Susanville Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Susanville averaged 7.28% for the week of 2024-04-18, compared to the national average of 7.1% for the same period.

The average rate for the prior week (2024-04-11) was 6.66% and one month ago for the week of 2024-03-14, the average rate was 6.62%.

Susanville's average rate one year ago was 6.15%.

For refis of the same type during the week of 2024-04-18, the average rate was 7.4%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-04-18 7.1%
Susanville 30 Year Fixed Rate 2024-04-18 7.28%
Susanville 30 Year Fixed Rate Refi 2024-04-18 7.4%
Susanville 15 Year Fixed Rate 2024-04-18 6.29%
Susanville 15 Year Fixed Rate Refi 2024-04-18 6.99%
Susanville 30 Year FHA 2024-04-18 6.81%
Susanville 30 Year FHA Refi 2024-04-18 6.66%
Susanville 30 Year USDA 2024-04-18 6.96%
Susanville 30 Year USDA Refi 2024-04-18 6.96%
Susanville 30 Year VA 2024-04-18 6.56%
Susanville 30 Year VA Refi 2024-04-18 6.86%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Susanville, CA.

Susanville 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 Susanville, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
AXIA FINANCIAL, LLC 20 6.82% $7,743
SUMMIT FUNDING, INC. 8 7.19% $8,915
CROSSCOUNTRY MORTGAGE, LLC 7 6.86% $8,219
QUICKEN LOANS, LLC 7 6.86% $6,896
AMERICAN PACIFIC MORTGAGE CORPORATION 5 6.82% $9,116
U.S. Bank 4 6.37% $5,586
Sierra Central Credit Union 4 6.22% $5,403
MEMBER FIRST MORTGAGE, LLC 3 6.75% $4,684
GUILD MORTGAGE COMPANY 2 6.75% $7,463
PENNYMAC LOAN SERVICES, LLC 2 6.56% $7,784
THE GOLDEN 1 2 6.38% $3,640
The Loan Store, Inc. 2 6.75% $5,805
Tri Counties Bank 2 6.13% $4,004
Mr. Cooper ( Nationstar Mortgage ) 2 6.56% $8,270
Sierra Pacific Mortgage Company, Inc. 1 6.25% $6,339
UNITED WHOLESALE MORTGAGE, LLC 1 7.63% $10,408
USAA Federal Savings Bank 1 5.88% $6,080
Wells Fargo Bank 1 6.25% $3,666
AMERICAN FINANCIAL NETWORK, INC. 1 8.25% $8,581
ZILLOW HOME LOANS, LLC 1 6.38% $6,946
AMERISAVE MORTGAGE CORPORATION 1 6.13% $6,624
CMG MORTGAGE, INC. 1 5.75% $7,715
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 6.38% $9,924
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.00% $5,249
FIRST COLONY MORTGAGE CORPORATION 1 7.13% $5,797
FREEDOM MORTGAGE CORPORATION 1 6.38% $8,133
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.13% $5,705
GUARANTEED RATE, INC. 1 6.63% $4,108
LOANDEPOT.COM, LLC 1 5.99% $8,425
MASON MCDUFFIE MORTGAGE CORPORATION 1 5.99% $3,886
MUTUAL OF OMAHA MORTGAGE, INC. 1 5.75% $9,239
ON Q FINANCIAL, INC. 1 8.13% $2,702
Operating Engineers Local Union #3 1 5.13% $3,442

Susanville Average Closing Costs & Other Stats

Susanville, CA's 33 lenders originated 293 loans during 2023. The total origination value was $59,635,000, with an average loan value of $203,532.

Susanville's average closing costs are $6,070.

The top Susanville lender as defined by loan originations is AXIA FINANCIAL, LLC, with 20 loans originated. Their average total fees are $7,743, which is $1,172 lower than the next largest lender, SUMMIT FUNDING, INC..

The lowest fee Susanville lenders (with over 10 loans originated) are AXIA FINANCIAL, LLC ($7,743), .

The lowest rate Susanville lenders (with over 10 loans originated) are AXIA FINANCIAL, LLC (6.82%), .

