YUBA CITY Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Yuba City averaged
6.81%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.86% and
one month ago for the week of 2025-04-17, the
average rate was 6.68%.
Yuba City's average rate one year ago was 6.87%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.32%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Yuba City 30 Year Fixed Rate | 2025-05-22 | 6.81% |
| Yuba City 30 Year Fixed Rate Refi | 2025-05-22 | 7.32% |
| Yuba City 15 Year Fixed Rate | 2025-05-22 | 5.81% |
| Yuba City 15 Year Fixed Rate Refi | 2025-05-22 | 5.91% |
| Yuba City 30 Year FHA | 2025-05-22 | 6.51% |
| Yuba City 30 Year FHA Refi | 2025-05-22 | 6.71% |
| Yuba City 30 Year USDA | 2025-05-22 | 6.33% |
| Yuba City 30 Year USDA Refi | 2025-05-22 | 6.53% |
| Yuba City 30 Year VA | 2025-05-22 | 6.21% |
| Yuba City 30 Year VA Refi | 2025-05-22 | 5.85% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within YUBA CITY, CA.
YUBA CITY 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 YUBA CITY, 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.).
YUBA CITY Average Closing Costs & Other Stats
YUBA CITY, CA's 116 lenders originated 3,077
loans during 2024. The total origination value was $965,225,000, with an average loan value of
$313,690.
YUBA CITY's average closing costs are $7,291.
The top YUBA CITY lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
206 loans originated. Their average total fees are
$9,214, which is $1,048
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee YUBA CITY lenders (with over 10 loans originated) are
Sierra Central Credit Union ($3,027), DHI MORTGAGE COMPANY, LTD. ($3,864), SCHOOLSFIRST ($4,249), THE GOLDEN 1 ($5,486) and Century Mortgage Company DBA Century Lending Company ($5,805).
The lowest rate YUBA CITY lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (5.10%), DHI MORTGAGE COMPANY, LTD. (5.77%), K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. (5.99%), U.S. Bank (6.15%) and Mr. Cooper ( Nationstar Mortgage ) (6.41%).
YUBA CITY, 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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $144,205,000 | $164,885,000 | 14.3% | 17.1% |
| QUICKEN LOANS, LLC | $40,640,000 | $69,420,000 | 70.8% | 7.2% |
| LOANDEPOT.COM, LLC | $45,025,000 | $44,870,000 | -0.3% | 4.6% |
| KBHS HOME LOANS, LLC | $30,380,000 | $43,490,000 | 43.2% | 4.5% |
| GUILD MORTGAGE COMPANY | $34,085,000 | $39,545,000 | 16.0% | 4.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $33,560,000 | $35,020,000 | 4.4% | 3.6% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | $18,655,000 | $21,935,000 | 17.6% | 2.3% |
| Century Mortgage Company DBA Century Lending Company | $11,305,000 | $20,415,000 | 80.6% | 2.1% |
| EAGLE HOME MORTGAGE, LLC | $21,945,000 | $19,615,000 | -10.6% | 2.0% |
| The Loan Store, Inc. | $6,285,000 | $19,545,000 | 211.0% | 2.0% |
| JPMorgan Chase Bank | $25,970,000 | $17,920,000 | -31.0% | 1.9% |
| FREEDOM MORTGAGE CORPORATION | $5,305,000 | $15,200,000 | 186.5% | 1.6% |
| Mortgage Research Center, LLC | $13,745,000 | $14,720,000 | 7.1% | 1.5% |
| DHI MORTGAGE COMPANY, LTD. | $2,300,000 | $13,945,000 | 506.3% | 1.4% |
| MOVEMENT MORTGAGE, LLC | $5,430,000 | $13,330,000 | 145.5% | 1.4% |
| U.S. Bank | $9,535,000 | $13,115,000 | 37.5% | 1.4% |
| GUARANTEED RATE, INC. | $7,950,000 | $11,735,000 | 47.6% | 1.2% |
| Sierra Central Credit Union | $4,095,000 | $10,965,000 | 167.8% | 1.1% |
| SCHOOLSFIRST | $10,435,000 | $10,945,000 | 4.9% | 1.1% |
| THE GOLDEN 1 | $8,800,000 | $10,900,000 | 23.9% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $7,650,000 | $10,835,000 | 41.6% | 1.1% |
| Flagstar Bank, FSB | $6,735,000 | $10,370,000 | 54.0% | 1.1% |
| HOMEAMERICAN MORTGAGE CORPORATION | $16,700,000 | $9,440,000 | -43.5% | 1.0% |
| Sierra Pacific Mortgage Company, Inc. | $13,550,000 | $9,110,000 | -32.8% | 0.9% |
| BROKER SOLUTIONS, INC. | $6,300,000 | $7,370,000 | 17.0% | 0.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $7,290,000 | $7,260,000 | -0.4% | 0.8% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $13,765,000 | $7,000,000 | -49.1% | 0.7% |
