VISALIA Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Visalia averaged
3.28%
for the week of 2021-12-02, compared to the national average of
3.11% for the same period.
The average rate for the prior week (2021-11-24) was
3.47% and
one month ago for the week of 2021-10-28, the
average rate was 3.31%.
Visalia's average rate one year ago was 3.09%.
For refis of the same type during the week of 2021-12-02, the average rate
was 3.22%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2021-12-02 | 3.11% |
| Visalia 30 Year Fixed Rate | 2021-12-02 | 3.28% |
| Visalia 30 Year Fixed Rate Refi | 2021-12-02 | 3.22% |
| Visalia 15 Year Fixed Rate | 2021-12-02 | 2.93% |
| Visalia 15 Year Fixed Rate Refi | 2021-12-02 | 2.65% |
| Visalia 30 Year FHA | 2021-12-02 | 3.3% |
| Visalia 30 Year FHA Refi | 2021-12-02 | 3.18% |
| Visalia 30 Year USDA | 2021-12-02 | 3.23% |
| Visalia 30 Year USDA Refi | 2021-12-02 | 3.43% |
| Visalia 30 Year VA | 2021-12-02 | 2.94% |
| Visalia 30 Year VA Refi | 2021-12-02 | 3.03% |
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 280 lenders originated 15,229
loans during 2020. The total origination value was $3,540,035,000, with an average loan value of
$232,454.
The top VISALIA lender as defined by loan originations is COUNTRY CLUB MORTGAGE, INC., with
955 loans originated. Their average total fees are
$4,254, which is $949
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee VISALIA lenders (with over 10 loans originated) are
WINNPOINTE CORPORATION ($374), Strong Home Mortgage, LLC ($1,374), SUN WEST MORTGAGE COMPANY, INC. ($1,711), Wyndham Capital Mortgage, Inc. ($1,764) and Educational Employees Credit Union ($1,858).
The lowest rate VISALIA lenders (with over 10 loans originated) are
Watermark Capital, Inc. (2.76%), Provident Credit Union (2.92%), Pacific Lending LLC (2.96%), AMERISAVE MORTGAGE CORPORATION (2.99%) and MLD MORTGAGE INC. (3.04%).
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 | 2019 Loan Value | 2020 Loan Value | % Change | 2020 Market Share |
|---|---|---|---|---|
| Country Club Mortgage, Inc. | $215,390,000 | $421,970,000 | 95.9% | 11.9% |
| Quicken Loans | $160,170,000 | $322,705,000 | 101.5% | 9.1% |
| Freedom Mortgage Corporation | $67,855,000 | $209,105,000 | 208.2% | 5.9% |
| United Shore Financial Services LLC | $110,160,000 | $179,395,000 | 62.8% | 5.1% |
| Kings Mortgage Services Inc. | $114,055,000 | $178,515,000 | 56.5% | 5.0% |
| Commerce Home Mortgage Inc. | $81,795,000 | $154,615,000 | 89.0% | 4.4% |
| Caliber Home Loans Inc | $70,415,000 | $135,975,000 | 93.1% | 3.8% |
| Guaranteed Rate Inc. | $2,465,000 | $89,175,000 | 3,517.6% | 2.5% |
| Finance of America Mortgage LLC | $59,395,000 | $83,865,000 | 41.2% | 2.4% |
| WELLS FARGO BANK NA | $55,990,000 | $77,465,000 | 38.4% | 2.2% |
| Nationstar Mortgage | $27,375,000 | $60,165,000 | 119.8% | 1.7% |
| Mason-McDuffie Mortgage Corporation | $37,260,000 | $58,410,000 | 56.8% | 1.6% |
| PENNYMAC LOAN SERVICES LLC | $24,520,000 | $52,910,000 | 115.8% | 1.5% |
| loanDepot LLC | $36,025,000 | $51,680,000 | 43.5% | 1.5% |
| DHI Mortgage Company Limited | $42,245,000 | $50,325,000 | 19.1% | 1.4% |
| Primary Residential Mortgage Inc. | $18,485,000 | $39,470,000 | 113.5% | 1.1% |
| Eagle Home Mortgage, LLC | $15,505,000 | $39,055,000 | 151.9% | 1.1% |
| American Pacific Mortgage Corporation | $17,740,000 | $37,230,000 | 109.9% | 1.1% |
| Residential Bancorp | $22,385,000 | $31,470,000 | 40.6% | 0.9% |
| Home Point Financial Corporation | $19,070,000 | $31,355,000 | 64.4% | 0.9% |
| Platinum Home Mortgage Corporation | $20,620,000 | $30,650,000 | 48.6% | 0.9% |
| Flagstar Bank | $14,615,000 | $28,015,000 | 91.7% | 0.8% |
