Ukiah Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Ukiah averaged 5.9% for the week of 2023-05-25, compared to the national average of 6.57% for the same period.

The average rate for the prior week (2023-05-18) was 5.92% and one month ago for the week of 2023-04-20, the average rate was 5.82%.

Ukiah's average rate one year ago was 4.68%.

For refis of the same type during the week of 2023-05-25, the average rate was 5.7%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-05-25 6.57%
Ukiah 30 Year Fixed Rate 2023-05-25 5.9%
Ukiah 30 Year Fixed Rate Refi 2023-05-25 5.7%
Ukiah 15 Year Fixed Rate 2023-05-25 5.97%
Ukiah 15 Year Fixed Rate Refi 2023-05-25 6.17%
Ukiah 30 Year FHA 2023-05-25 6.51%
Ukiah 30 Year FHA Refi 2023-05-25 6.61%
Ukiah 30 Year USDA 2023-05-25 6.53%
Ukiah 30 Year USDA Refi 2023-05-25 6.43%
Ukiah 30 Year VA 2023-05-25 6.41%
Ukiah 30 Year VA Refi 2023-05-25 6.41%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Ukiah, CA.

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.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
QUICKEN LOANS, LLC 78 4.57% $8,164
UNITED WHOLESALE MORTGAGE, LLC 72 4.93% $9,147
REDWOOD 63 4.24% $2,749
LOANDEPOT.COM, LLC 41 4.30% $9,431
EVERETT FINANCIAL, INC. 28 4.19% $2,827
HOME POINT FINANCIAL CORPORATION 28 4.52% $6,242
Wells Fargo Bank 25 3.98% $6,684
FINANCE OF AMERICA MORTGAGE LLC 23 4.56% $11,564
Century Mortgage Company DBA Century Lending Company 21 5.04% $5,720
CROSSCOUNTRY MORTGAGE, LLC 20 5.00% $9,236
AmeriHome Mortgage Company, LLC 19 4.96% $9,143
Umpqua Bank 13 4.80% $7,629
AMERISAVE MORTGAGE CORPORATION 13 4.49% $8,671
JPMorgan Chase Bank 13 4.35% $4,960
Flagstar Bank, FSB 12 4.41% $8,628
CALIBER HOME LOANS, INC. 11 4.45% $8,349
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 11 4.33% $8,074
HOMEBRIDGE FINANCIAL SERVICES, INC. 11 4.34% $5,361
CMG MORTGAGE, INC. 11 3.76% $5,632
AMERICAN PACIFIC MORTGAGE CORPORATION 9 5.00% $8,708
Mr. Cooper ( Nationstar Mortgage ) 8 3.98% $7,119
GUILD MORTGAGE COMPANY 7 4.62% $9,539
Paramount Residential Mortgage Group, Inc. 7 4.77% $9,718
GUARANTEED RATE, INC. 6 4.67% $6,769
PREMIER LENDING, INC. 6 4.96% $5,148
U.S. Bank 6 4.44% $8,436
Sierra Pacific Mortgage Company, Inc. 5 3.58% $5,235
GUARANTEED RATE AFFINITY, LLC 5 4.93% $6,512
COMMUNITY FIRST CREDIT UNION 4 4.22% $3,250
ALAMEDA MORTGAGE CORPORATION 4 5.15% $5,715
NEWREZ LLC 4 4.13% $6,694
BROKER SOLUTIONS, INC. 4 5.47% $9,566
AXIA FINANCIAL, LLC 4 5.13% $6,769
S1L, Inc. 3 5.67% $9,745
PENNYMAC LOAN SERVICES, LLC 3 4.45% $3,463
Bank of America 3 4.21% $8,104
THE GOLDEN 1 3 4.08% $6,000
PATELCO 2 3.13% $5,063
LADERA LENDING, INC. 2 3.38% $10,591
Commerce Home Mortgage, Inc. 2 5.18% $17,558
Barrington Bank & Trust Company, N.A. 2 3.81% $7,959
Greenbox Loans, Inc. 2 9.00% $19,521
Truist 2 4.96% $3,700
NBKC BANK 2 3.31% $6,159
Nations Lending Corporation 2 4.56% $8,078
BETTER MORTGAGE CORPORATION 2 3.75% $4,660
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 3.99% $7,021
Wyndham Capital Mortgage, Inc. 2 3.56% $2,800
