VISALIA Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Visalia averaged
6.74%
for the week of 2024-07-18, compared to the national average of
6.77% for the same period.
The average rate for the prior week (2024-07-11) was
6.96% and
one month ago for the week of 2024-06-13, the
average rate was 7.02%.
Visalia's average rate one year ago was 6.73%.
For refis of the same type during the week of 2024-07-18, the average rate
was 7.11%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-07-18 | 6.77% |
| Visalia 30 Year Fixed Rate | 2024-07-18 | 6.74% |
| Visalia 30 Year Fixed Rate Refi | 2024-07-18 | 7.11% |
| Visalia 15 Year Fixed Rate | 2024-07-18 | 6.15% |
| Visalia 15 Year Fixed Rate Refi | 2024-07-18 | 6.25% |
| Visalia 30 Year FHA | 2024-07-18 | 6.01% |
| Visalia 30 Year FHA Refi | 2024-07-18 | 6.39% |
| Visalia 30 Year USDA | 2024-07-18 | 6.83% |
| Visalia 30 Year USDA Refi | 2024-07-18 | 6.43% |
| Visalia 30 Year VA | 2024-07-18 | 5.83% |
| Visalia 30 Year VA Refi | 2024-07-18 | 6.3% |
VISALIA 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 VISALIA, 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.).
VISALIA Average Closing Costs & Other Stats
VISALIA, CA's 154 lenders originated 4,377
loans during 2023. The total origination value was $1,169,225,000, with an average loan value of
$267,129.
VISALIA's average closing costs are $6,565.
The top VISALIA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
202 loans originated. Their average total fees are
$10,209, which is $2,854
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee VISALIA lenders (with over 10 loans originated) are
Educational Employees Credit Union ($2,397), DHI MORTGAGE COMPANY, LTD. ($4,028), Bank of America ($4,046), Wells Fargo Bank ($5,180) and MASON MCDUFFIE MORTGAGE CORPORATION ($6,089).
The lowest rate VISALIA lenders (with over 10 loans originated) are
PANORAMA MORTGAGE GROUP, LLC (5.13%), DHI MORTGAGE COMPANY, LTD. (5.75%), Educational Employees Credit Union (5.77%), FBC MORTGAGE, LLC (6.08%) and EAGLE HOME MORTGAGE, LLC (6.08%).
VISALIA, 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 | $175,140,000 | $137,185,000 | -21.7% | 11.7% |
| Commerce Home Mortgage, Inc. | $117,545,000 | $77,715,000 | -33.9% | 6.6% |
| QUICKEN LOANS, LLC | $164,950,000 | $72,545,000 | -56.0% | 6.2% |
| DHI MORTGAGE COMPANY, LTD. | $32,140,000 | $67,440,000 | 109.8% | 5.8% |
| ALAMEDA MORTGAGE CORPORATION | $34,380,000 | $62,020,000 | 80.4% | 5.3% |
| EAGLE HOME MORTGAGE, LLC | $32,885,000 | $37,990,000 | 15.5% | 3.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $42,885,000 | $27,585,000 | -35.7% | 2.4% |
| CALIBER HOME LOANS, INC. | $84,220,000 | $26,300,000 | -68.8% | 2.2% |
| Banner Bank | $15,740,000 | $22,675,000 | 44.1% | 1.9% |
| JPMorgan Chase Bank | $18,300,000 | $20,665,000 | 12.9% | 1.8% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $18,610,000 | $20,655,000 | 11.0% | 1.8% |
| PENNYMAC LOAN SERVICES, LLC | $41,990,000 | $19,685,000 | -53.1% | 1.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $30,310,000 | $18,070,000 | -40.4% | 1.5% |
| Educational Employees Credit Union | $21,675,000 | $17,530,000 | -19.1% | 1.5% |
| NEWREZ LLC | $12,155,000 | $15,770,000 | 29.7% | 1.3% |
| U.S. Bank | $10,020,000 | $14,430,000 | 44.0% | 1.2% |
