Truckee - Grass Valley Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Truckee - Grass Valley averaged 6.25% for the week of 2024-10-10, compared to the national average of 6.32% for the same period.

The average rate for the prior week (2024-10-03) was 5.95% and one month ago for the week of 2024-09-05, the average rate was 6.58%.

Truckee - Grass Valley's average rate one year ago was 7.72%.

For refis of the same type during the week of 2024-10-10, the average rate was 6.52%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-10 6.32%
Truckee - Grass Valley 30 Year Fixed Rate 2024-10-10 6.25%
Truckee - Grass Valley 30 Year Fixed Rate Refi 2024-10-10 6.52%
Truckee - Grass Valley 15 Year Fixed Rate 2024-10-10 5.41%
Truckee - Grass Valley 15 Year Fixed Rate Refi 2024-10-10 5.71%
Truckee - Grass Valley 30 Year FHA 2024-10-10 5.74%
Truckee - Grass Valley 30 Year FHA Refi 2024-10-10 6.2%
Truckee - Grass Valley 30 Year USDA 2024-10-10 6.18%
Truckee - Grass Valley 30 Year USDA Refi 2024-10-10 5.98%
Truckee - Grass Valley 30 Year VA 2024-10-10 6.05%
Truckee - Grass Valley 30 Year VA Refi 2024-10-10 5.65%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Truckee-Grass Valley, CA.