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 5.06% $11,854
RESIDENTIAL BANCORP. 2 6.50% $8,656
Charles Schwab Bank, SSB 2 3.71% $14,935
City National Bank 2 3.41% $5,724
PNC Bank 2 3.31% $5,253
Bank of the West 2 3.19% $3,147
STEARNS LENDING, LLC 2 3.62% $10,060
SUMMIT FUNDING, INC. 2 4.94% $16,479
Texana Bank 1 4.50% $13,743
The Loan Store, Inc. 1 4.75% $5,016
The State Bank 1 3.75% $4,311
TJC Mortgage, Inc. 1 3.38% $5,596
Tri Counties Bank 1 6.13% $6,340
UNION HOME MORTGAGE CORP. 1 4.88% $15,404
US MORTGAGE CORPORATION 1 6.63% $18,868
Willamette Valley Bank 1 5.63% $5,842
NMSI, INC. 1 7.63% $9,043
Ally Bank 1 5.50% $1,110
AMERICAN FINANCING CORPORATION 1 4.25% $6,530
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.49% $6,491
Arvest Bank 1 3.25% $3,987
Bethpage Federal Credit Union 1 6.00% $4,142
BNY Mellon 1 3.38% $5,938
Boeing Employees Credit Union 1 5.00% $2,005
CARDINAL FINANCIAL 1 4.25% $6,800
CASTLE & COOKE MORTGAGE, LLC 1 3.25% $7,810
Citibank 1 5.00% $4,529
CLEARPATH LENDING 1 3.50% $10,788
CORNERSTONE HOME LENDING, INC. 1 3.13% $9,883
Discover Bank 1 3.49% $0
DRAPER AND KRAMER MORTGAGE CORP. 1 3.25% $15,097
Fifth Third Bank 1 4.63% $5,126
First-Citizens Bank & Trust Company 1 5.00% $5,025
First Republic Bank 1 3.60% $3,867
FREEDOM MORTGAGE CORPORATION 1 3.88% $6,354
GENEVA FINANCIAL, LLC 1 4.63% $8,526
Golden Empire Mortgage, Inc. 1 4.00% $9,645
GREATER NEVADA LLC 1 5.63% $5,236
HOMEXPRESS MORTGAGE CORP. 1 6.38% $9,705
IMPAC MORTGAGE CORP. 1 3.88% $7,796
INTERCAP LENDING INC. 1 3.75% $4,326
JMAC LENDING, INC. 1 3.25% $8,902
KeyBank 1 4.00% $4,890
Lakeview Community Capital, LLC 1 4.88% $9,566
LAKEVIEW LOAN SERVICING, LLC 1 4.25% $4,344
LEADERONE FINANCIAL CORPORATION 1 4.75% $8,009
LENDSURE MORTGAGE CORP. 1 7.25% $14,474
LOANPAL, LLC 1 3.25% $7,504
MASON MCDUFFIE MORTGAGE CORPORATION 1 4.49% $4,517
MEGASTAR FINANCIAL CORP. 1 6.13% $11,615
Morgan Stanley Private Bank 1 4.60% $3,868
MOVEMENT MORTGAGE, LLC 1 4.38% $4,594
MUFG Union Bank 1 5.25% $3,783
MUTUAL OF OMAHA MORTGAGE, INC. 1 5.00% $9,250
NETWORK CAPITAL FUNDING CORPORATION 1 7.50% $6,133
NEXERA HOLDING LLC 1 3.38% $5,975
5TH STREET CAPITAL, INC. 1 4.25% $8,214
Northpointe Bank 1 3.75% $10,225
OCMBC, INC. 1 5.75% $13,376
ON Q FINANCIAL, INC. 1 3.38% $3,692
OPEN MORTGAGE, LLC 1 5.50% $10,973
Operating Engineers Local Union #3 1 3.50% $4,393
PLAZA HOME MORTGAGE, INC. 1 7.13% $14,066
PREMIER MORTGAGE RESOURCES, L.L.C. 1 3.25% $4,591
Princeton Mortgage Corporation 1 3.13% $4,831
Quontic Bank 1 5.75% $10,367
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 7.63% $9,670
SACRAMENTO Credit Union 1 3.75% $3,443
SAN FRANCISCO FEDERAL CREDIT UNION 1 4.50% $5,069
Silicon Valley Bank 1 3.25% $6,545
SUNSTREET MORTGAGE, LLC 1 4.50% $4,197
SWBC MORTGAGE CORPORATION 1 7.00% $8,277

Ukiah Average Closing Costs & Other Stats

Ukiah, CA's 120 lenders originated 1,293 loans during 2022. The total origination value was $466,905,000, with an average loan value of $361,102.

Ukiah's average closing costs are $5,960.