| Century Mortgage Company DBA Century Lending Company | $6,650,000 | $13,140,000 | 97.6% | 1.1% |
| FBC MORTGAGE, LLC | $2,200,000 | $12,790,000 | 481.4% | 1.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $22,480,000 | $12,320,000 | -45.2% | 1.1% |
| CMG MORTGAGE, INC. | $13,780,000 | $12,140,000 | -11.9% | 1.0% |
| Sierra Pacific Mortgage Company, Inc. | $9,685,000 | $12,055,000 | 24.5% | 1.0% |
| Bank of America | $21,485,000 | $11,765,000 | -45.2% | 1.0% |
| LOANDEPOT.COM, LLC | $38,450,000 | $10,910,000 | -71.6% | 0.9% |
| INSPIRE HOME LOANS INC. | $10,685,000 | n/a | 0.9% | |
| MLD MORTGAGE INC. | $21,270,000 | $10,245,000 | -51.8% | 0.9% |
| PLAZA HOME MORTGAGE, INC. | $12,020,000 | $10,180,000 | -15.3% | 0.9% |
| Mortgage Research Center, LLC | $16,480,000 | $9,140,000 | -44.5% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $36,705,000 | $9,025,000 | -75.4% | 0.8% |
| Wells Fargo Bank | $27,220,000 | $9,020,000 | -66.9% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $35,435,000 | $8,585,000 | -75.8% | 0.7% |
| GUILD MORTGAGE COMPANY | $11,035,000 | $8,375,000 | -24.1% | 0.7% |
| COASTAL FUNDING SLC, INC. | $700,000 | $8,340,000 | 1,091.4% | 0.7% |
| PANORAMA MORTGAGE GROUP, LLC | $2,360,000 | $8,175,000 | 246.4% | 0.7% |
| OCMBC, INC. | $4,455,000 | $8,070,000 | 81.1% | 0.7% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $18,570,000 | $6,685,000 | -64.0% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $9,840,000 | $6,645,000 | -32.5% | 0.6% |
| LENDINGHOME FUNDING CORPORATION | $10,750,000 | $5,820,000 | -45.9% | 0.5% |
| Flagstar Bank, FSB | $11,570,000 | $5,445,000 | -52.9% | 0.5% |
| PNC Bank | $9,575,000 | $5,380,000 | -43.8% | 0.5% |
| Self-Help Federal Credit Union | $4,740,000 | $5,375,000 | 13.4% | 0.5% |
| Platinum Home Mortgage Corporation | $20,615,000 | $5,260,000 | -74.5% | 0.4% |
| Mechanics Bank | $3,495,000 | $5,125,000 | 46.6% | 0.4% |
| SAFE 1 CREDIT UNION | $6,025,000 | $5,110,000 | -15.2% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $13,930,000 | $4,965,000 | -64.4% | 0.4% |
| Carrington Mortgage Services, LLC | $7,910,000 | $4,885,000 | -38.2% | 0.4% |
| AMWEST FUNDING CORP. | $4,485,000 | $4,815,000 | 7.4% | 0.4% |
| BMO Harris Bank | $1,350,000 | $4,705,000 | 248.5% | 0.4% |
| GUARANTEED RATE, INC. | $46,585,000 | $4,645,000 | -90.0% | 0.4% |
| LOANPAL, LLC | $9,380,000 | $4,250,000 | -54.7% | 0.4% |
| Golden Empire Mortgage, Inc. | $2,725,000 | $4,080,000 | 49.7% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $7,155,000 | $4,015,000 | -43.9% | 0.3% |
| JMAC LENDING, INC. | $925,000 | $3,985,000 | 330.8% | 0.3% |
| VERITAS FUNDING, LLC | $3,735,000 | $3,895,000 | 4.3% | 0.3% |
| CARDINAL FINANCIAL | $20,775,000 | $3,865,000 | -81.4% | 0.3% |
| ALTITUDE FINANCIAL CORPORATION | $3,790,000 | n/a | 0.3% | |
| Zions Bank | $3,475,000 | $3,780,000 | 8.8% | 0.3% |
| Tri Counties Bank | $7,805,000 | $3,620,000 | -53.6% | 0.3% |
| RESIDENTIAL BANCORP | $19,985,000 | $3,495,000 | -82.5% | 0.3% |
| Discover Bank | $2,555,000 | $3,395,000 | 32.9% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $7,075,000 | $3,265,000 | -53.9% | 0.3% |
| East West Bank | $3,205,000 | n/a | 0.3% | |
| TULARE COUNTY | $8,850,000 | $3,165,000 | -64.2% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,840,000 | $3,055,000 | -20.4% | 0.3% |