| Tri Counties Bank | $7,060,000 | $6,810,000 | -3.5% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $2,975,000 | $6,530,000 | 119.5% | 0.7% |
| American Mortgage & Equity Consultants, Inc. | $420,000 | $6,520,000 | 1,452.4% | 0.7% |
| Paramount Residential Mortgage Group, Inc. | $10,885,000 | $6,430,000 | -40.9% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,875,000 | $6,180,000 | 59.5% | 0.6% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $13,570,000 | $5,915,000 | -56.4% | 0.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $3,345,000 | $5,525,000 | 65.2% | 0.6% |
| NEWREZ LLC | $3,930,000 | $4,505,000 | 14.6% | 0.5% |
| VILLAGE CAPITAL MORTGAGE | $1,000,000 | $4,405,000 | 340.5% | 0.5% |
| Umpqua Bank | $5,610,000 | $4,390,000 | -21.7% | 0.5% |
| Merchants Mortgage & Trust Corporation | $450,000 | $4,205,000 | 834.4% | 0.4% |
| PLAZA HOME MORTGAGE, INC. | $1,455,000 | $3,420,000 | 135.1% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $755,000 | $3,350,000 | 343.7% | 0.3% |
| Wells Fargo Bank | $6,770,000 | $3,315,000 | -51.0% | 0.3% |
| Equity Prime Mortgage LLC | $1,320,000 | $3,290,000 | 149.2% | 0.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,215,000 | $3,205,000 | 163.8% | 0.3% |
| OCMBC, INC. | $935,000 | $3,105,000 | 232.1% | 0.3% |
| GUARANTEED RATE AFFINITY, LLC | $1,530,000 | $2,980,000 | 94.8% | 0.3% |
| SUMMIT FUNDING, INC. | $5,510,000 | $2,980,000 | -45.9% | 0.3% |
| SUN WEST MORTGAGE COMPANY, INC. | $745,000 | $2,910,000 | 290.6% | 0.3% |
| TRAVIS CREDIT UNION | $385,000 | $2,870,000 | 645.5% | 0.3% |
| SCENIC OAKS FUNDING, INC. | $730,000 | $2,850,000 | 290.4% | 0.3% |
| SAFE CREDIT UNION | $9,185,000 | $2,795,000 | -69.6% | 0.3% |
| ALAMEDA MORTGAGE CORPORATION | $2,755,000 | $2,770,000 | 0.5% | 0.3% |
| ZILLOW HOME LOANS, LLC | $1,185,000 | $2,580,000 | 117.7% | 0.3% |
| Bank of America | $3,080,000 | $2,540,000 | -17.5% | 0.3% |
| Figure Lending LLC | $975,000 | $2,420,000 | 148.2% | 0.3% |
| AMWEST FUNDING CORP. | $1,320,000 | $2,335,000 | 76.9% | 0.2% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $1,270,000 | $2,300,000 | 81.1% | 0.2% |
| Carrington Mortgage Services, LLC | $2,695,000 | $2,250,000 | -16.5% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,575,000 | $2,250,000 | 42.9% | 0.2% |
| Northwest Farm Credit Services, FLCA | $550,000 | $2,170,000 | 294.5% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $430,000 | $1,945,000 | 352.3% | 0.2% |
| BMO Harris Bank | $1,085,000 | $1,910,000 | 76.0% | 0.2% |
| AmeriHome Mortgage Company, LLC | $265,000 | $1,905,000 | 618.9% | 0.2% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $2,285,000 | $1,905,000 | -16.6% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $3,720,000 | $1,870,000 | -49.7% | 0.2% |
| Cornerstone First Mortgage, Inc | $1,830,000 | n/a | 0.2% | |
| CMG MORTGAGE, INC. | $4,270,000 | $1,715,000 | -59.8% | 0.2% |
| LONGBRIDGE FINANCIAL, LLC | $635,000 | $1,695,000 | 166.9% | 0.2% |
| JMAC LENDING, INC. | $945,000 | $1,640,000 | 73.5% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $295,000 | $1,540,000 | 422.0% | 0.2% |
| The Federal Savings Bank | $275,000 | $1,530,000 | 456.4% | 0.2% |
| CARDINAL FINANCIAL | $7,090,000 | $1,525,000 | -78.5% | 0.2% |
| Commerce Home Mortgage, Inc. | $4,225,000 | $1,470,000 | -65.2% | 0.2% |
| CANOPY MORTGAGE, LLC | $2,330,000 | $1,435,000 | -38.4% | 0.1% |
| Discover Bank | $1,980,000 | $1,430,000 | -27.8% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $135,000 | $1,370,000 | 914.8% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $1,195,000 | $1,365,000 | 14.2% | 0.1% |
| Banner Bank | $785,000 | $1,360,000 | 73.2% | 0.1% |
| Citibank | $460,000 | $1,340,000 | 191.3% | 0.1% |
| Lakeview Community Capital, LLC | $1,235,000 | n/a | 0.1% | |
| Plains Commerce Bank | $1,340,000 | $1,225,000 | -8.6% | 0.1% |
| SPRING EQ, LLC | $190,000 | $1,205,000 | 534.2% | 0.1% |
| Coastal Community Bank | $240,000 | $1,175,000 | 389.6% | 0.1% |
| NEW WAVE LENDING GROUP INC | $1,155,000 | n/a | 0.1% | |
| Self-Help Federal Credit Union | $305,000 | $1,155,000 | 278.7% | 0.1% |
| Hometown Equity Mortgage, LLC | $585,000 | $1,140,000 | 94.9% | 0.1% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $3,765,000 | $1,130,000 | -70.0% | 0.1% |