Truckee - Grass Valley 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 Truckee-Grass Valley, 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
UNITED WHOLESALE MORTGAGE, LLC 200 6.75% $7,752
QUICKEN LOANS, LLC 80 6.74% $7,779
CROSSCOUNTRY MORTGAGE, LLC 49 7.08% $7,796
AMERICAN PACIFIC MORTGAGE CORPORATION 46 7.03% $6,165
GUILD MORTGAGE COMPANY 41 7.00% $9,309
JPMorgan Chase Bank 35 6.61% $7,386
MOVEMENT MORTGAGE, LLC 31 6.73% $9,117
Flagstar Bank, FSB 31 6.92% $7,240
ALAMEDA MORTGAGE CORPORATION 30 6.88% $9,026
Wells Fargo Bank 24 6.18% $5,544
U.S. Bank 23 6.70% $10,239
Morgan Stanley Private Bank 15 6.00% $4,250
S1L, Inc. 15 7.40% $12,037
PENNYMAC LOAN SERVICES, LLC 14 6.89% $7,441
The Loan Store, Inc. 13 7.13% $8,318
LOANDEPOT.COM, LLC 12 6.56% $12,586
Tri Counties Bank 11 6.85% $5,212
Bank of America 11 6.38% $6,015
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 11 6.69% $7,927
Charles Schwab Bank, SSB 10 6.12% $3,472
GUARANTEED RATE, INC. 9 6.50% $5,824
THE GOLDEN 1 8 6.02% $6,395
Century Mortgage Company DBA Century Lending Company 7 6.93% $5,829
Citibank 7 5.93% $7,433
University Bank 6 6.87% $7,190
CMG MORTGAGE, INC. 6 7.12% $10,250
PACIFIC RESIDENTIAL MORTGAGE, LLC 6 6.96% $7,413
Northpointe Bank 6 6.62% $7,602
Mr. Cooper ( Nationstar Mortgage ) 5 6.94% $5,818
Sierra Pacific Mortgage Company, Inc. 5 6.90% $10,355
Paramount Residential Mortgage Group, Inc. 5 6.83% $6,537
SUMMIT FUNDING, INC. 5 7.48% $9,426
MASON MCDUFFIE MORTGAGE CORPORATION 5 7.04% $10,812
BMO Harris Bank 5 5.93% $5,533
STAR ONE CREDIT UNION 5 5.85% $3,177
CALIBER HOME LOANS, INC. 5 6.38% $6,298
AMERISAVE MORTGAGE CORPORATION 5 6.70% $7,525
Provident Credit Union 4 6.69% $3,994
PNC Bank 4 6.50% $6,990
Citizens Bank 4 6.97% $8,868
PLAZA HOME MORTGAGE, INC. 4 7.00% $8,184
First-Citizens Bank & Trust Company 4 5.72% $4,793
First Republic Bank 4 4.83% $4,336
AmeriHome Mortgage Company, LLC 4 6.56% $5,817
BROKER SOLUTIONS, INC. 4 6.87% $8,898
HOMEXPRESS MORTGAGE CORP. 3 9.33% $9,116
ZILLOW HOME LOANS, LLC 3 7.17% $5,488
Mechanics Bank 3 6.83% $4,785
GUARANTEED RATE AFFINITY, LLC 3 6.91% $5,052
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 6.50% $8,203
CHEVRON 3 6.13% $7,253
City National Bank 3 6.58% $3,754
Bethpage Federal Credit Union 3 5.79% $4,745
NMSI, INC. 3 6.42% $9,109
Discover Bank 3 6.49% $0
LAND HOME FINANCIAL SERVICES, INC. 3 7.25% $6,543
PATELCO 3 7.42% $3,751
EVERETT FINANCIAL, INC. 3 6.66% $12,583
PREMIER MORTGAGE RESOURCES, L.L.C. 2 6.00% $3,846
ACADEMY MORTGAGE CORPORATION 2 6.44% $14,472
American Mortgage & Equity Consultants, Inc. 2 7.38% $7,166
Ameris Bank 2 8.06% $3,142
BETTER MORTGAGE CORPORATION 2 6.00% $10,488
BNY Mellon 2 6.63% $5,785
Commerce Home Mortgage, Inc. 2 7.88% $21,886
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2 7.00% $6,325
FIRST TECHNOLOGY 2 5.94% $6,144
Goldman Sachs Bank USA 2 5.25% $2,637
GOOGAIN, INC. 2 6.56% $16,774
HOMEOWNERS FINANCIAL GROUP USA, LLC 2 7.13% $5,772
JMAC LENDING, INC. 2 8.12% $11,796
KeyBank 2 6.06% $5,915
LAKEVIEW LOAN SERVICING, LLC 2 6.00% $10,466
NAVY FEDERAL CREDIT UNION 2 7.13% $16,268
NEWREZ LLC 2 7.63% $17,748
NexBank 2 7.50% $12,559
NEXERA HOLDING LLC 2 8.06% $6,153
Prosperity Home Mortgage, LLC 2 7.50% $7,287
PROVIDENT FUNDING ASSOCIATES, L.P. 2 6.00% $7,024
Provident Savings Bank, F.S.B. 2 6.38% $11,614
REDWOOD 2 6.38% $3,815
