RIVERSIDE - SAN BERNARDINO - ONTARIO Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Riverside - San Bernardino - Ontario averaged
6.02%
for the week of 2024-09-05, compared to the national average of
6.35% for the same period.
The average rate for the prior week (2024-08-29) was
6.32% and
one month ago for the week of 2024-08-01, the
average rate was 6.7%.
Riverside - San Bernardino - Ontario's average rate one year ago was 6.85%.
For refis of the same type during the week of 2024-09-05, the average rate
was 6.62%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-09-05 | 6.35% |
| Riverside - San Bernardino - Ontario 30 Year Fixed Rate | 2024-09-05 | 6.02% |
| Riverside - San Bernardino - Ontario 30 Year Fixed Rate Refi | 2024-09-05 | 6.62% |
| Riverside - San Bernardino - Ontario 15 Year Fixed Rate | 2024-09-05 | 5.36% |
| Riverside - San Bernardino - Ontario 15 Year Fixed Rate Refi | 2024-09-05 | 5.83% |
| Riverside - San Bernardino - Ontario 30 Year FHA | 2024-09-05 | -0.21% |
| Riverside - San Bernardino - Ontario 30 Year FHA Refi | 2024-09-05 | -0.64% |
| Riverside - San Bernardino - Ontario 30 Year USDA | 2024-09-05 | -0.1% |
| Riverside - San Bernardino - Ontario 30 Year USDA Refi | 2024-09-05 | 0.2% |
| Riverside - San Bernardino - Ontario 30 Year VA | 2024-09-05 | -0.48% |
| Riverside - San Bernardino - Ontario 30 Year VA Refi | 2024-09-05 | -0.78% |
RIVERSIDE - SAN BERNARDINO - ONTARIO 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 RIVERSIDE-SAN BERNARDINO-ONTARIO, 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.).
RIVERSIDE - SAN BERNARDINO - ONTARIO Average Closing Costs & Other Stats
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA's 450 lenders originated 68,251
loans during 2023. The total origination value was $26,206,835,000, with an average loan value of
$383,977.
RIVERSIDE - SAN BERNARDINO - ONTARIO's average closing costs are $7,064.
The top RIVERSIDE - SAN BERNARDINO - ONTARIO lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
4,296 loans originated. Their average total fees are
$11,294, which is $2,001
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee RIVERSIDE - SAN BERNARDINO - ONTARIO lenders (with over 10 loans originated) are
Discover Bank ($0), CALIFORNIA CREDIT UNION ($261), CHERRY CREEK MORTGAGE, LLC ($723), Shea Mortgage Inc. ($2,219) and F&A Federal Credit Union ($2,865).
The lowest rate RIVERSIDE - SAN BERNARDINO - ONTARIO lenders (with over 10 loans originated) are
First Republic Bank (4.81%), Raymond James Bank (4.95%), ALTURA (5.13%), EAGLE HOME MORTGAGE, LLC (5.42%) and CALIFORNIA CREDIT UNION (5.56%).
