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 6.67% for the week of 2022-11-23, compared to the national average of 6.58% for the same period.

The average rate for the prior week (2022-11-17) was 7% and one month ago for the week of 2022-10-20, the average rate was 7.23%.

Ukiah's average rate one year ago was 3.1%.

For refis of the same type during the week of 2022-11-23, the average rate was 6.66%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-11-23 6.58%
Ukiah 30 Year Fixed Rate 2022-11-23 6.67%
Ukiah 30 Year Fixed Rate Refi 2022-11-23 6.66%
Ukiah 15 Year Fixed Rate 2022-11-23 6.35%
Ukiah 15 Year Fixed Rate Refi 2022-11-23 6.24%
Ukiah 30 Year FHA 2022-11-23 0.15%
Ukiah 30 Year FHA Refi 2022-11-23 -0.24%
Ukiah 30 Year USDA 2022-11-23 -0.17%
Ukiah 30 Year VA 2022-11-23 0.19%
Ukiah 30 Year VA Refi 2022-11-23 -0.28%
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 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
QUICKEN LOANS, LLC 222 2.94% $5,277
UNITED WHOLESALE MORTGAGE, LLC 119 2.90% $5,583
REDWOOD 94 3.18% $3,270
LOANDEPOT.COM, LLC 94 3.08% $6,150
HOME POINT FINANCIAL CORPORATION 92 3.10% $5,772
FINANCE OF AMERICA MORTGAGE LLC 46 3.30% $5,649
STEARNS LENDING, LLC 44 2.96% $4,933
CROSSCOUNTRY MORTGAGE, LLC 42 3.09% $6,287
Sierra Pacific Mortgage Company, Inc. 34 3.06% $3,846
Wells Fargo Bank 33 3.11% $4,629
Umpqua Bank 32 3.19% $5,152
CALIBER HOME LOANS, INC. 30 3.19% $4,578
AMERICAN PACIFIC MORTGAGE CORPORATION 30 3.10% $5,804
JPMorgan Chase Bank 26 2.97% $4,664
HOMEBRIDGE FINANCIAL SERVICES, INC. 24 2.93% $6,027
COMMUNITY FIRST CREDIT UNION 23 3.57% $5,432
Flagstar Bank, FSB 23 3.22% $6,539
GUARANTEED RATE, INC. 21 3.02% $4,047
Century Mortgage Company DBA Century Lending Company 21 3.39% $4,717
Mr. Cooper ( Nationstar Mortgage ) 18 3.19% $5,758
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 17 3.13% $4,261
EVERETT FINANCIAL, INC. 17 3.19% $2,566
Paramount Residential Mortgage Group, Inc. 15 3.25% $5,978
AMERISAVE MORTGAGE CORPORATION 14 2.79% $6,350
PENNYMAC LOAN SERVICES, LLC 14 3.01% $5,487
SUMMIT FUNDING, INC. 13 2.99% $8,337
BETTER MORTGAGE CORPORATION 12 2.66% $4,340
Fremont Bank 12 3.07% $1,068
NEWREZ LLC 11 3.01% $4,381
CMG MORTGAGE, INC. 11 3.08% $6,242
FREEDOM MORTGAGE CORPORATION 10 3.12% $1,844
BROKER SOLUTIONS, INC. 9 3.05% $6,183
PARKSIDE LENDING, LLC 9 3.00% $9,253
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 9 3.08% $4,795
U.S. Bank 8 2.87% $3,925
AMERICAN FINANCIAL NETWORK, INC. 8 2.98% $8,875
Bank of America 7 2.93% $3,610
GUILD MORTGAGE COMPANY 7 3.12% $6,294
LADERA LENDING, INC. 6 3.06% $3,301
PATELCO 6 3.36% $3,745
Tri Counties Bank 6 3.21% $3,872
MOUNTAIN WEST FINANCIAL, INC. 6 3.19% $6,723
LENDUS, LLC 6 3.08% $5,300
Commerce Home Mortgage, Inc. 6 3.23% $3,606
MUTUAL OF OMAHA MORTGAGE, INC. 5 2.93% $3,168
ALAMEDA MORTGAGE CORPORATION 4 3.31% $4,400
NETWORK CAPITAL FUNDING CORPORATION 4 3.13% $2,484
OCMBC, INC. 4 2.81% $5,474
PRIMARY RESIDENTIAL MORTGAGE, INC. 4 3.16% $7,895
PRIMELENDING, A PLAINSCAPITAL COMPANY 4 3.28% $6,206
PROVIDENT FUNDING ASSOCIATES, L.P. 4 2.91% $2,913
First Republic Bank 4 2.80% $4,052
GUARANTEED RATE AFFINITY, LLC 4 3.09% $4,745
IMPAC MORTGAGE CORP. 4 2.81% $0
InterContinental Capital Group, Inc 4 3.06% $5,493
LAKEVIEW LOAN SERVICING, LLC 4 3.37% $2,631
LAND HOME FINANCIAL SERVICES, INC. 4 3.22% $4,576
LOANPAL, LLC 4 3.28% $6,069
PLANET HOME LENDING, LLC 3 3.29% $4,646
Morgan Stanley Private Bank 3 3.04% $5,325
LEADERONE FINANCIAL CORPORATION 3 3.00% $6,902
HOMESIDE FINANCIAL, LLC 3 2.96% $4,182
Stifel Bank and Trust 3 2.83% $3,337
PLAZA HOME MORTGAGE, INC. 3 2.96% $3,615