Susanville, 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
AXIA FINANCIAL, LLC $19,195,000 $13,390,000 -30.2% 22.5%
SUMMIT FUNDING, INC. $8,750,000 $4,205,000 -51.9% 7.1%
QUICKEN LOANS, LLC $8,425,000 $4,195,000 -50.2% 7.0%
Mortgage Research Center, LLC $3,990,000 $4,185,000 4.9% 7.0%
UNITED WHOLESALE MORTGAGE, LLC $5,465,000 $4,125,000 -24.5% 6.9%
CROSSCOUNTRY MORTGAGE, LLC $1,280,000 $2,355,000 84.0% 3.9%
AMERICAN PACIFIC MORTGAGE CORPORATION $2,485,000 $2,065,000 -16.9% 3.5%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,905,000 n/a 3.2%
U.S. Bank $1,730,000 $1,455,000 -15.9% 2.4%
PENNYMAC LOAN SERVICES, LLC $1,850,000 $1,255,000 -32.2% 2.1%
GUILD MORTGAGE COMPANY $1,775,000 $1,235,000 -30.4% 2.1%
THE GOLDEN 1 $800,000 $1,105,000 38.1% 1.9%
MUTUAL OF OMAHA MORTGAGE, INC. $305,000 $1,095,000 259.0% 1.8%
Commerce Home Mortgage, Inc. $485,000 $1,000,000 106.2% 1.7%
MEMBER FIRST MORTGAGE, LLC $240,000 $990,000 312.5% 1.7%
Sierra Central Credit Union $1,585,000 $970,000 -38.8% 1.6%
The Loan Store, Inc. $910,000 n/a 1.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,715,000 $775,000 -54.8% 1.3%
NAVY FEDERAL CREDIT UNION $1,015,000 $770,000 -24.1% 1.3%
FREEDOM MORTGAGE CORPORATION $2,230,000 $755,000 -66.1% 1.3%
CMG MORTGAGE, INC. $1,660,000 $615,000 -63.0% 1.0%
Mr. Cooper ( Nationstar Mortgage ) $900,000 $520,000 -42.2% 0.9%
Carrington Mortgage Services, LLC $115,000 $510,000 343.5% 0.9%
LOANDEPOT.COM, LLC $3,190,000 $510,000 -84.0% 0.9%
NATIONS RELIABLE LENDING, LLC $495,000 n/a 0.8%
Barrington Bank & Trust Company, N.A. $530,000 $470,000 -11.3% 0.8%
Ameris Bank $455,000 n/a 0.8%
Bank of America $550,000 $445,000 -19.1% 0.7%
CALCON MUTUAL MORTGAGE LLC $395,000 n/a 0.7%
Tri Counties Bank $800,000 $375,000 -53.1% 0.6%
SUN WEST MORTGAGE COMPANY, INC. $425,000 $315,000 -25.9% 0.5%
BROKER SOLUTIONS, INC. $1,345,000 $305,000 -77.3% 0.5%
Wells Fargo Bank $1,445,000 $295,000 -79.6% 0.5%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $275,000 $285,000 3.6% 0.5%
FINANCE OF AMERICA REVERSE LLC $275,000 n/a 0.5%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $335,000 $265,000 -20.9% 0.4%
OCEANSIDE MORTGAGE COMPANY $265,000 n/a 0.4%
CIVIC FINANCIAL SERVICES, LLC $245,000 n/a 0.4%
Lakeview Community Capital, LLC $215,000 n/a 0.4%
Nations Lending Corporation $255,000 $215,000 -15.7% 0.4%
The Federal Savings Bank $215,000 n/a 0.4%
AMERICAN FINANCIAL NETWORK, INC. $205,000 n/a 0.3%
NBKC BANK $685,000 $205,000 -70.1% 0.3%
Operating Engineers Local Union #3 $205,000 n/a 0.3%
MASON MCDUFFIE MORTGAGE CORPORATION $125,000 $185,000 48.0% 0.3%
VILLAGE CAPITAL MORTGAGE $365,000 $185,000 -49.3% 0.3%
USAA Federal Savings Bank $390,000 $165,000 -57.7% 0.3%
LOANLEADERS OF AMERICA, INC. $155,000 n/a 0.3%
EMBRACE HOME LOANS, INC. $145,000 n/a 0.2%
FIRST COLONY MORTGAGE CORPORATION $145,000 n/a 0.2%
MOVEMENT MORTGAGE, LLC $575,000 $145,000 -74.8% 0.2%
AMERISAVE MORTGAGE CORPORATION $970,000 $135,000 -86.1% 0.2%
PENTAGON FEDERAL CREDIT UNION $135,000 n/a 0.2%
GUARANTEED RATE, INC. $125,000 n/a 0.2%
21ST MORTGAGE CORPORATION $440,000 $115,000 -73.9% 0.2%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $115,000 n/a 0.2%
Bank Northwest $105,000 n/a 0.2%
Sierra Pacific Mortgage Company, Inc. $75,000 $105,000 40.0% 0.2%
LENDINGHOME FUNDING CORPORATION $255,000 $95,000 -62.7% 0.2%
ZILLOW HOME LOANS, LLC $95,000 n/a 0.2%
PNC Bank $85,000 n/a 0.1%
PACIFIC SERVICE $65,000 n/a 0.1%
ON Q FINANCIAL, INC. $55,000 n/a 0.1%
REDWOOD $55,000 n/a 0.1%
SPRING EQ, LLC $445,000 $55,000 -87.6% 0.1%
Discover Bank $95,000 $45,000 -52.6% 0.1%

