Truckee - Grass Valley Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Truckee - Grass Valley averaged
6.99%
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
7.12% and
one month ago for the week of 2025-05-15, the
average rate was 7.19%.
Truckee - Grass Valley's average rate one year ago was 7.33%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.58%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Truckee - Grass Valley 30 Year Fixed Rate | 2025-06-18 | 6.99% |
| Truckee - Grass Valley 30 Year Fixed Rate Refi | 2025-06-18 | 6.58% |
| Truckee - Grass Valley 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Truckee - Grass Valley 15 Year Fixed Rate Refi | 2025-06-18 | 6.06% |
| Truckee - Grass Valley 30 Year FHA | 2025-06-18 | -0.28% |
| Truckee - Grass Valley 30 Year FHA Refi | 2025-06-18 | 0.2% |
| Truckee - Grass Valley 30 Year USDA | 2025-06-18 | 0.2% |
| Truckee - Grass Valley 30 Year USDA Refi | 2025-06-18 | 0% |
| Truckee - Grass Valley 30 Year VA | 2025-06-18 | 0% |
| Truckee - Grass Valley 30 Year VA Refi | 2025-06-18 | -0.1% |
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.).
Truckee - Grass Valley Average Closing Costs & Other Stats
Truckee-Grass Valley, CA's 141 lenders originated 2,084
loans during 2024. The total origination value was $858,010,000, with an average loan value of
$411,713.
Truckee - Grass Valley's average closing costs are $5,763.
The top Truckee - Grass Valley lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
229 loans originated. Their average total fees are
$8,393, which is $1,218
higher 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 ($3,629), Morgan Stanley Private Bank ($4,273), GUARANTEED RATE, INC. ($5,094), AMERICAN PACIFIC MORTGAGE CORPORATION ($5,791) and Flagstar Bank, FSB ($5,894).
The lowest rate Truckee - Grass Valley lenders (with over 10 loans originated) are
Charles Schwab Bank, SSB (6.09%), Morgan Stanley Private Bank (6.10%), Bank of America (6.24%), Wells Fargo Bank (6.41%) and U.S. Bank (6.65%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $118,525,000 | $141,480,000 | 19.4% | 16.5% |
| QUICKEN LOANS, LLC | $43,865,000 | $52,770,000 | 20.3% | 6.2% |
| The Loan Store, Inc. | $6,230,000 | $41,010,000 | 558.3% | 4.8% |
| GUILD MORTGAGE COMPANY | $24,470,000 | $29,520,000 | 20.6% | 3.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $30,500,000 | $24,850,000 | -18.5% | 2.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $22,370,000 | $23,870,000 | 6.7% | 2.8% |
| MOVEMENT MORTGAGE, LLC | $21,915,000 | $23,445,000 | 7.0% | 2.7% |
| Flagstar Bank, FSB | $14,945,000 | $22,995,000 | 53.9% | 2.7% |
| Wells Fargo Bank | $18,925,000 | $21,000,000 | 11.0% | 2.4% |
| ALAMEDA MORTGAGE CORPORATION | $13,900,000 | $20,105,000 | 44.6% | 2.3% |
| U.S. Bank | $24,765,000 | $18,955,000 | -23.5% | 2.2% |
| Bank of America | $22,745,000 | $16,845,000 | -25.9% | 2.0% |
| Morgan Stanley Private Bank | $11,365,000 | $16,145,000 | 42.1% | 1.9% |
| Century Mortgage Company DBA Century Lending Company | $5,590,000 | $11,220,000 | 100.7% | 1.3% |
| Charles Schwab Bank, SSB | $7,430,000 | $10,985,000 | 47.8% | 1.3% |