The top Ukiah lender as defined by loan originations is QUICKEN LOANS, LLC, with 78 loans originated. Their average total fees are $8,164, which is $983 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Ukiah lenders (with over 10 loans originated) are REDWOOD ($2,749), EVERETT FINANCIAL, INC. ($2,827), JPMorgan Chase Bank ($4,960), HOMEBRIDGE FINANCIAL SERVICES, INC. ($5,361) and CMG MORTGAGE, INC. ($5,632).

The lowest rate Ukiah lenders (with over 10 loans originated) are CMG MORTGAGE, INC. (3.76%), Wells Fargo Bank (3.98%), EVERETT FINANCIAL, INC. (4.19%), REDWOOD (4.24%) and LOANDEPOT.COM, LLC (4.30%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
UNITED WHOLESALE MORTGAGE, LLC $61,095,000 $41,480,000 -32.1% 8.9%
QUICKEN LOANS, LLC $97,920,000 $37,870,000 -61.3% 8.1%
REDWOOD $49,970,000 $37,430,000 -25.1% 8.0%
LOANDEPOT.COM, LLC $51,015,000 $26,440,000 -48.2% 5.7%
EVERETT FINANCIAL, INC. $7,530,000 $17,840,000 136.9% 3.8%
FINANCE OF AMERICA MORTGAGE LLC $20,050,000 $15,725,000 -21.6% 3.4%
Wells Fargo Bank $19,025,000 $14,360,000 -24.5% 3.1%
HOME POINT FINANCIAL CORPORATION $42,920,000 $14,280,000 -66.7% 3.1%
Umpqua Bank $20,405,000 $11,620,000 -43.1% 2.5%
CROSSCOUNTRY MORTGAGE, LLC $24,285,000 $11,270,000 -53.6% 2.4%
Century Mortgage Company DBA Century Lending Company $9,800,000 $9,245,000 -5.7% 2.0%
CALIBER HOME LOANS, INC. $13,855,000 $7,950,000 -42.6% 1.7%
AmeriHome Mortgage Company, LLC $1,085,000 $6,950,000 540.6% 1.5%
AMERISAVE MORTGAGE CORPORATION $6,915,000 $6,840,000 -1.1% 1.5%
HOMEBRIDGE FINANCIAL SERVICES, INC. $11,615,000 $6,645,000 -42.8% 1.4%
Mechanics Bank $2,005,000 $6,005,000 199.5% 1.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $6,820,000 $5,845,000 -14.3% 1.3%
CMG MORTGAGE, INC. $5,995,000 $5,585,000 -6.8% 1.2%
GUILD MORTGAGE COMPANY $4,190,000 $5,525,000 31.9% 1.2%
Flagstar Bank, FSB $8,640,000 $5,055,000 -41.5% 1.1%
JPMorgan Chase Bank $13,445,000 $5,045,000 -62.5% 1.1%
Paramount Residential Mortgage Group, Inc. $7,380,000 $4,980,000 -32.5% 1.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $14,390,000 $4,820,000 -66.5% 1.0%
GUARANTEED RATE, INC. $10,860,000 $4,755,000 -56.2% 1.0%
Bank of America $8,985,000 $4,670,000 -48.0% 1.0%
First Republic Bank $4,435,000 $3,910,000 -11.8% 0.8%
Exchange Bank $790,000 $3,855,000 388.0% 0.8%
Mortgage Research Center, LLC $2,900,000 $3,560,000 22.8% 0.8%
U.S. Bank $6,865,000 $3,495,000 -49.1% 0.7%
PENNYMAC LOAN SERVICES, LLC $10,925,000 $3,365,000 -69.2% 0.7%
COMMUNITY FIRST CREDIT UNION $10,075,000 $3,295,000 -67.3% 0.7%
PREMIER LENDING, INC. $510,000 $3,270,000 541.2% 0.7%
FINANCE OF AMERICA REVERSE LLC $1,825,000 $3,095,000 69.6% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $9,445,000 $3,055,000 -67.7% 0.7%
AMERICAN ADVISORS GROUP $1,315,000 $3,045,000 131.6% 0.7%
Charles Schwab Bank, SSB $4,125,000 $3,015,000 -26.9% 0.6%
BROKER SOLUTIONS, INC. $5,960,000 $2,925,000 -50.9% 0.6%
HOMEXPRESS MORTGAGE CORP. $845,000 $2,860,000 238.5% 0.6%
FREEDOM MORTGAGE CORPORATION $22,215,000 $2,695,000 -87.9% 0.6%
NEWREZ LLC $5,730,000 $2,620,000 -54.3% 0.6%
PNC Bank $155,000 $2,525,000 1,529.0% 0.5%
Bank of the West $365,000 $2,455,000 572.6% 0.5%
ORIX REAL ESTATE CAPITAL, LLC $2,405,000 n/a 0.5%
THE GOLDEN 1 $940,000 $2,340,000 148.9% 0.5%
Sierra Pacific Mortgage Company, Inc. $15,610,000 $2,280,000 -85.4% 0.5%
SUMMIT FUNDING, INC. $6,165,000 $2,090,000 -66.1% 0.4%
