VISALIA Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Visalia averaged
5.42%
for the week of 2022-05-19, compared to the national average of
5.25% for the same period.
The average rate for the prior week (2022-05-12) was
5.77% and
one month ago for the week of 2022-04-14, the
average rate was 5.37%.
Visalia's average rate one year ago was 3.12%.
For refis of the same type during the week of 2022-05-19, the average rate
was 5.56%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-05-19 | 5.25% |
| Visalia 30 Year Fixed Rate | 2022-05-19 | 5.42% |
| Visalia 30 Year Fixed Rate Refi | 2022-05-19 | 5.56% |
| Visalia 15 Year Fixed Rate | 2022-05-19 | 4.57% |
| Visalia 15 Year Fixed Rate Refi | 2022-05-19 | 4.59% |
| Visalia 30 Year FHA | 2022-05-19 | 5.45% |
| Visalia 30 Year FHA Refi | 2022-05-19 | 5.33% |
| Visalia 30 Year USDA | 2022-05-19 | 5.16% |
| Visalia 30 Year USDA Refi | 2022-05-19 | 5.36% |
| Visalia 30 Year VA | 2022-05-19 | 5.08% |
| Visalia 30 Year VA Refi | 2022-05-19 | 4.97% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within VISALIA, CA.
VISALIA Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lendor, 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, CA's 287 lenders originated 16,401
loans during 2021. The total origination value was $4,043,015,000, with an average loan value of
$246,510.
The top VISALIA lender as defined by loan originations is COUNTRY CLUB MORTGAGE, INC., with
997 loans originated. Their average total fees are
$4,618, which is $494
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee VISALIA lenders (with over 10 loans originated) are
IMPAC MORTGAGE CORP. ($1,395), Educational Employees Credit Union ($1,883), North American Savings Bank, F.S.B. ($2,265), SAFE 1 CREDIT UNION ($2,353) and Strong Home Mortgage, LLC ($2,431).
The lowest rate VISALIA lenders (with over 10 loans originated) are
Provident Credit Union (2.69%), VALLEY STRONG CREDIT UNION (2.77%), OCMBC, INC. (2.79%), AMERICAN INTERNET MORTGAGE, INC. (2.80%) and HOMESIDE FINANCIAL, LLC (2.83%).
VISALIA, CA Lender 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 |
|---|---|---|---|---|
| COUNTRY CLUB MORTGAGE, INC. | $421,970,000 | $449,260,000 | 6.5% | 11.1% |
| QUICKEN LOANS, LLC | $322,705,000 | $395,290,000 | 22.5% | 9.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $179,395,000 | $262,710,000 | 46.4% | 6.5% |
| KINGS MORTGAGE SERVICES, INC. | $178,515,000 | $181,550,000 | 1.7% | 4.5% |
| FREEDOM MORTGAGE CORPORATION | $209,105,000 | $181,190,000 | -13.3% | 4.5% |
| Commerce Home Mortgage, Inc. | $154,615,000 | $167,140,000 | 8.1% | 4.1% |
| CALIBER HOME LOANS, INC. | $135,975,000 | $150,375,000 | 10.6% | 3.7% |
| GUARANTEED RATE, INC. | $89,175,000 | $107,310,000 | 20.3% | 2.7% |
| PENNYMAC LOAN SERVICES, LLC | $52,910,000 | $102,385,000 | 93.5% | 2.5% |
| LOANDEPOT.COM, LLC | $51,680,000 | $83,380,000 | 61.3% | 2.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $83,865,000 | $82,625,000 | -1.5% | 2.0% |
| Mr. Cooper ( Nationstar Mortgage ) | $60,165,000 | $79,450,000 | 32.1% | 2.0% |
| HOME POINT FINANCIAL CORPORATION | $31,355,000 | $64,075,000 | 104.4% | 1.6% |
| Wells Fargo Bank | $77,465,000 | $63,790,000 | -17.7% | 1.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $54,350,000 | $54,875,000 | 1.0% | 1.4% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $58,410,000 | $50,645,000 | -13.3% | 1.3% |
| MLD MORTGAGE INC. | $15,395,000 | $45,880,000 | 198.0% | 1.1% |
| DHI MORTGAGE COMPANY, LTD. | $50,325,000 | $45,110,000 | -10.4% | 1.1% |
| RESIDENTIAL BANCORP. | $31,470,000 | $45,105,000 | 43.3% | 1.1% |
| ALAMEDA MORTGAGE CORPORATION | $21,780,000 | $43,820,000 | 101.2% | 1.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $37,230,000 | $43,230,000 | 16.1% | 1.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $25,090,000 | $42,025,000 | 67.5% | 1.0% |