| BMO Harris Bank | $10,945,000 | $10,155,000 | -7.2% | 1.2% |
| Sierra Pacific Mortgage Company, Inc. | $2,865,000 | $10,140,000 | 253.9% | 1.2% |
| S1L, Inc. | $12,255,000 | $9,790,000 | -20.1% | 1.1% |
| Tri Counties Bank | $10,925,000 | $9,710,000 | -11.1% | 1.1% |
| GUARANTEED RATE, INC. | $7,755,000 | $9,640,000 | 24.3% | 1.1% |
| CMG MORTGAGE, INC. | $3,275,000 | $8,775,000 | 167.9% | 1.0% |
| BROKER SOLUTIONS, INC. | $2,100,000 | $7,965,000 | 279.3% | 0.9% |
| LOANDEPOT.COM, LLC | $8,570,000 | $7,910,000 | -7.7% | 0.9% |
| Citibank | $8,550,000 | $7,850,000 | -8.2% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $9,110,000 | $7,845,000 | -13.9% | 0.9% |
| LENDSURE MORTGAGE CORP. | $1,690,000 | $7,290,000 | 331.4% | 0.8% |
| PLAZA HOME MORTGAGE, INC. | $3,115,000 | $6,980,000 | 124.1% | 0.8% |
| Mortgage Research Center, LLC | $5,355,000 | $6,945,000 | 29.7% | 0.8% |
| NEWREZ LLC | $3,650,000 | $6,895,000 | 88.9% | 0.8% |
| GUARANTEED RATE AFFINITY, LLC | $2,230,000 | $6,440,000 | 188.8% | 0.8% |
| JPMorgan Chase Bank | $32,870,000 | $6,365,000 | -80.6% | 0.7% |
| THE GOLDEN 1 | $9,655,000 | $5,365,000 | -44.4% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,130,000 | $5,185,000 | 65.7% | 0.6% |
| OCMBC, INC. | $155,000 | $4,800,000 | 2,996.8% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $2,785,000 | $4,075,000 | 46.3% | 0.5% |
| Firefighters First Federal Credit Union | $935,000 | $3,940,000 | 321.4% | 0.5% |
| UBS Bank USA | $1,980,000 | $3,895,000 | 96.7% | 0.5% |
| Stifel Bank and Trust | $800,000 | $3,665,000 | 358.1% | 0.4% |
| Sierra Central Credit Union | $1,260,000 | $3,615,000 | 186.9% | 0.4% |
| PNC Bank | $5,045,000 | $3,485,000 | -30.9% | 0.4% |
| Commerce Home Mortgage, Inc. | $6,645,000 | $3,405,000 | -48.8% | 0.4% |
| TRAVIS CREDIT UNION | $1,720,000 | $3,175,000 | 84.6% | 0.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $5,255,000 | $3,085,000 | -41.3% | 0.4% |
| ZILLOW HOME LOANS, LLC | $975,000 | $2,995,000 | 207.2% | 0.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $2,885,000 | $2,980,000 | 3.3% | 0.3% |
| NEXERA HOLDING LLC | $1,145,000 | $2,755,000 | 140.6% | 0.3% |
| HOMEXPRESS MORTGAGE CORP. | $2,485,000 | $2,735,000 | 10.1% | 0.3% |
| LENDINGHOME FUNDING CORPORATION | $1,725,000 | $2,675,000 | 55.1% | 0.3% |
| Northpointe Bank | $3,835,000 | $2,660,000 | -30.6% | 0.3% |
| Fremont Bank | $410,000 | $2,645,000 | 545.1% | 0.3% |
| USAA Federal Savings Bank | $1,115,000 | $2,630,000 | 135.9% | 0.3% |
| FIRST U.S. COMMUNITY CREDIT UNION | $3,170,000 | $2,500,000 | -21.1% | 0.3% |
| Merchants Mortgage & Trust Corporation | $560,000 | $2,465,000 | 340.2% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $2,445,000 | $2,385,000 | -2.5% | 0.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $775,000 | $2,320,000 | 199.4% | 0.3% |
| Figure Lending LLC | $1,430,000 | $2,270,000 | 58.7% | 0.3% |
| SCENIC OAKS FUNDING, INC. | $2,225,000 | n/a | 0.3% | |
| Citadel Servicing Corporation | $630,000 | $2,210,000 | 250.8% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,575,000 | $2,210,000 | 40.3% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,210,000 | $2,195,000 | -0.7% | 0.3% |