Susanville's top lender by overall market share is AXIA FINANCIAL, LLC, with 22.5% market share. In second place, with 7.1%, is SUMMIT FUNDING, INC., having originated $4,205,000 in loans. In third place, with 7.0%, is QUICKEN LOANS, LLC, having originated $4,195,000 in loans. In fourth place, with 7.0%, is Mortgage Research Center, LLC, having originated $4,185,000 in loans. In fifth place, with 6.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $4,125,000 in loans.


Susanville Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Susanville (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 $189,900 (-14.4%) $389,428 (-27.6%) 0.00 139
2018-02-01 $198,500 (-12.6%) $396,380 (-31.6%) 0.00 141
2018-03-01 $219,900 (-12.0%) $407,962 (-25.9%) 0.00 146
2018-04-01 $217,425 (-5.2%) $398,524 (-16.8%) 0.00 160
2018-05-01 $227,000 (3.8%) $424,394 (1.8%) 0.00 177
2018-06-01 $239,900 (5.1%) $408,730 (-1.0%) 0.00 196
2018-07-01 $243,950 (2.9%) $395,729 (-14.6%) 0.00 219
2018-08-01 $245,000 (6.8%) $391,116 (-14.8%) 0.00 215
2018-09-01 $235,000 (6.8%) $304,879 (-31.3%) 0.00 219
2018-10-01 $227,000 (8.7%) $295,608 (-32.8%) 0.00 208
2018-11-01 $215,000 (2.7%) $295,687 (-23.4%) 0.00 185
2018-12-01 $224,500 (13.4%) $307,381 (-22.2%) 0.00 163
2019-01-01 $232,000 (22.2%) $334,720 (-14.1%) 0.00 134
2019-02-01 $232,450 (17.1%) $378,039 (-4.6%) 0.00 137
2019-03-01 $224,929 (2.3%) $368,181 (-9.8%) 0.00 139
2019-04-01 $227,428 (4.6%) $357,066 (-10.4%) 0.00 145
2019-05-01 $239,900 (5.7%) $387,282 (-8.7%) 0.00 169
2019-06-01 $244,900 (2.1%) $357,754 (-12.5%) 0.00 182
2019-07-01 $241,225 (-1.1%) $385,102 (-2.7%) 0.00 195
2019-08-01 $242,455 (-1.0%) $368,280 (-5.8%) 0.00 199
2019-09-01 $246,136 (4.7%) $341,037 (11.9%) 0.00 207
2019-10-01 $249,000 (9.7%) $321,368 (8.7%) 0.00 208
2019-11-01 $249,000 (15.8%) $321,171 (8.6%) 0.00 191
2019-12-01 $248,175 (10.6%) $331,918 (8.0%) 0.00 169
2020-01-01 $233,000 (0.4%) $302,861 (-9.5%) 0.00 148
2020-02-01 $219,500 (-5.6%) $284,617 (-24.7%) 0.00 137
2020-03-01 $225,000 (0.0%) $288,549 (-21.6%) 0.00 147
2020-04-01 $237,000 (4.2%) $291,279 (-18.4%) 0.00 154
2020-05-01 $249,999 (4.2%) $307,818 (-20.5%) 0.00 134
2020-06-01 $275,500 (12.5%) $347,022 (-3.0%) 0.00 126
2020-07-01 $269,800 (11.9%) $415,025 (7.8%) 0.00 120
2020-08-01 $249,000 (2.7%) $423,907 (15.1%) 0.00 106
2020-09-01 $263,450 (7.0%) $448,966 (31.7%) 0.00 108