Stifel Bank and Trust 2 4.88% $2,631
UBS Bank USA 2 5.00% $4,744
GENEVA FINANCIAL, LLC 1 7.00% $8,203
MORIA DEVELOPMENT, INC. 1 8.13% $8,164
MORTGAGE EQUITY PARTNERS LLC 1 7.63% $12,969
MOUNTAIN WEST FINANCIAL, INC. 1 6.99% $16,214
General Mortgage Capital Corporation 1 5.88% $7,374
Fremont Bank 1 7.75% $925
TRAVIS CREDIT UNION 1 6.25% $4,400
NBKC BANK 1 5.88% $3,315
ARC HOME LLC 1 8.25% $3,901
Truist 1 6.90% $4,924
Academy Bank 1 6.63% $3,930
First Western Trust Bank 1 7.75% $7,938
First Savings Bank 1 6.88% $9,928
Northwest Farm Credit Services, FLCA 1 7.55% $10,512
OCMBC, INC. 1 7.75% $7,870
ONY GLO, INC. 1 6.75% $3,549
Firefighters First Federal Credit Union 1 6.50% $2,662
PACIFIC SERVICE 1 7.75% $5,905
Evolve Bank & Trust 1 7.50% $11,772
Equity Prime Mortgage LLC 1 7.75% $2,740
DRAPER AND KRAMER MORTGAGE CORP. 1 7.38% $6,499
Comerica Bank 1 6.75% $4,625
Citadel Servicing Corporation 1 7.50% $12,686
5TH STREET CAPITAL, INC. 1 8.63% $11,816
CHURCHILL MORTGAGE CORPORATION 1 7.99% $10,552
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.50% $11,162
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 8.63% $23,316
CENTRAL COAST LENDING, INC. 1 7.13% $8,398
AmRes Corporation 1 6.38% $4,103
AMERICAN INTERNET MORTGAGE, INC. 1 7.25% $4,276
CARDINAL FINANCIAL 1 6.88% $5,987
Watermark Capital, Inc. 1 6.63% $5,814
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 6.00% $12,546
CANOPY MORTGAGE, LLC 1 6.99% $5,296
SACRAMENTO Credit Union 1 7.00% $2,960
SAFE CREDIT UNION 1 7.50% $3,234
San Mateo Credit Union 1 7.25% $4,792
SCHOOLSFIRST 1 6.38% $3,596
Sierra Central Credit Union 1 6.50% $4,853
California Coast Credit Union 1 6.50% $2,531
SOVEREIGN LENDING GROUP INCORPORATED 1 6.13% $10,880
BECKAM FUNDING CORP. 1 7.63% $12,358
Ally Bank 1 5.38% $14,755
BAY EQUITY LLC 1 7.25% $4,306
The Federal Savings Bank 1 5.75% $16,044
Banner Bank 1 7.38% $12,823
KBHS HOME LOANS, LLC 1 5.88% $15,402
AXIA FINANCIAL, LLC 1 6.88% $6,878
TJC Mortgage, Inc. 1 6.50% $4,074
INFINITY EQUITY GROUP, INC. 1 6.38% $4,389
LBS FINANCIAL 1 6.25% $4,754
LENDSURE MORTGAGE CORP. 1 7.75% $21,914
LENOX FINANCIAL MORTGAGE CORPORATION 1 5.88% $17,273
HSBC BANK USA, NATIONAL ASSOCIATION 1 5.82% $6,743
LOGIX FEDERAL CREDIT UNION 1 6.50% $4,669
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 8.25% $23,790
Golden Empire Mortgage, Inc. 1 6.50% $13,974
MICHIGAN MUTUAL, INC. 1 6.25% $9,265

Truckee - Grass Valley Average Closing Costs & Other Stats

Truckee-Grass Valley, CA's 141 lenders originated 1,839 loans during 2023. The total origination value was $780,245,000, with an average loan value of $424,277.

Truckee - Grass Valley's average closing costs are $5,582.

The top Truckee - Grass Valley lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 200 loans originated. Their average total fees are $7,752, which is $27 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Truckee - Grass Valley lenders (with over 10 loans originated) are Charles Schwab Bank, SSB ($3,472), Morgan Stanley Private Bank ($4,250), Tri Counties Bank ($5,212), Wells Fargo Bank ($5,544) and Bank of America ($6,015).

The lowest rate Truckee - Grass Valley lenders (with over 10 loans originated) are Morgan Stanley Private Bank (6.00%), Charles Schwab Bank, SSB (6.12%), Wells Fargo Bank (6.18%), Bank of America (6.38%) and LOANDEPOT.COM, LLC (6.56%).