| Amerisave Mortgage Corporation | $7,210,000 | $27,950,000 | 287.7% | 0.8% |
| Bank of America NA | $27,575,000 | $27,420,000 | -0.6% | 0.8% |
| The Northern Trust Company | $26,505,000 | n/a | 0.7% | |
| HomeBridge Financial Services, Inc. | $20,165,000 | $25,130,000 | 24.6% | 0.7% |
| Cardinal Financial Company LP | $3,340,000 | $25,090,000 | 651.2% | 0.7% |
| NEWREZ LLC | $7,540,000 | $23,110,000 | 206.5% | 0.7% |
| JPMorgan Chase Bank, NA | $25,280,000 | $22,515,000 | -10.9% | 0.6% |
| Alameda Mortgage Corporation | $10,580,000 | $21,780,000 | 105.9% | 0.6% |
| Mortgage Research Center LLC | $14,635,000 | $21,385,000 | 46.1% | 0.6% |
| Educational Employees Credit Union | $24,070,000 | $21,015,000 | -12.7% | 0.6% |
| Citywide Home Loans A Utah Corporation | $103,210,000 | $20,520,000 | -80.1% | 0.6% |
| Sierra Pacific Mortgage | $8,275,000 | $19,825,000 | 139.6% | 0.6% |
| Plaza Home Mortgage Inc. | $10,945,000 | $18,670,000 | 70.6% | 0.5% |
| Lakeview Loan Servicing, LLC | $7,595,000 | $18,375,000 | 141.9% | 0.5% |
| Jones Lang LaSalle Multifamily | $17,450,000 | n/a | 0.5% | |
| New American Funding (dba for Broker Solutions Inc) | $8,920,000 | $15,530,000 | 74.1% | 0.4% |
| MLD Mortgage Inc. | $11,830,000 | $15,395,000 | 30.1% | 0.4% |
| Village Capital & Investment | $1,320,000 | $15,385,000 | 1,065.5% | 0.4% |
| CARRINGTON MORTGAGE SERVICES | $15,325,000 | $15,185,000 | -0.9% | 0.4% |
| Guild Mortgage Company | $12,055,000 | $14,560,000 | 20.8% | 0.4% |
| MUFG Union Bank, NA | $11,735,000 | $13,490,000 | 15.0% | 0.4% |
| US BANK, N.A. | $8,580,000 | $13,365,000 | 55.8% | 0.4% |
| LoanPal | $13,215,000 | $13,125,000 | -0.7% | 0.4% |
| Better Mortgage Corporation | $3,740,000 | $13,105,000 | 250.4% | 0.4% |
| Lakeview Community Capital, LLC | $1,845,000 | $12,855,000 | 596.7% | 0.4% |
| BANK OF THE WEST | $11,695,000 | $12,490,000 | 6.8% | 0.4% |
| Inspire Home Loans | $2,770,000 | $12,030,000 | 334.3% | 0.3% |
| Tulare County Federal Credit Union - FID 321178158 | $8,965,000 | $11,295,000 | 26.0% | 0.3% |
| Sun West Mortgage Company Inc. | $4,805,000 | $10,625,000 | 121.1% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $14,570,000 | $10,410,000 | -28.6% | 0.3% |
| Synergy One Lending | $4,635,000 | $10,060,000 | 117.0% | 0.3% |
| Clearpath Lending | $5,355,000 | $10,005,000 | 86.8% | 0.3% |
| Intercontinental Capital Group, Inc. | $4,550,000 | $9,960,000 | 118.9% | 0.3% |
| CITIZENS BUSINESS BANK | $5,315,000 | $9,830,000 | 84.9% | 0.3% |
| Watermark Home Loans | $10,495,000 | $8,615,000 | -17.9% | 0.2% |
| The Federal Savings Bank | $4,005,000 | $7,915,000 | 97.6% | 0.2% |
| COMPASS BANK | $1,025,000 | $7,575,000 | 639.0% | 0.2% |
| Northwest Farm Credit Services, FLCA | $3,110,000 | $7,170,000 | 130.5% | 0.2% |
| American Financial Network Inc. | $5,305,000 | $7,135,000 | 34.5% | 0.2% |
| Envoy Mortgage Ltd. | $780,000 | $6,965,000 | 792.9% | 0.2% |
| Hometown Equity Mortgage LLC | $820,000 | $6,930,000 | 745.1% | 0.2% |
| Interactive Mortgage | $2,475,000 | $6,885,000 | 178.2% | 0.2% |
| NewDay Financial LLC dba NewDay USA | $3,415,000 | $6,830,000 | 100.0% | 0.2% |
| AmeriHomeMortgageCompany,LL | $5,280,000 | $6,710,000 | 27.1% | 0.2% |
| Network Capital Funding Corporation | $4,110,000 | $6,615,000 | 60.9% | 0.2% |
| Stearns Lending | $12,280,000 | $6,450,000 | -47.5% | 0.2% |
| Ladera Lending, Inc. | $1,175,000 | $6,115,000 | 420.4% | 0.2% |
| Parkside Lending LLC | $6,845,000 | $5,845,000 | -14.6% | 0.2% |
| Paramount Residential Mortgage Group Inc. | $4,095,000 | $5,795,000 | 41.5% | 0.2% |
| FAIRWAY INDEPENDENT MORT CORP | $4,050,000 | $5,775,000 | 42.6% | 0.2% |