| THE GOLDEN 1 | $3,085,000 | $3,015,000 | -2.3% | 0.3% |
| SUMMIT FUNDING, INC. | $2,245,000 | $2,990,000 | 33.2% | 0.3% |
| BECKAM FUNDING CORP. | $490,000 | $2,890,000 | 489.8% | 0.2% |
| PLANET HOME LENDING, LLC | $1,905,000 | $2,890,000 | 51.7% | 0.2% |
| VALLEY STRONG CREDIT UNION | $6,930,000 | $2,835,000 | -59.1% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $3,015,000 | $2,735,000 | -9.3% | 0.2% |
| Figure Lending LLC | $2,720,000 | $2,730,000 | 0.4% | 0.2% |
| Equity Prime Mortgage LLC | $4,190,000 | $2,630,000 | -37.2% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $2,600,000 | n/a | 0.2% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $11,625,000 | $2,435,000 | -79.1% | 0.2% |
| BROKER SOLUTIONS, INC. | $12,880,000 | $2,315,000 | -82.0% | 0.2% |
| NEW DAY FINANCIAL, LLC | $2,960,000 | $2,295,000 | -22.5% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $1,525,000 | $2,280,000 | 49.5% | 0.2% |
| ACADEMY MORTGAGE CORPORATION | $1,415,000 | $2,180,000 | 54.1% | 0.2% |
| Truist | $630,000 | $2,165,000 | 243.7% | 0.2% |
| Northwest Farm Credit Services, FLCA | $3,320,000 | $2,140,000 | -35.5% | 0.2% |
| MID AMERICA MORTGAGE, INC. | $2,000,000 | n/a | 0.2% | |
| Citibank | $3,580,000 | $1,975,000 | -44.8% | 0.2% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,970,000 | n/a | 0.2% | |
| LONGBRIDGE FINANCIAL, LLC | $1,555,000 | $1,870,000 | 20.3% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $2,620,000 | $1,830,000 | -30.2% | 0.2% |
| NEW WAVE LENDING GROUP INC | $1,505,000 | $1,635,000 | 8.6% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $490,000 | $1,515,000 | 209.2% | 0.1% |
| DIGNIFIED HOME LOANS, LLC | $1,515,000 | $1,455,000 | -4.0% | 0.1% |
| ENVOY MORTGAGE, LTD | $2,300,000 | $1,455,000 | -36.7% | 0.1% |
| NP, Inc. | $1,455,000 | n/a | 0.1% | |
| NEXERA HOLDING LLC | $400,000 | $1,435,000 | 258.8% | 0.1% |
| 21ST MORTGAGE CORPORATION | $1,740,000 | $1,410,000 | -19.0% | 0.1% |
| EVERETT FINANCIAL, INC. | $2,640,000 | $1,400,000 | -47.0% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $2,775,000 | $1,390,000 | -49.9% | 0.1% |
| SCHOOLSFIRST | $4,300,000 | $1,375,000 | -68.0% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,450,000 | $1,325,000 | -8.6% | 0.1% |
| First Northern Bank of Dixon | $1,315,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $4,245,000 | $1,305,000 | -69.3% | 0.1% |
| NexBank | $1,140,000 | $1,305,000 | 14.5% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,905,000 | $1,280,000 | -55.9% | 0.1% |
| USAA Federal Savings Bank | $2,170,000 | $1,275,000 | -41.2% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $595,000 | $1,235,000 | 107.6% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $1,590,000 | $1,200,000 | -24.5% | 0.1% |
| NMSI, INC. | $1,210,000 | $1,110,000 | -8.3% | 0.1% |
| Coastal Community Bank | $1,070,000 | n/a | 0.1% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,040,000 | $1,015,000 | -2.4% | 0.1% |
| Hometown Equity Mortgage, LLC | $5,345,000 | $1,010,000 | -81.1% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $8,515,000 | $1,005,000 | -88.2% | 0.1% |
| UBS Bank USA | $720,000 | $1,005,000 | 39.6% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $1,660,000 | $990,000 | -40.4% | 0.1% |
| Noble Federal Credit Union | $1,775,000 | $975,000 | -45.1% | 0.1% |