Truckee-Grass Valley, 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 $160,870,000 $118,525,000 -26.3% 15.2%
QUICKEN LOANS, LLC $70,780,000 $43,865,000 -38.0% 5.6%
JPMorgan Chase Bank $28,060,000 $32,870,000 17.1% 4.2%
CROSSCOUNTRY MORTGAGE, LLC $20,325,000 $30,500,000 50.1% 3.9%
U.S. Bank $45,380,000 $24,765,000 -45.4% 3.2%
CBRE MULTIFAMILY CAPITAL, INC. $24,755,000 n/a 3.2%
GUILD MORTGAGE COMPANY $40,195,000 $24,470,000 -39.1% 3.1%
Bank of America $48,745,000 $22,745,000 -53.3% 2.9%
AMERICAN PACIFIC MORTGAGE CORPORATION $41,130,000 $22,370,000 -45.6% 2.9%
MOVEMENT MORTGAGE, LLC $36,535,000 $21,915,000 -40.0% 2.8%
Wells Fargo Bank $56,425,000 $18,925,000 -66.5% 2.4%
Flagstar Bank, FSB $24,010,000 $14,945,000 -37.8% 1.9%
ALAMEDA MORTGAGE CORPORATION $3,015,000 $13,900,000 361.0% 1.8%
S1L, Inc. $26,770,000 $12,255,000 -54.2% 1.6%
Morgan Stanley Private Bank $20,640,000 $11,365,000 -44.9% 1.5%
BMO Harris Bank $1,600,000 $10,945,000 584.1% 1.4%
Tri Counties Bank $23,860,000 $10,925,000 -54.2% 1.4%
THE GOLDEN 1 $9,185,000 $9,655,000 5.1% 1.2%
PENNYMAC LOAN SERVICES, LLC $10,050,000 $9,110,000 -9.4% 1.2%
LOANDEPOT.COM, LLC $30,925,000 $8,570,000 -72.3% 1.1%
Citibank $9,320,000 $8,550,000 -8.3% 1.1%
GUARANTEED RATE, INC. $21,340,000 $7,755,000 -63.7% 1.0%
Charles Schwab Bank, SSB $13,250,000 $7,430,000 -43.9% 1.0%
Commerce Home Mortgage, Inc. $8,900,000 $6,645,000 -25.3% 0.9%
The Loan Store, Inc. $975,000 $6,230,000 539.0% 0.8%
Century Mortgage Company DBA Century Lending Company $3,065,000 $5,590,000 82.4% 0.7%
Mortgage Research Center, LLC $4,135,000 $5,355,000 29.5% 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $9,320,000 $5,255,000 -43.6% 0.7%
FINANCE OF AMERICA REVERSE LLC $8,065,000 $5,125,000 -36.5% 0.7%
PNC Bank $17,740,000 $5,045,000 -71.6% 0.6%
First-Citizens Bank & Trust Company $3,825,000 $4,685,000 22.5% 0.6%
First Republic Bank $39,280,000 $4,405,000 -88.8% 0.6%
Northpointe Bank $3,195,000 $3,835,000 20.0% 0.5%
NEWREZ LLC $5,035,000 $3,650,000 -27.5% 0.5%
Zions Bank $3,025,000 $3,630,000 20.0% 0.5%
STAR ONE CREDIT UNION $4,710,000 $3,605,000 -23.5% 0.5%
University Bank $3,520,000 n/a 0.5%
ORIX REAL ESTATE CAPITAL, LLC $17,885,000 $3,515,000 -80.3% 0.5%
Banner Bank $4,400,000 $3,505,000 -20.3% 0.4%
CMG MORTGAGE, INC. $8,145,000 $3,275,000 -59.8% 0.4%
Carrington Mortgage Services, LLC $470,000 $3,215,000 584.0% 0.4%
FIRST U.S. COMMUNITY CREDIT UNION $4,785,000 $3,170,000 -33.8% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $7,955,000 $3,130,000 -60.7% 0.4%
PLAZA HOME MORTGAGE, INC. $3,365,000 $3,115,000 -7.4% 0.4%
MASON MCDUFFIE MORTGAGE CORPORATION $2,425,000 $2,885,000 19.0% 0.4%
Sierra Pacific Mortgage Company, Inc. $4,805,000 $2,865,000 -40.4% 0.4%
SUMMIT FUNDING, INC. $1,745,000 $2,860,000 63.9% 0.4%
Greenbox Loans, Inc. $345,000 $2,820,000 717.4% 0.4%
NAVY FEDERAL CREDIT UNION $5,315,000 $2,785,000 -47.6% 0.4%
Goldman Sachs Bank USA $2,760,000 n/a 0.4%
Provident Credit Union $1,040,000 $2,755,000 164.9% 0.4%
HOMEXPRESS MORTGAGE CORP. $2,940,000 $2,485,000 -15.5% 0.3%
CALIBER HOME LOANS, INC. $9,485,000 $2,460,000 -74.1% 0.3%
Paramount Residential Mortgage Group, Inc. $18,685,000 $2,445,000 -86.9% 0.3%
AmeriHome Mortgage Company, LLC $1,450,000 $2,400,000 65.5% 0.3%
CHEVRON $2,285,000 $2,350,000 2.8% 0.3%
AMWEST FUNDING CORP. $2,095,000 $2,275,000 8.6% 0.3%
GUARANTEED RATE AFFINITY, LLC $7,800,000 $2,230,000 -71.4% 0.3%
Umpqua Bank $16,530,000 $2,215,000 -86.6% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $3,465,000 $2,210,000 -36.2% 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $5,490,000 $2,210,000 -59.7% 0.3%
ALLIANT CREDIT UNION $4,160,000 $2,175,000 -47.7% 0.3%
PATELCO $4,560,000 $2,135,000 -53.2% 0.3%
Evolve Bank & Trust $455,000 $2,125,000 367.0% 0.3%
BROKER SOLUTIONS, INC. $6,070,000 $2,100,000 -65.4% 0.3%
UBS Bank USA $10,410,000 $1,980,000 -81.0% 0.3%
Citizens Bank $2,355,000 $1,930,000 -18.0% 0.2%
BNY Mellon $605,000 $1,910,000 215.7% 0.2%
Mechanics Bank $1,105,000 $1,755,000 58.8% 0.2%
PACIFIC RESIDENTIAL MORTGAGE, LLC $2,155,000 $1,730,000 -19.7% 0.2%
