Susanville Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Susanville averaged
6.64%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.97% and
one month ago for the week of 2025-05-15, the
average rate was 6.74%.
Susanville's average rate one year ago was 7.08%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.41%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Susanville 30 Year Fixed Rate | 2025-06-18 | 6.64% |
| Susanville 30 Year Fixed Rate Refi | 2025-06-18 | 7.41% |
| Susanville 15 Year Fixed Rate | 2025-06-18 | 6.06% |
| Susanville 15 Year Fixed Rate Refi | 2025-06-18 | 6.36% |
| Susanville 30 Year FHA | 2025-06-18 | 0% |
| Susanville 30 Year FHA Refi | 2025-06-18 | -0.2% |
| Susanville 30 Year USDA | 2025-06-18 | -0.1% |
| Susanville 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Susanville 30 Year VA | 2025-06-18 | 0.2% |
| Susanville 30 Year VA Refi | 2025-06-18 | 0% |
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.).
Susanville Average Closing Costs & Other Stats
Susanville, CA's 35 lenders originated 306
loans during 2024. The total origination value was $58,760,000, with an average loan value of
$192,026.
Susanville's average closing costs are $6,228.
The top Susanville lender as defined by loan originations is QUICKEN LOANS, LLC, with
14 loans originated. Their average total fees are
$6,371, which is $1,065
lower than the next largest lender,
AXIA FINANCIAL, LLC.
The lowest fee Susanville lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC ($6,371), .
The lowest rate Susanville lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.76%), .
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| AXIA FINANCIAL, LLC | $13,390,000 | $6,275,000 | -53.1% | 10.7% |
| QUICKEN LOANS, LLC | $4,195,000 | $5,570,000 | 32.8% | 9.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $4,125,000 | $4,140,000 | 0.4% | 7.0% |
| FREEDOM MORTGAGE CORPORATION | $755,000 | $3,380,000 | 347.7% | 5.8% |
| PLANET HOME LENDING, LLC | $3,235,000 | n/a | 5.5% | |
| SUMMIT FUNDING, INC. | $4,205,000 | $3,170,000 | -24.6% | 5.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,355,000 | $2,850,000 | 21.0% | 4.9% |
| INFINITY EQUITY GROUP, INC. | $2,760,000 | n/a | 4.7% | |
| GUILD MORTGAGE COMPANY | $1,235,000 | $2,600,000 | 110.5% | 4.4% |
| Mortgage Research Center, LLC | $4,185,000 | $2,510,000 | -40.0% | 4.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $2,065,000 | $1,415,000 | -31.5% | 2.4% |
| Umpqua Bank | $1,390,000 | n/a | 2.4% | |
| CMG MORTGAGE, INC. | $615,000 | $1,245,000 | 102.4% | 2.1% |
| Mr. Cooper ( Nationstar Mortgage ) | $520,000 | $1,115,000 | 114.4% | 1.9% |
| USAA Federal Savings Bank | $165,000 | $995,000 | 503.0% | 1.7% |
| LOANDEPOT.COM, LLC | $510,000 | $930,000 | 82.4% | 1.6% |
| BROKER SOLUTIONS, INC. | $305,000 | $705,000 | 131.1% | 1.2% |
| Tri Counties Bank | $375,000 | $705,000 | 88.0% | 1.2% |
| Wells Fargo Bank | $295,000 | $700,000 | 137.3% | 1.2% |
| THE GOLDEN 1 | $1,105,000 | $675,000 | -38.9% | 1.1% |
| VILLAGE CAPITAL MORTGAGE | $185,000 | $660,000 | 256.8% | 1.1% |
| NAVY FEDERAL CREDIT UNION | $770,000 | $580,000 | -24.7% | 1.0% |
| MOVEMENT MORTGAGE, LLC | $145,000 | $490,000 | 237.9% | 0.8% |
| The Loan Store, Inc. | $910,000 | $490,000 | -46.2% | 0.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $480,000 | n/a | 0.8% | |
| CHURCHILL MORTGAGE CORPORATION | $465,000 | n/a | 0.8% | |
| Sierra Central Credit Union | $970,000 | $450,000 | -53.6% | 0.8% |
| PLAZA HOME MORTGAGE, INC. | $445,000 | n/a | 0.8% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $405,000 | n/a | 0.7% | |
| Figure Lending LLC | $395,000 | n/a | 0.7% | |
| SCHOOLSFIRST | $330,000 | n/a | 0.6% | |
| U.S. Bank | $1,455,000 | $330,000 | -77.3% | 0.6% |
| OCMBC, INC. | $310,000 | n/a | 0.5% | |
| GARDNER FINANCIAL SERVICES, LTD. | $305,000 | n/a | 0.5% | |
| FIRST COLONY MORTGAGE CORPORATION | $145,000 | $295,000 | 103.4% | 0.5% |