| Mountain West Financial Inc. | $3,150,000 | $5,580,000 | 77.1% | 0.2% |
| Summit Funding Inc. | $4,240,000 | $5,500,000 | 29.7% | 0.2% |
| Nations Lending Corporation | $2,745,000 | $5,380,000 | 96.0% | 0.2% |
| USAA FEDERAL SAVINGS BANK | $7,885,000 | $5,135,000 | -34.9% | 0.1% |
| Self-Help Credit Union | $5,625,000 | $5,130,000 | -8.8% | 0.1% |
| Provident Credit Union | $480,000 | $5,125,000 | 967.7% | 0.1% |
| Safe 1 Credit Union | $3,060,000 | $4,860,000 | 58.8% | 0.1% |
| American First Credit Union | $4,750,000 | n/a | 0.1% | |
| CMG Mortgage Inc. | $3,140,000 | $4,725,000 | 50.5% | 0.1% |
| Finance of America Commercial LLC | $215,000 | $4,680,000 | 2,076.7% | 0.1% |
| Provident Funding Associates | $4,640,000 | $4,435,000 | -4.4% | 0.1% |
| Wyndham Capital Mortgage | $1,015,000 | $4,370,000 | 330.5% | 0.1% |
| Golden Empire Mortgage, Inc. | $2,230,000 | $4,260,000 | 91.0% | 0.1% |
| Mid Valley Services Inc | $565,000 | $4,260,000 | 654.0% | 0.1% |
| The Golden 1 Credit Union | $3,645,000 | $4,070,000 | 11.7% | 0.1% |
| NBKC Bank | $1,190,000 | $4,065,000 | 241.6% | 0.1% |
| American Financing Corporation | $2,075,000 | $4,055,000 | 95.4% | 0.1% |
| Northpointe Bank | $1,020,000 | $3,960,000 | 288.2% | 0.1% |
| Impac Mortgage Corp. dba CashCall Mortgage | $15,250,000 | $3,925,000 | -74.3% | 0.1% |
| AmWest Funding Corp. | $2,715,000 | $3,830,000 | 41.1% | 0.1% |
| Veritas Funding LLC | $345,000 | $3,740,000 | 984.1% | 0.1% |
| OCMBC Inc. | $430,000 | $3,535,000 | 722.1% | 0.1% |
| Homeside Financial LLC | $600,000 | $3,420,000 | 470.0% | 0.1% |
| AimLoan.com | $1,020,000 | $3,400,000 | 233.3% | 0.1% |
| Bay Equity LLC | $2,875,000 | $3,385,000 | 17.7% | 0.1% |
| North American Savings Bank | $2,350,000 | $3,385,000 | 44.0% | 0.1% |
| Fremont Bank | $2,065,000 | $3,365,000 | 63.0% | 0.1% |
| Banner Bank | $3,325,000 | n/a | 0.1% | |
| Barrington Bank & Trust | $2,425,000 | $3,160,000 | 30.3% | 0.1% |
| Churchill Mortgage Corporation | $1,470,000 | $3,085,000 | 109.9% | 0.1% |
| Lenox Financial Mortgage Corp. | $820,000 | $3,030,000 | 269.5% | 0.1% |
| LendUS LLC dba RPM Mortgage | $1,225,000 | $2,950,000 | 140.8% | 0.1% |
| Bay Valley Mortgage Group DBA Pacific Bay Lending Group | $1,195,000 | $2,915,000 | 143.9% | 0.1% |
| Equity Prime Mortgage LLC | $255,000 | $2,890,000 | 1,033.3% | 0.1% |
| CoreVest American Finance Lender LLC | $4,655,000 | $2,855,000 | -38.7% | 0.1% |
| First Guaranty Mortgage Corporation | $320,000 | $2,685,000 | 739.1% | 0.1% |
| Kern Schools Federal Credit Un | $805,000 | $2,680,000 | 232.9% | 0.1% |
| Prime Choice Funding, Inc. | $1,010,000 | $2,655,000 | 162.9% | 0.1% |
| SoFi Lending Corp | $400,000 | $2,560,000 | 540.0% | 0.1% |
| Premier Mortgage Resources LLC | $815,000 | $2,525,000 | 209.8% | 0.1% |
| Midwest Equity Mortgage LLC | $570,000 | $2,500,000 | 338.6% | 0.1% |
| Planet Home Lending LLC | $1,815,000 | $2,435,000 | 34.2% | 0.1% |
| PNC BANK NA | $15,110,000 | $2,435,000 | -83.9% | 0.1% |
| AAG | $1,115,000 | $2,385,000 | 113.9% | 0.1% |
| Calculated Risk Analytics LLC dba Excelerate Capital | $915,000 | $2,385,000 | 160.7% | 0.1% |
| ARVEST BANK | $2,135,000 | $2,365,000 | 10.8% | 0.1% |
| FBC Mortgage LLC | $2,270,000 | n/a | 0.1% | |
| Academy Mortgage Corporation | $2,250,000 | $2,265,000 | 0.7% | 0.1% |
| Stifel Bank and Trust | $1,330,000 | $2,255,000 | 69.5% | 0.1% |
| Cherry Creek Mortgage Co. Inc. | $1,320,000 | $2,240,000 | 69.7% | 0.1% |
| Michigan Mutual, Inc. DBA MiMutual Mortgage | $1,100,000 | $2,235,000 | 103.2% | 0.1% |
| Sovereign Lending Group, Inc | $2,680,000 | $2,200,000 | -17.9% | 0.1% |