| ALLIANT CREDIT UNION | $605,000 | $955,000 | 57.9% | 0.1% |
| First Savings Bank | $225,000 | $950,000 | 322.2% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $2,750,000 | $945,000 | -65.6% | 0.1% |
| NBKC BANK | $1,445,000 | $935,000 | -35.3% | 0.1% |
| INTERCAP LENDING INC. | $925,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $780,000 | $920,000 | 17.9% | 0.1% |
| MORTGAGEONE, INC. | $850,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $1,370,000 | $825,000 | -39.8% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,790,000 | $825,000 | -53.9% | 0.1% |
| MICHIGAN MUTUAL, INC. | $1,135,000 | $815,000 | -28.2% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $4,335,000 | $805,000 | -81.4% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $820,000 | $790,000 | -3.7% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $85,000 | $785,000 | 823.5% | 0.1% |
| MID-VALLEY SERVICES, INC. | $1,125,000 | $785,000 | -30.2% | 0.1% |
| Citadel Servicing Corporation | $1,505,000 | $765,000 | -49.2% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $605,000 | $765,000 | 26.4% | 0.1% |
| HomeTrust Bank | $760,000 | n/a | 0.1% | |
| San Joaquin Power Employees Credit Union | $760,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $4,065,000 | $745,000 | -81.7% | 0.1% |
| First Interstate Bank | $725,000 | n/a | 0.1% | |
| Franklin Loan Corporation | $760,000 | $720,000 | -5.3% | 0.1% |
| BAY-VALLEY MORTGAGE GROUP | $710,000 | n/a | 0.1% | |
| ONY GLO, INC. | $950,000 | $685,000 | -27.9% | 0.1% |
| Magnolia Bank | $1,175,000 | $680,000 | -42.1% | 0.1% |
| The Loan Store, Inc. | $680,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $1,345,000 | $680,000 | -49.4% | 0.1% |
| VISION ONE MORTGAGE, INC. | $795,000 | $680,000 | -14.5% | 0.1% |
| ARC HOME LLC | $1,350,000 | $675,000 | -50.0% | 0.1% |
| Farmers Bank & Trust | $95,000 | $675,000 | 610.5% | 0.1% |
| VAL-CHRIS INVESTMENTS, INC. | $670,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $380,000 | $655,000 | 72.4% | 0.1% |
| CITYWIDE HOME LOANS, LLC | $1,580,000 | $655,000 | -58.5% | 0.1% |
| General Mortgage Capital Corporation | $555,000 | $650,000 | 17.1% | 0.1% |
| Greenbox Loans, Inc. | $2,075,000 | $645,000 | -68.9% | 0.1% |
| North American Savings Bank, F.S.B. | $420,000 | $645,000 | 53.6% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $550,000 | $645,000 | 17.3% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $665,000 | $625,000 | -6.0% | 0.1% |
| Citizens Business Bank | $11,360,000 | $620,000 | -94.5% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $620,000 | n/a | 0.1% | |
| Evolve Bank & Trust | $425,000 | $585,000 | 37.6% | 0.1% |
| Valley National Bank | $580,000 | n/a | 0.0% | |
| Bank of Stockton | $165,000 | $575,000 | 248.5% | 0.0% |
| FIRST CENTENNIAL MORTGAGE CORPORATION | $575,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $565,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $900,000 | $560,000 | -37.8% | 0.0% |
| First National Bank of America | $1,550,000 | $530,000 | -65.8% | 0.0% |
| S1L, Inc. | $1,250,000 | $530,000 | -57.6% | 0.0% |
| AmeriHome Mortgage Company, LLC | $6,945,000 | $520,000 | -92.5% | 0.0% |
| CHERRY CREEK MORTGAGE, LLC | $855,000 | $505,000 | -40.9% | 0.0% |
| BM Real Estate Services, Inc. | $1,345,000 | $500,000 | -62.8% | 0.0% |