LENDINGHOME FUNDING CORPORATION $495,000 $1,725,000 248.5% 0.2%
TRAVIS CREDIT UNION $1,020,000 $1,720,000 68.6% 0.2%
SCHOOLSFIRST $3,280,000 $1,710,000 -47.9% 0.2%
North American Savings Bank, F.S.B. $700,000 $1,700,000 142.9% 0.2%
LENDSURE MORTGAGE CORP. $4,335,000 $1,690,000 -61.0% 0.2%
Provident Savings Bank, F.S.B. $980,000 $1,690,000 72.4% 0.2%
AMERISAVE MORTGAGE CORPORATION $6,345,000 $1,675,000 -73.6% 0.2%
First Northern Bank of Dixon $1,670,000 n/a 0.2%
REDWOOD $4,720,000 $1,640,000 -65.3% 0.2%
Bethpage Federal Credit Union $4,420,000 $1,610,000 -63.6% 0.2%
PREMIER MORTGAGE RESOURCES, L.L.C. $7,700,000 $1,595,000 -79.3% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $5,755,000 $1,575,000 -72.6% 0.2%
EVERETT FINANCIAL, INC. $9,195,000 $1,570,000 -82.9% 0.2%
KeyBank $3,335,000 $1,560,000 -53.2% 0.2%
City National Bank $3,690,000 $1,475,000 -60.0% 0.2%
PHH Mortgage Corporation $3,450,000 $1,465,000 -57.5% 0.2%
ANGEL OAK MORTGAGE SOLUTIONS LLC $3,295,000 $1,460,000 -55.7% 0.2%
Figure Lending LLC $2,890,000 $1,430,000 -50.5% 0.2%
GOOGAIN, INC. $775,000 $1,380,000 78.1% 0.2%
TRIAD FINANCIAL SERVICES, INC. $290,000 $1,350,000 365.5% 0.2%
HighTechLending Inc $1,265,000 $1,300,000 2.8% 0.2%
Hometown Equity Mortgage, LLC $3,070,000 $1,275,000 -58.5% 0.2%
JMAC LENDING, INC. $810,000 $1,270,000 56.8% 0.2%
Sierra Central Credit Union $2,850,000 $1,260,000 -55.8% 0.2%
LAKEVIEW LOAN SERVICING, LLC $3,130,000 $1,245,000 -60.2% 0.2%
FIRST TECHNOLOGY $1,985,000 $1,240,000 -37.5% 0.2%
Truist $3,145,000 $1,225,000 -61.0% 0.2%
HOMEOWNERS FINANCIAL GROUP USA, LLC $810,000 $1,215,000 50.0% 0.2%
The Federal Savings Bank $670,000 $1,215,000 81.3% 0.2%
NMSI, INC. $1,565,000 $1,200,000 -23.3% 0.2%
First Western Trust Bank $1,155,000 n/a 0.1%
LENOX FINANCIAL MORTGAGE CORPORATION $455,000 $1,155,000 153.8% 0.1%
NEXERA HOLDING LLC $3,075,000 $1,145,000 -62.8% 0.1%
MOUNTAIN WEST FINANCIAL, INC. $925,000 $1,140,000 23.2% 0.1%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $14,035,000 $1,130,000 -91.9% 0.1%
USAA Federal Savings Bank $2,810,000 $1,115,000 -60.3% 0.1%
NexBank $1,540,000 $1,060,000 -31.2% 0.1%
HSBC BANK USA, NATIONAL ASSOCIATION $255,000 $1,040,000 307.8% 0.1%
NBKC BANK $950,000 $1,040,000 9.5% 0.1%
Merchants Bank of Indiana $575,000 $1,005,000 74.8% 0.1%
Third Federal Savings and Loan Association of Cleveland $1,130,000 $990,000 -12.4% 0.1%
AMERITRUST MORTGAGE CORPORATION $975,000 n/a 0.1%
ONY GLO, INC. $515,000 $975,000 89.3% 0.1%
ZILLOW HOME LOANS, LLC $975,000 n/a 0.1%
Discover Bank $800,000 $955,000 19.4% 0.1%
BETTER MORTGAGE CORPORATION $4,505,000 $950,000 -78.9% 0.1%
Firefighters First Federal Credit Union $2,360,000 $935,000 -60.4% 0.1%
MID AMERICA MORTGAGE, INC. $1,530,000 $935,000 -38.9% 0.1%
ACADEMY MORTGAGE CORPORATION $2,890,000 $930,000 -67.8% 0.1%
LONGBRIDGE FINANCIAL, LLC $3,380,000 $925,000 -72.6% 0.1%
PACIFIC SERVICE $2,150,000 $925,000 -57.0% 0.1%
FREEDOM MORTGAGE CORPORATION $5,725,000 $900,000 -84.3% 0.1%
American Mortgage & Equity Consultants, Inc. $890,000 n/a 0.1%
Bank of the West $15,445,000 $855,000 -94.5% 0.1%
Coastal Community Bank $830,000 n/a 0.1%
Ameris Bank $1,100,000 $820,000 -25.5% 0.1%
LOGIX FEDERAL CREDIT UNION $860,000 $820,000 -4.7% 0.1%
SPRING EQ, LLC $5,925,000 $805,000 -86.4% 0.1%
Stifel Bank and Trust $10,015,000 $800,000 -92.0% 0.1%
CBC Federal Credit Union $795,000 n/a 0.1%
San Mateo Credit Union $530,000 $795,000 50.0% 0.1%
BECKAM FUNDING CORP. $445,000 $790,000 77.5% 0.1%
First Bank $2,420,000 $780,000 -67.8% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,555,000 $775,000 -50.2% 0.1%
BAY EQUITY LLC $3,590,000 $770,000 -78.6% 0.1%
Citizens National Bank of Texas $2,875,000 $755,000 -73.7% 0.1%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $755,000 n/a 0.1%
KBHS HOME LOANS, LLC $735,000 n/a 0.1%
SACRAMENTO Credit Union $45,000 $735,000 1,533.3% 0.1%
Comerica Bank $2,525,000 $725,000 -71.3% 0.1%
MICHIGAN MUTUAL, INC. $725,000 n/a 0.1%
MORTGAGE EQUITY PARTNERS LLC $725,000 n/a 0.1%
Waterstone Mortgage Corporation $725,000 n/a 0.1%
SAFE CREDIT UNION $10,020,000 $720,000 -92.8% 0.1%