| Star Financial | $235,000 | $2,190,000 | 831.9% | 0.1% |
| Vision One Mortgage | $610,000 | $2,160,000 | 254.1% | 0.1% |
| LenderFi, Inc. | $1,640,000 | $2,140,000 | 30.5% | 0.1% |
| TCF National Bank | $3,325,000 | $2,105,000 | -36.7% | 0.1% |
| Castle & Cooke Mortgage LLC | $855,000 | $2,080,000 | 143.3% | 0.1% |
| PHH MORTGAGE CORPORATION | $945,000 | $2,060,000 | 118.0% | 0.1% |
| Dignified Home Loans, LLC | $1,615,000 | $2,015,000 | 24.8% | 0.1% |
| Royal United Mortgage LLC | $1,380,000 | $2,005,000 | 45.3% | 0.1% |
| NationsChoice Mortgage | $2,190,000 | $2,000,000 | -8.7% | 0.1% |
| FirstBank | $3,230,000 | $1,980,000 | -38.7% | 0.1% |
| Branch Banking And Trust Co | $1,915,000 | n/a | 0.1% | |
| Supreme Lending/ Everett Financial Inc. | $550,000 | $1,890,000 | 243.6% | 0.1% |
| Low VA Rates | $920,000 | $1,885,000 | 104.9% | 0.1% |
| Four Points Federal Credit Union | $85,000 | $1,860,000 | 2,088.2% | 0.1% |
| Arbor Realty Trust Inc | $1,805,000 | n/a | 0.1% | |
| METROPOLITAN HOME MORTGAGE | $3,255,000 | $1,775,000 | -45.5% | 0.1% |
| JMAC Lending Incorporated | $1,635,000 | $1,765,000 | 8.0% | 0.0% |
| Mortgage Solutions of Colorado LLC | $1,220,000 | $1,760,000 | 44.3% | 0.0% |
| Mechanics Bank | $7,955,000 | $1,715,000 | -78.4% | 0.0% |
| Pentagon Federal Credit Union | $285,000 | $1,655,000 | 480.7% | 0.0% |
| TRI COUNTIES BANK | $43,160,000 | $1,650,000 | -96.2% | 0.0% |
| OGI Mortgage Bankers | $805,000 | $1,640,000 | 103.7% | 0.0% |
| Oceanside Mortgage Company | $560,000 | $1,575,000 | 181.3% | 0.0% |
| LendingHome Funding Corporation | $2,665,000 | $1,540,000 | -42.2% | 0.0% |
| Home First Mortgage Bankers | $870,000 | $1,480,000 | 70.1% | 0.0% |
| Citibank, N.A. | $2,765,000 | $1,460,000 | -47.2% | 0.0% |
| BNC NATIONAL BANK | $1,845,000 | $1,440,000 | -22.0% | 0.0% |
| Nations Direct Mortgage LLC | $1,280,000 | $1,440,000 | 12.5% | 0.0% |
| Guaranteed Rate Affinity LLC | $1,380,000 | n/a | 0.0% | |
| Amerifirst Financial Inc. | $390,000 | $1,345,000 | 244.9% | 0.0% |
| Land Home Financial Services Inc. | $960,000 | $1,315,000 | 37.0% | 0.0% |
| First Savings Bank | $945,000 | $1,310,000 | 38.6% | 0.0% |
| PRIMELENDING | $1,005,000 | $1,300,000 | 29.4% | 0.0% |
| Val-Chris Investments Inc | $1,260,000 | n/a | 0.0% | |
| Semper Home Loans, Inc | $310,000 | $1,240,000 | 300.0% | 0.0% |
| top flite financial, inc. | $775,000 | $1,235,000 | 59.4% | 0.0% |
| Hometown Lenders LLC | $1,220,000 | n/a | 0.0% | |
| Alliant Credit Union | $155,000 | $1,215,000 | 683.9% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $125,000 | $1,190,000 | 852.0% | 0.0% |
| Tri-Emerald Financial Group Inc. | $1,190,000 | n/a | 0.0% | |
| NMSI Inc | $1,180,000 | n/a | 0.0% | |
| Capital Mortgage Services of Texas | $1,165,000 | n/a | 0.0% | |
| Best Capital Funding | $175,000 | $1,150,000 | 557.1% | 0.0% |
| WEI Mortgage LLC | $675,000 | $1,145,000 | 69.6% | 0.0% |
| Open Mortgage LLC | $115,000 | $1,140,000 | 891.3% | 0.0% |
| NBH Bank | $1,135,000 | n/a | 0.0% | |
| Fifth Third Bank | $1,115,000 | n/a | 0.0% | |
| E Mortgage Management LLC | $585,000 | $1,110,000 | 89.7% | 0.0% |
| Goldwater Bank National Association | $355,000 | $1,110,000 | 212.7% | 0.0% |
| Reverse Mortgage Funding LLC | $1,105,000 | n/a | 0.0% | |
| Coast 2 Coast Funding Group Inc. | $295,000 | $1,100,000 | 272.9% | 0.0% |
| Mid America Mortgage Inc. | $255,000 | $1,100,000 | 331.4% | 0.0% |
| MOVEMENT MORTGAGE, LLC | $1,460,000 | $1,095,000 | -25.0% | 0.0% |
| SPRING EQ, LLC | $1,120,000 | $1,085,000 | -3.1% | 0.0% |
| NuVision Federal Credit Union | $635,000 | $1,070,000 | 68.5% | 0.0% |
| KeyBank National Association | $565,000 | $1,045,000 | 85.0% | 0.0% |