RIVERSIDE-SAN BERNARDINO-ONTARIO, 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 | $5,982,450,000 | $3,951,805,000 | -33.9% | 15.1% |
| QUICKEN LOANS, LLC | $3,380,715,000 | $1,709,830,000 | -49.4% | 6.5% |
| EAGLE HOME MORTGAGE, LLC | $690,455,000 | $963,070,000 | 39.5% | 3.7% |
| LOANDEPOT.COM, LLC | $1,826,835,000 | $824,200,000 | -54.9% | 3.1% |
| U.S. Bank | $779,700,000 | $629,235,000 | -19.3% | 2.4% |
| OCMBC, INC. | $415,175,000 | $544,925,000 | 31.3% | 2.1% |
| JPMorgan Chase Bank | $835,330,000 | $474,020,000 | -43.3% | 1.8% |
| SCHOOLSFIRST | $740,000,000 | $457,945,000 | -38.1% | 1.7% |
| DHI MORTGAGE COMPANY, LTD. | $600,715,000 | $450,940,000 | -24.9% | 1.7% |
| Paramount Residential Mortgage Group, Inc. | $635,970,000 | $409,495,000 | -35.6% | 1.6% |
| Bank of America | $642,510,000 | $387,940,000 | -39.6% | 1.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $475,140,000 | $327,690,000 | -31.0% | 1.3% |
| KBHS HOME LOANS, LLC | $335,430,000 | $325,900,000 | -2.8% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $530,200,000 | $286,915,000 | -45.9% | 1.1% |
| Wells Fargo Bank | $850,960,000 | $274,745,000 | -67.7% | 1.0% |
| Citibank | $238,305,000 | $257,370,000 | 8.0% | 1.0% |
| BECKAM FUNDING CORP. | $236,960,000 | $255,870,000 | 8.0% | 1.0% |
| NAVY FEDERAL CREDIT UNION | $378,405,000 | $250,525,000 | -33.8% | 1.0% |
| BROKER SOLUTIONS, INC. | $600,755,000 | $249,740,000 | -58.4% | 1.0% |
| AMERICAN FINANCIAL NETWORK, INC. | $245,470,000 | n/a | 0.9% | |
| Franklin Loan Corporation | $427,945,000 | $242,900,000 | -43.2% | 0.9% |
| GUARANTEED RATE, INC. | $521,585,000 | $237,530,000 | -54.5% | 0.9% |
| PNC Bank | $343,685,000 | $235,770,000 | -31.4% | 0.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $432,825,000 | $234,400,000 | -45.8% | 0.9% |
| East West Bank | $312,360,000 | $221,460,000 | -29.1% | 0.8% |
| HOMEAMERICAN MORTGAGE CORPORATION | $272,085,000 | $209,680,000 | -22.9% | 0.8% |
| Flagstar Bank, FSB | $512,725,000 | $192,330,000 | -62.5% | 0.7% |
| MOVEMENT MORTGAGE, LLC | $252,920,000 | $183,820,000 | -27.3% | 0.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $389,495,000 | $182,470,000 | -53.2% | 0.7% |
| Golden Empire Mortgage, Inc. | $341,370,000 | $180,385,000 | -47.2% | 0.7% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $179,545,000 | n/a | 0.7% | |
| PULTE MORTGAGE LLC | $208,565,000 | $171,945,000 | -17.6% | 0.7% |
| CMG MORTGAGE, INC. | $182,900,000 | $165,840,000 | -9.3% | 0.6% |
| Mortgage Research Center, LLC | $236,710,000 | $158,200,000 | -33.2% | 0.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $358,440,000 | $153,310,000 | -57.2% | 0.6% |
| AMWEST FUNDING CORP. | $342,605,000 | $142,875,000 | -58.3% | 0.5% |
| First-Citizens Bank & Trust Company | $70,105,000 | $142,345,000 | 103.0% | 0.5% |
| LENDINGHOME FUNDING CORPORATION | $154,590,000 | $139,505,000 | -9.8% | 0.5% |
| SUN WEST MORTGAGE COMPANY, INC. | $222,410,000 | $132,670,000 | -40.3% | 0.5% |
| South Pacific Financial Corporation | $112,230,000 | $130,870,000 | 16.6% | 0.5% |