AmeriHome Mortgage Company, LLC 3 3.29% $6,304
CHERRY CREEK MORTGAGE, LLC 3 2.92% $1,236
Charles Schwab Bank, SSB 3 2.24% $4,367
Axos Bank 2 3.93% $4,287
Northpointe Bank 2 2.81% $2,447
JMAC LENDING, INC. 2 3.25% $7,732
DIRECTORS MORTGAGE, INC. 2 3.71% $4,826
CHURCHILL MORTGAGE CORPORATION 2 3.88% $9,524
KINECTA 2 3.25% $15,159
Provident Credit Union 2 2.69% $2,251
ARC HOME LLC 2 4.70% $7,324
NFM, INC. 2 2.63% $9,396
NEXERA HOLDING LLC 2 3.81% $6,931
LENDSURE MORTGAGE CORP. 2 3.87% $17,174
PREMIER LENDING, INC. 2 2.81% $4,122
Nations Lending Corporation 2 3.13% $4,572
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 3.13% $6,014
Citizens Bank 2 3.13% $3,335
PHH Mortgage Corporation 2 2.94% $9,335
NBKC BANK 2 2.81% $2,217
The Loan Store, Inc. 2 2.63% $6,831
AMERICAN FINANCING CORPORATION 2 3.06% $3,838
USE Credit Union 2 2.94% $3,218
V.I.P. MORTGAGE, INC. 2 3.00% $3,565
THE GOLDEN 1 2 3.13% $4,225
Watermark Capital, Inc. 2 2.81% $3,087
BNY Mellon 2 2.75% $3,271
Wyndham Capital Mortgage, Inc. 2 2.87% $1,228
BNC National Bank 2 2.81% $6,991
Strong Home Mortgage, LLC 2 2.69% $1,371
SCHOOLSFIRST 2 3.06% $2,718
S1L, Inc. 2 3.38% $4,138
Hometown Lenders, Inc. 2 3.00% $3,776
Ally Bank 2 3.00% $4,588
ZILLOW HOME LOANS, LLC 1 2.88% $3,169
A&D Mortgage LLC 1 5.49% $18,616
Ameris Bank 1 2.99% $5,624
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 5.13% $12,124
AXIA FINANCIAL, LLC 1 3.38% $3,376
Banner Bank 1 3.25% $7,576
BAY EQUITY LLC 1 3.25% $4,018
BBVA USA 1 3.13% $8,592
BEST CAPITAL FUNDING 1 3.38% $4,990
Boston Private Bank & Trust Company 1 2.88% $5,633
CELEBRITY HOME LOANS, LLC 1 3.13% $7,168
CIT Bank 1 3.15% $15,775
Citibank 1 2.88% $3,819
City National Bank 1 2.37% $3,944
CITYWIDE HOME LOANS, LLC 1 2.99% $4,036
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 3.50% $3,389
Crestline Funding Corporation 1 3.13% $3,537
DIRECT MORTGAGE LOANS, LLC 1 2.75% $4,465
EMBRACE HOME LOANS, INC. 1 3.00% $3,746
ENVOY MORTGAGE, LTD 1 3.13% $3,926
FirstBank 1 2.88% $2,166
First Guaranty Mortgage Corporation 1 3.25% $3,115
First Savings Bank 1 3.13% $12,651
GENEVA FINANCIAL, LLC 1 3.63% $10,139
Goldwater Bank, N.A. 1 3.25% $12,283
GUIDANCE RESIDENTIAL, LLC 1 3.25% $3,981
HighTechLending Inc 1 2.50% $7,397
HOMEXPRESS MORTGAGE CORP. 1 4.75% $24,462
INFINITY EQUITY GROUP, INC. 1 2.88% $6,204
INTELLILOAN, INC. 1 3.00% $9,258
KELLER MORTGAGE, LLC 1 2.75% $1,648
KeyBank 1 3.25% $5,368
Lakeview Community Capital, LLC 1 3.38% $1,137
LOGIX FEDERAL CREDIT UNION 1 3.25% $3,818
MASON MCDUFFIE MORTGAGE CORPORATION 1 2.87% $6,132
MICHIGAN MUTUAL, INC. 1 2.63% $4,313
M&T Bank 1 3.25% $2,893
MUFG Union Bank 1 3.00% $5,757
NATIONS DIRECT MORTGAGE, LLC 1 3.75% $10,244
North American Savings Bank, F.S.B. 1 2.63% $2,302
NORWICH COMMERCIAL GROUP, INC. 1 2.75% $2,369
PANORAMA MORTGAGE GROUP, LLC 1 3.50% $9,226
Plains Commerce Bank 1 3.00% $3,671
PREMIER MORTGAGE RESOURCES, L.L.C. 1 3.25% $5,536
Quontic Bank 1 5.63% $19,952
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 3.13% $4,287
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.38% $695
SAN FRANCISCO FEDERAL CREDIT UNION 1 3.00% $4,615
SOFI LENDING CORP. 1 2.75% $2,488
SPRING EQ, LLC 1 2.88% $4,559
Sunflower Bank 1 3.50% $9,605
SUN WEST MORTGAGE COMPANY, INC. 1 3.63% $4,259
TCF National Bank 1 2.88% $3,049
The Federal Savings Bank 1 3.00% $5,918
Third Federal Savings and Loan Association of Cleveland 1 1.99% $3,486
TIAA, FSB 1 3.00% $5,412
TJC Mortgage, Inc. 1 3.25% $5,924
Truist 1 2.99% $5,079
UBS Bank USA 1 3.63% $3,382
USC Credit Union 1 3.00% $4,673
Waterstone Mortgage Corporation 1 3.25% $3,028
5TH STREET CAPITAL, INC. 1 5.75% $4,703