| AMERISAVE MORTGAGE CORPORATION | $27,950,000 | $42,005,000 | 50.3% | 1.0% |
| Platinum Home Mortgage Corporation | $30,650,000 | $40,005,000 | 30.5% | 1.0% |
| Tri Counties Bank | $1,650,000 | $38,635,000 | 2,241.5% | 1.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $39,470,000 | $37,245,000 | -5.6% | 0.9% |
| JPMorgan Chase Bank | $22,515,000 | $34,180,000 | 51.8% | 0.8% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $32,045,000 | n/a | 0.8% | |
| NEWREZ LLC | $23,110,000 | $31,465,000 | 36.2% | 0.8% |
| BETTER MORTGAGE CORPORATION | $13,105,000 | $30,800,000 | 135.0% | 0.8% |
| Flagstar Bank, FSB | $28,015,000 | $26,660,000 | -4.8% | 0.7% |
| BROKER SOLUTIONS, INC. | $15,530,000 | $25,475,000 | 64.0% | 0.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $25,130,000 | $24,760,000 | -1.5% | 0.6% |
| Mortgage Research Center, LLC | $21,385,000 | $23,820,000 | 11.4% | 0.6% |
| LAKEVIEW LOAN SERVICING, LLC | $18,375,000 | $22,630,000 | 23.2% | 0.6% |
| Bank of America | $27,420,000 | $22,270,000 | -18.8% | 0.6% |
| MUFG Union Bank | $13,490,000 | $19,830,000 | 47.0% | 0.5% |
| Educational Employees Credit Union | $21,015,000 | $18,950,000 | -9.8% | 0.5% |
| Bank of the West | $12,490,000 | $18,145,000 | 45.3% | 0.4% |
| Carrington Mortgage Services, LLC | $15,185,000 | $17,805,000 | 17.3% | 0.4% |
| Lakeview Community Capital, LLC | $12,855,000 | $17,720,000 | 37.8% | 0.4% |
| PLAZA HOME MORTGAGE, INC. | $18,670,000 | $17,615,000 | -5.7% | 0.4% |
| Citizens Business Bank | $9,830,000 | $17,160,000 | 74.6% | 0.4% |
| GUILD MORTGAGE COMPANY | $14,560,000 | $16,250,000 | 11.6% | 0.4% |
| LOANPAL, LLC | $13,125,000 | $16,075,000 | 22.5% | 0.4% |
| EAGLE HOME MORTGAGE, LLC | $39,055,000 | $15,840,000 | -59.4% | 0.4% |
| U.S. Bank | $13,365,000 | $15,675,000 | 17.3% | 0.4% |
| Sierra Pacific Mortgage Company, Inc. | $19,825,000 | $14,865,000 | -25.0% | 0.4% |
| TULARE COUNTY | $11,295,000 | $14,105,000 | 24.9% | 0.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | $15,385,000 | $13,830,000 | -10.1% | 0.3% |
| Arbor Realty Trust, Inc. | $1,805,000 | $13,360,000 | 640.2% | 0.3% |
| SUN WEST MORTGAGE COMPANY, INC. | $10,625,000 | $12,890,000 | 21.3% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $7,135,000 | $11,095,000 | 55.5% | 0.3% |
| VERITAS FUNDING, LLC | $3,740,000 | $10,845,000 | 190.0% | 0.3% |
| Zions Bancorporation, N.A. | $470,000 | $10,100,000 | 2,048.9% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $5,775,000 | $9,845,000 | 70.5% | 0.2% |
| NETWORK CAPITAL FUNDING CORPORATION | $6,615,000 | $9,725,000 | 47.0% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $10,410,000 | $9,545,000 | -8.3% | 0.2% |
| InterContinental Capital Group, Inc | $9,960,000 | $9,445,000 | -5.2% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $10,060,000 | $9,410,000 | -6.5% | 0.2% |
| AMWEST FUNDING CORP. | $3,830,000 | $9,325,000 | 143.5% | 0.2% |
| Hometown Equity Mortgage, LLC | $6,930,000 | $8,905,000 | 28.5% | 0.2% |
| Strong Home Mortgage, LLC | $8,155,000 | $8,835,000 | 8.3% | 0.2% |
| Watermark Capital, Inc. | $8,615,000 | $8,180,000 | -5.0% | 0.2% |
| AMERICAN FINANCING CORPORATION | $4,055,000 | $7,840,000 | 93.3% | 0.2% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $675,000 | $7,725,000 | 1,044.4% | 0.2% |
| SUMMIT FUNDING, INC. | $5,500,000 | $7,690,000 | 39.8% | 0.2% |
| First Guaranty Mortgage Corporation | $2,685,000 | $7,660,000 | 185.3% | 0.2% |
| CMG MORTGAGE, INC. | $4,725,000 | $7,645,000 | 61.8% | 0.2% |
| The Federal Savings Bank | $7,915,000 | $7,505,000 | -5.2% | 0.2% |
| VALLEY STRONG CREDIT UNION | $2,680,000 | $7,410,000 | 176.5% | 0.2% |
| BBVA USA | $7,575,000 | $7,065,000 | -6.7% | 0.2% |
| North American Savings Bank, F.S.B. | $3,385,000 | $6,870,000 | 103.0% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $5,795,000 | $6,730,000 | 16.1% | 0.2% |