| Commerce Home Mortgage, Inc. | $304,685,000 | $124,445,000 | -59.2% | 0.5% |
| First Republic Bank | $219,190,000 | $123,460,000 | -43.7% | 0.5% |
| FREEDOM MORTGAGE CORPORATION | $474,375,000 | $121,770,000 | -74.3% | 0.5% |
| NEWREZ LLC | $202,585,000 | $121,350,000 | -40.1% | 0.5% |
| NMSI, INC. | $308,165,000 | $120,095,000 | -61.0% | 0.5% |
| WALKER & DUNLOP, LLC | $265,505,000 | $118,340,000 | -55.4% | 0.5% |
| BAY-VALLEY MORTGAGE GROUP | $113,690,000 | n/a | 0.4% | |
| GREYSTONE SERVICING COMPANY LLC | $4,755,000 | $109,560,000 | 2,204.1% | 0.4% |
| BMO Harris Bank | $19,515,000 | $107,485,000 | 450.8% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $423,910,000 | $101,315,000 | -76.1% | 0.4% |
| Hometown Equity Mortgage, LLC | $193,045,000 | $93,880,000 | -51.4% | 0.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $152,630,000 | $92,110,000 | -39.7% | 0.4% |
| Sierra Pacific Mortgage Company, Inc. | $71,805,000 | $89,590,000 | 24.8% | 0.3% |
| Prudential Huntoon Paige Associates, LLC | $163,585,000 | $87,220,000 | -46.7% | 0.3% |
| GUILD MORTGAGE COMPANY | $140,635,000 | $84,300,000 | -40.1% | 0.3% |
| NEW WAVE LENDING GROUP INC | $126,045,000 | $82,590,000 | -34.5% | 0.3% |
| Century Mortgage Company DBA Century Lending Company | $64,100,000 | $81,060,000 | 26.5% | 0.3% |
| ML Mortgage Corp. | $144,955,000 | $78,875,000 | -45.6% | 0.3% |
| MOUNTAIN WEST FINANCIAL, INC. | $223,510,000 | $75,105,000 | -66.4% | 0.3% |
| Zions Bank | $151,410,000 | $73,090,000 | -51.7% | 0.3% |
| Cathay Bank | $81,920,000 | $72,180,000 | -11.9% | 0.3% |
| NATIONS DIRECT MORTGAGE, LLC | $188,715,000 | $71,240,000 | -62.2% | 0.3% |
| Banner Bank | $49,840,000 | $71,065,000 | 42.6% | 0.3% |
| NFM, INC. | $106,270,000 | $66,105,000 | -37.8% | 0.3% |
| Morgan Stanley Private Bank | $137,720,000 | $65,825,000 | -52.2% | 0.3% |
| RESIDENTIAL BANCORP | $203,000,000 | $64,965,000 | -68.0% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $69,785,000 | $63,740,000 | -8.7% | 0.2% |
| Carrington Mortgage Services, LLC | $134,265,000 | $63,730,000 | -52.5% | 0.2% |
| NEXERA HOLDING LLC | $90,345,000 | $63,225,000 | -30.0% | 0.2% |
| HOMEXPRESS MORTGAGE CORP. | $74,400,000 | $62,155,000 | -16.5% | 0.2% |
| CARDINAL FINANCIAL | $164,560,000 | $61,405,000 | -62.7% | 0.2% |
| Citadel Servicing Corporation | $69,230,000 | $61,400,000 | -11.3% | 0.2% |
| Arbor Realty Trust, Inc. | $44,030,000 | $60,485,000 | 37.4% | 0.2% |
| Prosperity Home Mortgage, LLC | $45,490,000 | $59,255,000 | 30.3% | 0.2% |
| WESCOM CENTRAL CREDIT UNION | $134,340,000 | $58,660,000 | -56.3% | 0.2% |
| ALTURA | $82,180,000 | $58,205,000 | -29.2% | 0.2% |
| AHL FUNDING | $77,250,000 | $57,690,000 | -25.3% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $111,240,000 | $57,680,000 | -48.1% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $171,890,000 | $57,230,000 | -66.7% | 0.2% |
| ARROWHEAD CENTRAL CREDIT UNION | $43,675,000 | $57,095,000 | 30.7% | 0.2% |
| ACADEMY MORTGAGE CORPORATION | $84,655,000 | $56,785,000 | -32.9% | 0.2% |
| Discover Bank | $43,170,000 | $55,450,000 | 28.4% | 0.2% |