Arbor Realty Trust, Inc. $2,005,000 n/a 0.4%
LOANPAL, LLC $1,570,000 $1,995,000 27.1% 0.4%
Commerce Home Mortgage, Inc. $1,915,000 $1,745,000 -8.9% 0.4%
USE Credit Union $770,000 $1,745,000 126.6% 0.4%
AMWEST FUNDING CORP. $1,205,000 $1,730,000 43.6% 0.4%
ALAMEDA MORTGAGE CORPORATION $1,570,000 $1,700,000 8.3% 0.4%
GUARANTEED RATE AFFINITY, LLC $2,920,000 $1,655,000 -43.3% 0.4%
A&D Mortgage LLC $455,000 $1,580,000 247.3% 0.3%
NAVY FEDERAL CREDIT UNION $1,535,000 n/a 0.3%
REVERSE MORTGAGE FUNDING LLC $880,000 $1,510,000 71.6% 0.3%
LONGBRIDGE FINANCIAL, LLC $275,000 $1,445,000 425.5% 0.3%
Tri Counties Bank $3,690,000 $1,415,000 -61.7% 0.3%
BNY Mellon $1,330,000 $1,305,000 -1.9% 0.3%
S1L, Inc. $1,175,000 $1,300,000 10.6% 0.3%
UNION HOME MORTGAGE CORP. $1,285,000 n/a 0.3%
ANGEL OAK MORTGAGE SOLUTIONS LLC $1,690,000 $1,270,000 -24.9% 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $2,260,000 $1,270,000 -43.8% 0.3%
First Federal Savings and Loan Association of San Rafael $1,240,000 n/a 0.3%
ON Q FINANCIAL, INC. $375,000 $1,205,000 221.3% 0.3%
CORNERSTONE HOME LENDING, INC. $1,200,000 n/a 0.3%
PATELCO $2,500,000 $1,200,000 -52.0% 0.3%
AXIA FINANCIAL, LLC $85,000 $1,190,000 1,300.0% 0.3%
City National Bank $885,000 $1,160,000 31.1% 0.2%
Nations Lending Corporation $2,375,000 $1,135,000 -52.2% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $2,235,000 $1,100,000 -50.8% 0.2%
BETTER MORTGAGE CORPORATION $8,650,000 $1,095,000 -87.3% 0.2%
MOUNTAIN WEST FINANCIAL, INC. $4,455,000 $1,095,000 -75.4% 0.2%
NBKC BANK $850,000 $1,070,000 25.9% 0.2%
LAKEVIEW LOAN SERVICING, LLC $5,925,000 $1,055,000 -82.2% 0.2%
Silicon Valley Bank $1,025,000 n/a 0.2%
PLAZA HOME MORTGAGE, INC. $1,150,000 $1,010,000 -12.2% 0.2%
Truist $855,000 $1,005,000 17.5% 0.2%
Greenbox Loans, Inc. $960,000 n/a 0.2%
FJM PRIVATE MORTGAGE FUND, LLC $1,120,000 $935,000 -16.5% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,390,000 $920,000 -33.8% 0.2%
Barrington Bank & Trust Company, N.A. $890,000 n/a 0.2%
21ST MORTGAGE CORPORATION $190,000 $865,000 355.3% 0.2%
RESIDENTIAL BANCORP. $155,000 $860,000 454.8% 0.2%
STEARNS LENDING, LLC $18,275,000 $845,000 -95.4% 0.2%
Wyndham Capital Mortgage, Inc. $710,000 $810,000 14.1% 0.2%
Operating Engineers Local Union #3 $760,000 n/a 0.2%
PEOPLES STATE BANK $755,000 n/a 0.2%
Morgan Stanley Private Bank $2,525,000 $715,000 -71.7% 0.2%
JMAC LENDING, INC. $1,050,000 $705,000 -32.9% 0.2%
SAN FRANCISCO FIRE CREDIT UNION $365,000 $705,000 93.2% 0.2%
Axos Bank $850,000 $655,000 -22.9% 0.1%
Fifth Third Bank $165,000 $645,000 290.9% 0.1%
ISERVE RESIDENTIAL LENDING, LLC $645,000 n/a 0.1%
SAN FRANCISCO FEDERAL CREDIT UNION $395,000 $645,000 63.3% 0.1%
PENTAGON FEDERAL CREDIT UNION $55,000 $590,000 972.7% 0.1%
Northpointe Bank $1,135,000 $585,000 -48.5% 0.1%
First-Citizens Bank & Trust Company $555,000 n/a 0.1%
KeyBank $1,160,000 $555,000 -52.2% 0.1%
Lakeview Community Capital, LLC $1,480,000 $540,000 -63.5% 0.1%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $535,000 n/a 0.1%
SPRING EQ, LLC $835,000 $530,000 -36.5% 0.1%
Arvest Bank $385,000 $515,000 33.8% 0.1%
Bethpage Federal Credit Union $515,000 n/a 0.1%
CHERRY CREEK MORTGAGE, LLC $2,965,000 $515,000 -82.6% 0.1%
LENDSURE MORTGAGE CORP. $3,410,000 $515,000 -84.9% 0.1%
OPEN MORTGAGE, LLC $475,000 $515,000 8.4% 0.1%
Ally Bank $710,000 $505,000 -28.9% 0.1%
LADERA LENDING, INC. $2,130,000 $500,000 -76.5% 0.1%