2020-10-01 $260,000 (4.4%) $459,440 (43.0%) 0.00 99
2020-11-01 $252,500 (1.4%) $488,489 (52.1%) 0.00 90
2020-12-01 $241,725 (-2.6%) $473,813 (42.8%) 0.00 87
2021-01-01 $269,000 (15.5%) $539,016 (78.0%) 0.00 69
2021-02-01 $273,738 (24.7%) $606,306 (113.0%) 0.00 58
2021-03-01 $237,425 (5.5%) $579,264 (100.8%) 0.00 61
2021-04-01 $264,000 (11.4%) $531,341 (82.4%) 0.00 79
2021-05-01 $274,000 (9.6%) $450,277 (46.3%) 0.00 126
2021-06-01 $294,750 (7.0%) $468,901 (35.1%) 0.00 116
2021-07-01 $310,000 (14.9%) $496,072 (19.5%) 0.00 121
2021-08-01 $339,925 (36.5%) $527,806 (24.5%) 0.00 117
2021-09-01 $342,450 (30.0%) $498,498 (11.0%) 0.00 117
2021-10-01 $329,450 (26.7%) $428,173 (-6.8%) 0.00 108
2021-11-01 $314,500 (24.6%) $454,809 (-6.9%) 0.00 106
2021-12-01 $307,500 (27.2%) $443,056 (-6.5%) 0.00 107
2022-01-01 $305,000 (13.4%) $404,438 (-25.0%) 0.00 86
2022-02-01 $321,950 (17.6%) $443,806 (-26.8%) 0.00 67
2022-03-01 $342,500 (44.3%) $527,610 (-8.9%) 0.00 76
2022-04-01 $310,000 (17.4%) $522,354 (-1.7%) 0.00 75
2022-05-01 $327,450 (19.5%) $486,322 (8.0%) 0.00 95
2022-06-01 $310,000 (5.2%) $383,610 (-18.2%) 0.00 110
2022-07-01 $324,900 (4.8%) $391,940 (-21.0%) 0.00 110
2022-08-01 $306,975 (-9.7%) $393,885 (-25.4%) 0.00 116
2022-09-01 $310,750 (-9.3%) $387,281 (-22.3%) 0.00 114
2022-10-01 $299,999 (-8.9%) $372,649 (-13.0%) 0.00 124
2022-11-01 $295,000 (-6.2%) $332,406 (-26.9%) 0.00 119
2022-12-01 $297,000 (-3.4%) $332,933 (-24.9%) 0.00 97
2023-01-01 $295,000 (-3.3%) $378,964 (-6.3%) 0.00 95
2023-02-01 $299,999 (-6.8%) $386,992 (-12.8%) 0.00 89
2023-03-01 $299,250 (-12.6%) $383,981 (-27.2%) 0.00 84
2023-04-01 $308,950 (-0.3%) $394,848 (-24.4%) 0.00 76
2023-05-01 $312,500 (-4.6%) $394,212 (-18.9%) 0.00 98
2023-06-01 $309,000 (-0.3%) $393,914 (2.7%) 0.00 116
2023-07-01 $299,999 (-7.7%) $385,761 (-1.6%) 0.00 125
2023-08-01 $307,950 (0.3%) $394,941 (0.3%) 0.00 128
2023-09-01 $315,000 (1.4%) $495,961 (28.1%) 0.00 128
2023-10-01 $312,400 (4.1%) $489,884 (31.5%) 0.00 132
2023-11-01 $310,000 (5.1%) $507,718 (52.7%) 0.00 121
2023-12-01 $304,000 (2.4%) $497,000 (49.3%) 0.00 114
2024-01-01 $293,000 (-0.7%) $453,990 (19.8%) 0.00 111
2024-02-01 $300,500 (0.2%) $468,743 (21.1%) 0.00 100
2024-03-01 $310,000 (3.6%) $471,862 (22.9%) 0.00 99
Susanville's median listing price for 2024-03-01 was $310,000, a difference of $10,750 (3.6%) versus the prior year and $9,500 versus the prior month.