Golden Empire Mortgage, Inc. $1,925,000 $715,000 -62.9% 0.1%
LAND HOME FINANCIAL SERVICES, INC. $1,910,000 $705,000 -63.1% 0.1%
Prosperity Home Mortgage, LLC $845,000 $680,000 -19.5% 0.1%
First Savings Bank $1,660,000 $675,000 -59.3% 0.1%
NATIONS DIRECT MORTGAGE, LLC $2,745,000 $675,000 -75.4% 0.1%
CARDINAL FINANCIAL $20,120,000 $650,000 -96.8% 0.1%
ALL REVERSE MORTGAGE, INC. $235,000 $640,000 172.3% 0.1%
Ally Bank $1,945,000 $640,000 -67.1% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $635,000 n/a 0.1%
Citadel Servicing Corporation $3,505,000 $630,000 -82.0% 0.1%
AmRes Corporation $585,000 n/a 0.1%
LOANPAL, LLC $1,870,000 $570,000 -69.5% 0.1%
MID-VALLEY SERVICES, INC. $565,000 n/a 0.1%
Merchants Mortgage & Trust Corporation $1,780,000 $560,000 -68.5% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $720,000 $545,000 -24.3% 0.1%
LBS FINANCIAL $525,000 n/a 0.1%
NATIONWIDE EQUITIES CORPORATION $525,000 n/a 0.1%
San Joaquin Power Employees Credit Union $525,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $505,000 n/a 0.1%
Northwest Farm Credit Services, FLCA $1,085,000 $505,000 -53.5% 0.1%
Academy Bank $575,000 $465,000 -19.1% 0.1%
BAY $600,000 $445,000 -25.8% 0.1%
Nations Lending Corporation $1,305,000 $445,000 -65.9% 0.1%
Watermark Capital, Inc. $1,410,000 $445,000 -68.4% 0.1%
21ST MORTGAGE CORPORATION $855,000 $440,000 -48.5% 0.1%
FUNDLOANS CAPITAL $990,000 $415,000 -58.1% 0.1%
Fremont Bank $6,090,000 $410,000 -93.3% 0.1%
5TH STREET CAPITAL, INC. $355,000 $405,000 14.1% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $400,000 $405,000 1.3% 0.1%
CANOPY MORTGAGE, LLC $1,255,000 $405,000 -67.7% 0.1%
LOANLEADERS OF AMERICA, INC. $395,000 n/a 0.1%
MORIA DEVELOPMENT, INC. $395,000 n/a 0.1%
Franklin Loan Corporation $690,000 $375,000 -45.7% 0.0%
California Coast Credit Union $350,000 n/a 0.0%
GREAT LAKES $670,000 $350,000 -47.8% 0.0%
Performance Financial, Inc. $345,000 n/a 0.0%
STANFORD Federal Credit Union $1,070,000 $345,000 -67.8% 0.0%
TJC Mortgage, Inc. $515,000 $345,000 -33.0% 0.0%
ARC HOME LLC $490,000 $335,000 -31.6% 0.0%
BAY-VALLEY MORTGAGE GROUP $335,000 n/a 0.0%
HOME APPROVALS DIRECT, INC. $335,000 n/a 0.0%
PLANET HOME LENDING, LLC $3,705,000 $335,000 -91.0% 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $345,000 $325,000 -5.8% 0.0%
HomeTrust Bank $805,000 $320,000 -60.2% 0.0%
DEEPHAVEN MORTGAGE LLC $305,000 n/a 0.0%
Equity Prime Mortgage LLC $2,420,000 $305,000 -87.4% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $1,255,000 $305,000 -75.7% 0.0%
CENTRAL COAST LENDING, INC. $670,000 $295,000 -56.0% 0.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,570,000 $285,000 -88.9% 0.0%
NEW DAY FINANCIAL, LLC $1,450,000 $275,000 -81.0% 0.0%
GEORGIA'S OWN $645,000 $260,000 -59.7% 0.0%
VAL-CHRIS INVESTMENTS, INC. $260,000 n/a 0.0%
TECHNOLOGY $3,150,000 $255,000 -91.9% 0.0%
SAN FRANCISCO FIRE CREDIT UNION $3,840,000 $250,000 -93.5% 0.0%
GENEVA FINANCIAL, LLC $4,550,000 $245,000 -94.6% 0.0%
GTE Federal Credit Union $210,000 n/a 0.0%
GMFS LLC $205,000 n/a 0.0%
SANTA CLARA COUNTY $215,000 $205,000 -4.7% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $1,710,000 $185,000 -89.2% 0.0%
AXIA FINANCIAL, LLC $445,000 $175,000 -60.7% 0.0%
PREMIER LENDING, INC. $175,000 n/a 0.0%
Axos Bank $1,775,000 $165,000 -90.7% 0.0%
General Mortgage Capital Corporation $1,000,000 $155,000 -84.5% 0.0%
OCMBC, INC. $2,070,000 $155,000 -92.5% 0.0%
Signature Federal Credit Union $155,000 n/a 0.0%
1ST UNITED SERVICES CREDIT UNION $55,000 $125,000 127.3% 0.0%
KINECTA $9,170,000 $125,000 -98.6% 0.0%
LOS ANGELES POLICE Federal Credit Union $125,000 n/a 0.0%
NORTHROP GRUMMAN Federal Credit Union $125,000 n/a 0.0%
INFINITY EQUITY GROUP, INC. $305,000 $105,000 -65.6% 0.0%
CIS Financial Services, Inc. $215,000 $95,000 -55.8% 0.0%
SEA WEST COAST GUARD FEDERAL CREDIT UNION $1,285,000 $95,000 -92.6% 0.0%
Murphy Bank $230,000 $65,000 -71.7% 0.0%
Lakeview Community Capital, LLC $525,000 $55,000 -89.5% 0.0%
THE FIRST FINANCIAL Federal Credit Union $265,000 $55,000 -79.2% 0.0%
United States Senate Federal Credit Union $55,000 n/a 0.0%
MACKILLIE INCORPORATED $35,000 n/a 0.0%