| NATIONS DIRECT MORTGAGE, LLC | $1,440,000 | $6,590,000 | 357.6% | 0.2% |
| AmeriHome Mortgage Company, LLC | $6,710,000 | $6,490,000 | -3.3% | 0.2% |
| Northwest Farm Credit Services, FLCA | $7,170,000 | $6,265,000 | -12.6% | 0.2% |
| STEARNS LENDING, LLC | $6,450,000 | $6,125,000 | -5.0% | 0.2% |
| Self-Help Federal Credit Union | $5,130,000 | $5,935,000 | 15.7% | 0.1% |
| Amerifirst Financial, Inc. | $1,345,000 | $5,925,000 | 340.5% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $3,400,000 | $5,755,000 | 69.3% | 0.1% |
| CLEARPATH LENDING | $10,005,000 | $5,640,000 | -43.6% | 0.1% |
| ENVOY MORTGAGE, LTD | $6,965,000 | $5,620,000 | -19.3% | 0.1% |
| FINANCE OF AMERICA COMMERCIAL LLC | $4,680,000 | $5,510,000 | 17.7% | 0.1% |
| NEW DAY FINANCIAL, LLC | $6,830,000 | $5,470,000 | -19.9% | 0.1% |
| Provident Credit Union | $5,125,000 | $5,335,000 | 4.1% | 0.1% |
| SAFE 1 CREDIT UNION | $4,860,000 | $5,070,000 | 4.3% | 0.1% |
| NBKC BANK | $4,065,000 | $4,960,000 | 22.0% | 0.1% |
| MEGA CAPITAL FUNDING, INC. | $4,095,000 | $4,880,000 | 19.2% | 0.1% |
| USAA Federal Savings Bank | $5,135,000 | $4,825,000 | -6.0% | 0.1% |
| CELEBRITY HOME LOANS, LLC | $2,500,000 | $4,810,000 | 92.4% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $3,420,000 | $4,765,000 | 39.3% | 0.1% |
| MOUNTAIN WEST FINANCIAL, INC. | $5,580,000 | $4,725,000 | -15.3% | 0.1% |
| Golden Empire Mortgage, Inc. | $4,260,000 | $4,695,000 | 10.2% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $3,085,000 | $4,615,000 | 49.6% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $2,525,000 | $4,230,000 | 67.5% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $4,370,000 | $4,175,000 | -4.5% | 0.1% |
| IMPAC MORTGAGE CORP. | $3,925,000 | $4,130,000 | 5.2% | 0.1% |
| INTELLILOAN, INC. | $1,775,000 | $3,920,000 | 120.8% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $1,540,000 | $3,810,000 | 147.4% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $990,000 | $3,770,000 | 280.8% | 0.1% |
| OCMBC, INC. | $3,535,000 | $3,675,000 | 4.0% | 0.1% |
| CITYWIDE HOME LOANS, LLC | $20,520,000 | $3,640,000 | -82.3% | 0.1% |
| Fremont Bank | $3,365,000 | $3,640,000 | 8.2% | 0.1% |
| Equity Prime Mortgage LLC | $2,890,000 | $3,635,000 | 25.8% | 0.1% |
| PNC Bank | $2,435,000 | $3,625,000 | 48.9% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,300,000 | $3,550,000 | 173.1% | 0.1% |
| MICHIGAN MUTUAL, INC. | $2,235,000 | $3,515,000 | 57.3% | 0.1% |
| WINNPOINTE CORPORATION | $6,885,000 | $3,475,000 | -49.5% | 0.1% |
| KeyBank | $1,045,000 | $3,455,000 | 230.6% | 0.1% |
| Nations Lending Corporation | $5,380,000 | $3,430,000 | -36.2% | 0.1% |
| Manufacturers and Traders Trust Company | $895,000 | $3,345,000 | 273.7% | 0.1% |
| LADERA LENDING, INC. | $6,115,000 | $3,340,000 | -45.4% | 0.1% |
| BAY EQUITY LLC | $3,385,000 | $3,315,000 | -2.1% | 0.1% |
| Arvest Bank | $2,365,000 | $3,290,000 | 39.1% | 0.1% |
| CENTRAL COAST LENDING, INC. | $1,650,000 | $3,235,000 | 96.1% | 0.1% |
| THE GOLDEN 1 | $4,070,000 | $3,105,000 | -23.7% | 0.1% |
| WESTERN EXPRESS LENDING | $3,805,000 | $3,045,000 | -20.0% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $1,655,000 | $3,020,000 | 82.5% | 0.1% |
| ACADEMY MORTGAGE CORPORATION | $2,265,000 | $2,935,000 | 29.6% | 0.1% |
| PLANET HOME LENDING, LLC | $2,435,000 | $2,875,000 | 18.1% | 0.1% |
| AMERICAN ADVISORS GROUP | $2,385,000 | $2,865,000 | 20.1% | 0.1% |
| ARC HOME LLC | $1,145,000 | $2,860,000 | 149.8% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $4,435,000 | $2,815,000 | -36.5% | 0.1% |
| Citibank | $1,460,000 | $2,785,000 | 90.8% | 0.1% |
| HomeStreet Bank | $2,725,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $490,000 | $2,725,000 | 456.1% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $3,160,000 | $2,650,000 | -16.1% | 0.1% |
| SESLOC | $2,595,000 | n/a | 0.1% | |
| NMSI, INC. | $1,180,000 | $2,445,000 | 107.2% | 0.1% |