| AXIA FINANCIAL, LLC | $63,965,000 | $55,370,000 | -13.4% | 0.2% |
| Figure Lending LLC | $64,255,000 | $54,700,000 | -14.9% | 0.2% |
| Texas Capital Bank | $54,305,000 | n/a | 0.2% | |
| BAY EQUITY LLC | $66,875,000 | $53,295,000 | -20.3% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $310,985,000 | $52,680,000 | -83.1% | 0.2% |
| PLANET HOME LENDING, LLC | $105,975,000 | $51,725,000 | -51.2% | 0.2% |
| FBC MORTGAGE, LLC | $73,345,000 | $51,215,000 | -30.2% | 0.2% |
| 21ST MORTGAGE CORPORATION | $51,490,000 | $50,570,000 | -1.8% | 0.2% |
| BERKELEY POINT CAPITAL LLC | $110,485,000 | $50,445,000 | -54.3% | 0.2% |
| POINT Mortgage | $49,450,000 | n/a | 0.2% | |
| INSPIRE HOME LOANS INC. | $83,760,000 | $49,360,000 | -41.1% | 0.2% |
| CBRE MULTIFAMILY CAPITAL, INC. | $43,360,000 | $48,440,000 | 11.7% | 0.2% |
| ONY GLO, INC. | $86,765,000 | $47,070,000 | -45.8% | 0.2% |
| Performance Financial, Inc. | $46,615,000 | n/a | 0.2% | |
| City National Bank | $137,480,000 | $45,790,000 | -66.7% | 0.2% |
| VISION ONE MORTGAGE, INC. | $84,880,000 | $45,025,000 | -47.0% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $54,885,000 | $44,570,000 | -18.8% | 0.2% |
| KINECTA | $101,210,000 | $44,465,000 | -56.1% | 0.2% |
| FIRST NATIONS HOME FINANCE CORPORATION | $78,520,000 | $44,360,000 | -43.5% | 0.2% |
| MK LENDING CORP. | $133,170,000 | $42,790,000 | -67.9% | 0.2% |
| Plains Commerce Bank | $35,360,000 | $42,650,000 | 20.6% | 0.2% |
| HOME APPROVALS DIRECT, INC. | $71,080,000 | $42,585,000 | -40.1% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $51,015,000 | $42,360,000 | -17.0% | 0.2% |
| Equity Prime Mortgage LLC | $83,100,000 | $42,040,000 | -49.4% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $34,050,000 | $41,060,000 | 20.6% | 0.2% |
| The Federal Savings Bank | $67,420,000 | $40,585,000 | -39.8% | 0.2% |
| The Loan Store, Inc. | $3,395,000 | $40,460,000 | 1,091.8% | 0.2% |
| JMJ FINANCIAL GROUP | $70,525,000 | $40,250,000 | -42.9% | 0.2% |
| READYCAP COMMERCIAL, LLC | $40,005,000 | n/a | 0.2% | |
| PLAZA HOME MORTGAGE, INC. | $51,890,000 | $38,665,000 | -25.5% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $60,660,000 | $36,670,000 | -39.5% | 0.1% |
| JMAC LENDING, INC. | $54,780,000 | $36,640,000 | -33.1% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $36,255,000 | $36,210,000 | -0.1% | 0.1% |
| AMERITRUST MORTGAGE CORPORATION | $36,135,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $35,375,000 | $36,100,000 | 2.0% | 0.1% |
| Credit Union of Southern California | $97,320,000 | $35,895,000 | -63.1% | 0.1% |
| THE GOLDEN 1 | $60,870,000 | $35,570,000 | -41.6% | 0.1% |
| Preferred Bank | $48,235,000 | $35,365,000 | -26.7% | 0.1% |
| NexBank | $82,680,000 | $35,245,000 | -57.4% | 0.1% |
| ST FIN CORP | $35,980,000 | $34,905,000 | -3.0% | 0.1% |
| Grandbridge Real Estate Capital LLC | $34,810,000 | n/a | 0.1% | |
| CALIFORNIA CREDIT UNION | $42,710,000 | $34,805,000 | -18.5% | 0.1% |
| ORIX REAL ESTATE CAPITAL, LLC | $34,680,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $36,480,000 |