000 $1,915,000 -11.1% 0.1%
The Loan Store, Inc. $135,000 $1,815,000 1,244.4% 0.1%
WINNPOINTE CORPORATION $4,180,000 $1,815,000 -56.6% 0.1%
BAY $430,000 $1,785,000 315.1% 0.1%
SOFI LENDING CORP. $1,670,000 $1,765,000 5.7% 0.1%
ARC HOME LLC $945,000 $1,725,000 82.5% 0.1%
CHURCHILL MORTGAGE CORPORATION $1,525,000 $1,725,000 13.1% 0.1%
DIGNIFIED HOME LOANS, LLC $645,000 $1,670,000 158.9% 0.1%
Luther Burbank Savings $1,665,000 n/a 0.1%
HOMEXPRESS MORTGAGE CORP. $1,645,000 n/a 0.1%
MICHIGAN MUTUAL, INC. $895,000 $1,530,000 70.9% 0.0%
Wyndham Capital Mortgage, Inc. $1,160,000 $1,510,000 30.2% 0.0%
OPEN MORTGAGE, LLC $890,000 $1,480,000 66.3% 0.0%
CANOPY MORTGAGE, LLC $335,000 $1,475,000 340.3% 0.0%
First Savings Bank $2,015,000 $1,440,000 -28.5% 0.0%
SANTA CLARA COUNTY $460,000 $1,415,000 207.6% 0.0%
PACIFIC SERVICE $1,775,000 $1,410,000 -20.6% 0.0%
Provident Credit Union $1,520,000 $1,395,000 -8.2% 0.0%
Ally Bank $1,085,000 $1,385,000 27.6% 0.0%
HOMEOWNERS FINANCIAL GROUP USA, LLC $1,350,000 n/a 0.0%
KEYPOINT $715,000 $1,280,000 79.0% 0.0%
CIVIC FINANCIAL SERVICES, LLC $1,270,000 n/a 0.0%
Firefighters First Federal Credit Union $825,000 $1,265,000 53.3% 0.0%
21ST MORTGAGE CORPORATION $1,160,000 $1,205,000 3.9% 0.0%
MK LENDING CORP. $1,205,000 n/a 0.0%
Northpointe Bank $1,010,000 $1,205,000 19.3% 0.0%
MID AMERICA MORTGAGE, INC. $1,660,000 $1,190,000 -28.3% 0.0%
LENDING 3, INC. $305,000 $1,155,000 278.7% 0.0%
Barrington Bank & Trust Company, N.A. $2,100,000 $1,140,000 -45.7% 0.0%
Magnolia Bank $890,000 $1,135,000 27.5% 0.0%
5TH STREET CAPITAL, INC. $265,000 $1,130,000 326.4% 0.0%
PARKSIDE LENDING, LLC $2,105,000 $1,130,000 -46.3% 0.0%
Citizens Bank $1,085,000 $1,120,000 3.2% 0.0%
Cornerstone First Mortgage, Inc $295,000 $1,120,000 279.7% 0.0%
ANGEL OAK HOME LOANS LLC $175,000 $1,095,000 525.7% 0.0%
HOMESTEAD FUNDING CORP. $1,650,000 $1,095,000 -33.6% 0.0%
TECHNOLOGY $1,095,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $265,000 $1,095,000 313.2% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $1,090,000 n/a 0.0%
First National Bank of America $490,000 $1,085,000 121.4% 0.0%
HighTechLending Inc $1,255,000 $1,080,000 -13.9% 0.0%
Operating Engineers Local Union #3 $1,120,000 $1,060,000 -5.4% 0.0%
BNC National Bank $800,000 $1,035,000 29.4% 0.0%
First Federal Bank $1,035,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $995,000 $1,020,000 2.5% 0.0%
HOME APPROVALS DIRECT, INC. $1,185,000 $1,010,000 -14.8% 0.0%
JMJ FINANCIAL GROUP $1,640,000 $995,000 -39.3% 0.0%
Discover Bank $730,000 $990,000 35.6% 0.0%
NEW WAVE LENDING GROUP INC $255,000 $970,000 280.4% 0.0%
TJC Mortgage, Inc. $365,000 $930,000 154.8% 0.0%
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY $660,000 $925,000 40.2% 0.0%
PremierOne Credit Union $765,000 $905,000 18.3% 0.0%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $420,000 $905,000 115.5% 0.0%
ROYAL UNITED MORTGAGE LLC $545,000 $895,000 64.2% 0.0%
Truist Bank $2,020,000 $895,000 -55.7% 0.0%
LONGBRIDGE FINANCIAL, LLC $890,000 n/a 0.0%
Manufacturers and Traders Trust Company $725,000 $880,000 21.4% 0.0%
KBHS HOME LOANS, LLC $360,000 $860,000 138.9% 0.0%
Luxury Mortgage Corp. $845,000 n/a 0.0%
PREMIER LENDING, INC. $1,055,000 $815,000 -22.7% 0.0%
Plains Commerce Bank $315,000 $805,000 155.6% 0.0%
COASTAL FUNDING SLC, INC. $800,000 n/a 0.0%
GRANDE HOMES, INC. $530,000 $800,000 50.9% 0.0%
S&S Financial $730,000 $800,000 9.6% 0.0%
Neighborhood Loans, Inc. $640,000 $790,000 23.4% 0.0%
REVERSE MORTGAGE FUNDING LLC $195,000 $790,000 305.1% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,875,000 $775,000 -58.7% 0.0%