| Florida Capital Bank National Association | $510,000 | $1,040,000 | 103.9% | 0.0% |
| Beckham Funding Corp | $1,035,000 | n/a | 0.0% | |
| R M K FINANCIAL CORP | $540,000 | $1,030,000 | 90.7% | 0.0% |
| American Financial Resources Inc. | $1,260,000 | $995,000 | -21.0% | 0.0% |
| Pacific Premier Bank | $995,000 | n/a | 0.0% | |
| Angel Oak Mortgage Solutions | $1,035,000 | $990,000 | -4.3% | 0.0% |
| Essex Mortgage | $1,325,000 | $985,000 | -25.7% | 0.0% |
| Fidelity Funding | $975,000 | n/a | 0.0% | |
| Sunflower Bank, N.A. | $975,000 | n/a | 0.0% | |
| AKT American Capital Inc | $970,000 | n/a | 0.0% | |
| Googain Inc. | $955,000 | n/a | 0.0% | |
| Evergreen Moneysource Mortgage Company | $950,000 | n/a | 0.0% | |
| First Mortgage Solutions LLC | $305,000 | $945,000 | 209.8% | 0.0% |
| Patelco Credit Union | $540,000 | $945,000 | 75.0% | 0.0% |
| Contour Mortgage Corporation | $195,000 | $930,000 | 376.9% | 0.0% |
| BANK OF THE SIERRA | $780,000 | $925,000 | 18.6% | 0.0% |
| Royal Business Bank | $915,000 | n/a | 0.0% | |
| CBNA | $185,000 | $910,000 | 391.9% | 0.0% |
| NFM, Inc. | $900,000 | n/a | 0.0% | |
| Ark-La-Tex Financial Services LLC | $1,780,000 | $895,000 | -49.7% | 0.0% |
| M&T Bank | $545,000 | $895,000 | 64.2% | 0.0% |
| US Mortgage of Florida | $425,000 | $880,000 | 107.1% | 0.0% |
| Merchants Bank of Indiana | $870,000 | n/a | 0.0% | |
| SnapFi, Inc. | $560,000 | $870,000 | 55.4% | 0.0% |
| Wescom Central Credit Union | $505,000 | $870,000 | 72.3% | 0.0% |
| UBS Bank USA | $865,000 | n/a | 0.0% | |
| Homestead Funding Corp. | $195,000 | $855,000 | 338.5% | 0.0% |
| SchoolsFirst Federal Credit Union | $670,000 | $855,000 | 27.6% | 0.0% |
| Discover Bank | $545,000 | $840,000 | 54.1% | 0.0% |
| Coastal Funding SLC Inc. | $580,000 | $835,000 | 44.0% | 0.0% |
| Sun American Mortgage Company | $825,000 | n/a | 0.0% | |
| New West Lending Inc. | $820,000 | n/a | 0.0% | |
| iServe Residential Lending LLC | $785,000 | n/a | 0.0% | |
| American Neighborhood Mortgage dba AnnieMac Home Mortgage | $235,000 | $780,000 | 231.9% | 0.0% |
| Draper and Kramer Mortgage Corp. | $95,000 | $780,000 | 721.1% | 0.0% |
| Crestline Funding Corporation | $775,000 | n/a | 0.0% | |
| 21ST MORTGAGE | $525,000 | $770,000 | 46.7% | 0.0% |
| Embrace Home Loans, Inc. | $2,005,000 | $755,000 | -62.3% | 0.0% |
| Absolute Home Mortgage Corporation | $750,000 | n/a | 0.0% | |
| BOKF NA | $385,000 | $745,000 | 93.5% | 0.0% |
| Alterra Group LLC dba Alterra Home Loans | $22,885,000 | $730,000 | -96.8% | 0.0% |
| Huntington National Bank | $725,000 | n/a | 0.0% | |
| Mann Mortgage LLC | $415,000 | $700,000 | 68.7% | 0.0% |
| Noble Federal Credit Union | $650,000 | $695,000 | 6.9% | 0.0% |
| TIAA, FSB | $1,745,000 | $695,000 | -60.2% | 0.0% |
| Magnolia Bank Incorporated | $205,000 | $685,000 | 234.1% | 0.0% |
| Residential Wholesale Mortgage | $275,000 | $675,000 | 145.5% | 0.0% |
| Loan Simple Inc | $200,000 | $670,000 | 235.0% | 0.0% |
| NEW WAVE LENDING GROUP INC | $480,000 | $670,000 | 39.6% | 0.0% |
| Consumers Credit Union | $655,000 | n/a | 0.0% | |
| General Mortgage Capital Corporation | $655,000 | n/a | 0.0% | |
| Prosperity Home Mortgage LLC | $650,000 | n/a | 0.0% | |
| Nationwide Mortgage Bankers Inc. | $195,000 | $645,000 | 230.8% | 0.0% |
| Guidance Residential LLC | $640,000 | n/a | 0.0% | |
| VanDyk Mortgage Corporation | $355,000 | $640,000 | 80.3% | 0.0% |
| HighTechLending Inc. | $175,000 | $635,000 | 262.9% | 0.0% |
| First Choice Loan Services Inc. | $2,735,000 | $630,000 | -77.0% | 0.0% |
| GSF Mortgage Corporation | $630,000 | n/a | 0.0% | |
| KINECTA FEDERAL CREDIT UNION | $145,000 | $630,000 | 334.5% | 0.0% |