| Ally Bank | $2,785,000 | $2,440,000 | -12.4% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $305,000 | $2,400,000 | 686.9% | 0.1% |
| SCHOOLSFIRST | $855,000 | $2,380,000 | 178.4% | 0.1% |
| SOFI LENDING CORP. | $2,560,000 | $2,370,000 | -7.4% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $1,100,000 | $2,265,000 | 105.9% | 0.1% |
| MID-VALLEY SERVICES, INC. | $4,260,000 | $2,240,000 | -47.4% | 0.1% |
| Truist Bank | $1,915,000 | $2,195,000 | 14.6% | 0.1% |
| CHERRY CREEK MORTGAGE, LLC | $2,240,000 | $2,175,000 | -2.9% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $2,200,000 | $2,145,000 | -2.5% | 0.1% |
| KINECTA | $630,000 | $2,135,000 | 238.9% | 0.1% |
| LOANLEADERS OF AMERICA, INC. | $2,600,000 | $2,090,000 | -19.6% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $2,005,000 | $1,990,000 | -0.7% | 0.0% |
| Northpointe Bank | $3,960,000 | $1,980,000 | -50.0% | 0.0% |
| FAMILIES AND SCHOOLS TOGETHER FEDERAL CREDIT UNION | $580,000 | $1,970,000 | 239.7% | 0.0% |
| Cornerstone First Mortgage, Inc | $1,955,000 | n/a | 0.0% | |
| Magnolia Bank | $685,000 | $1,945,000 | 183.9% | 0.0% |
| Stifel Bank and Trust | $2,255,000 | $1,890,000 | -16.2% | 0.0% |
| PHH Mortgage Corporation | $2,060,000 | $1,865,000 | -9.5% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $895,000 | $1,860,000 | 107.8% | 0.0% |
| LOGIX FEDERAL CREDIT UNION | $470,000 | $1,840,000 | 291.5% | 0.0% |
| MANN FINANCIAL INC. | $700,000 | $1,800,000 | 157.1% | 0.0% |
| S1L, Inc. | $325,000 | $1,770,000 | 444.6% | 0.0% |
| BNC National Bank | $1,440,000 | $1,765,000 | 22.6% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $3,030,000 | $1,760,000 | -41.9% | 0.0% |
| FirstBank | $1,980,000 | $1,705,000 | -13.9% | 0.0% |
| CIVIC FINANCIAL SERVICES, LLC | $575,000 | $1,660,000 | 188.7% | 0.0% |
| BEST CAPITAL FUNDING | $1,150,000 | $1,645,000 | 43.0% | 0.0% |
| PARKSIDE LENDING, LLC | $5,845,000 | $1,645,000 | -71.9% | 0.0% |
| Low VA Rates, LLC | $1,885,000 | $1,635,000 | -13.3% | 0.0% |
| FBC MORTGAGE, LLC | $2,270,000 | $1,625,000 | -28.4% | 0.0% |
| SPRING EQ, LLC | $1,085,000 | $1,620,000 | 49.3% | 0.0% |
| REVERSE MORTGAGE FUNDING LLC | $1,105,000 | $1,615,000 | 46.2% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $1,235,000 | $1,595,000 | 29.1% | 0.0% |
| LENDERFI, INC. | $2,140,000 | $1,545,000 | -27.8% | 0.0% |
| NEXERA HOLDING LLC | $445,000 | $1,515,000 | 240.4% | 0.0% |
| Pacific Premier Bank | $995,000 | $1,460,000 | 46.7% | 0.0% |
| Hometown Lenders, Inc. | $1,220,000 | $1,455,000 | 19.3% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $995,000 | $1,445,000 | 45.2% | 0.0% |
| PACIFIC SERVICE | $360,000 | $1,445,000 | 301.4% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $375,000 | $1,400,000 | 273.3% | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | $2,080,000 | $1,390,000 | -33.2% | 0.0% |
| 21ST MORTGAGE CORPORATION | $770,000 | $1,365,000 | 77.3% | 0.0% |
| KD CAPITAL MORTGAGE CORPORATION | $585,000 | $1,365,000 | 133.3% | 0.0% |
| MORIA DEVELOPMENT, INC. | $555,000 | $1,340,000 | 141.4% | 0.0% |
| Mechanics Bank | $1,715,000 | $1,320,000 | -23.0% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $385,000 | $1,315,000 | 241.6% | 0.0% |
| First Home Bank | $390,000 | $1,290,000 | 230.8% | 0.0% |
| DIGNIFIED HOME LOANS, LLC | $2,015,000 | $1,260,000 | -37.5% | 0.0% |
| JMAC LENDING, INC. | $1,765,000 | $1,245,000 | -29.5% | 0.0% |
| T2 FINANCIAL LLC | $360,000 | $1,220,000 | 238.9% | 0.0% |
| Discover Bank | $840,000 | $1,205,000 | 43.5% | 0.0% |
| EMBRACE HOME LOANS, INC. | $755,000 | $1,195,000 | 58.3% | 0.0% |
| VISION ONE MORTGAGE, INC. | $2,160,000 | $1,195,000 | -44.7% | 0.0% |
| AMERICAN FIRST | $4,750,000 | $1,155,000 | -75.7% | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $750,000 | $1,145,000 | 52.7% | 0.0% |