Ukiah Average Closing Costs & Other Stats

Ukiah, CA's 160 lenders originated 2,471 loans during 2021. The total origination value was $845,665,000, with an average loan value of $342,236.

Ukiah's average closing costs are $5,604.

The top Ukiah lender as defined by loan originations is QUICKEN LOANS, LLC, with 222 loans originated. Their average total fees are $5,277, which is $306 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Ukiah lenders (with over 10 loans originated) are Fremont Bank ($1,068), FREEDOM MORTGAGE CORPORATION ($1,844), EVERETT FINANCIAL, INC. ($2,566), REDWOOD ($3,270) and Sierra Pacific Mortgage Company, Inc. ($3,846).

The lowest rate Ukiah lenders (with over 10 loans originated) are BETTER MORTGAGE CORPORATION (2.66%), AMERISAVE MORTGAGE CORPORATION (2.79%), UNITED WHOLESALE MORTGAGE, LLC (2.90%), HOMEBRIDGE FINANCIAL SERVICES, INC. (2.93%) and QUICKEN LOANS, LLC (2.94%).

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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $83,235,000 $97,920,000 17.6% 11.6%
UNITED WHOLESALE MORTGAGE, LLC $51,755,000 $61,095,000 18.0% 7.2%
LOANDEPOT.COM, LLC $45,895,000 $51,015,000 11.2% 6.0%
REDWOOD $48,190,000 $49,970,000 3.7% 5.9%
HOME POINT FINANCIAL CORPORATION $12,970,000 $42,920,000 230.9% 5.1%
CROSSCOUNTRY MORTGAGE, LLC $21,870,000 $24,285,000 11.0% 2.9%
FREEDOM MORTGAGE CORPORATION $23,980,000 $22,215,000 -7.4% 2.6%
Umpqua Bank $22,645,000 $20,405,000 -9.9% 2.4%
FINANCE OF AMERICA MORTGAGE LLC $25,025,000 $20,050,000 -19.9% 2.4%
Wells Fargo Bank $22,850,000 $19,025,000 -16.7% 2.2%
STEARNS LENDING, LLC $33,645,000 $18,275,000 -45.7% 2.2%
Sierra Pacific Mortgage Company, Inc. $9,785,000 $15,610,000 59.5% 1.8%
AMERICAN PACIFIC MORTGAGE CORPORATION $9,545,000 $14,390,000 50.8% 1.7%
CALIBER HOME LOANS, INC. $20,525,000 $13,855,000 -32.5% 1.6%
JPMorgan Chase Bank $11,875,000 $13,445,000 13.2% 1.6%
HOMEBRIDGE FINANCIAL SERVICES, INC. $10,270,000 $11,615,000 13.1% 1.4%
PENNYMAC LOAN SERVICES, LLC $4,915,000 $10,925,000 122.3% 1.3%
GUARANTEED RATE, INC. $9,695,000 $10,860,000 12.0% 1.3%
COMMUNITY FIRST CREDIT UNION $13,260,000 $10,075,000 -24.0% 1.2%
Century Mortgage Company DBA Century Lending Company $9,800,000 n/a 1.2%
Mr. Cooper ( Nationstar Mortgage ) $5,930,000 $9,445,000 59.3% 1.1%
Bank of America $4,780,000 $8,985,000 88.0% 1.1%
BETTER MORTGAGE CORPORATION $5,055,000 $8,650,000 71.1% 1.0%
Flagstar Bank, FSB $16,000,000 $8,640,000 -46.0% 1.0%
EVERETT FINANCIAL, INC. $34,390,000 $7,530,000 -78.1% 0.9%
Paramount Residential Mortgage Group, Inc. $7,920,000 $7,380,000 -6.8% 0.9%
AMERISAVE MORTGAGE CORPORATION $4,035,000 $6,915,000 71.4% 0.8%
U.S. Bank $4,740,000 $6,865,000 44.8% 0.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $6,480,000 $6,820,000 5.2% 0.8%
Boston Private Bank & Trust Company $7,005,000 $6,505,000 -7.1% 0.8%
SUMMIT FUNDING, INC. $8,470,000 $6,165,000 -27.2% 0.7%
CMG MORTGAGE, INC. $6,135,000 $5,995,000 -2.3% 0.7%
BROKER SOLUTIONS, INC. $5,240,000 $5,960,000 13.7% 0.7%
LAKEVIEW LOAN SERVICING, LLC $3,380,000 $5,925,000 75.3% 0.7%
NEWREZ LLC $5,180,000 $5,730,000 10.6% 0.7%
Fremont Bank $3,985,000 $5,150,000 29.2% 0.6%
LENDUS, LLC $5,090,000 $4,545,000 -10.7% 0.5%
MOUNTAIN WEST FINANCIAL, INC. $2,335,000 $4,455,000 90.8% 0.5%
First Republic Bank $2,040,000 $4,435,000 117.4% 0.5%