Truckee - Grass Valley's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 15.2% market share. In second place, with 5.6%, is QUICKEN LOANS, LLC, having originated $43,865,000 in loans. In third place, with 4.2%, is JPMorgan Chase Bank, having originated $32,870,000 in loans. In fourth place, with 3.9%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $30,500,000 in loans. In fifth place, with 3.2%, is U.S. Bank, having originated $24,765,000 in loans.


Truckee - Grass Valley Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Truckee - Grass Valley (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 $489,750 (3.8%) $626,862 (-1.0%) 0.00 458
2018-02-01 $489,375 (-0.3%) $627,092 (-2.2%) 0.00 453
2018-03-01 $465,375 (-6.7%) $609,844 (-6.0%) 0.00 473
2018-04-01 $479,000 (-3.8%) $596,075 (-7.4%) 0.00 541
2018-05-01 $489,025 (-2.1%) $599,025 (-8.4%) 0.00 646
2018-06-01 $497,000 (-5.7%) $596,448 (-11.6%) 0.00 725
2018-07-01 $481,750 (-8.2%) $599,549 (-11.8%) 0.00 783
2018-08-01 $474,975 (-6.8%) $599,024 (-8.1%) 0.00 832
2018-09-01 $475,000 (-5.0%) $602,215 (-6.5%) 0.00 838
2018-10-01 $466,000 (-5.3%) $598,601 (-6.5%) 0.00 806
2018-11-01 $471,975 (-3.7%) $589,497 (-7.1%) 0.00 751
2018-12-01 $455,000 (-4.9%) $577,751 (-7.1%) 0.00 708
2019-01-01 $434,475 (-11.3%) $549,466 (-12.4%) 0.00 618
2019-02-01 $438,220 (-10.5%) $557,492 (-11.1%) 0.00 589
2019-03-01 $453,893 (-2.5%) $563,254 (-7.6%) 0.00 585
2019-04-01 $466,875 (-2.5%) $570,478 (-4.3%) 0.00 618
2019-05-01 $497,000 (1.6%) $612,472 (2.2%) 0.00 767
2019-06-01 $499,975 (0.6%) $621,386 (4.2%) 0.00 860
2019-07-01 $500,000 (3.8%) $617,827 (3.1%) 0.00 949
2019-08-01 $500,000 (5.3%) $614,316 (2.6%) 0.00 960
2019-09-01 $500,000 (5.3%) $606,286 (0.7%) 0.00 925
2019-10-01 $500,000 (7.3%) $600,644 (0.3%) 0.00 876
2019-11-01 $499,000 (5.7%) $585,032 (-0.8%) 0.00 747
2019-12-01 $480,000 (5.5%) $571,831 (-1.0%) 0.00 646
2020-01-01 $480,000 (10.5%) $578,526 (5.3%) 0.00 578
2020-02-01 $489,500 (11.7%) $592,232 (6.2%) 0.00 549
2020-03-01 $499,500 (10.1%) $600,319 (6.6%) 0.00 595
2020-04-01 $507,500 (8.7%) $600,587 (5.3%) 0.00 564
2020-05-01 $535,000 (7.7%) $643,479 (5.1%) 0.00 616
2020-06-01 $549,000 (9.8%) $659,931 (6.2%) 0.00 560
2020-07-01 $550,750 (10.2%) $669,883 (8.4%) 0.00 481
2020-08-01 $575,000 (15.0%) $697,478 (13.5%) 0.00 409
2020-09-01 $575,000 (15.0%) $722,408 (19.2%) 0.00 433
2020-10-01 $572,400 (14.5%) $743,546 (23.8%) 0.00 446
2020-11-01 $574,950 (15.2%) $731,971 (25.1%) 0.00 389
2020-12-01 $559,500 (16.6%) $705,909 (23.5%) 0.00 348
2021-01-01 $565,000 (17.7%) $719,827 (24.4%) 0.00 285
2021-02-01 $544,032 (11.1%) $669,052 (13.0%) 0.00 264
2021-03-01 $546,225 (9.4%) $644,658 (7.4%) 0.00 250
2021-04-01 $549,685 (8.3%) $643,821 (7.2%) 0.00 294
2021-05-01 $565,000 (5.6%) $659,317 (2.5%) 0.00 328
2021-06-01 $614,250 (11.9%) $707,805 (7.3%) 0.00 323
2021-07-01 $639,000 (16.0%) $755,983 (12.9%) 0.00 348
2021-08-01 $606,000 (5.4%) $737,752 (5.8%) 0.00 356
2021-09-01 $593,972 (3.3%) $743,805 (3.0%) 0.00 382
2021-10-01 $599,900 (4.8%) $752,752 (1.2%) 0.00 431
2021-11-01 $599,450 (4.3%) $739,870 (1.1%) 0.00 385
2021-12-01 $599,225 (7.1%) $723,304 (2.5%) 0.00 299
2022-01-01 $599,450 (6.1%) $713,333 (-0.9%) 0.00 227
2022-02-01 $626,000 (15.1%) $764,232 (14.2%) 0.00 245
2022-03-01 $645,750 (18.2%) $772,809 (19.9%) 0.00 279
2022-04-01 $677,000 (23.2%) $809,662 (25.8%) 0.00 353
2022-05-01 $658,450 (16.5%) $818,142 (24.1%) 0.00 486
2022-06-01 $674,500 (9.8%) $837,341 (18.3%) 0.00 566
2022-07-01 $669,000 (4.7%) $866,878 (14.7%) 0.00 617
2022-08-01 $699,000 (15.4%) $892,178 (20.9%) 0.00 578
2022-09-01 $695,000 (17.0%) $882,732 (18.7%) 0.00 560
2022-10-01 $660,000 (10.0%) $852,543 (13.3%) 0.00 529
2022-11-01 $629,225 (5.0%) $851,912 (15.1%) 0.00 467
2022-12-01 $622,450 (3.9%) $859,638 (18.9%) 0.00 378
2023-01-01 $659,000 (9.9%) $911,341 (27.8%) 0.00 298
2023-02-01 $700,000 (11.8%) $951,257 (24.5%) 0.00 266
2023-03-01 $684,361 (6.0%) $948,487 (22.7%) 0.00 248
2023-04-01 $725,000 (7.1%) $1,008,157 (24.5%) 0.00 263
2023-05-01 $729,250 (10.8%) $987,023 (20.6%) 0.00 347
2023-06-01 $749,225 (11.1%) $980,162 (17.1%) 0.00 439
2023-07-01 $749,000 (12.0%) $979,448 (13.0%) 0.00 486
2023-08-01 $748,250 (7.1%) $979,782 (9.8%) 0.00 488
2023-09-01 $739,000 (6.3%) $961,968 (9.0%) 0.00 475
2023-10-01 $700,000 (6.1%) $948,042 (11.2%) 0.00 457
2023-11-01 $674,975 (7.3%) $907,841 (6.6%) 0.00 430
2023-12-01 $668,000 (7.3%) $916,911 (6.7%) 0.00 370
2024-01-01 $649,925 (-1.4%) $908,392 (-0.3%) 0.00 310
2024-02-01 $662,500 (-5.4%) $911,900 (-4.1%) 0.00 290
2024-03-01 $659,000 (-3.7%) $938,165 (-1.1%) 0.00 280
2024-04-01 $669,900 (-7.6%) $921,881 (-8.6%) 0.00 335
2024-05-01 $699,500 (-4.1%) $924,486 (-6.3%) 0.00 433
2024-06-01 $699,000 (-6.7%) $940,596 (-4.0%) 0.00 517
2024-07-01 $699,000 (-6.7%) $952,973 (-2.7%) 0.00 561
2024-08-01 $689,000 (-7.9%) $935,843 (-4.5%) 0.00 612
2024-09-01 $671,200 (-9.2%) $928,945 (-3.4%) 0.00 621
Truckee - Grass Valley's median listing price for 2024-09-01 was $671,200, a difference of $-67,800 (-9.2%) versus the prior year and $-17,800 versus the prior month.