| CANOPY MORTGAGE, LLC | $360,000 | $1,140,000 | 216.7% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $780,000 | $1,135,000 | 45.5% | 0.0% |
| MOVEMENT MORTGAGE, LLC | $1,095,000 | $1,135,000 | 3.7% | 0.0% |
| HOME APPROVALS DIRECT, INC. | $1,480,000 | $1,130,000 | -23.6% | 0.0% |
| DIGITAL Federal Credit Union | $1,125,000 | n/a | 0.0% | |
| KELLER MORTGAGE, LLC | $540,000 | $1,120,000 | 107.4% | 0.0% |
| ONY GLO, INC. | $1,640,000 | $1,120,000 | -31.7% | 0.0% |
| Greenbox Loans, Inc. | $285,000 | $1,105,000 | 287.7% | 0.0% |
| NP, Inc. | $880,000 | $1,095,000 | 24.4% | 0.0% |
| Valley First Credit Union | $1,080,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $95,000 | $1,060,000 | 1,015.8% | 0.0% |
| OAKTREE FUNDING CORP. | $335,000 | $1,055,000 | 214.9% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $510,000 | $1,015,000 | 99.0% | 0.0% |
| CUSTOMER SERVICE MORTGAGE CORPORATION | $590,000 | $985,000 | 66.9% | 0.0% |
| ALLIANT CREDIT UNION | $1,215,000 | $960,000 | -21.0% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $145,000 | $945,000 | 551.7% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $1,575,000 | $945,000 | -40.0% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $135,000 | $940,000 | 596.3% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $415,000 | $940,000 | 126.5% | 0.0% |
| Figure Lending LLC | $435,000 | $930,000 | 113.8% | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | $730,000 | $930,000 | 27.4% | 0.0% |
| CONTOUR MORTGAGE CORPORATION | $930,000 | $925,000 | -0.5% | 0.0% |
| NBH Bank | $1,135,000 | $925,000 | -18.5% | 0.0% |
| Ameris Bank | $370,000 | $920,000 | 148.6% | 0.0% |
| RANLIFE, INC. | $490,000 | $920,000 | 87.8% | 0.0% |
| EMM LOANS LLC | $1,110,000 | $900,000 | -18.9% | 0.0% |
| COASTAL FUNDING SLC, INC. | $835,000 | $895,000 | 7.2% | 0.0% |
| PREMIER LENDING, INC. | $175,000 | $890,000 | 408.6% | 0.0% |
| GSF Mortgage Corporation | $630,000 | $885,000 | 40.5% | 0.0% |
| COMMUNITY MORTGAGE FUNDING, LLC | $345,000 | $865,000 | 150.7% | 0.0% |
| Financial Funding Solutions, Inc. | $200,000 | $855,000 | 327.5% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $1,190,000 | $850,000 | -28.6% | 0.0% |
| A&D Mortgage LLC | $325,000 | $835,000 | 156.9% | 0.0% |
| Baxter Credit Union | $560,000 | $830,000 | 48.2% | 0.0% |
| CALCULATED RISK ANALYTICS LLC | $2,385,000 | $820,000 | -65.6% | 0.0% |
| Citizens Bank | $910,000 | $815,000 | -10.4% | 0.0% |
| EVERETT FINANCIAL, INC. | $1,890,000 | $790,000 | -58.2% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $645,000 | $790,000 | 22.5% | 0.0% |
| AXIA FINANCIAL, LLC | $245,000 | $780,000 | 218.4% | 0.0% |
| Franklin Loan Corporation | $755,000 | n/a | 0.0% | |
| SCENIC OAKS FUNDING, INC. | $235,000 | $755,000 | 221.3% | 0.0% |
| LENDUS, LLC | $2,950,000 | $745,000 | -74.7% | 0.0% |
| Colonial Savings, F.A. | $500,000 | $735,000 | 47.0% | 0.0% |
| First National Bank of America | $720,000 | n/a | 0.0% | |
| General Mortgage Capital Corporation | $655,000 | $710,000 | 8.4% | 0.0% |
| Meridian Bank Corporation | $375,000 | $710,000 | 89.3% | 0.0% |
| Prime Choice Funding Inc. | $2,655,000 | $705,000 | -73.4% | 0.0% |
| Home Mortgage Alliance Corp | $700,000 | n/a | 0.0% | |
| NFM, INC. | $900,000 | $700,000 | -22.2% | 0.0% |
| Loan Simple, Inc. | $670,000 | $695,000 | 3.7% | 0.0% |
| Bank of Stockton | $675,000 | n/a | 0.0% | |
| TIAA, FSB | $695,000 | $675,000 | -2.9% | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $135,000 | $665,000 | 392.6% | 0.0% |
| GOOGAIN, INC. | $955,000 | $660,000 | -30.9% | 0.0% |
| JMJ FINANCIAL GROUP | $400,000 | $650,000 | 62.5% | 0.0% |
| SILVER HILL FUNDING, LLC | $415,000 | $645,000 | 55.4% | 0.0% |
| DATA MORTGAGE, INC. | $985,000 | $635,000 | -35.5% | 0.0% |
| AmRes Corporation | $135,000 | $625,000 | 363.0% | 0.0% |
| Service Federal Credit Union | $625,000 | n/a | 0.0% | |
| Century Mortgage Company DBA Century Lending Company | $605,000 | n/a | 0.0% | |