PARKSIDE LENDING, LLC $6,255,000 $4,415,000 -29.4% 0.5%
HomeStreet Bank $4,315,000 n/a 0.5%
GUILD MORTGAGE COMPANY $5,565,000 $4,190,000 -24.7% 0.5%
Charles Schwab Bank, SSB $5,680,000 $4,125,000 -27.4% 0.5%
KINECTA $4,075,000 n/a 0.5%
AMERICAN FINANCIAL NETWORK, INC. $4,910,000 $3,820,000 -22.2% 0.5%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,315,000 $3,745,000 61.8% 0.4%
Tri Counties Bank $4,475,000 $3,690,000 -17.5% 0.4%
LENDSURE MORTGAGE CORP. $3,410,000 n/a 0.4%
InterContinental Capital Group, Inc $630,000 $3,270,000 419.0% 0.4%
CHERRY CREEK MORTGAGE, LLC $1,540,000 $2,965,000 92.5% 0.4%
GUARANTEED RATE AFFINITY, LLC $1,525,000 $2,920,000 91.5% 0.3%
Mortgage Research Center, LLC $3,215,000 $2,900,000 -9.8% 0.3%
Morgan Stanley Private Bank $2,575,000 $2,525,000 -1.9% 0.3%
PATELCO $985,000 $2,500,000 153.8% 0.3%
Nations Lending Corporation $1,275,000 $2,375,000 86.3% 0.3%
IMPAC MORTGAGE CORP. $205,000 $2,360,000 1,051.2% 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $300,000 $2,260,000 653.3% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $1,830,000 $2,235,000 22.1% 0.3%
LADERA LENDING, INC. $1,310,000 $2,130,000 62.6% 0.3%
SUN WEST MORTGAGE COMPANY, INC. $3,075,000 $2,070,000 -32.7% 0.2%
GREYSTONE SERVICING COMPANY LLC $2,045,000 n/a 0.2%
Mechanics Bank $2,005,000 n/a 0.2%
OCMBC, INC. $670,000 $1,925,000 187.3% 0.2%
Commerce Home Mortgage, Inc. $2,960,000 $1,915,000 -35.3% 0.2%
First Guaranty Mortgage Corporation $800,000 $1,905,000 138.1% 0.2%
FINANCE OF AMERICA REVERSE LLC $1,775,000 $1,825,000 2.8% 0.2%
ANGEL OAK MORTGAGE SOLUTIONS LLC $385,000 $1,690,000 339.0% 0.2%
ALAMEDA MORTGAGE CORPORATION $1,395,000 $1,570,000 12.5% 0.2%
LOANPAL, LLC $1,570,000 n/a 0.2%
OAKTREE FUNDING CORP. $1,495,000 n/a 0.2%
KS StateBank $1,485,000 n/a 0.2%
Lakeview Community Capital, LLC $415,000 $1,480,000 256.6% 0.2%
MID AMERICA MORTGAGE, INC. $975,000 $1,405,000 44.1% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,390,000 n/a 0.2%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $925,000 $1,355,000 46.5% 0.2%
BNY Mellon $605,000 $1,330,000 119.8% 0.2%
LAND HOME FINANCIAL SERVICES, INC. $1,690,000 $1,330,000 -21.3% 0.2%
AMERICAN ADVISORS GROUP $855,000 $1,315,000 53.8% 0.2%
NATIONWIDE EQUITIES CORPORATION $485,000 $1,275,000 162.9% 0.2%
Banner Bank $1,265,000 n/a 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $225,000 $1,260,000 460.0% 0.1%
Hometown Lenders, Inc. $820,000 $1,235,000 50.6% 0.1%
AMWEST FUNDING CORP. $1,140,000 $1,205,000 5.7% 0.1%
CLEARPATH LENDING $945,000 $1,175,000 24.3% 0.1%
S1L, Inc. $1,585,000 $1,175,000 -25.9% 0.1%
KeyBank $535,000 $1,160,000 116.8% 0.1%
PLAZA HOME MORTGAGE, INC. $4,090,000 $1,150,000 -71.9% 0.1%
PLANET HOME LENDING, LLC $700,000 $1,145,000 63.6% 0.1%
Northpointe Bank $1,470,000 $1,135,000 -22.8% 0.1%
CHURCHILL MORTGAGE CORPORATION $1,120,000 n/a 0.1%
FJM PRIVATE MORTGAGE FUND, LLC $1,120,000 $1,120,000 0.0% 0.1%
TCF National Bank $1,370,000 $1,090,000 -20.4% 0.1%
AmeriHome Mortgage Company, LLC $1,085,000 n/a 0.1%
NETWORK CAPITAL FUNDING CORPORATION $915,000 $1,075,000 17.5% 0.1%
USAA Federal Savings Bank $4,615,000 $1,070,000 -76.8% 0.1%
JMAC LENDING, INC. $500,000 $1,050,000 110.0% 0.1%
ARC HOME LLC $365,000 $1,035,000 183.6% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,410,000 $1,005,000 -28.7% 0.1%
NFM, INC. $770,000 $1,000,000 29.9% 0.1%