| LENDSURE MORTGAGE CORP. | $1,725,000 | $490,000 | -71.6% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $2,380,000 | $485,000 | -79.6% | 0.0% |
| SCENIC OAKS FUNDING, INC. | $245,000 | $485,000 | 98.0% | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | $475,000 | n/a | 0.0% | |
| Pilgrim Bank | $465,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $465,000 | n/a | 0.0% | |
| Alaska USA Federal Credit Union | $450,000 | n/a | 0.0% | |
| Boeing Employees Credit Union | $440,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $430,000 | $425,000 | -1.2% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $1,295,000 | $420,000 | -67.6% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $415,000 | n/a | 0.0% | |
| BETTER MORTGAGE CORPORATION | $2,030,000 | $415,000 | -79.6% | 0.0% |
| NFM, INC. | $415,000 | n/a | 0.0% | |
| Firefighters First Federal Credit Union | $980,000 | $410,000 | -58.2% | 0.0% |
| Watermark Capital, Inc. | $675,000 | $405,000 | -40.0% | 0.0% |
| LOGIX FEDERAL CREDIT UNION | $1,600,000 | $400,000 | -75.0% | 0.0% |
| The Federal Savings Bank | $4,215,000 | $395,000 | -90.6% | 0.0% |
| COMMUNITY MORTGAGE FUNDING, LLC | $390,000 | n/a | 0.0% | |
| NATIONS DIRECT MORTGAGE, LLC | $3,545,000 | $390,000 | -89.0% | 0.0% |
| Ally Bank | $2,195,000 | $385,000 | -82.5% | 0.0% |
| Morgan Stanley Private Bank | $4,070,000 | $385,000 | -90.5% | 0.0% |
| KD CAPITAL MORTGAGE CORPORATION | $380,000 | n/a | 0.0% | |
| INTERNATIONAL CITY MORTGAGE, INC. | $375,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $370,000 | n/a | 0.0% | |
| Baxter Credit Union | $350,000 | $355,000 | 1.4% | 0.0% |
| PACIFIC SERVICE | $35,000 | $355,000 | 914.3% | 0.0% |
| SOUTHLAND CREDIT UNION | $355,000 | n/a | 0.0% | |
| MORTGAGE CAPITAL PARTNERS, INC. | $420,000 | $335,000 | -20.2% | 0.0% |
| BRIDGELOCK CAPITAL | $315,000 | n/a | 0.0% | |
| First Federal Bank of Kansas City | $315,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $850,000 | $315,000 | -62.9% | 0.0% |
| Provident Credit Union | $1,010,000 | $315,000 | -68.8% | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | $315,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $315,000 | n/a | 0.0% | |
| Arvest Bank | $1,115,000 | $305,000 | -72.6% | 0.0% |
| California Coast Credit Union | $145,000 | $305,000 | 110.3% | 0.0% |
| EMM LOANS LLC | $280,000 | $305,000 | 8.9% | 0.0% |
| JMJ FINANCIAL GROUP | $775,000 | $305,000 | -60.6% | 0.0% |
| KeyBank | $9,310,000 | $305,000 | -96.7% | 0.0% |
| Northpointe Bank | $3,690,000 | $305,000 | -91.7% | 0.0% |
| LADERA LENDING, INC. | $2,595,000 | $300,000 | -88.4% | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $295,000 | n/a | 0.0% | |
| Utah Mortgage Loan Corporation | $295,000 | n/a | 0.0% | |
| Capital Bank | $285,000 | n/a | 0.0% | |
| CENTRAL COAST LENDING, INC. | $420,000 | $285,000 | -32.1% | 0.0% |
| DRAPER AND KRAMER MORTGAGE CORP. | $990,000 | $285,000 | -71.2% | 0.0% |
| SAFE CREDIT UNION | $285,000 | n/a | 0.0% | |
| TruHome Solutions, LLC | $285,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $2,495,000 | $285,000 | -88.6% | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | $285,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $2,095,000 | $270,000 | -87.1% | 0.0% |
| BAY EQUITY LLC | $1,445,000 | $265,000 | -81.7% | 0.0% |
| Performance Financial, Inc. | $265,000 | n/a | 0.0% | |