| REDWOOD | $1,640,000 | $2,110,000 | 28.7% | 0.2% |
| BNY Mellon | $1,910,000 | $2,070,000 | 8.4% | 0.2% |
| EVERETT FINANCIAL, INC. | $1,570,000 | $2,015,000 | 28.3% | 0.2% |
| Third Federal Savings and Loan Association of Cleveland | $990,000 | $1,970,000 | 99.0% | 0.2% |
| LONGBRIDGE FINANCIAL, LLC | $925,000 | $1,945,000 | 110.3% | 0.2% |
| NexBank | $1,060,000 | $1,905,000 | 79.7% | 0.2% |
| AMWEST FUNDING CORP. | $2,275,000 | $1,900,000 | -16.5% | 0.2% |
| Home Mortgage Alliance Corp | $1,900,000 | n/a | 0.2% | |
| ALLIANT CREDIT UNION | $2,175,000 | $1,870,000 | -14.0% | 0.2% |
| Banner Bank | $3,505,000 | $1,740,000 | -50.4% | 0.2% |
| GMFS LLC | $205,000 | $1,690,000 | 724.4% | 0.2% |
| Provident Credit Union | $2,755,000 | $1,620,000 | -41.2% | 0.2% |
| Cornerstone First Mortgage, Inc | $1,615,000 | n/a | 0.2% | |
| Franklin Loan Corporation | $375,000 | $1,610,000 | 329.3% | 0.2% |
| PHH Mortgage Corporation | $1,465,000 | $1,595,000 | 8.9% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,460,000 | $1,580,000 | 8.2% | 0.2% |
| First-Citizens Bank & Trust Company | $4,685,000 | $1,565,000 | -66.6% | 0.2% |
| NATIONS DIRECT MORTGAGE, LLC | $675,000 | $1,565,000 | 131.9% | 0.2% |
| UNITED | $1,525,000 | n/a | 0.2% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,510,000 | n/a | 0.2% | |
| FINANCE OF AMERICA REVERSE LLC | $5,125,000 | $1,485,000 | -71.0% | 0.2% |
| Goldman Sachs Bank USA | $2,760,000 | $1,485,000 | -46.2% | 0.2% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $1,455,000 | n/a | 0.2% | |
| Ally Bank | $640,000 | $1,395,000 | 118.0% | 0.2% |
| Merchants Bank of Indiana | $1,005,000 | $1,345,000 | 33.8% | 0.2% |
| The Federal Savings Bank | $1,215,000 | $1,345,000 | 10.7% | 0.2% |
| AmeriHome Mortgage Company, LLC | $2,400,000 | $1,335,000 | -44.4% | 0.2% |
| SUMMIT FUNDING, INC. | $2,860,000 | $1,320,000 | -53.8% | 0.2% |
| CANOPY MORTGAGE, LLC | $405,000 | $1,305,000 | 222.2% | 0.2% |
| FAY SERVICING, LLC | $1,305,000 | n/a | 0.2% | |
| FIRST COLONY MORTGAGE CORPORATION | $1,305,000 | n/a | 0.2% | |
| Performance Financial, Inc. | $345,000 | $1,285,000 | 272.5% | 0.1% |
| Prosperity Home Mortgage, LLC | $680,000 | $1,275,000 | 87.5% | 0.1% |
| Zions Bank | $3,630,000 | $1,245,000 | -65.7% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,675,000 | $1,240,000 | -26.0% | 0.1% |
| FREEDOM MORTGAGE CORPORATION | $900,000 | $1,190,000 | 32.2% | 0.1% |
| HighTechLending Inc | $1,300,000 | $1,175,000 | -9.6% | 0.1% |
| Umpqua Bank | $2,215,000 | $1,175,000 | -47.0% | 0.1% |
| FIRST TECHNOLOGY | $1,240,000 | $1,170,000 | -5.6% | 0.1% |
| SPRING EQ, LLC | $805,000 | $1,160,000 | 44.1% | 0.1% |
| UNION HOME MORTGAGE CORP. | $1,155,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $1,610,000 | $1,135,000 | -29.5% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $305,000 | $1,130,000 | 270.5% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,115,000 | n/a | 0.1% | |
| NBKC BANK | $1,040,000 | $1,080,000 | 3.8% | 0.1% |
| Old Plank Trail Community Bank | $1,075,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $505,000 | $1,070,000 | 111.9% | 0.1% |