Sunflower Bank $975,000 n/a 0.1%
SCHOOLSFIRST $1,235,000 $970,000 -21.5% 0.1%
THE GOLDEN 1 $1,060,000 $940,000 -11.3% 0.1%
CIT Bank $935,000 n/a 0.1%
The Loan Store, Inc. $910,000 n/a 0.1%
Citizens Bank $905,000 n/a 0.1%
Quontic Bank $905,000 n/a 0.1%
Citibank $6,185,000 $885,000 -85.7% 0.1%
City National Bank $2,665,000 $885,000 -66.8% 0.1%
REVERSE MORTGAGE FUNDING LLC $530,000 $880,000 66.0% 0.1%
NEXERA HOLDING LLC $2,245,000 $860,000 -61.7% 0.1%
Third Federal Savings and Loan Association of Cleveland $380,000 $860,000 126.3% 0.1%
Truist Bank $855,000 n/a 0.1%
Axos Bank $640,000 $850,000 32.8% 0.1%
NBKC BANK $670,000 $850,000 26.9% 0.1%
HOMEXPRESS MORTGAGE CORP. $845,000 n/a 0.1%
Stifel Bank and Trust $445,000 $845,000 89.9% 0.1%
SPRING EQ, LLC $835,000 n/a 0.1%
North American Savings Bank, F.S.B. $1,450,000 $810,000 -44.1% 0.1%
Exchange Bank $790,000 n/a 0.1%
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY $365,000 $790,000 116.4% 0.1%
USE Credit Union $770,000 n/a 0.1%
LEADERONE FINANCIAL CORPORATION $755,000 n/a 0.1%
ENVOY MORTGAGE, LTD $1,050,000 $750,000 -28.6% 0.1%
HOMESIDE FINANCIAL, LLC $305,000 $725,000 137.7% 0.1%
BBVA USA $1,160,000 $715,000 -38.4% 0.1%
Ally Bank $1,455,000 $710,000 -51.2% 0.1%
Wyndham Capital Mortgage, Inc. $905,000 $710,000 -21.5% 0.1%
MUFG Union Bank $315,000 $705,000 123.8% 0.1%
AMERICAN FINANCING CORPORATION $700,000 n/a 0.1%
BNC National Bank $1,475,000 $690,000 -53.2% 0.1%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $345,000 $670,000 94.2% 0.1%
TRAVIS CREDIT UNION $875,000 $670,000 -23.4% 0.1%
MidFirst Bank $655,000 n/a 0.1%
Provident Credit Union $995,000 $645,000 -35.2% 0.1%
LOANFLIGHT LENDING, LLC $640,000 n/a 0.1%
Strong Home Mortgage, LLC $1,610,000 $640,000 -60.2% 0.1%
PHH Mortgage Corporation $1,255,000 $635,000 -49.4% 0.1%
The Federal Savings Bank $1,150,000 $625,000 -45.7% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $630,000 $610,000 -3.2% 0.1%
STANFORD Federal Credit Union $605,000 n/a 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $255,000 $585,000 129.4% 0.1%
V.I.P. MORTGAGE, INC. $395,000 $580,000 46.8% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $1,000,000 $570,000 -43.0% 0.1%
Carrington Mortgage Services, LLC $875,000 $550,000 -37.1% 0.1%
NEW DAY FINANCIAL, LLC $550,000 n/a 0.1%
Ameris Bank $545,000 n/a 0.1%
CELEBRITY HOME LOANS, LLC $1,440,000 $545,000 -62.2% 0.1%
PANORAMA MORTGAGE GROUP, LLC $255,000 $545,000 113.7% 0.1%
EMBRACE HOME LOANS, INC. $530,000 n/a 0.1%
CIVIC FINANCIAL SERVICES, LLC $525,000 n/a 0.1%
PREMIER LENDING, INC. $1,180,000 $510,000 -56.8% 0.1%
Cf Bank $505,000 n/a 0.1%
GENEVA FINANCIAL, LLC $335,000 $505,000 50.7% 0.1%
Zions Bancorporation, N.A. $255,000 $505,000 98.0% 0.1%
DIRECTORS MORTGAGE, INC. $480,000 n/a 0.1%
FINANCE OF AMERICA COMMERCIAL LLC $475,000 n/a 0.1%
OPEN MORTGAGE, LLC $475,000 n/a 0.1%
TJC Mortgage, Inc. $465,000 n/a 0.1%
A&D Mortgage LLC $455,000 n/a 0.1%
INTELLILOAN, INC. $1,260,000 $455,000 -63.9% 0.1%
Prime Choice Funding Inc. $1,415,000 $445,000 -68.6% 0.1%
LENDINGHOME FUNDING CORPORATION $195,000 $440,000 125.6% 0.1%
ACADEMY MORTGAGE CORPORATION $435,000 n/a 0.1%
BAY EQUITY LLC $435,000 n/a 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $830,000 $435,000 -47.6% 0.1%
Plains Commerce Bank $425,000 n/a 0.1%
BEST CAPITAL FUNDING $255,000 $415,000 62.7% 0.0%