HOMESIDE FINANCIAL, LLC $725,000 $495,000 -31.7% 0.1%
5TH STREET CAPITAL, INC. $225,000 $485,000 115.6% 0.1%
CASTLE & COOKE MORTGAGE, LLC $485,000 n/a 0.1%
SUNSTREET MORTGAGE, LLC $485,000 n/a 0.1%
The Loan Store, Inc. $910,000 $485,000 -46.7% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $585,000 $475,000 -18.8% 0.1%
ONY GLO, INC. $165,000 $475,000 187.9% 0.1%
Willamette Valley Bank $475,000 n/a 0.1%
Fremont Bank $5,150,000 $470,000 -90.9% 0.1%
TJC Mortgage, Inc. $465,000 $455,000 -2.2% 0.1%
Golden Empire Mortgage, Inc. $445,000 n/a 0.1%
IMPAC MORTGAGE CORP. $2,360,000 $445,000 -81.1% 0.1%
INTERCAP LENDING INC. $15,000 $425,000 2,733.3% 0.1%
Metro City Bank $425,000 n/a 0.1%
NETWORK CAPITAL FUNDING CORPORATION $1,075,000 $420,000 -60.9% 0.1%
GENEVA FINANCIAL, LLC $505,000 $415,000 -17.8% 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $3,745,000 $410,000 -89.1% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $400,000 $405,000 1.3% 0.1%
NEXERA HOLDING LLC $860,000 $405,000 -52.9% 0.1%
Princeton Mortgage Corporation $405,000 n/a 0.1%
US MORTGAGE CORPORATION $405,000 n/a 0.1%
MUFG Union Bank $705,000 $395,000 -44.0% 0.1%
Discover Bank $155,000 $385,000 148.4% 0.1%
Texana Bank $385,000 n/a 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $435,000 $375,000 -13.8% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $610,000 $365,000 -40.2% 0.1%
MEGASTAR FINANCIAL CORP. $355,000 n/a 0.1%
MASON MCDUFFIE MORTGAGE CORPORATION $265,000 $345,000 30.2% 0.1%
OCMBC, INC. $1,925,000 $325,000 -83.1% 0.1%
Equity Prime Mortgage LLC $315,000 n/a 0.1%
NMSI, INC. $305,000 n/a 0.1%
The State Bank $305,000 n/a 0.1%
ALLIANT CREDIT UNION $65,000 $280,000 330.8% 0.1%
CLEARPATH LENDING $1,175,000 $265,000 -77.4% 0.1%
Firefighters First Federal Credit Union $265,000 n/a 0.1%
LEADERONE FINANCIAL CORPORATION $755,000 $265,000 -64.9% 0.1%
Quontic Bank $905,000 $265,000 -70.7% 0.1%
SACRAMENTO Credit Union $265,000 n/a 0.1%
SEA WEST COAST GUARD FEDERAL CREDIT UNION $265,000 n/a 0.1%
SWBC MORTGAGE CORPORATION $265,000 n/a 0.1%
Citadel Servicing Corporation $255,000 n/a 0.1%
Mid-Continent Funding, Inc. $255,000 n/a 0.1%
UNCLE Credit Union $255,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $250,000 n/a 0.1%
QUORUM FEDERAL CREDIT UNION $105,000 $245,000 133.3% 0.1%
BECKAM FUNDING CORP. $375,000 $235,000 -37.3% 0.1%
GREATER NEVADA LLC $225,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $85,000 $220,000 158.8% 0.0%
NATIONS DIRECT MORTGAGE, LLC $335,000 $215,000 -35.8% 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,005,000 $215,000 -78.6% 0.0%
ALL REVERSE MORTGAGE, INC. $205,000 n/a 0.0%
MOVEMENT MORTGAGE, LLC $205,000 n/a 0.0%
AMERICAN FINANCING CORPORATION $700,000 $195,000 -72.1% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $195,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $440,000 $155,000 -64.8% 0.0%
Figure Lending LLC $200,000 $145,000 -27.5% 0.0%
MORTGAGE EXPRESS, LLC $145,000 n/a 0.0%
GTE Federal Credit Union $130,000 n/a 0.0%
GEORGIA'S OWN $340,000 $125,000 -63.2% 0.0%
PACIFIC SERVICE $120,000 n/a 0.0%
Boeing Employees Credit Union $145,000 $105,000 -27.6% 0.0%
HomeTrust Bank $105,000 n/a 0.0%
Florida Capital Bank $215,000 $95,000 -55.8% 0.0%
ADVANTIS $65,000 n/a 0.0%
Citibank $885,000 $55,000 -93.8% 0.0%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $45,000 n/a 0.0%
State Department Federal Credit Union $35,000 n/a 0.0%
VENTURA COUNTY $35,000 n/a 0.0%