| INFINITY EQUITY GROUP, INC. | $105,000 | $1,065,000 | 914.3% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $1,245,000 | $1,055,000 | -15.3% | 0.1% |
| BAY EQUITY LLC | $770,000 | $1,050,000 | 36.4% | 0.1% |
| PROPER RATE, LLC | $1,025,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $1,000,000 | n/a | 0.1% | |
| Discover Bank | $955,000 | $970,000 | 1.6% | 0.1% |
| Florida Capital Bank | $955,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $890,000 | $920,000 | 3.4% | 0.1% |
| Carrington Mortgage Services, LLC | $3,215,000 | $905,000 | -71.9% | 0.1% |
| Equity Prime Mortgage LLC | $305,000 | $905,000 | 196.7% | 0.1% |
| SCHOOLSFIRST | $1,710,000 | $870,000 | -49.1% | 0.1% |
| Home Loan Investment Bank, F.S.B. | $865,000 | n/a | 0.1% | |
| El Dorado Savings Bank, F.S.B. | $860,000 | n/a | 0.1% | |
| FUNDLOANS CAPITAL | $415,000 | $850,000 | 104.8% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $840,000 | n/a | 0.1% | |
| Ameris Bank | $820,000 | $810,000 | -1.2% | 0.1% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $1,730,000 | $810,000 | -53.2% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $705,000 | $790,000 | 12.1% | 0.1% |
| Truist | $1,225,000 | $790,000 | -35.5% | 0.1% |
| MORTGAGE EQUITY PARTNERS LLC | $725,000 | $770,000 | 6.2% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $765,000 | n/a | 0.1% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $765,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $935,000 | $765,000 | -18.2% | 0.1% |
| Toyota Financial Savings Bank | $765,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $650,000 | $755,000 | 16.2% | 0.1% |
| MORTGAGEONE, INC. | $755,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $440,000 | $745,000 | 69.3% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $725,000 | n/a | 0.1% | |
| Coastal Community Bank | $830,000 | $725,000 | -12.7% | 0.1% |
| First Savings Bank | $675,000 | $705,000 | 4.4% | 0.1% |
| ONY GLO, INC. | $975,000 | $705,000 | -27.7% | 0.1% |
| GEORGIA'S OWN | $260,000 | $700,000 | 169.2% | 0.1% |
| GTE Federal Credit Union | $210,000 | $680,000 | 223.8% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $545,000 | $675,000 | 23.9% | 0.1% |
| PATELCO | $2,135,000 | $660,000 | -69.1% | 0.1% |
| The Northern Trust Company | $645,000 | n/a | 0.1% | |
| First Federal Bank | $625,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $1,350,000 | $625,000 | -53.7% | 0.1% |
| CLM MORTGAGE, INC | $615,000 | n/a | 0.1% | |
| River City Bank | $615,000 | n/a | 0.1% | |
| AMERICAN INTERNET MORTGAGE, INC. | $405,000 | $605,000 | 49.4% | 0.1% |
| CIBC Bank USA | $605,000 | n/a | 0.1% | |
| Citizens Bank | $1,930,000 | $605,000 | -68.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $600,000 | n/a | 0.1% | |
| GREENSTATE CREDIT UNION | $585,000 | n/a | 0.1% | |
| PACIFIC SERVICE | $925,000 | $535,000 | -42.2% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $2,210,000 | $525,000 | -76.2% | 0.1% |
| GENEVA FINANCIAL, LLC | $245,000 | $515,000 | 110.2% | 0.1% |
| NP, Inc. | $510,000 | n/a | 0.1% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $285,000 | $510,000 | 78.9% | 0.1% |