| HOME APPROVALS DIRECT, INC. | $965,000 | $255,000 | -73.6% | 0.0% |
| Plains Commerce Bank | $255,000 | n/a | 0.0% | |
| POINT Mortgage | $255,000 | n/a | 0.0% | |
| SACRAMENTO Credit Union | $255,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $1,435,000 | $250,000 | -82.6% | 0.0% |
| PHH Mortgage Corporation | $2,295,000 | $240,000 | -89.5% | 0.0% |
| Comerica Bank | $235,000 | n/a | 0.0% | |
| Nations Lending Corporation | $860,000 | $235,000 | -72.7% | 0.0% |
| Prosperity Home Mortgage, LLC | $255,000 | $235,000 | -7.8% | 0.0% |
| The Huntington National Bank | $235,000 | n/a | 0.0% | |
| CLEARPATH LENDING | $1,585,000 | $225,000 | -85.8% | 0.0% |
| MK LENDING CORP. | $225,000 | n/a | 0.0% | |
| WALL FINANCIAL, INC. | $215,000 | n/a | 0.0% | |
| Cornerstone First Mortgage, Inc | $1,250,000 | $205,000 | -83.6% | 0.0% |
| FINANCE OF AMERICA MORTGAGE LLC | $60,100,000 | $205,000 | -99.7% | 0.0% |
| AHL FUNDING | $195,000 | n/a | 0.0% | |
| FAMILIES AND SCHOOLS TOGETHER FEDERAL CREDIT UNION | $425,000 | $195,000 | -54.1% | 0.0% |
| KINECTA | $385,000 | $195,000 | -49.4% | 0.0% |
| Equity Bank | $185,000 | n/a | 0.0% | |
| FAY SERVICING, LLC | $270,000 | $185,000 | -31.5% | 0.0% |
| WESCOM CENTRAL CREDIT UNION | $235,000 | $180,000 | -23.4% | 0.0% |
| First National Bank of Omaha | $175,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $11,270,000 | $165,000 | -98.5% | 0.0% |
| Financial Partners Credit Union | $255,000 | $160,000 | -37.3% | 0.0% |
| TRAVIS CREDIT UNION | $195,000 | $160,000 | -17.9% | 0.0% |
| Mortgage Vintage, Inc. | $145,000 | n/a | 0.0% | |
| MOUNTAIN WEST FINANCIAL, INC. | $1,775,000 | $145,000 | -91.8% | 0.0% |
| Bethpage Federal Credit Union | $800,000 | $135,000 | -83.1% | 0.0% |
| CANVAS CREDIT UNION | $125,000 | $135,000 | 8.0% | 0.0% |
| Connexus Credit Union | $125,000 | n/a | 0.0% | |
| CHEVRON | $120,000 | n/a | 0.0% | |
| ORANGE COUNTY'S CREDIT UNION | $115,000 | n/a | 0.0% | |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | $105,000 | n/a | 0.0% | |
| SCE FEDERAL CREDIT UNION | $95,000 | n/a | 0.0% | |
| THE POLICE Credit Union | $45,000 | $90,000 | 100.0% | 0.0% |
| INTELLILOAN, INC. | $825,000 | $65,000 | -92.1% | 0.0% |
| NuVision Federal Credit Union | $200,000 | $55,000 | -72.5% | 0.0% |
| STANFORD Federal Credit Union | $325,000 | $55,000 | -83.1% | 0.0% |
| THE FIRST FINANCIAL Federal Credit Union | $445,000 | $55,000 | -87.6% | 0.0% |
| Umpqua Bank | $1,015,000 | $55,000 | -94.6% | 0.0% |
| Fremont Bank | $455,000 | $45,000 | -90.1% | 0.0% |
| Service Federal Credit Union | $45,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $45,000 | n/a | 0.0% | |
| STAR ONE CREDIT UNION | $270,000 | $25,000 | -90.7% | 0.0% |
| USC Credit Union | $25,000 | n/a | 0.0% | |
| CITIZENS EQUITY FIRST | $105,000 | $15,000 | -85.7% | 0.0% |
VISALIA's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 11.7% market share. In second place, with 6.6%, is Commerce Home Mortgage, Inc., having originated $77,715,000 in loans. In third place, with 6.2%, is QUICKEN LOANS, LLC, having originated $72,545,000 in loans. In fourth place, with 5.8%, is DHI MORTGAGE COMPANY, LTD., having originated $67,440,000 in loans. In fifth place, with 5.3%, is ALAMEDA MORTGAGE CORPORATION, having originated $62,020,000 in loans.