Ukiah's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 8.9% market share. In second place, with 8.1%, is QUICKEN LOANS, LLC, having originated $37,870,000 in loans. In third place, with 8.0%, is REDWOOD, having originated $37,430,000 in loans. In fourth place, with 5.7%, is LOANDEPOT.COM, LLC, having originated $26,440,000 in loans. In fifth place, with 3.8%, is EVERETT FINANCIAL, INC., having originated $17,840,000 in loans.


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

Realtor.com - Ukiah (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 $599,000 (0.7%) $870,102 (-4.1%) 0.00 284
2018-02-01 $595,000 (4.9%) $838,877 (-7.6%) 0.00 305
2018-03-01 $579,000 (6.3%) $875,554 (3.4%) 0.00 339
2018-04-01 $588,000 (7.9%) $880,900 (6.2%) 0.00 359
2018-05-01 $599,000 (5.3%) $905,395 (14.0%) 0.00 461
2018-06-01 $599,950 (3.4%) $892,308 (11.9%) 0.00 478
2018-07-01 $621,725 (4.5%) $882,648 (0.7%) 0.00 500
2018-08-01 $631,500 (10.9%) $879,692 (2.5%) 0.00 496
2018-09-01 $622,500 (3.9%) $873,372 (0.5%) 0.00 497
2018-10-01 $619,250 (-0.9%) $866,598 (-1.7%) 0.00 483
2018-11-01 $599,000 (-4.9%) $857,734 (-5.0%) 0.00 460
2018-12-01 $585,000 (-5.5%) $849,660 (-3.0%) 0.00 444
2019-01-01 $577,000 (-3.7%) $858,828 (-1.3%) 0.00 415
2019-02-01 $590,000 (-0.8%) $865,521 (3.2%) 0.00 413
2019-03-01 $599,000 (3.5%) $910,585 (4.0%) 0.00 401
2019-04-01 $595,000 (1.2%) $904,545 (2.7%) 0.00 414
2019-05-01 $599,000 (0.0%) $915,171 (1.1%) 0.00 448
2019-06-01 $595,000 (-0.8%) $911,471 (2.2%) 0.00 472
2019-07-01 $595,000 (-4.3%) $928,337 (5.2%) 0.00 463
2019-08-01 $599,000 (-5.2%) $870,301 (-1.1%) 0.00 453
2019-09-01 $599,300 (-3.7%) $927,905 (6.2%) 0.00 414
2019-10-01 $599,000 (-3.3%) $957,259 (10.5%) 0.00 405
2019-11-01 $599,400 (0.1%) $999,676 (16.6%) 0.00 375
2019-12-01 $606,700 (3.7%) $993,778 (17.0%) 0.00 336
2020-01-01 $595,000 (3.1%) $987,541 (15.0%) 0.00 302
2020-02-01 $622,500 (5.5%) $993,793 (14.8%) 0.00 297
2020-03-01 $627,375 (4.7%) $972,270 (6.8%) 0.00 295
2020-04-01 $632,000 (6.2%) $986,760 (9.1%) 0.00 281
2020-05-01 $639,000 (6.7%) $983,112 (7.4%) 0.00 281
2020-06-01 $643,625 (8.2%) $1,015,495 (11.4%) 0.00 284
2020-07-01 $660,000 (10.9%) $1,064,380 (14.7%) 0.00 219