Watermark Capital, Inc. $295,000 $410,000 39.0% 0.0%
Comerica Bank $255,000 $405,000 58.8% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $770,000 $400,000 -48.1% 0.0%
HighTechLending Inc $285,000 $395,000 38.6% 0.0%
SAN FRANCISCO FEDERAL CREDIT UNION $395,000 n/a 0.0%
Arvest Bank $415,000 $385,000 -7.2% 0.0%
CITYWIDE HOME LOANS, LLC $385,000 n/a 0.0%
PACIFIC RESIDENTIAL MORTGAGE, LLC $385,000 n/a 0.0%
BECKAM FUNDING CORP. $375,000 n/a 0.0%
ON Q FINANCIAL, INC. $760,000 $375,000 -50.7% 0.0%
Amerifirst Financial, Inc. $365,000 n/a 0.0%
Bank of the West $1,830,000 $365,000 -80.1% 0.0%
FirstBank $935,000 $365,000 -61.0% 0.0%
SAN FRANCISCO FIRE CREDIT UNION $520,000 $365,000 -29.8% 0.0%
General Mortgage Capital Corporation $355,000 n/a 0.0%
GEORGIA'S OWN $340,000 n/a 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $335,000 n/a 0.0%
Goldwater Bank, N.A. $335,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $335,000 n/a 0.0%
NATIONS DIRECT MORTGAGE, LLC $1,430,000 $335,000 -76.6% 0.0%
First Savings Bank $255,000 $325,000 27.5% 0.0%
KELLER MORTGAGE, LLC $560,000 $325,000 -42.0% 0.0%
Manufacturers and Traders Trust Company $205,000 $325,000 58.5% 0.0%
GUIDANCE RESIDENTIAL, LLC $315,000 n/a 0.0%
NP, Inc. $315,000 n/a 0.0%
Cathay Bank $385,000 $295,000 -23.4% 0.0%
Crestline Funding Corporation $295,000 n/a 0.0%
DIRECT MORTGAGE LOANS, LLC $295,000 n/a 0.0%
Hometown Equity Mortgage, LLC $345,000 $295,000 -14.5% 0.0%
Alaska USA Federal Credit Union $310,000 $290,000 -6.5% 0.0%
BOKF $485,000 $275,000 -43.3% 0.0%
LONGBRIDGE FINANCIAL, LLC $155,000 $275,000 77.4% 0.0%
Low VA Rates, LLC $275,000 n/a 0.0%
MASON MCDUFFIE MORTGAGE CORPORATION $2,155,000 $265,000 -87.7% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $265,000 n/a 0.0%
TOWNE MORTGAGE COMPANY $725,000 $265,000 -63.4% 0.0%
LOGIX FEDERAL CREDIT UNION $105,000 $255,000 142.9% 0.0%
UBS Bank USA $1,995,000 $255,000 -87.2% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $490,000 $245,000 -50.0% 0.0%
SOFI LENDING CORP. $365,000 $235,000 -35.6% 0.0%
ZILLOW HOME LOANS, LLC $1,405,000 $235,000 -83.3% 0.0%
5TH STREET CAPITAL, INC. $225,000 n/a 0.0%
City Bank $225,000 n/a 0.0%
Florida Capital Bank $580,000 $215,000 -62.9% 0.0%
HomePromise Corporation $205,000 n/a 0.0%
USC Credit Union $205,000 n/a 0.0%
Figure Lending LLC $25,000 $200,000 700.0% 0.0%
TIAA, FSB $355,000 $195,000 -45.1% 0.0%
21ST MORTGAGE CORPORATION $935,000 $190,000 -79.7% 0.0%
NORWICH COMMERCIAL GROUP, INC. $185,000 n/a 0.0%
Northwest Farm Credit Services, FLCA $795,000 $175,000 -78.0% 0.0%
Fifth Third Bank $165,000 n/a 0.0%
ONY GLO, INC. $515,000 $165,000 -68.0% 0.0%
Discover Bank $155,000 n/a 0.0%
INFINITY EQUITY GROUP, INC. $155,000 n/a 0.0%
PNC Bank $1,020,000 $155,000 -84.8% 0.0%
RESIDENTIAL BANCORP. $155,000 n/a 0.0%
Waterstone Mortgage Corporation $155,000 n/a 0.0%
Boeing Employees Credit Union $145,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $25,000 $115,000 360.0% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $105,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $105,000 n/a 0.0%
AXIA FINANCIAL, LLC $85,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $160,000 $85,000 -46.9% 0.0%
ALLIANT CREDIT UNION $115,000 $65,000 -43.5% 0.0%
PENTAGON FEDERAL CREDIT UNION $850,000 $55,000 -93.5% 0.0%
BAY $45,000 n/a 0.0%
INTERCAP LENDING INC. $15,000 n/a 0.0%