VISALIA, CA Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 93201 | Visalia-Porterville, CA MSA | $840 | $840 | $1,050 | $1,490 | $1,620 |
| 93207 | Visalia-Porterville, CA MSA | $830 | $850 | $1,120 | $1,560 | $1,800 |
| 93208 | Visalia-Porterville, CA MSA | $860 | $880 | $1,160 | $1,610 | $1,860 |
| 93212 | Visalia-Porterville, CA MSA | $910 | $920 | $1,140 | $1,620 | $1,850 |
| 93215 | Visalia-Porterville, CA MSA | $800 | $800 | $1,050 | $1,490 | $1,790 |
| 93218 | Visalia-Porterville, CA MSA | $710 | $730 | $960 | $1,340 | $1,540 |
| 93219 | Visalia-Porterville, CA MSA | $690 | $700 | $920 | $1,300 | $1,570 |
| 93221 | Visalia-Porterville, CA MSA | $820 | $840 | $1,110 | $1,540 | $1,780 |
| 93223 | Visalia-Porterville, CA MSA | $690 | $710 | $940 | $1,310 | $1,510 |
| 93227 | Visalia-Porterville, CA MSA | $830 | $850 | $1,120 | $1,560 | $1,800 |
| 93230 | Visalia-Porterville, CA MSA | $1,020 | $1,020 | $1,270 | $1,800 | $2,060 |
| 93235 | Visalia-Porterville, CA MSA | $730 | $750 | $990 | $1,380 | $1,590 |
| 93238 | Visalia-Porterville, CA MSA | $730 | $730 | $960 | $1,370 | $1,640 |
| 93244 | Visalia-Porterville, CA MSA | $870 | $890 | $1,170 | $1,620 | $1,870 |
| 93247 | Visalia-Porterville, CA MSA | $690 | $710 | $930 | $1,290 | $1,490 |
| 93256 | Visalia-Porterville, CA MSA | $720 | $740 | $980 | $1,360 | $1,570 |
| 93257 | Visalia-Porterville, CA MSA | $860 | $880 | $1,160 | $1,610 | $1,860 |
| 93258 | Visalia-Porterville, CA MSA | $710 | $730 | $960 | $1,340 | $1,540 |
| 93260 | Visalia-Porterville, CA MSA | $830 | $850 | $1,120 | $1,560 | $1,800 |
| 93261 | Visalia-Porterville, CA MSA | $680 | $690 | $910 | $1,270 | $1,470 |
| 93262 | Visalia-Porterville, CA MSA | $860 | $880 | $1,160 | $1,620 | $1,880 |
| 93265 | Visalia-Porterville, CA MSA | $860 | $880 | $1,160 | $1,610 | $1,860 |
| 93267 | Visalia-Porterville, CA MSA | $690 | $710 | $940 | $1,310 | $1,510 |
| 93270 | Visalia-Porterville, CA MSA | $720 | $740 | $970 | $1,350 | $1,560 |
| 93271 | Visalia-Porterville, CA MSA | $1,080 | $1,110 | $1,460 | $2,030 | $2,340 |
| 93272 | Visalia-Porterville, CA MSA | $850 | $870 | $1,150 | $1,600 | $1,840 |
| 93274 | Visalia-Porterville, CA MSA | $860 | $890 | $1,170 | $1,630 | $1,880 |
| 93275 | Visalia-Porterville, CA MSA | $830 | $850 | $1,120 | $1,560 | $1,800 |
| 93277 | Visalia-Porterville, CA MSA | $860 | $890 | $1,170 | $1,630 | $1,880 |
| 93278 | Visalia-Porterville, CA MSA | $830 | $850 | $1,120 | $1,560 | $1,800 |
| 93279 | Visalia-Porterville, CA MSA | $830 | $850 | $1,120 | $1,560 | $1,800 |
| 93286 | Visalia-Porterville, CA MSA | $690 | $710 | $930 | $1,290 | $1,490 |
| 93290 | Visalia-Porterville, CA MSA | $830 | $850 | $1,120 | $1,560 | $1,800 |
| 93291 | Visalia-Porterville, CA MSA | $860 | $880 | $1,160 | $1,610 | $1,860 |
| 93292 | Visalia-Porterville, CA MSA | $1,000 | $1,030 | $1,350 | $1,880 | $2,170 |
| 93527 | Visalia-Porterville, CA MSA | $900 | $910 | $1,190 | $1,690 | $2,020 |
| 93603 | Visalia-Porterville, CA MSA | $990 | $1,010 | $1,330 | $1,860 | $2,140 |