CITIZENS EQUITY FIRST $140,000 $775,000 453.6% 0.0%
Third Federal Savings and Loan Association of Cleveland $635,000 $770,000 21.3% 0.0%
SOUTH CENTRAL BANK, INC. $765,000 n/a 0.0%
The Huntington National Bank $760,000 n/a 0.0%
Figure Lending LLC $515,000 $755,000 46.6% 0.0%
Arvest Bank $750,000 n/a 0.0%
FIRST CENTENNIAL MORTGAGE CORPORATION $740,000 n/a 0.0%
First Federal Bank of Kansas City $405,000 $740,000 82.7% 0.0%
ALLIED MORTGAGE GROUP, INC. $725,000 n/a 0.0%
Franklin Loan Corporation $710,000 n/a 0.0%
GSF Mortgage Corporation $155,000 $710,000 358.1% 0.0%
KeyBank $710,000 n/a 0.0%
MERIWEST MORTGAGE COMPANY, LLC $695,000 n/a 0.0%
Home Mortgage Alliance Corp $665,000 n/a 0.0%
Financial Partners Credit Union $660,000 n/a 0.0%
Industrial and Commercial Bank of China USA $660,000 n/a 0.0%
EQUITY WAVE LENDING, INC. $655,000 n/a 0.0%
SUMMIT MORTGAGE BANKERS INC. $305,000 $650,000 113.1% 0.0%
ALLIANT CREDIT UNION $155,000 $635,000 309.7% 0.0%
WESTERN EXPRESS LENDING $860,000 $630,000 -26.7% 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $550,000 $610,000 10.9% 0.0%
SCHOOLSFIRST $390,000 $600,000 53.8% 0.0%
THE POLICE Credit Union $590,000 n/a 0.0%
AXIA FINANCIAL, LLC $510,000 $580,000 13.7% 0.0%
MEGASTAR FINANCIAL CORP. $535,000 $580,000 8.4% 0.0%
ONY GLO, INC. $560,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $3,895,000 $560,000 -85.6% 0.0%
Low VA Rates, LLC $1,270,000 $550,000 -56.7% 0.0%
MORIA DEVELOPMENT, INC. $1,400,000 $550,000 -60.7% 0.0%
R M K FINANCIAL CORP. $915,000 $550,000 -39.9% 0.0%
MORTGAGE 2000, INC. $535,000 n/a 0.0%
Waterstone Mortgage Corporation $535,000 n/a 0.0%
GENEVA FINANCIAL, LLC $1,380,000 $530,000 -61.6% 0.0%
NOVA FINANCIAL & INVESTMENT CORPORATION $525,000 n/a 0.0%
Cathay Bank $520,000 n/a 0.0%
COMMUNITY MORTGAGE FUNDING, LLC $1,555,000 $520,000 -66.6% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $3,410,000 $520,000 -84.8% 0.0%
NEXERA HOLDING LLC $1,440,000 $520,000 -63.9% 0.0%
Murphy Bank $505,000 n/a 0.0%
BEST CAPITAL FUNDING $610,000 $500,000 -18.0% 0.0%
CENTRAL COAST LENDING, INC. $1,070,000 $495,000 -53.7% 0.0%
LENDSURE MORTGAGE CORP. $315,000 $495,000 57.1% 0.0%
ABSOLUTE HOME MORTGAGE CORPORATION $480,000 n/a 0.0%
DIRECT MORTGAGE, CORP. $215,000 $480,000 123.3% 0.0%
GoPrime Mortgage, Inc. $420,000 $445,000 6.0% 0.0%
NATIONWIDE EQUITIES CORPORATION $445,000 n/a 0.0%
LOANLEADERS OF AMERICA, INC. $1,490,000 $430,000 -71.1% 0.0%
EMM LOANS LLC $300,000 $420,000 40.0% 0.0%
EXCITE Credit Union $550,000 $420,000 -23.6% 0.0%
MID-VALLEY SERVICES, INC. $835,000 $420,000 -49.7% 0.0%
Alaska USA Federal Credit Union $75,000 $415,000 453.3% 0.0%
First Bank $410,000 n/a 0.0%
ATHAS CAPITAL GROUP, INC. $595,000 $405,000 -31.9% 0.0%
CALCON MUTUAL MORTGAGE LLC $405,000 n/a 0.0%
Lend Smart Mortgage, LLC $405,000 n/a 0.0%
MORTGAGEONE, INC. $405,000 n/a 0.0%
Colten Mortgage, LLC $255,000 $400,000 56.9% 0.0%
NP, Inc. $410,000 $400,000 -2.4% 0.0%
REDWOOD $390,000 n/a 0.0%
INTERNATIONAL CITY MORTGAGE, INC. $145,000 $385,000 165.5% 0.0%
UNITED SECURITY FINANCIAL CORP $175,000 $375,000 114.3% 0.0%
LIBERTY HOME MORTGAGE CORPORATION $325,000 $370,000 13.8% 0.0%
AHL FUNDING $2,540,000 $365,000 -85.6% 0.0%
Austin Capital Bank SSB $365,000 n/a 0.0%
BECKAM FUNDING CORP. $365,000 n/a 0.0%
Community First National Bank $985,000 $355,000 -64.0% 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $1,425,000 $355,000 -75.1% 0.0%
PANORAMA MORTGAGE GROUP, LLC $1,285,000 $350,000 -72.8% 0.0%
Ameris Bank $215,000 $345,000 60.5% 0.0%
Bank of Stockton $1,050,000 $345,000 -67.1% 0.0%