Ukiah's top lender by overall market share is QUICKEN LOANS, LLC, with 11.6% market share. In second place, with 7.2%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $61,095,000 in loans. In third place, with 6.0%, is LOANDEPOT.COM, LLC, having originated $51,015,000 in loans. In fourth place, with 5.9%, is REDWOOD, having originated $49,970,000 in loans. In fifth place, with 5.1%, is HOME POINT FINANCIAL CORPORATION, having originated $42,920,000 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 $596,071 (3.0%) $900,672 (2.9%) 0.00 413
2019-04-01 $595,000 (1.2%) $899,977 (2.2%) 0.00 417
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%) $942,158 (7.1%) 0.00 449
2019-09-01 $599,000 (-3.8%) $944,781 (8.2%) 0.00 427
2019-10-01 $599,000 (-3.3%) $951,639 (9.8%) 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 (5.3%) $972,270 (8.0%) 0.00 295
2020-04-01 $632,000 (6.2%) $986,760 (9.6%) 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 (19.0%) 0.00 192
2020-09-01 $798,000 (33.2%) $1,242,848 (31.6%) 0.00 190
2020-10-01 $779,000 (30.1%) $1,252,916 (31.7%) 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 $662,000 (-11.4%) $1,071,404 (-11.5%) 0.00 299
2022-07-01 $637,500 (-18.3%) $996,796 (-21.0%) 0.00 324
2022-08-01 $613,750 (-20.0%) $971,989 (-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%) $1,038,800 (-18.2%) 0.00 313
Ukiah's median listing price for 2022-10-01 was $621,000, a difference of $-126,500 (-16.9%) versus the prior year and $-7,000 versus the prior month.