| Fidelity Bank | $610,000 | n/a | 0.0% | |
| Customer Service Mortgage Corporation | $590,000 | n/a | 0.0% | |
| KD Capital Mortgage Corp. | $585,000 | n/a | 0.0% | |
| FAST FCU | $830,000 | $580,000 | -30.1% | 0.0% |
| Civic Financial Services | $575,000 | n/a | 0.0% | |
| Bank of England | $570,000 | n/a | 0.0% | |
| Ethos Lending LLC | $190,000 | $570,000 | 200.0% | 0.0% |
| United Mortgage Corp | $195,000 | $570,000 | 192.3% | 0.0% |
| Baxter Credit Union | $35,000 | $560,000 | 1,500.0% | 0.0% |
| First Centennial Mortgage Corp. | $560,000 | n/a | 0.0% | |
| Peoples Mortgage Company | $195,000 | $555,000 | 184.6% | 0.0% |
| Keller Mortgage LLC | $505,000 | $540,000 | 6.9% | 0.0% |
| Cf Bank National Association | $305,000 | $530,000 | 73.8% | 0.0% |
| DIRECT MORTGAGE CORP | $665,000 | $520,000 | -21.8% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $510,000 | n/a | 0.0% | |
| Operating Engineers Federal Credit Union | $575,000 | $510,000 | -11.3% | 0.0% |
| American Finance House Lariiba | $500,000 | n/a | 0.0% | |
| Colonial Savings | $500,000 | n/a | 0.0% | |
| On Q Financial Inc. | $495,000 | $495,000 | 0.0% | 0.0% |
| First Federal Bank of Kansas City | $245,000 | $490,000 | 100.0% | 0.0% |
| Mortgage Lenders of America LLC | $205,000 | $490,000 | 139.0% | 0.0% |
| Prime Mortgage Lending Inc. | $255,000 | $490,000 | 92.2% | 0.0% |
| RANLife, Inc. | $490,000 | n/a | 0.0% | |
| Morgan Stanley Private Bank NA | $1,115,000 | $485,000 | -56.5% | 0.0% |
| Umpqua Bank | $480,000 | n/a | 0.0% | |
| Boeing Employees' Credit Union (BECU) | $175,000 | $470,000 | 168.6% | 0.0% |
| Logix Federal Credit Union | $200,000 | $470,000 | 135.0% | 0.0% |
| ZB, N.A. | $835,000 | $470,000 | -43.7% | 0.0% |
| Orange County's Credit Union | $275,000 | $465,000 | 69.1% | 0.0% |
| United Security Financial | $490,000 | $460,000 | -6.1% | 0.0% |
| Nexera Holding LLC | $445,000 | n/a | 0.0% | |
| Intercap Lending Inc | $440,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $1,460,000 | $430,000 | -70.5% | 0.0% |
| Silver Hill Funding, LLC | $415,000 | n/a | 0.0% | |
| Third Federal Savings and Loan | $705,000 | $415,000 | -41.1% | 0.0% |
| Financial Partners Credit Union | $400,000 | n/a | 0.0% | |
| JMJ Financial Group Inc. | $430,000 | $400,000 | -7.0% | 0.0% |
| Capstone Direct Inc. | $395,000 | n/a | 0.0% | |
| Performance Financial, Inc. | $1,305,000 | $395,000 | -69.7% | 0.0% |
| First Home Bank | $375,000 | $390,000 | 4.0% | 0.0% |
| Finance of America Reverse LLC | $305,000 | $385,000 | 26.2% | 0.0% |
| KS StateBank | $385,000 | $385,000 | 0.0% | 0.0% |
| Grande Homes Inc | $380,000 | n/a | 0.0% | |
| Meridian Bank | $375,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $225,000 | $375,000 | 66.7% | 0.0% |
| The First Financial Federal Credit Union | $1,015,000 | $375,000 | -63.1% | 0.0% |
| Triad Financial Services Inc | $285,000 | $375,000 | 31.6% | 0.0% |
| AMERIS BANK | $370,000 | n/a | 0.0% | |
| Thrivent Federal Credit Union | $370,000 | n/a | 0.0% | |
| COASTHILLS CREDIT UNION | $365,000 | n/a | 0.0% | |
| HSBC BANK USA, NA | $735,000 | $365,000 | -50.3% | 0.0% |
| Ruoff Home Mortgage | $365,000 | n/a | 0.0% | |
| United Fidelity Funding Corp. | $365,000 | n/a | 0.0% | |
| Nudge Funding LLC | $360,000 | n/a | 0.0% | |
| Pacific Service Credit Union | $360,000 | n/a | 0.0% | |
| T2 Financial LLC | $360,000 | n/a | 0.0% | |
| Mortgage Management Consultants, Inc. | $350,000 | n/a | 0.0% | |
| Community Mortgage Funding LLC | $275,000 | $345,000 | 25.5% | 0.0% |
| Wall Financial dba WinPrime Lending | $275,000 | $345,000 | 25.5% | 0.0% |
| Geneva Financial LLC | $520,000 | $335,000 | -35.6% | 0.0% |