| SPRING EQ, LLC | $55,000 | $295,000 | 436.4% | 0.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $775,000 | $285,000 | -63.2% | 0.5% |
| GUARANTEED RATE, INC. | $125,000 | $275,000 | 120.0% | 0.5% |
| OCEANSIDE MORTGAGE COMPANY | $265,000 | $275,000 | 3.8% | 0.5% |
| AMERISAVE MORTGAGE CORPORATION | $135,000 | $270,000 | 100.0% | 0.5% |
| JPMorgan Chase Bank | $265,000 | n/a | 0.5% | |
| Watermark Capital, Inc. | $255,000 | n/a | 0.4% | |
| Century Mortgage Company DBA Century Lending Company | $225,000 | n/a | 0.4% | |
| Commerce Home Mortgage, Inc. | $1,000,000 | $225,000 | -77.5% | 0.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $225,000 | n/a | 0.4% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $115,000 | $205,000 | 78.3% | 0.3% |
| NBKC BANK | $205,000 | $205,000 | 0.0% | 0.3% |
| PNC Bank | $85,000 | $205,000 | 141.2% | 0.3% |
| Flagstar Bank, FSB | $200,000 | n/a | 0.3% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $195,000 | n/a | 0.3% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,095,000 | $175,000 | -84.0% | 0.3% |
| Bank of America | $445,000 | $165,000 | -62.9% | 0.3% |
| Discover Bank | $45,000 | $165,000 | 266.7% | 0.3% |
| GENEVA FINANCIAL, LLC | $165,000 | n/a | 0.3% | |
| PENNYMAC LOAN SERVICES, LLC | $1,255,000 | $155,000 | -87.6% | 0.3% |
| TOTAL MORTGAGE SERVICES, LLC | $145,000 | n/a | 0.2% | |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $125,000 | n/a | 0.2% | |
| Coastal Community Bank | $120,000 | n/a | 0.2% | |
| ALLIANT CREDIT UNION | $110,000 | n/a | 0.2% | |
| Sierra Pacific Mortgage Company, Inc. | $105,000 | $105,000 | 0.0% | 0.2% |
| San Joaquin Power Employees Credit Union | $95,000 | n/a | 0.2% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $75,000 | n/a | 0.1% | |
| NexBank | $65,000 | n/a | 0.1% | |
| PACIFIC SERVICE | $65,000 | $45,000 | -30.8% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $275,000 | $35,000 | -87.3% | 0.1% |
Susanville's top lender by overall market share is AXIA FINANCIAL, LLC, with 10.7% market share. In second place, with 9.5%, is QUICKEN LOANS, LLC, having originated $5,570,000 in loans. In third place, with 7.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $4,140,000 in loans. In fourth place, with 5.8%, is FREEDOM MORTGAGE CORPORATION, having originated $3,380,000 in loans. In fifth place, with 5.5%, is PLANET HOME LENDING, LLC, having originated $3,235,000 in loans.
Susanville, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 186 | $40,410,000 | $217,258 |
| Refi | 41 | $9,295,000 | $226,707 |
| Cash Out Refi | 38 | $5,750,000 | $151,316 |
| Other | 21 | $2,015,000 | $95,952 |
| Home Improvement | 20 | $1,290,000 | $64,500 |
Susanville's most frequently cited loan purpose was Home Purchase, with 186 originations. The 2nd most popular reason was Refi, with 41 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 130 | $30,200,000 | $232,308 |
| 7-8% | 71 | $13,625,000 | $191,901 |
| Over 8% | 54 | $3,460,000 | $64,074 |
| 5-6% | 39 | $9,965,000 | $255,513 |
| <2.5% | 7 | $85,000 | $12,143 |
| 4-5% | 1 | $265,000 | $265,000 |
| 3-4% | 1 | $195,000 | $195,000 |
| 2.5-3% | 1 | $255,000 | $255,000 |
During 2024, Susanville's most frequently originated rate bucket was 6-7%, with 130 originations.
Loan Sizing (Susanville, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 122 | $33,330,000 | $273,197 |
| $100,000 or less | 84 | $4,120,000 | $49,048 |
| $100k-200k | 82 | $12,480,000 | $152,195 |
| $400k-600k | 15 | $6,965,000 | $464,333 |
| $600k-1000k | 3 | $1,865,000 | $621,667 |
Susanville's loan sizing saw the bucket of loans from $200k-400k with 122 originations, totaling $33,330,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 150 | $37,280,000 | $248,533 |
| Under 20% | 53 | $1,795,000 | $33,868 |
| 60-80% | 42 | $8,600,000 | $204,762 |
| 20-40% | 27 | $2,365,000 | $87,593 |
| 40-60% | 18 | $3,160,000 | $175,556 |
| Over 100% | 3 | $1,275,000 | $425,000 |
Susanville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 150 originations, totaling $37,280,000 in origination value.