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

Ukiah's average listing price for 2022-10-01 was $1,038,800, a difference of $-231,657 (-18.2%) versus the prior year and $4,791 versus the prior month.

For the 2022-10-01 period, Ukiah had 313 MLS listings, a difference of 3 listings (1%) versus the prior month and 101 listings (48%) 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 1,750 sqft
2018-02-01 0 days 1,720 sqft
2018-03-01 0 days 1,720 sqft
2018-04-01 0 days 1,718 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 1,644 sqft
2019-02-01 0 days 1,636 sqft
2019-03-01 0 days 1,645 sqft
2019-04-01 0 days 1,640 sqft
2019-05-01 0 days 1,692 sqft
2019-06-01 0 days 1,670 sqft
2019-07-01 0 days 1,688 sqft
2019-08-01 0 days 1,704 sqft
2019-09-01 0 days 1,711 sqft
2019-10-01 0 days 1,715 sqft
2019-11-01 0 days 1,711 sqft
2019-12-01 0 days 1,726 sqft
2020-01-01 0 days 1,730 sqft
2020-02-01 0 days 1,800 sqft
2020-03-01 0 days 1,712 sqft
2020-04-01 0 days 1,678 sqft
2020-05-01 0 days 1,700 sqft
2020-06-01 0 days 1,751 sqft
2020-07-01 0 days 1,817 sqft
2020-08-01 0 days 1,900 sqft
2020-09-01 0 days 1,910 sqft
2020-10-01 0 days 1,832 sqft
2020-11-01 0 days 1,850 sqft
2020-12-01 0 days 1,843 sqft
2021-01-01 0 days 1,800 sqft
2021-02-01 0 days 1,838 sqft
2021-03-01 0 days 1,873 sqft
2021-04-01 0 days 1,898 sqft
2021-05-01 0 days 1,788 sqft
2021-06-01 0 days 1,690 sqft
2021-07-01 0 days 1,644 sqft
2021-08-01 0 days 1,651 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 1,778 sqft
2022-01-01 0 days 1,800 sqft
2022-02-01 0 days 1,662 sqft
2022-03-01 0 days 1,669 sqft
2022-04-01 0 days 1,663 sqft
2022-05-01 0 days 1,631 sqft
2022-06-01 0 days 1,592 sqft
2022-07-01 0 days 1,600 sqft
2022-08-01 0 days 1,609 sqft
2022-09-01 0 days 1,675 sqft
2022-10-01 0 days 1,700 sqft
Ukiah's median listing age (time on market) for 2022-10-01 was 0 days.

Ukiah's median square footage for active listings during the 2022-10-01 period was 1,700 sqft. One year prior, the average listing was 1,680 sqft.

Ukiah, CA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 1,035 $337,075,000 $325,676
Home Purchase 670 $282,770,000 $422,045
Cash Out Refi 626 $195,140,000 $311,725
Other 71 $18,975,000 $267,254
Home Improvement 69 $11,705,000 $169,638

Ukiah's most frequently cited loan purpose was Refi, with 1,035 originations. The 2nd most popular reason was Home Purchase, with 670 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,123 $385,185,000 $342,996
3-4% 764 $288,540,000 $377,670
<2.5% 419 $131,805,000 $314,570
4-5% 114 $28,540,000 $250,351
5-6% 29 $6,835,000 $235,690
6-7% 12 $1,380,000 $115,000
7-8% 4 $1,260,000 $315,000
Over 8% 3 $965,000 $321,667

During 2021, Ukiah's most frequently originated rate bucket was 2.5-3%, with 1,123 originations.

Loan Sizing (Ukiah, CA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,321 $395,655,000 $299,512
$400k-600k 568 $270,300,000 $475,880
$100k-200k 362 $56,440,000 $155,912
$600k-1000k 97 $69,805,000 $719,639
$100,000 or less 93 $5,265,000 $56,613
$Over $1MM 30 $48,200,000 $1,606,667

Ukiah's loan sizing saw the bucket of loans from $200k-400k with 1,321 originations, totaling $395,655,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 828 $330,580,000 $399,251
40-60% 609 $193,515,000 $317,759
80-100% 506 $210,800,000 $416,601
20-40% 321 $71,825,000 $223,754
Under 20% 123 $11,285,000 $91,748
Over 100% 6 $3,030,000 $505,000

Ukiah's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 828 originations, totaling $330,580,000 in origination value.