| Oaktree Funding Corporation | $235,000 | $335,000 | 42.6% | 0.0% |
| A&D Mortgage LLC | $325,000 | n/a | 0.0% | |
| FIRST INTERSTATE BANK | $325,000 | n/a | 0.0% | |
| Premia Mortgage, LLC | $325,000 | n/a | 0.0% | |
| Athas Capital Group | $545,000 | $310,000 | -43.1% | 0.0% |
| LeaderOne Financial Corp. | $205,000 | $305,000 | 48.8% | 0.0% |
| Velocity Commercial Capital LLC | $305,000 | n/a | 0.0% | |
| Charles Schwab Bank | $525,000 | $300,000 | -42.9% | 0.0% |
| Evolve Bank & Trust | $300,000 | n/a | 0.0% | |
| Credit Union of Southern California | $295,000 | n/a | 0.0% | |
| Lantzman Lending | $395,000 | $295,000 | -25.3% | 0.0% |
| Mortgage One Group | $295,000 | n/a | 0.0% | |
| Firefighters First Credit Union | $175,000 | $290,000 | 65.7% | 0.0% |
| Greenbox Loans Inc. | $440,000 | $285,000 | -35.2% | 0.0% |
| Total Mortgage Services LLC | $285,000 | n/a | 0.0% | |
| Victorian Finance, LLC | $285,000 | n/a | 0.0% | |
| Citizens Equity First Credit Union (CEFCU) | $280,000 | n/a | 0.0% | |
| Mortgage Unlimited LLC | $280,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants Inc. | $460,000 | $275,000 | -40.2% | 0.0% |
| Directors Mortgage, Inc. | $145,000 | $265,000 | 82.8% | 0.0% |
| Fay Servicing LLC | $265,000 | n/a | 0.0% | |
| ML Mortgage | $265,000 | $265,000 | 0.0% | 0.0% |
| Northrop Grumman Federal Credit Union | $265,000 | n/a | 0.0% | |
| Stanford Federal Credit Union | $95,000 | $265,000 | 178.9% | 0.0% |
| First Technology Credit Union | $165,000 | $260,000 | 57.6% | 0.0% |
| First National Bank Texas | $255,000 | n/a | 0.0% | |
| GATEWAY MORTGAGE GROUP | $255,000 | n/a | 0.0% | |
| Gold Star Mortgage Financial Group, Corporation | $255,000 | n/a | 0.0% | |
| HomeTrust Bank | $250,000 | n/a | 0.0% | |
| Axia Financial LLC | $245,000 | n/a | 0.0% | |
| CATHAY BANK | $245,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $240,000 | n/a | 0.0% | |
| Colten Mortgage | $235,000 | n/a | 0.0% | |
| Scenic Oaks Funding | $235,000 | n/a | 0.0% | |
| USC Credit Union | $235,000 | n/a | 0.0% | |
| Allied Mortgage Group Inc | $225,000 | n/a | 0.0% | |
| Homeowners Financial Group | $225,000 | n/a | 0.0% | |
| Redwood Credit Union | $370,000 | $225,000 | -39.2% | 0.0% |
| Towne Mortgage Company | $185,000 | $225,000 | 21.6% | 0.0% |
| All Western Mortgage | $215,000 | n/a | 0.0% | |
| Geo-Corp, Inc. | $215,000 | n/a | 0.0% | |
| Paramount Bank | $695,000 | $215,000 | -69.1% | 0.0% |
| Star One Credit Union | $215,000 | n/a | 0.0% | |
| Alaska USA Federal Credit Union | $210,000 | n/a | 0.0% | |
| Metro City Bank | $205,000 | n/a | 0.0% | |
| Financail Funding Solutions, Inc | $165,000 | $200,000 | 21.2% | 0.0% |
| Great Plains National Bank | $195,000 | n/a | 0.0% | |
| Home Funding Corporation | $255,000 | $195,000 | -23.5% | 0.0% |
| Los Angeles Police Federal Credit Union | $145,000 | $175,000 | 20.7% | 0.0% |
| Plains Commerce Bank | $175,000 | n/a | 0.0% | |
| Premier Lending Inc. | $205,000 | $175,000 | -14.6% | 0.0% |
| Travis Credit Union | $165,000 | $175,000 | 6.1% | 0.0% |
| Utilities Employees Credit Union | $175,000 | n/a | 0.0% | |
| Xceed Financial Credit Union | $175,000 | n/a | 0.0% | |
| Quorum Federal Credit Union | $355,000 | $170,000 | -52.1% | 0.0% |
| LendSure Mortgage Corp | $135,000 | $165,000 | 22.2% | 0.0% |
| Toyota Financial Savings Bank | $155,000 | n/a | 0.0% | |
| CALCAP Lending, LLC | $145,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $145,000 | n/a | 0.0% | |
| East West Bank | $145,000 | n/a | 0.0% | |
| Longbridge Financial, LLC | $95,000 | $145,000 | 52.6% | 0.0% |
| Mortgage 2000 Inc. | $145,000 | n/a | 0.0% | |