| UNION HOME MORTGAGE CORP. | $600,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $170,000 | $580,000 | 241.2% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $1,380,000 | $570,000 | -58.7% | 0.0% |
| AUGUSTA FINANCIAL, INC. | $560,000 | n/a | 0.0% | |
| VICTORIA FINANCIAL CORP. | $560,000 | n/a | 0.0% | |
| WESCOM CENTRAL CREDIT UNION | $870,000 | $560,000 | -35.6% | 0.0% |
| JAMES B. NUTTER & COMPANY | $550,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $1,140,000 | $550,000 | -51.8% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $85,000 | $540,000 | 535.3% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $305,000 | $540,000 | 77.0% | 0.0% |
| CHEVRON | $535,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $335,000 | $535,000 | 59.7% | 0.0% |
| HOMESTEAD FUNDING CORP. | $855,000 | $530,000 | -38.0% | 0.0% |
| Kwik Mortgage Corporation | $530,000 | n/a | 0.0% | |
| Residential Mortgage Solutions, Inc. | $520,000 | n/a | 0.0% | |
| UNITED SECURITY FINANCIAL CORP | $460,000 | $515,000 | 12.0% | 0.0% |
| Morgan Stanley Private Bank | $485,000 | $505,000 | 4.1% | 0.0% |
| Bank of England | $570,000 | $500,000 | -12.3% | 0.0% |
| STAR ONE CREDIT UNION | $215,000 | $500,000 | 132.6% | 0.0% |
| United Fidelity Funding Corp. | $365,000 | $500,000 | 37.0% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $495,000 | n/a | 0.0% | |
| AHL FUNDING | $520,000 | $480,000 | -7.7% | 0.0% |
| NEW WAVE LENDING GROUP INC | $670,000 | $470,000 | -29.9% | 0.0% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $470,000 | n/a | 0.0% | |
| First Savings Bank | $1,310,000 | $460,000 | -64.9% | 0.0% |
| NuVision Federal Credit Union | $1,070,000 | $460,000 | -57.0% | 0.0% |
| ST FIN CORP | $2,190,000 | $460,000 | -79.0% | 0.0% |
| Quontic Bank | $455,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $455,000 | n/a | 0.0% | |
| Boeing Employees Credit Union | $470,000 | $450,000 | -4.3% | 0.0% |
| Florida Capital Bank | $1,040,000 | $450,000 | -56.7% | 0.0% |
| SNAPFI, INC. | $870,000 | $440,000 | -49.4% | 0.0% |
| Toyota Financial Savings Bank | $155,000 | $435,000 | 180.6% | 0.0% |
| ATHAS CAPITAL GROUP, INC. | $310,000 | $430,000 | 38.7% | 0.0% |
| Constant Investments, Inc. | $295,000 | $425,000 | 44.1% | 0.0% |
| EASTMAN | $425,000 | n/a | 0.0% | |
| First Federal Bank | $965,000 | $425,000 | -56.0% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $125,000 | $420,000 | 236.0% | 0.0% |
| F&A Federal Credit Union | $420,000 | n/a | 0.0% | |
| Armed Forces Bank | $415,000 | n/a | 0.0% | |
| East Coast Capital Corp. | $415,000 | n/a | 0.0% | |
| Visio Financial Services Inc. | $410,000 | n/a | 0.0% | |
| City National Bank | $405,000 | n/a | 0.0% | |
| Axos Bank | $400,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $430,000 | $400,000 | -7.0% | 0.0% |
| UIF CORPORATION | $395,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $640,000 | $385,000 | -39.8% | 0.0% |
| SANTA CLARA COUNTY | $375,000 | n/a | 0.0% | |
| Goldwater Bank, N.A. | $1,110,000 | $365,000 | -67.1% | 0.0% |
| DIRECT MORTGAGE, CORP. | $520,000 | $355,000 | -31.7% | 0.0% |
| LOANSNAP, INC. | $355,000 | n/a | 0.0% | |
| SUN AMERICAN MORTGAGE COMPANY | $825,000 | $355,000 | -57.0% | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | $345,000 | n/a | 0.0% | |
| Crestline Funding Corporation | $775,000 | $335,000 | -56.8% | 0.0% |
| Prosperity Home Mortgage, LLC | $650,000 | $335,000 | -48.5% | 0.0% |
| R M K FINANCIAL CORP. | $1,030,000 | $335,000 | -67.5% | 0.0% |
| CERTIFIED | $330,000 | n/a | 0.0% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $330,000 | n/a | 0.0% | |
| COAST 2 COAST FUNDING GROUP, INC. | $1,100,000 | $325,000 | -70.5% | 0.0% |
| Columbia State Bank | $325,000 | n/a | 0.0% | |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $325,000 | n/a | 0.0% | |
| Neighborhood Loans, Inc. | $325,000 | n/a | 0.0% | |