Truckee - Grass Valley's median listing price comes in at 0% of the national average.

Truckee - Grass Valley's average listing price for 2024-09-01 was $928,945, a difference of $-33,023 (-3.4%) versus the prior year and $-6,898 versus the prior month.

For the 2024-09-01 period, Truckee - Grass Valley had 621 MLS listings, a difference of 9 listings (1%) versus the prior month and 146 listings (31%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Truckee - Grass Valley (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,228 sqft
2018-02-01 0 days 2,254 sqft
2018-03-01 0 days 2,283 sqft
2018-04-01 0 days 2,212 sqft
2018-05-01 0 days 2,182 sqft
2018-06-01 0 days 2,171 sqft
2018-07-01 0 days 2,145 sqft
2018-08-01 0 days 2,104 sqft
2018-09-01 0 days 2,116 sqft
2018-10-01 0 days 2,157 sqft
2018-11-01 0 days 2,150 sqft
2018-12-01 0 days 2,165 sqft
2019-01-01 0 days 2,148 sqft
2019-02-01 0 days 2,139 sqft
2019-03-01 0 days 2,202 sqft
2019-04-01 0 days 2,240 sqft
2019-05-01 0 days 2,262 sqft
2019-06-01 0 days 2,206 sqft
2019-07-01 0 days 2,182 sqft
2019-08-01 0 days 2,208 sqft
2019-09-01 0 days 2,220 sqft
2019-10-01 0 days 2,234 sqft
2019-11-01 0 days 2,257 sqft
2019-12-01 0 days 2,254 sqft
2020-01-01 0 days 2,252 sqft
2020-02-01 0 days 2,293 sqft
2020-03-01 0 days 2,229 sqft
2020-04-01 0 days 2,243 sqft
2020-05-01 0 days 2,234 sqft
2020-06-01 0 days 2,332 sqft
2020-07-01 0 days 2,242 sqft
2020-08-01 0 days 2,200 sqft
2020-09-01 0 days 2,210 sqft
2020-10-01 0 days 2,155 sqft
2020-11-01 0 days 2,138 sqft
2020-12-01 0 days 2,127 sqft
2021-01-01 0 days 2,080 sqft
2021-02-01 0 days 2,050 sqft
2021-03-01 0 days 1,997 sqft
2021-04-01 0 days 1,963 sqft
2021-05-01 0 days 1,918 sqft
2021-06-01 0 days 1,938 sqft
2021-07-01 0 days 2,000 sqft
2021-08-01 0 days 1,953 sqft
2021-09-01 0 days 1,928 sqft
2021-10-01 0 days 1,950 sqft
2021-11-01 0 days 1,984 sqft
2021-12-01 0 days 1,923 sqft
2022-01-01 0 days 1,872 sqft
2022-02-01 0 days 1,877 sqft
2022-03-01 0 days 1,906 sqft
2022-04-01 0 days 1,923 sqft
2022-05-01 0 days 1,971 sqft
2022-06-01 0 days 1,996 sqft
2022-07-01 0 days 1,982 sqft
2022-08-01 0 days 1,936 sqft
2022-09-01 0 days 1,981 sqft
2022-10-01 0 days 2,008 sqft
2022-11-01 0 days 2,005 sqft
2022-12-01 0 days 2,009 sqft
2023-01-01 0 days 2,135 sqft
2023-02-01 0 days 2,222 sqft
2023-03-01 0 days 2,213 sqft
2023-04-01 0 days 2,400 sqft
2023-05-01 0 days 2,239 sqft
2023-06-01 0 days 2,323 sqft
2023-07-01 0 days 2,256 sqft
2023-08-01 0 days 2,236 sqft
2023-09-01 0 days 2,205 sqft
2023-10-01 0 days 2,173 sqft
2023-11-01 0 days 2,140 sqft
2023-12-01 0 days 2,197 sqft
2024-01-01 0 days 2,118 sqft
2024-02-01 0 days 2,252 sqft
2024-03-01 0 days 2,276 sqft
2024-04-01 0 days 2,138 sqft
2024-05-01 0 days 2,109 sqft
2024-06-01 0 days 2,117 sqft
2024-07-01 0 days 2,134 sqft
2024-08-01 0 days 2,091 sqft
2024-09-01 0 days 2,118 sqft
Truckee - Grass Valley's median listing age (time on market) for 2024-09-01 was 0 days.

Truckee - Grass Valley's median square footage for active listings during the 2024-09-01 period was 2,118 sqft. One year prior, the average listing was 2,205 sqft.

Truckee-Grass Valley, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,127 $565,975,000 $502,196
Cash Out Refi 210 $62,760,000 $298,857
Home Improvement 185 $24,385,000 $131,811
Other 176 $53,010,000 $301,193
Refi 141 $74,115,000 $525,638

Truckee - Grass Valley's most frequently cited loan purpose was Home Purchase, with 1,127 originations. The 2nd most popular reason was Cash Out Refi, with 210 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 621 $309,035,000 $497,641
7-8% 516 $213,710,000 $414,167
Over 8% 372 $80,650,000 $216,801
5-6% 259 $141,205,000 $545,193
4-5% 26 $20,760,000 $798,462
<2.5% 11 $4,195,000 $381,364
3-4% 5 $2,765,000 $553,000
2.5-3% 2 $1,270,000 $635,000

During 2023, Truckee - Grass Valley's most frequently originated rate bucket was 6-7%, with 621 originations.

Loan Sizing (Truckee-Grass Valley, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 546 $167,360,000 $306,520
$400k-600k 452 $218,910,000 $484,314
$100k-200k 271 $36,455,000 $134,520
$600k-1000k 266 $191,470,000 $719,812
$100,000 or less 216 $12,170,000 $56,343
$Over $1MM 88 $153,880,000 $1,748,636

Truckee - Grass Valley's loan sizing saw the bucket of loans from $200k-400k with 546 originations, totaling $167,360,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 484 $289,340,000 $597,810
80-100% 470 $241,500,000 $513,830
Under 20% 339 $31,715,000 $93,555
40-60% 264 $141,500,000 $535,985
20-40% 243 $61,945,000 $254,918
Over 100% 6 $5,830,000 $971,667

Truckee - Grass Valley's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 484 originations, totaling $289,340,000 in origination value.