Ukiah Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Ukiah averaged
7.14%
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
6.77% and
one month ago for the week of 2025-05-15, the
average rate was 6.84%.
Ukiah's average rate one year ago was 6.98%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.21%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Ukiah 30 Year Fixed Rate | 2025-06-18 | 7.14% |
| Ukiah 30 Year Fixed Rate Refi | 2025-06-18 | 7.21% |
| Ukiah 15 Year Fixed Rate | 2025-06-18 | 5.76% |
| Ukiah 15 Year Fixed Rate Refi | 2025-06-18 | 6.26% |
| Ukiah 30 Year FHA | 2025-06-18 | -0.47% |
| Ukiah 30 Year FHA Refi | 2025-06-18 | 0% |
| Ukiah 30 Year USDA | 2025-06-18 | -0.1% |
| Ukiah 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Ukiah 30 Year VA | 2025-06-18 | 0% |
| Ukiah 30 Year VA Refi | 2025-06-18 | -0.1% |
Ukiah 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 Ukiah, 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.).
Ukiah Average Closing Costs & Other Stats
Ukiah, CA's 76 lenders originated 811
loans during 2024. The total origination value was $286,635,000, with an average loan value of
$353,434.
Ukiah's average closing costs are $6,547.
The top Ukiah lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
55 loans originated. Their average total fees are
$11,982, which is $4,410
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Ukiah lenders (with over 10 loans originated) are
REDWOOD ($4,738), Century Mortgage Company DBA Century Lending Company ($7,304), QUICKEN LOANS, LLC ($7,571), LOANDEPOT.COM, LLC ($7,687) and CROSSCOUNTRY MORTGAGE, LLC ($8,811).
The lowest rate Ukiah lenders (with over 10 loans originated) are
LOANDEPOT.COM, LLC (6.56%), Umpqua Bank (6.65%), GUILD MORTGAGE COMPANY (6.69%), UNITED WHOLESALE MORTGAGE, LLC (6.74%) and REDWOOD (6.75%).
Ukiah, 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 | $28,725,000 | $45,710,000 | 59.1% | 15.9% |
| QUICKEN LOANS, LLC | $14,320,000 | $18,780,000 | 31.1% | 6.6% |
| EVERETT FINANCIAL, INC. | $11,570,000 | $17,325,000 | 49.7% | 6.0% |
| REDWOOD | $17,995,000 | $14,360,000 | -20.2% | 5.0% |
| GUILD MORTGAGE COMPANY | $2,915,000 | $10,290,000 | 253.0% | 3.6% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $5,810,000 | $8,895,000 | 53.1% | 3.1% |
| Century Mortgage Company DBA Century Lending Company | $6,265,000 | $8,385,000 | 33.8% | 2.9% |
| Umpqua Bank | $9,470,000 | $7,605,000 | -19.7% | 2.7% |
| U.S. Bank | $4,870,000 | $7,565,000 | 55.3% | 2.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $7,015,000 | $7,350,000 | 4.8% | 2.6% |
| The Loan Store, Inc. | $1,985,000 | $6,860,000 | 245.6% | 2.4% |
| LOANDEPOT.COM, LLC | $5,565,000 | $6,820,000 | 22.6% | 2.4% |
| PENNYMAC LOAN SERVICES, LLC | $5,225,000 | $6,615,000 | 26.6% | 2.3% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $5,475,000 | n/a | 1.9% | |
| Wells Fargo Bank | $2,065,000 | $5,355,000 | 159.3% | 1.9% |
| FREEDOM MORTGAGE CORPORATION | $3,870,000 | n/a | 1.4% | |
| Bank of America | $4,690,000 | $3,550,000 | -24.3% | 1.2% |
| NEWREZ LLC | $915,000 | $3,315,000 | 262.3% | 1.2% |
| Sierra Pacific Mortgage Company, Inc. | $1,610,000 | $3,245,000 | 101.6% | 1.1% |
| Franklin Loan Corporation | $515,000 | $3,190,000 | 519.4% | 1.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,330,000 | $3,125,000 | 135.0% | 1.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $3,440,000 | $3,100,000 | -9.9% | 1.1% |
| GUARANTEED RATE, INC. | $1,080,000 | $2,790,000 | 158.3% | 1.0% |
| COMMUNITY FIRST CREDIT UNION | $1,775,000 | $2,750,000 | 54.9% | 1.0% |
| Flagstar Bank, FSB | $1,655,000 | $2,630,000 | 58.9% | 0.9% |
| Paramount Residential Mortgage Group, Inc. | $3,790,000 | $2,430,000 | -35.9% | 0.8% |
| JPMorgan Chase Bank | $2,980,000 | $2,390,000 | -19.8% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $725,000 | $2,335,000 | 222.1% | 0.8% |
| ARC HOME LLC | $425,000 | $1,970,000 | 363.5% | 0.7% |
| First Federal Savings and Loan Association of San Rafael | $1,950,000 | n/a | 0.7% | |
| OCMBC, INC. | $875,000 | $1,885,000 | 115.4% | 0.7% |