| Colten Mortgage, LLC | $235,000 | $320,000 | 36.2% | 0.0% |
| DRAPER AND KRAMER MORTGAGE CORP. | $780,000 | $320,000 | -59.0% | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | $785,000 | $320,000 | -59.2% | 0.0% |
| ACCELERATE MORTGAGE, LLC | $315,000 | n/a | 0.0% | |
| BECKAM FUNDING CORP. | $1,035,000 | $315,000 | -69.6% | 0.0% |
| CAPSTONE DIRECT, INC. | $395,000 | $315,000 | -20.3% | 0.0% |
| PATELCO | $945,000 | $315,000 | -66.7% | 0.0% |
| GEORGIA'S OWN | $310,000 | n/a | 0.0% | |
| FIRST CENTENNIAL MORTGAGE CORPORATION | $560,000 | $305,000 | -45.5% | 0.0% |
| THRIVE MORTGAGE, LLC | $300,000 | n/a | 0.0% | |
| LOANFLIGHT LENDING, LLC | $650,000 | $295,000 | -54.6% | 0.0% |
| Umpqua Bank | $480,000 | $290,000 | -39.6% | 0.0% |
| Herring Bank | $285,000 | n/a | 0.0% | |
| CALLISTO GROUP, INC. | $275,000 | n/a | 0.0% | |
| First Standard Financial Corp. | $275,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $255,000 | $275,000 | 7.8% | 0.0% |
| LIMA ONE CAPITAL, LLC | $275,000 | n/a | 0.0% | |
| SAFEAMERICA CREDIT UNION | $275,000 | n/a | 0.0% | |
| DIRECTORS MORTGAGE, INC. | $265,000 | $265,000 | 0.0% | 0.0% |
| FISHER FINANCIAL GROUP, INCORPORATED | $2,000,000 | $265,000 | -86.8% | 0.0% |
| LENDSURE MORTGAGE CORP. | $165,000 | $265,000 | 60.6% | 0.0% |
| Merchants Bank of Indiana | $870,000 | $265,000 | -69.5% | 0.0% |
| PREMIA MORTGAGE, LLC | $325,000 | $265,000 | -18.5% | 0.0% |
| Texana Bank | $265,000 | n/a | 0.0% | |
| INTERCAP LENDING INC. | $440,000 | $260,000 | -40.9% | 0.0% |
| Capital Bank | $255,000 | n/a | 0.0% | |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $950,000 | $255,000 | -73.2% | 0.0% |
| FIRST NATIONS HOME FINANCE CORPORATION | $255,000 | n/a | 0.0% | |
| FIRST TECHNOLOGY | $260,000 | $255,000 | -1.9% | 0.0% |
| GoPrime Mortgage, Inc. | $490,000 | $255,000 | -48.0% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $255,000 | n/a | 0.0% | |
| LANTZMAN MANAGEMENT, INC. | $295,000 | $250,000 | -15.3% | 0.0% |
| Paramount Bank | $215,000 | $245,000 | 14.0% | 0.0% |
| EQUITY WAVE LENDING, INC. | $55,000 | $235,000 | 327.3% | 0.0% |
| HighTechLending Inc | $635,000 | $235,000 | -63.0% | 0.0% |
| Chickasaw Community Bank | $225,000 | n/a | 0.0% | |
| Fidelity Bank | $610,000 | $225,000 | -63.1% | 0.0% |
| Summit Mortgage Corporation | $225,000 | n/a | 0.0% | |
| Armstrong Bank | $215,000 | n/a | 0.0% | |
| BLUE BRICK FINANCIAL LLC | $215,000 | n/a | 0.0% | |
| MK LENDING CORP. | $215,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,760,000 | $215,000 | -87.8% | 0.0% |
| THE FIRST FINANCIAL Federal Credit Union | $375,000 | $215,000 | -42.7% | 0.0% |
| BELEM SERVICING LLC | $205,000 | n/a | 0.0% | |
| BOKF | $745,000 | $205,000 | -72.5% | 0.0% |
| GRANDE HOMES, INC. | $380,000 | $205,000 | -46.1% | 0.0% |
| GREATER NEVADA LLC | $135,000 | $205,000 | 51.9% | 0.0% |
| Great Plains National Bank | $195,000 | $205,000 | 5.1% | 0.0% |
| Industrial and Commercial Bank of China USA | $195,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $1,315,000 | $195,000 | -85.2% | 0.0% |
| Servion, Inc. | $195,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $185,000 | n/a | 0.0% | |
| ORANGE COUNTY'S CREDIT UNION | $465,000 | $185,000 | -60.2% | 0.0% |
| Utah Mortgage Loan Corporation | $185,000 | n/a | 0.0% | |
| AltaOne Federal Credit Union | $95,000 | $175,000 | 84.2% | 0.0% |
| BRIDGELOCK CAPITAL | $175,000 | n/a | 0.0% | |
| CAMPOS FINANCIAL CORP. | $175,000 | n/a | 0.0% | |
| Charles Schwab Bank, SSB | $300,000 | $175,000 | -41.7% | 0.0% |
| The Loan Store, Inc. | $570,000 | $175,000 | -69.3% | 0.0% |
| WALL FINANCIAL, INC. | $345,000 | $175,000 | -49.3% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $225,000 | $165,000 | -26.7% | 0.0% |
| First National Bank of Omaha | $165,000 | n/a | 0.0% | |
| ALL WESTERN MORTGAGE, INC. | $215,000 | $155,000 | -27.9% | 0.0% |