2020-08-01 $699,999 (16.9%) $1,120,799 (28.8%) 0.00 192
2020-09-01 $798,000 (33.2%) $1,242,848 (33.9%) 0.00 190
2020-10-01 $779,000 (30.1%) $1,252,916 (30.9%) 0.00 189
2020-11-01 $753,500 (25.7%) $1,258,381 (25.9%) 0.00 177
2020-12-01 $772,000 (27.3%) $1,201,119 (20.9%) 0.00 155
2021-01-01 $750,000 (26.1%) $1,246,091 (26.2%) 0.00 131
2021-02-01 $824,238 (32.4%) $1,378,527 (38.7%) 0.00 123
2021-03-01 $850,000 (35.5%) $1,308,031 (34.5%) 0.00 125
2021-04-01 $850,000 (34.5%) $1,345,470 (36.4%) 0.00 146
2021-05-01 $762,500 (19.3%) $1,259,615 (28.1%) 0.00 167
2021-06-01 $747,250 (16.1%) $1,210,290 (19.2%) 0.00 173
2021-07-01 $780,000 (18.2%) $1,261,556 (18.5%) 0.00 170
2021-08-01 $766,750 (9.5%) $1,314,431 (17.3%) 0.00 184
2021-09-01 $699,000 (-12.4%) $1,240,914 (-0.2%) 0.00 195
2021-10-01 $747,500 (-4.0%) $1,270,457 (1.4%) 0.00 212
2021-11-01 $757,375 (0.5%) $1,265,531 (0.6%) 0.00 208
2021-12-01 $757,500 (-1.9%) $1,352,786 (12.6%) 0.00 194
2022-01-01 $769,000 (2.5%) $1,345,697 (8.0%) 0.00 176
2022-02-01 $749,500 (-9.1%) $1,321,939 (-4.1%) 0.00 188
2022-03-01 $713,500 (-16.1%) $1,225,081 (-6.3%) 0.00 199
2022-04-01 $699,000 (-17.8%) $1,140,623 (-15.2%) 0.00 244
2022-05-01 $672,500 (-11.8%) $1,083,082 (-14.0%) 0.00 272
2022-06-01 $660,750 (-11.6%) $1,068,989 (-11.7%) 0.00 300
2022-07-01 $637,000 (-18.3%) $996,796 (-21.0%) 0.00 324
2022-08-01 $612,500 (-20.1%) $970,995 (-26.1%) 0.00 313
2022-09-01 $628,000 (-10.2%) $1,034,009 (-16.7%) 0.00 310
2022-10-01 $621,000 (-16.9%) $1,041,197 (-18.1%) 0.00 313
2022-11-01 $600,000 (-20.8%) $990,433 (-21.7%) 0.00 295
2022-12-01 $599,000 (-20.9%) $950,609 (-29.7%) 0.00 274
2023-01-01 $607,500 (-21.0%) $903,073 (-32.9%) 0.00 228
2023-02-01 $599,000 (-20.1%) $999,169 (-24.4%) 0.00 218
2023-03-01 $598,000 (-16.2%) $1,015,964 (-17.1%) 0.00 223
2023-04-01 $609,500 (-12.8%) $1,013,407 (-11.2%) 0.00 250
Ukiah's median listing price for 2023-04-01 was $609,500, a difference of $-89,500 (-12.8%) versus the prior year and $11,500 versus the prior month.

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

Ukiah's average listing price for 2023-04-01 was $1,013,407, a difference of $-127,216 (-11.2%) versus the prior year and $-2,557 versus the prior month.