| ALL REVERSE MORTGAGE, INC. | $640,000 | $505,000 | -21.1% | 0.1% |
| Kaiperm Diablo Federal Credit Union | $495,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $485,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $1,275,000 | $480,000 | -62.4% | 0.1% |
| NEW DAY FINANCIAL, LLC | $275,000 | $465,000 | 69.1% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $455,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $950,000 | $450,000 | -52.6% | 0.1% |
| CHEVRON | $2,350,000 | $450,000 | -80.9% | 0.1% |
| DIGNIFIED HOME LOANS, LLC | $445,000 | n/a | 0.1% | |
| Bank-Fund Staff Federal Credit Union | $435,000 | n/a | 0.1% | |
| F&A Federal Credit Union | $435,000 | n/a | 0.1% | |
| JMAC LENDING, INC. | $1,270,000 | $435,000 | -65.7% | 0.1% |
| Regions Bank | $435,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $430,000 | n/a | 0.1% | |
| CORNERSTONE HOME LENDING, INC. | $425,000 | n/a | 0.0% | |
| KINECTA | $125,000 | $405,000 | 224.0% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $385,000 | n/a | 0.0% | |
| CITY-COUNTY CREDIT UNION | $375,000 | n/a | 0.0% | |
| First Bank | $780,000 | $375,000 | -51.9% | 0.0% |
| ARC HOME LLC | $335,000 | $365,000 | 9.0% | 0.0% |
| ON Q FINANCIAL, INC. | $365,000 | n/a | 0.0% | |
| VAL-CHRIS INVESTMENTS, INC. | $260,000 | $365,000 | 40.4% | 0.0% |
| SAFE CREDIT UNION | $720,000 | $350,000 | -51.4% | 0.0% |
| ADVANCIAL | $345,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $325,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $725,000 | $325,000 | -55.2% | 0.0% |
| LOANPAL, LLC | $570,000 | $320,000 | -43.9% | 0.0% |
| CenterBank | $315,000 | n/a | 0.0% | |
| CENTRAL COAST LENDING, INC. | $295,000 | $315,000 | 6.8% | 0.0% |
| SAN FRANCISCO FIRE CREDIT UNION | $250,000 | $315,000 | 26.0% | 0.0% |
| LOGIX FEDERAL CREDIT UNION | $820,000 | $310,000 | -62.2% | 0.0% |
| STAR ONE CREDIT UNION | $3,605,000 | $310,000 | -91.4% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $305,000 | n/a | 0.0% | |
| GOOGAIN, INC. | $1,380,000 | $305,000 | -77.9% | 0.0% |
| SNAPFI, INC. | $305,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $275,000 | n/a | 0.0% | |
| SOUTHWEST STAGE FUNDING, LLC | $275,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $265,000 | n/a | 0.0% | |
| Axos Bank | $165,000 | $235,000 | 42.4% | 0.0% |
| RESIDENTIAL BANCORP | $230,000 | n/a | 0.0% | |
| COASTAL FUNDING SLC, INC. | $225,000 | n/a | 0.0% | |
| First National Bank of America | $205,000 | n/a | 0.0% | |
| Vellum Mortgage, Inc. | $205,000 | n/a | 0.0% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,595,000 | $195,000 | -87.8% | 0.0% |
| Financial Partners Credit Union | $175,000 | n/a | 0.0% | |
| Golden Empire Mortgage, Inc. | $715,000 | $165,000 | -76.9% | 0.0% |
| San Mateo Credit Union | $795,000 | $165,000 | -79.2% | 0.0% |
| ROGUE | $155,000 | n/a | 0.0% | |
| TOWER | $155,000 | n/a | 0.0% | |
| Wallick & Volk, Inc. | $155,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $145,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $145,000 | n/a | 0.0% | |
| Exchange Bank | $135,000 | n/a | 0.0% | |
| LADERA LENDING, INC. | $135,000 | n/a | 0.0% | |