| FINANCE OF AMERICA REVERSE LLC | $605,000 | $1,880,000 | 210.7% | 0.7% |
| SUMMIT FUNDING, INC. | $1,435,000 | $1,710,000 | 19.2% | 0.6% |
| AMWEST FUNDING CORP. | $425,000 | $1,630,000 | 283.5% | 0.6% |
| BROKER SOLUTIONS, INC. | $2,490,000 | $1,595,000 | -35.9% | 0.6% |
| Tri Counties Bank | $935,000 | $1,550,000 | 65.8% | 0.5% |
| PNC Bank | $585,000 | $1,490,000 | 154.7% | 0.5% |
| ALLIANT CREDIT UNION | $535,000 | $1,475,000 | 175.7% | 0.5% |
| MORTGAGEONE, INC. | $1,475,000 | n/a | 0.5% | |
| Mortgage Research Center, LLC | $1,960,000 | $1,470,000 | -25.0% | 0.5% |
| HOMEXPRESS MORTGAGE CORP. | $455,000 | $1,400,000 | 207.7% | 0.5% |
| American Mortgage & Equity Consultants, Inc. | $1,845,000 | $1,345,000 | -27.1% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $1,270,000 | n/a | 0.4% | |
| NATIONWIDE EQUITIES CORPORATION | $1,235,000 | n/a | 0.4% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,585,000 | $1,205,000 | -66.4% | 0.4% |
| MID AMERICA MORTGAGE, INC. | $1,155,000 | n/a | 0.4% | |
| USAA Federal Savings Bank | $355,000 | $1,125,000 | 216.9% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $920,000 | $1,065,000 | 15.8% | 0.4% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $990,000 | n/a | 0.3% | |
| TRIAD FINANCIAL SERVICES, INC. | $655,000 | $975,000 | 48.9% | 0.3% |
| GUARANTEED RATE AFFINITY, LLC | $510,000 | $960,000 | 88.2% | 0.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | $945,000 | n/a | 0.3% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,125,000 | $920,000 | -56.7% | 0.3% |
| BMO Harris Bank | $2,040,000 | $885,000 | -56.6% | 0.3% |
| Commerce Home Mortgage, Inc. | $1,010,000 | $840,000 | -16.8% | 0.3% |
| Ally Bank | $830,000 | n/a | 0.3% | |
| DEEPHAVEN MORTGAGE LLC | $735,000 | $825,000 | 12.2% | 0.3% |
| LAND HOME FINANCIAL SERVICES, INC. | $820,000 | n/a | 0.3% | |
| Provident Credit Union | $1,115,000 | $750,000 | -32.7% | 0.3% |
| MOVEMENT MORTGAGE, LLC | $315,000 | $730,000 | 131.7% | 0.3% |
| ZILLOW HOME LOANS, LLC | $725,000 | n/a | 0.3% | |
| JMAC LENDING, INC. | $705,000 | n/a | 0.2% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $695,000 | n/a | 0.2% | |
| Morgan Stanley Private Bank | $1,030,000 | $690,000 | -33.0% | 0.2% |
| CMG MORTGAGE, INC. | $2,255,000 | $670,000 | -70.3% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,630,000 | $660,000 | -59.5% | 0.2% |
| Third Federal Savings and Loan Association of Cleveland | $650,000 | n/a | 0.2% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $705,000 | $645,000 | -8.5% | 0.2% |
| FIRST COLONY MORTGAGE CORPORATION | $640,000 | n/a | 0.2% | |
| Hometown Equity Mortgage, LLC | $1,920,000 | $625,000 | -67.4% | 0.2% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $620,000 | n/a | 0.2% | |
| Princeton Mortgage Corporation | $610,000 | $620,000 | 1.6% | 0.2% |
| Commerce Bank | $605,000 | n/a | 0.2% | |
| AXIA FINANCIAL, LLC | $565,000 | n/a | 0.2% | |
| Equity Prime Mortgage LLC | $395,000 | $560,000 | 41.8% | 0.2% |
| DIRECT MORTGAGE, CORP. | $555,000 | n/a | 0.2% | |
| GENEVA FINANCIAL, LLC | $545,000 | n/a | 0.2% | |
| Arvest Bank | $535,000 | n/a | 0.2% | |
| Lakeview Community Capital, LLC | $525,000 | n/a | 0.2% | |
| Barrington Bank & Trust Company, N.A. | $505,000 | n/a | 0.2% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $505,000 | n/a | 0.2% | |
| LONGBRIDGE FINANCIAL, LLC | $500,000 | n/a | 0.2% | |
| AMERITRUST MORTGAGE CORPORATION | $495,000 | n/a | 0.2% | |
| TOP FLITE FINANCIAL, INC. | $485,000 | n/a | 0.2% | |
| NMSI, INC. | $475,000 | n/a | 0.2% | |
| PATELCO | $1,770,000 | $450,000 | -74.6% | 0.2% |
| CORNERSTONE HOME LENDING, INC. | $445,000 | n/a | 0.2% | |
| CHURCHILL MORTGAGE CORPORATION | $435,000 | n/a | 0.2% | |
| AMERICAN INTERNET MORTGAGE, INC. | $425,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $285,000 | $425,000 | 49.1% | 0.1% |
| NP, Inc. | $385,000 | $425,000 | 10.4% | 0.1% |
| ONY GLO, INC. | $425,000 | n/a | 0.1% | |