| DEL SUR CORPORATION | $155,000 | n/a | 0.0% | |
| SAN FRANCISCO FIRE CREDIT UNION | $155,000 | n/a | 0.0% | |
| TOWER | $155,000 | n/a | 0.0% | |
| Alaska USA Federal Credit Union | $210,000 | $145,000 | -31.0% | 0.0% |
| American Airlines Federal Credit Union | $145,000 | n/a | 0.0% | |
| LENDING 3, INC. | $145,000 | n/a | 0.0% | |
| MISSION | $135,000 | n/a | 0.0% | |
| San Mateo Credit Union | $135,000 | n/a | 0.0% | |
| STRATA Credit Union | $135,000 | n/a | 0.0% | |
| SUMMIT MORTGAGE CORPORATION | $135,000 | n/a | 0.0% | |
| NORWICH COMMERCIAL GROUP, INC. | $125,000 | n/a | 0.0% | |
| TCF National Bank | $2,105,000 | $125,000 | -94.1% | 0.0% |
| CHOICE LENDING CORP. | $115,000 | n/a | 0.0% | |
| Firefighters First Federal Credit Union | $290,000 | $115,000 | -60.3% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $365,000 | $115,000 | -68.5% | 0.0% |
| Operating Engineers Local Union #3 | $510,000 | $115,000 | -77.5% | 0.0% |
| EAST IDAHO Credit Union | $105,000 | n/a | 0.0% | |
| JTF ROSE, INC. | $105,000 | n/a | 0.0% | |
| Noble Federal Credit Union | $695,000 | $85,000 | -87.8% | 0.0% |
| Murphy Bank | $75,000 | n/a | 0.0% | |
| HomeTrust Bank | $250,000 | $65,000 | -74.0% | 0.0% |
| State Department Federal Credit Union | $55,000 | n/a | 0.0% | |
| COASTHILLS | $365,000 | $45,000 | -87.7% | 0.0% |
| Connexus Credit Union | $45,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $45,000 | n/a | 0.0% | |
| United States Senate Federal Credit Union | $55,000 | $35,000 | -36.4% | 0.0% |
VISALIA's top lender by overall market share is COUNTRY CLUB MORTGAGE, INC., with 11.1% market share. In second place, with 9.8%, is QUICKEN LOANS, LLC, having originated $395,290,000 in loans. In third place, with 6.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $262,710,000 in loans. In third place, with 4.5%, is KINGS MORTGAGE SERVICES, INC., having originated $181,550,000 in loans. In third place, with 4.5%, is FREEDOM MORTGAGE CORPORATION, having originated $181,190,000 in loans.
VISALIA, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 6,719 | $1,594,555,000 | $237,320 |
| Home Purchase | 5,250 | $1,448,880,000 | $275,977 |
| Cash Out Refi | 3,730 | $895,820,000 | $240,166 |
| Home Improvement | 511 | $83,615,000 | $163,630 |
| Other | 184 | $17,880,000 | $97,174 |
| NA | 7 | $2,265,000 | $323,571 |
Visalia's most frequently cited loan purpose was Refi, with 6,719 originations. The 2nd most popular reason was Home Purchase, with 5,250 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 6,727 | $1,667,245,000 | $247,844 |
| 3-4% | 5,496 | $1,442,660,000 | $262,493 |
| <2.5% | 3,425 | $747,705,000 | $218,308 |
| 4-5% | 384 | $86,730,000 | $225,859 |
| 5-6% | 89 | $13,535,000 | $152,079 |
| Over 8% | 55 | $7,305,000 | $132,818 |
| 6-7% | 43 | $7,455,000 | $173,372 |
| 7-8% | 22 | $2,800,000 | $127,273 |
During 2021, Visalia's most frequently originated rate bucket was 2.5-3%, with 6,727 originations.
Loan Sizing (VISALIA, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 9,146 | $2,536,610,000 | $277,346 |
| $100k-200k | 4,862 | $761,090,000 | $156,538 |
| $100,000 or less | 1,228 | $57,610,000 | $46,914 |
| $400k-600k | 1,041 | $486,245,000 | $467,094 |
| $600k-1000k | 94 | $66,620,000 | $708,723 |
| $Over $1MM | 30 | $134,840,000 | $4,494,667 |
VISALIA's loan sizing saw the bucket of loans from $200k-400k with 9,146 originations, totaling $2,536,610,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 5,863 | $1,533,705,000 | $261,590 |
| 80-100% | 5,273 | $1,538,895,000 | $291,844 |
| 40-60% | 2,739 | $553,095,000 | $201,933 |
| 20-40% | 731 | $95,505,000 | $130,650 |
| Under 20% | 662 | $16,170,000 | $24,426 |
| Over 100% | 115 | $41,555,000 | $361,348 |
VISALIA's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 5,863 originations, totaling $1,533,705,000 in origination value.