| FOUNDATION MORTGAGE CORPORATION | $115,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $115,000 | n/a | 0.0% | |
| VENTURA COUNTY | $105,000 | n/a | 0.0% | |
| TECHNOLOGY | $255,000 | $95,000 | -62.7% | 0.0% |
| THE FIRST FINANCIAL Federal Credit Union | $55,000 | $95,000 | 72.7% | 0.0% |
| Mission City Federal Credit Union | $85,000 | n/a | 0.0% | |
| HomeTrust Bank | $320,000 | $75,000 | -76.6% | 0.0% |
| Plains Commerce Bank | $75,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $75,000 | n/a | 0.0% | |
| AUGUSTA FINANCIAL, INC. | $55,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $185,000 | $55,000 | -70.3% | 0.0% |
| SALAL | $45,000 | n/a | 0.0% | |
| WESCOM CENTRAL CREDIT UNION | $35,000 | n/a | 0.0% | |
| 1ST UNITED SERVICES CREDIT UNION | $125,000 | $25,000 | -80.0% | 0.0% |
Truckee - Grass Valley's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 16.5% market share. In second place, with 6.2%, is QUICKEN LOANS, LLC, having originated $52,770,000 in loans. In third place, with 4.8%, is The Loan Store, Inc., having originated $41,010,000 in loans. In fourth place, with 3.4%, is GUILD MORTGAGE COMPANY, having originated $29,520,000 in loans. In fifth place, with 2.9%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $24,850,000 in loans.
Truckee-Grass Valley, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,167 | $613,115,000 | $525,377 |
| Cash Out Refi | 294 | $79,920,000 | $271,837 |
| Refi | 270 | $106,310,000 | $393,741 |
| Home Improvement | 184 | $25,490,000 | $138,533 |
| Other | 168 | $32,790,000 | $195,179 |
| NA | 1 | $385,000 | $385,000 |
Truckee - Grass Valley's most frequently cited loan purpose was Home Purchase, with 1,167 originations. The 2nd most popular reason was Cash Out Refi, with 294 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 889 | $429,815,000 | $483,481 |
| Over 8% | 499 | $89,795,000 | $179,950 |
| 7-8% | 431 | $192,765,000 | $447,251 |
| 5-6% | 217 | $118,625,000 | $546,659 |
| <2.5% | 15 | $1,055,000 | $70,333 |
| 4-5% | 6 | $2,930,000 | $488,333 |
| 3-4% | 5 | $1,735,000 | $347,000 |
| 2.5-3% | 4 | $2,230,000 | $557,500 |
During 2024, Truckee - Grass Valley's most frequently originated rate bucket was 6-7%, with 889 originations.
Loan Sizing (Truckee-Grass Valley, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 586 | $177,750,000 | $303,328 |
| $400k-600k | 531 | $258,125,000 | $486,111 |
| $100,000 or less | 295 | $17,155,000 | $58,153 |
| $600k-1000k | 294 | $214,410,000 | $729,286 |
| $100k-200k | 278 | $37,850,000 | $136,151 |
| $Over $1MM | 100 | $152,720,000 | $1,527,200 |
Truckee - Grass Valley's loan sizing saw the bucket of loans from $200k-400k with 586 originations, totaling $177,750,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 552 | $317,870,000 | $575,851 |
| 80-100% | 521 | $278,435,000 | $534,424 |
| Under 20% | 416 | $36,200,000 | $87,019 |
| 40-60% | 279 | $120,495,000 | $431,882 |
| 20-40% | 259 | $63,455,000 | $245,000 |
| Over 100% | 18 | $10,440,000 | $580,000 |
Truckee - Grass Valley's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 552 originations, totaling $317,870,000 in origination value.