| THE GOLDEN 1 | $2,495,000 | $410,000 | -83.6% | 0.1% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | $405,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $395,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $395,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $395,000 | n/a | 0.1% | |
| Unitus Community Credit Union | $395,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $185,000 | $375,000 | 102.7% | 0.1% |
| LADERA LENDING, INC. | $355,000 | n/a | 0.1% | |
| Figure Lending LLC | $370,000 | $345,000 | -6.8% | 0.1% |
| QUORUM FEDERAL CREDIT UNION | $325,000 | n/a | 0.1% | |
| AUGUSTA FINANCIAL, INC. | $305,000 | n/a | 0.1% | |
| General Mortgage Capital Corporation | $410,000 | $305,000 | -25.6% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $255,000 | $295,000 | 15.7% | 0.1% |
| HomeTrust Bank | $390,000 | $285,000 | -26.9% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $275,000 | n/a | 0.1% | |
| Fremont Bank | $580,000 | $265,000 | -54.3% | 0.1% |
| Luxury Mortgage Corp. | $265,000 | n/a | 0.1% | |
| Greenbox Loans, Inc. | $255,000 | n/a | 0.1% | |
| GTE Federal Credit Union | $225,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $215,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $650,000 | $215,000 | -66.9% | 0.1% |
| Ameris Bank | $210,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $545,000 | $165,000 | -69.7% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $145,000 | $150,000 | 3.4% | 0.1% |
| Crestline Funding Corporation | $145,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $860,000 | $115,000 | -86.6% | 0.0% |
| Boeing Employees Credit Union | $105,000 | n/a | 0.0% | |
| Discover Bank | $380,000 | $100,000 | -73.7% | 0.0% |
| Citibank | $95,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $95,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $85,000 | n/a | 0.0% | |
| California Coast Credit Union | $85,000 | n/a | 0.0% | |
| CHEVRON | $75,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $75,000 | n/a | 0.0% | |
| PACIFIC SERVICE | $75,000 | n/a | 0.0% |
Ukiah's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 15.9% market share. In second place, with 6.6%, is QUICKEN LOANS, LLC, having originated $18,780,000 in loans. In third place, with 6.0%, is EVERETT FINANCIAL, INC., having originated $17,325,000 in loans. In fourth place, with 5.0%, is REDWOOD, having originated $14,360,000 in loans. In fifth place, with 3.6%, is GUILD MORTGAGE COMPANY, having originated $10,290,000 in loans.
Ukiah, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 484 | $198,900,000 | $410,950 |
| Cash Out Refi | 129 | $37,505,000 | $290,736 |
| Refi | 76 | $32,070,000 | $421,974 |
| Home Improvement | 69 | $7,175,000 | $103,986 |
| Other | 53 | $10,985,000 | $207,264 |
Ukiah's most frequently cited loan purpose was Home Purchase, with 484 originations. The 2nd most popular reason was Cash Out Refi, with 129 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 351 | $147,935,000 | $421,467 |
| Over 8% | 175 | $28,865,000 | $164,943 |
| 7-8% | 163 | $58,675,000 | $359,969 |
| 5-6% | 102 | $47,740,000 | $468,039 |
| <2.5% | 16 | $940,000 | $58,750 |
| 4-5% | 1 | $395,000 | $395,000 |
| 3-4% | 1 | $135,000 | $135,000 |
During 2024, Ukiah's most frequently originated rate bucket was 6-7%, with 351 originations.
Loan Sizing (Ukiah, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 285 | $88,385,000 | $310,123 |
| $400k-600k | 201 | $96,195,000 | $478,582 |
| $100,000 or less | 129 | $7,025,000 | $54,457 |
| $100k-200k | 99 | $13,755,000 | $138,939 |
| $600k-1000k | 82 | $57,720,000 | $703,902 |
| $Over $1MM | 15 | $23,555,000 | $1,570,333 |
Ukiah's loan sizing saw the bucket of loans from $200k-400k with 285 originations, totaling $88,385,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 290 | $129,260,000 | $445,724 |
| 60-80% | 163 | $75,175,000 | $461,196 |
| Under 20% | 138 | $9,310,000 | $67,464 |
| 20-40% | 101 | $20,485,000 | $202,822 |
| 40-60% | 100 | $43,210,000 | $432,100 |
| Over 100% | 7 | $3,765,000 | $537,857 |
Ukiah's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 290 originations, totaling $129,260,000 in origination value.