For the 2023-04-01 period, Ukiah had 250 MLS listings, a difference of 27 listings (12%) versus the prior month and 6 listings (2%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Ukiah (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,763 sqft
2018-02-01 0 days 1,716 sqft
2018-03-01 0 days 1,720 sqft
2018-04-01 0 days 1,728 sqft
2018-05-01 0 days 1,700 sqft
2018-06-01 0 days 1,724 sqft
2018-07-01 0 days 1,705 sqft
2018-08-01 0 days 1,720 sqft
2018-09-01 0 days 1,700 sqft
2018-10-01 0 days 1,700 sqft
2018-11-01 0 days 1,680 sqft
2018-12-01 0 days 1,680 sqft
2019-01-01 0 days 1,632 sqft
2019-02-01 0 days 1,620 sqft
2019-03-01 0 days 1,675 sqft
2019-04-01 0 days 1,639 sqft
2019-05-01 0 days 1,688 sqft
2019-06-01 0 days 1,656 sqft
2019-07-01 0 days 1,681 sqft
2019-08-01 0 days 1,700 sqft
2019-09-01 0 days 1,726 sqft
2019-10-01 0 days 1,715 sqft
2019-11-01 0 days 1,711 sqft
2019-12-01 0 days 1,723 sqft
2020-01-01 0 days 1,727 sqft
2020-02-01 0 days 1,789 sqft
2020-03-01 0 days 1,705 sqft
2020-04-01 0 days 1,675 sqft
2020-05-01 0 days 1,700 sqft
2020-06-01 0 days 1,761 sqft
2020-07-01 0 days 1,820 sqft
2020-08-01 0 days 1,900 sqft
2020-09-01 0 days 1,910 sqft
2020-10-01 0 days 1,836 sqft
2020-11-01 0 days 1,852 sqft
2020-12-01 0 days 1,857 sqft
2021-01-01 0 days 1,850 sqft
2021-02-01 0 days 1,825 sqft
2021-03-01 0 days 1,867 sqft
2021-04-01 0 days 1,881 sqft
2021-05-01 0 days 1,788 sqft
2021-06-01 0 days 1,693 sqft
2021-07-01 0 days 1,644 sqft
2021-08-01 0 days 1,644 sqft
2021-09-01 0 days 1,600 sqft
2021-10-01 0 days 1,680 sqft
2021-11-01 0 days 1,747 sqft
2021-12-01 0 days 1,772 sqft
2022-01-01 0 days 1,800 sqft
2022-02-01 0 days 1,665 sqft
2022-03-01 0 days 1,672 sqft
2022-04-01 0 days 1,665 sqft
2022-05-01 0 days 1,633 sqft
2022-06-01 0 days 1,600 sqft
2022-07-01 0 days 1,600 sqft
2022-08-01 0 days 1,608 sqft
2022-09-01 0 days 1,695 sqft
2022-10-01 0 days 1,700 sqft
2022-11-01 0 days 1,689 sqft
2022-12-01 0 days 1,649 sqft
2023-01-01 0 days 1,700 sqft
2023-02-01 0 days 1,615 sqft
2023-03-01 0 days 1,584 sqft
2023-04-01 0 days 1,600 sqft
Ukiah's median listing age (time on market) for 2023-04-01 was 0 days.

Ukiah's median square footage for active listings during the 2023-04-01 period was 1,600 sqft. One year prior, the average listing was 1,665 sqft.

Ukiah, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 557 $245,185,000 $440,189
Cash Out Refi 341 $118,535,000 $347,610
Refi 198 $70,540,000 $356,263
Home Improvement 114 $15,230,000 $133,596
Other 83 $17,415,000 $209,819

Ukiah's most frequently cited loan purpose was Home Purchase, with 557 originations. The 2nd most popular reason was Cash Out Refi, with 341 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 362 $144,680,000 $399,669
4-5% 358 $121,540,000 $339,497
5-6% 246 $86,920,000 $353,333
6-7% 126 $40,910,000 $324,683
2.5-3% 103 $37,425,000 $363,350
7-8% 44 $13,120,000 $298,182
<2.5% 28 $10,880,000 $388,571
Over 8% 19 $5,135,000 $270,263

During 2022, Ukiah's most frequently originated rate bucket was 3-4%, with 362 originations.

Loan Sizing (Ukiah, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 515 $153,975,000 $298,981
$400k-600k 325 $156,855,000 $482,631
$100k-200k 163 $23,845,000 $146,288
$100,000 or less 148 $8,650,000 $58,446
$600k-1000k 117 $81,785,000 $699,017
$Over $1MM 25 $41,795,000 $1,671,800

Ukiah's loan sizing saw the bucket of loans from $200k-400k with 515 originations, totaling $153,975,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 351 $160,215,000 $456,453
80-100% 323 $146,395,000 $453,235
40-60% 258 $94,520,000 $366,357
Under 20% 182 $14,000,000 $76,923
20-40% 159 $38,115,000 $239,717
Over 100% 5 $4,445,000 $889,000

Ukiah's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 351 originations, totaling $160,215,000 in origination value.