| 93615 | Visalia-Porterville, CA MSA | $810 | $840 | $1,100 | $1,530 | $1,760 |
| 93618 | Visalia-Porterville, CA MSA | $820 | $840 | $1,100 | $1,530 | $1,770 |
| 93619 | Visalia-Porterville, CA MSA | $1,490 | $1,500 | $1,890 | $2,660 | $3,050 |
| 93631 | Visalia-Porterville, CA MSA | $980 | $990 | $1,260 | $1,770 | $2,030 |
| 93633 | Visalia-Porterville, CA MSA | $910 | $920 | $1,190 | $1,670 | $1,910 |
| 93641 | Visalia-Porterville, CA MSA | $990 | $1,000 | $1,260 | $1,770 | $2,030 |
| 93646 | Visalia-Porterville, CA MSA | $810 | $820 | $1,030 | $1,450 | $1,670 |
| 93647 | Visalia-Porterville, CA MSA | $810 | $820 | $1,040 | $1,450 | $1,670 |
| 93654 | Visalia-Porterville, CA MSA | $970 | $980 | $1,240 | $1,740 | $2,000 |
| 93666 | Visalia-Porterville, CA MSA | $720 | $740 | $980 | $1,360 | $1,570 |
| 93670 | Visalia-Porterville, CA MSA | $830 | $850 | $1,120 | $1,560 | $1,800 |
| 93673 | Visalia-Porterville, CA MSA | $720 | $740 | $970 | $1,350 | $1,560 |
| 93675 | Visalia-Porterville, CA MSA | $840 | $850 | $1,080 | $1,520 | $1,750 |
2022 Average & Median Rent Data Statistics
VISALIA, CA average 1BR rent: $858, median: $850
VISALIA, CA average 2BR rent: $1,118, median: $1,120
VISALIA, CA average 3BR rent: $1,563, median: $1,560
VISALIA, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,658 | $853,480,000 | $321,099 |
| Cash Out Refi | 767 | $165,585,000 | $215,887 |
| Other | 404 | $34,550,000 | $85,520 |
| Home Improvement | 349 | $33,065,000 | $94,742 |
| Refi | 198 | $43,840,000 | $221,414 |
| NA | 1 | $38,705,000 | $38,705,000 |
Visalia's most frequently cited loan purpose was Home Purchase, with 2,658 originations. The 2nd most popular reason was Cash Out Refi, with 767 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,517 | $502,445,000 | $331,210 |
| 7-8% | 923 | $235,755,000 | $255,423 |
| 5-6% | 892 | $291,170,000 | $326,424 |
| Over 8% | 696 | $89,820,000 | $129,052 |
| <2.5% | 151 | $3,425,000 | $22,682 |
| 4-5% | 107 | $35,965,000 | $336,121 |
| 3-4% | 7 | $1,265,000 | $180,714 |
| 2.5-3% | 3 | $965,000 | $321,667 |
During 2023, Visalia's most frequently originated rate bucket was 6-7%, with 1,517 originations.
Loan Sizing (VISALIA, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 2,022 | $605,940,000 | $299,674 |
| $100,000 or less | 944 | $46,830,000 | $49,608 |
| $100k-200k | 740 | $109,320,000 | $147,730 |
| $400k-600k | 577 | $265,535,000 | $460,199 |
| $600k-1000k | 77 | $53,175,000 | $690,584 |
| $Over $1MM | 17 | $88,425,000 | $5,201,471 |
VISALIA's loan sizing saw the bucket of loans from $200k-400k with 2,022 originations, totaling $605,940,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,882 | $663,640,000 | $352,625 |
| 60-80% | 885 | $282,295,000 | $318,977 |
| Under 20% | 736 | $34,590,000 | $46,997 |
| 20-40% | 383 | $48,275,000 | $126,044 |
| 40-60% | 344 | $109,460,000 | $318,198 |
| Over 100% | 38 | $15,750,000 | $414,474 |
VISALIA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,882 originations, totaling $663,640,000 in origination value.