BEST FINANCE CAPITAL, INC. $335,000 $345,000 3.0% 0.0%
INTERCAP LENDING INC. $275,000 $345,000 25.5% 0.0%
SAN FRANCISCO FEDERAL CREDIT UNION $345,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $550,000 $340,000 -38.2% 0.0%
CONTOUR MORTGAGE CORPORATION $335,000 n/a 0.0%
MERIWEST $335,000 n/a 0.0%
SAFE CREDIT UNION $335,000 n/a 0.0%
Bank of Utah $325,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $1,390,000 $325,000 -76.6% 0.0%
NFM, INC. $825,000 $325,000 -60.6% 0.0%
Stride Bank $325,000 n/a 0.0%
Constant Investments, Inc. $225,000 $320,000 42.2% 0.0%
KELLER MORTGAGE, LLC $320,000 n/a 0.0%
CALIFORNIA CREDIT UNION $55,000 $315,000 472.7% 0.0%
IVY MORTGAGE, INC. $585,000 $315,000 -46.2% 0.0%
LOGIX FEDERAL CREDIT UNION $625,000 $315,000 -49.6% 0.0%
SAN FRANCISCO FIRE CREDIT UNION $315,000 n/a 0.0%
SPRING EQ, LLC $250,000 $315,000 26.0% 0.0%
QUORUM FEDERAL CREDIT UNION $310,000 n/a 0.0%
Cf Bank $1,425,000 $305,000 -78.6% 0.0%
Kwik Mortgage Corporation $335,000 $305,000 -9.0% 0.0%
LOANSNAP, INC. $265,000 $305,000 15.1% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $275,000 $300,000 9.1% 0.0%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $450,000 $295,000 -34.4% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $800,000 $295,000 -63.1% 0.0%
DEEPHAVEN MORTGAGE LLC $455,000 $285,000 -37.4% 0.0%
DIGITAL Federal Credit Union $285,000 n/a 0.0%
GEORGIA'S OWN $285,000 n/a 0.0%
UNCLE Credit Union $440,000 $285,000 -35.2% 0.0%
FEDEX EMPLOYEES CREDIT ASSOCIATION $510,000 $275,000 -46.1% 0.0%
RMS & Associates $125,000 $275,000 120.0% 0.0%
Carrollton Bank $265,000 n/a 0.0%
HomeStreet Bank $85,000 $265,000 211.8% 0.0%
SRE MORTGAGE ALLIANCE INC. $420,000 $255,000 -39.3% 0.0%
TCF National Bank $425,000 $255,000 -40.0% 0.0%
Texana Bank $255,000 n/a 0.0%
TOWNE MORTGAGE COMPANY $540,000 $255,000 -52.8% 0.0%
UNITED MORTGAGE CORP. $155,000 $255,000 64.5% 0.0%
OAKTREE FUNDING CORP. $245,000 n/a 0.0%
Servion, Inc. $570,000 $245,000 -57.0% 0.0%
BM Real Estate Services, Inc. $225,000 $235,000 4.4% 0.0%
Goldwater Bank, N.A. $235,000 n/a 0.0%
RANLIFE, INC. $500,000 $235,000 -53.0% 0.0%
VISION ONE MORTGAGE, INC. $1,100,000 $235,000 -78.6% 0.0%
CAMPOS FINANCIAL CORP. $225,000 n/a 0.0%
CORNERSTONE HOME LENDING, INC. $225,000 n/a 0.0%
LENDERFI, INC. $825,000 $225,000 -72.7% 0.0%
Sound Community Bank $225,000 n/a 0.0%
DATA MORTGAGE, INC. $1,085,000 $215,000 -80.2% 0.0%
GEO-CORP, INC. $215,000 n/a 0.0%
Advisors Mortgage Group, L.L.C. $205,000 n/a 0.0%
CITYWIDE HOME LOANS, LLC $1,750,000 $205,000 -88.3% 0.0%
COAST 2 COAST FUNDING GROUP, INC. $205,000 n/a 0.0%
GUIDANCE RESIDENTIAL, LLC $205,000 n/a 0.0%
HomePromise Corporation $205,000 n/a 0.0%
UNIVERSITY CREDIT UNION $205,000 n/a 0.0%
SACRAMENTO Credit Union $195,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $1,100,000 $185,000 -83.2% 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $225,000 $185,000 -17.8% 0.0%
FOUR POINTS $580,000 $175,000 -69.8% 0.0%
KINECTA $325,000 $165,000 -49.2% 0.0%
DEL SUR CORPORATION $155,000 n/a 0.0%
KD CAPITAL MORTGAGE CORPORATION $155,000 n/a 0.0%
TIAA, FSB $270,000 $155,000 -42.6% 0.0%
INFINITY EQUITY GROUP, INC. $135,000 n/a 0.0%
Willamette Valley Bank $135,000 n/a 0.0%
Colonial Savings, F.A. $185,000 $105,000 -43.2% 0.0%
Hometown Lenders, Inc. $235,000 $105,000 -55.3% 0.0%
JUSTICE Federal Credit Union $65,000 n/a 0.0%
Deere Employees Credit Union $35,000 n/a 0.0%
American Airlines Federal Credit Union $195,000 $25,000 -87.2% 0.0%
TRIAD FINANCIAL SERVICES, INC. $95,000 $25,000 -73.7% 0.0%
1ST UNITED SERVICES CREDIT UNION $15,000 n/a 0.0%