Susanville's median listing price comes in at 0% of the national average.

Susanville's average listing price for 2024-03-01 was $471,862, a difference of $87,881 (22.9%) versus the prior year and $3,119 versus the prior month.

For the 2024-03-01 period, Susanville had 99 MLS listings, a difference of -1 listings (-1%) versus the prior month and 15 listings (18%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Susanville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,499 sqft
2018-02-01 0 days 1,501 sqft
2018-03-01 0 days 1,502 sqft
2018-04-01 0 days 1,542 sqft
2018-05-01 0 days 1,567 sqft
2018-06-01 0 days 1,613 sqft
2018-07-01 0 days 1,623 sqft
2018-08-01 0 days 1,630 sqft
2018-09-01 0 days 1,623 sqft
2018-10-01 0 days 1,609 sqft
2018-11-01 0 days 1,607 sqft
2018-12-01 0 days 1,596 sqft
2019-01-01 0 days 1,596 sqft
2019-02-01 0 days 1,598 sqft
2019-03-01 0 days 1,606 sqft
2019-04-01 0 days 1,635 sqft
2019-05-01 0 days 1,641 sqft
2019-06-01 0 days 1,652 sqft
2019-07-01 0 days 1,664 sqft
2019-08-01 0 days 1,670 sqft
2019-09-01 0 days 1,659 sqft
2019-10-01 0 days 1,645 sqft
2019-11-01 0 days 1,636 sqft
2019-12-01 0 days 1,578 sqft
2020-01-01 0 days 1,526 sqft
2020-02-01 0 days 1,453 sqft
2020-03-01 0 days 1,469 sqft
2020-04-01 0 days 1,508 sqft
2020-05-01 0 days 1,576 sqft
2020-06-01 0 days 1,677 sqft
2020-07-01 0 days 1,721 sqft
2020-08-01 0 days 1,596 sqft
2020-09-01 0 days 1,627 sqft
2020-10-01 0 days 1,567 sqft
2020-11-01 0 days 1,650 sqft
2020-12-01 0 days 1,661 sqft
2021-01-01 0 days 1,674 sqft
2021-02-01 0 days 1,734 sqft
2021-03-01 0 days 1,579 sqft
2021-04-01 0 days 1,555 sqft
2021-05-01 0 days 1,670 sqft
2021-06-01 0 days 1,825 sqft
2021-07-01 0 days 1,855 sqft
2021-08-01 0 days 1,873 sqft
2021-09-01 0 days 1,859 sqft
2021-10-01 0 days 1,852 sqft
2021-11-01 0 days 1,791 sqft
2021-12-01 0 days 1,736 sqft
2022-01-01 0 days 1,669 sqft
2022-02-01 0 days 1,699 sqft
2022-03-01 0 days 1,792 sqft
2022-04-01 0 days 1,768 sqft
2022-05-01 0 days 1,754 sqft
2022-06-01 0 days 1,673 sqft
2022-07-01 0 days 1,646 sqft
2022-08-01 0 days 1,573 sqft
2022-09-01 0 days 1,604 sqft
2022-10-01 0 days 1,620 sqft
2022-11-01 0 days 1,581 sqft
2022-12-01 0 days 1,576 sqft
2023-01-01 0 days 1,522 sqft
2023-02-01 0 days 1,521 sqft
2023-03-01 0 days 1,519 sqft
2023-04-01 0 days 1,623 sqft
2023-05-01 0 days 1,649 sqft
2023-06-01 0 days 1,672 sqft
2023-07-01 0 days 1,646 sqft
2023-08-01 0 days 1,654 sqft
2023-09-01 0 days 1,672 sqft
2023-10-01 0 days 1,680 sqft
2023-11-01 0 days 1,670 sqft
2023-12-01 0 days 1,619 sqft
2024-01-01 0 days 1,577 sqft
2024-02-01 0 days 1,600 sqft
2024-03-01 0 days 1,572 sqft
Susanville's median listing age (time on market) for 2024-03-01 was 0 days.

Susanville's median square footage for active listings during the 2024-03-01 period was 1,572 sqft. One year prior, the average listing was 1,519 sqft.

Susanville, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 224 $47,130,000 $210,402
Cash Out Refi 28 $5,880,000 $210,000
Refi 21 $5,085,000 $242,143
Other 11 $855,000 $77,727
Home Improvement 9 $685,000 $76,111

Susanville's most frequently cited loan purpose was Home Purchase, with 224 originations. The 2nd most popular reason was Cash Out Refi, with 28 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 126 $27,110,000 $215,159
7-8% 81 $15,225,000 $187,963
5-6% 49 $10,805,000 $220,510
Over 8% 30 $5,220,000 $174,000
<2.5% 3 $15,000 $5,000
4-5% 3 $1,155,000 $385,000

During 2023, Susanville's most frequently originated rate bucket was 6-7%, with 126 originations.

Loan Sizing (Susanville, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 124 $33,170,000 $267,500
$100k-200k 95 $14,175,000 $149,211
$100,000 or less 57 $2,555,000 $44,825
$400k-600k 14 $6,550,000 $467,857
$600k-1000k 2 $1,280,000 $640,000
$Over $1MM 1 $1,905,000 $1,905,000

Susanville's loan sizing saw the bucket of loans from $200k-400k with 124 originations, totaling $33,170,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 165 $42,805,000 $259,424
60-80% 49 $9,385,000 $191,531
Under 20% 34 $820,000 $24,118
20-40% 21 $1,985,000 $94,524
40-60% 18 $3,010,000 $167,222
Over 100% 3 $1,065,000 $355,000

Susanville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 165 originations, totaling $42,805,000 in origination value.