| PARTNERS UNITED FINANCIAL, LLC | $145,000 | n/a | 0.0% | |
| Willamette Valley Bank | $145,000 | n/a | 0.0% | |
| American Residential Lending | $135,000 | n/a | 0.0% | |
| Greater Nevada Mortgage Services | $135,000 | n/a | 0.0% | |
| LBS Financial Credit Union | $135,000 | n/a | 0.0% | |
| NOVA Financial & Investment Corporation dba: Nova Home Loans | $135,000 | n/a | 0.0% | |
| SecurityNational Mortgage Company | $500,000 | $135,000 | -73.0% | 0.0% |
| Credit Human Federal Credit Union | $445,000 | $125,000 | -71.9% | 0.0% |
| HomePromise Corporation | $245,000 | $125,000 | -49.0% | 0.0% |
| SAFE Credit Union | $125,000 | n/a | 0.0% | |
| California Coast Credit Union | $115,000 | n/a | 0.0% | |
| Alliance Credit Union | $105,000 | n/a | 0.0% | |
| AltaOne Federal Credit Union | $95,000 | n/a | 0.0% | |
| BM REAL ESTATE SERVICES, INC. | $95,000 | n/a | 0.0% | |
| Farmers Insurance Group Federal Credit Union | $85,000 | n/a | 0.0% | |
| Superior Choice Credit Union | $75,000 | n/a | 0.0% | |
| Equity Wave Lending Inc. | $240,000 | $55,000 | -77.1% | 0.0% |
| United States Senate Federal Credit Union | $160,000 | $55,000 | -65.6% | 0.0% |
| Advantis Credit Union | $35,000 | n/a | 0.0% | |
| Admiral's Bank | $25,000 | n/a | 0.0% | |
| Home Loan Investment Bank | $25,000 | $25,000 | 0.0% | 0.0% |
VISALIA's top lender by overall market share is Country Club Mortgage, Inc., with 11.9% market share. In second place, with 9.1%, is Quicken Loans, having originated $322,705,000 in loans. In third place, with 5.9%, is Freedom Mortgage Corporation, having originated $209,105,000 in loans. In third place, with 5.1%, is United Shore Financial Services LLC, having originated $179,395,000 in loans. In third place, with 5.0%, is Kings Mortgage Services Inc., having originated $178,515,000 in loans.
VISALIA, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 7,307 | $1,720,595,000 | $235,472 |
| Home Purchase | 5,232 | $1,264,550,000 | $241,695 |
| Cash Out Refi | 2,136 | $477,680,000 | $223,633 |
| Home Improvement | 425 | $64,155,000 | $150,953 |
| Other | 127 | $12,835,000 | $101,063 |
| NA | 2 | $220,000 | $110,000 |
Visalia's most frequently cited loan purpose was Refi, with 7,307 originations. The 2nd most popular reason was Home Purchase, with 5,232 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 6,337 | $1,508,765,000 | $238,088 |
| 2.5-3% | 5,676 | $1,380,500,000 | $243,217 |
| <2.5% | 1,991 | $412,605,000 | $207,235 |
| 4-5% | 807 | $168,855,000 | $209,238 |
| 5-6% | 157 | $29,015,000 | $184,809 |
| Over 8% | 54 | $5,740,000 | $106,296 |
| 6-7% | 35 | $4,355,000 | $124,429 |
| 7-8% | 26 | $3,310,000 | $127,308 |
During 2020, Visalia's most frequently originated rate bucket was 3-4%, with 6,337 originations.
Loan Sizing (VISALIA, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 8,419 | $2,270,855,000 | $269,730 |
| $100k-200k | 4,619 | $732,415,000 | $158,566 |
| $100,000 or less | 1,319 | $52,375,000 | $39,708 |
| $400k-600k | 795 | $364,215,000 | $458,132 |
| $600k-1000k | 60 | $43,610,000 | $726,833 |
| $Over $1MM | 17 | $76,565,000 | $4,503,824 |
VISALIA's loan sizing saw the bucket of loans from $200k-400k with 8,419 originations, totaling $2,270,855,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 5,852 | $1,551,340,000 | $265,096 |
| 60-80% | 4,938 | $1,214,760,000 | $246,002 |
| 40-60% | 1,753 | $349,475,000 | $199,358 |
| Under 20% | 758 | $13,710,000 | $18,087 |
| 20-40% | 445 | $57,425,000 | $129,045 |
| Over 100% | 138 | $45,890,000 | $332,536 |
VISALIA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 5,852 originations, totaling $1,551,340,000 in origination value.