MERCED's top lender by overall market share is QUICKEN LOANS, LLC, with 8.6% market share. In second place, with 7.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $238,160,000 in loans. In third place, with 3.5%, is FREEDOM MORTGAGE CORPORATION, having originated $109,575,000 in loans. In third place, with 3.5%, is DHI MORTGAGE COMPANY, LTD., having originated $107,950,000 in loans. In third place, with 3.4%, is AMERICAN FINANCIAL NETWORK, INC., having originated $106,835,000 in loans.


MERCED, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 4,277 $1,148,755,000 $268,589
Home Purchase 3,835 $1,245,215,000 $324,698
Cash Out Refi 2,764 $695,780,000 $251,729
Home Improvement 145 $17,565,000 $121,138
Other 131 $17,125,000 $130,725
NA 1 $725,000 $725,000

Merced's most frequently cited loan purpose was Refi, with 4,277 originations. The 2nd most popular reason was Home Purchase, with 3,835 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 4,367 $1,241,415,000 $284,272
3-4% 4,292 $1,304,480,000 $303,933
<2.5% 1,839 $436,925,000 $237,588
4-5% 292 $79,010,000 $270,582
5-6% 59 $10,135,000 $171,780
6-7% 28 $5,530,000 $197,500
Over 8% 26 $3,030,000 $116,538
7-8% 21 $3,365,000 $160,238

During 2021, Merced's most frequently originated rate bucket was 2.5-3%, with 4,367 originations.

Loan Sizing (MERCED, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 7,152 $2,064,540,000 $288,666
$100k-200k 2,291 $359,745,000 $157,025
$400k-600k 1,039 $475,135,000 $457,300
$100,000 or less 612 $31,340,000 $51,209
$600k-1000k 37 $25,995,000 $702,568
$Over $1MM 22 $168,410,000 $7,655,000

MERCED's loan sizing saw the bucket of loans from $200k-400k with 7,152 originations, totaling $2,064,540,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 3,882 $1,158,290,000 $298,375
80-100% 3,596 $1,250,500,000 $347,747
40-60% 2,001 $444,235,000 $222,006
20-40% 763 $108,305,000 $141,946
Under 20% 348 $11,190,000 $32,155
Over 100% 63 $25,825,000 $409,921

MERCED's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 3,882 originations, totaling $1,158,290,000 in origination value.