| Citizens Business Bank | $1,080,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $215,000 | $1,070,000 | 397.7% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,745,000 | $1,070,000 | -38.7% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $215,000 | $1,065,000 | 395.3% | 0.1% |
| PHH Mortgage Corporation | $350,000 | $1,040,000 | 197.1% | 0.1% |
| LOANPAL, LLC | $1,440,000 | $1,035,000 | -28.1% | 0.1% |
| NEXERA HOLDING LLC | $265,000 | $1,015,000 | 283.0% | 0.1% |
| FIRST TECHNOLOGY | $170,000 | $1,005,000 | 491.2% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $35,000 | $965,000 | 2,657.1% | 0.1% |
| Armed Forces Bank | $940,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $255,000 | $875,000 | 243.1% | 0.1% |
| Golden Empire Mortgage, Inc. | $810,000 | n/a | 0.1% | |
| Exchange Bank | $805,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $805,000 | n/a | 0.1% | |
| General Mortgage Capital Corporation | $795,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $680,000 | $770,000 | 13.2% | 0.1% |
| Nations Lending Corporation | $760,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $750,000 | n/a | 0.1% | |
| First-Citizens Bank & Trust Company | $475,000 | $735,000 | 54.7% | 0.1% |
| PREMIER LENDING, INC. | $695,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $395,000 | $695,000 | 75.9% | 0.1% |
| AXIA FINANCIAL, LLC | $1,020,000 | $680,000 | -33.3% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $690,000 | $675,000 | -2.2% | 0.1% |
| PNC Bank | $535,000 | $675,000 | 26.2% | 0.1% |
| Goldwater Bank, N.A. | $665,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $130,000 | $665,000 | 411.5% | 0.1% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $1,250,000 | $650,000 | -48.0% | 0.1% |
| Performance Financial, Inc. | $650,000 | n/a | 0.1% | |
| Fremont Bank | $125,000 | $640,000 | 412.0% | 0.1% |
| ALLIANT CREDIT UNION | $480,000 | $620,000 | 29.2% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $605,000 | n/a | 0.1% | |
| CLEARPATH LENDING | $600,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $1,855,000 | $590,000 | -68.2% | 0.1% |
| PLANET HOME LENDING, LLC | $7,535,000 | $565,000 | -92.5% | 0.1% |
| SACRAMENTO Credit Union | $55,000 | $555,000 | 909.1% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $550,000 | n/a | 0.1% | |
| FOUNDATION MORTGAGE CORPORATION | $550,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $990,000 | $550,000 | -44.4% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $510,000 | $545,000 | 6.9% | 0.1% |
| Greenbox Loans, Inc. | $155,000 | $540,000 | 248.4% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $265,000 | $540,000 | 103.8% | 0.1% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $525,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,270,000 | $520,000 | -59.1% | 0.1% |
| ALTITUDE FINANCIAL CORPORATION | $495,000 | n/a | 0.1% | |
| Texana Bank | $495,000 | n/a | 0.1% | |
| CALCON MUTUAL MORTGAGE LLC | $1,430,000 | $490,000 | -65.7% | 0.1% |
| ENVOY MORTGAGE, LTD | $475,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $475,000 | n/a | 0.0% | |
| NEW DAY FINANCIAL, LLC | $965,000 | $475,000 | -50.8% | 0.0% |
| The Central Trust Bank | $475,000 | n/a | 0.0% | |
| USAA Federal Savings Bank | $1,025,000 | $455,000 | -55.6% | 0.0% |
| WESCOM CENTRAL CREDIT UNION | $455,000 | n/a | 0.0% | |
| CLM MORTGAGE, INC | $445,000 | n/a | 0.0% | |
| Constant Investments, Inc. | $415,000 | $445,000 | 7.2% | 0.0% |
| UNION HOME MORTGAGE CORP. | $445,000 | n/a | 0.0% | |
| PATELCO | $535,000 | $440,000 | -17.8% | 0.0% |
| Home Mortgage Alliance Corp | $435,000 | n/a | 0.0% | |
| Quontic Bank | $435,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $745,000 | $425,000 | -43.0% | 0.0% |
| First Bank | $5,000 | $425,000 | 8,400.0% | 0.0% |
| NBKC BANK | $325,000 | $425,000 | 30.8% | 0.0% |
| DATA MORTGAGE, INC. | $420,000 | n/a | 0.0% | |
| BETTER MORTGAGE CORPORATION | $1,105,000 | $415,000 | -62.4% | 0.0% |
| GTE Federal Credit Union | $125,000 | $415,000 | 232.0% | 0.0% |
| TJC Mortgage, Inc. | $800,000 | $415,000 | -48.1% | 0.0% |
| RESIDENTIAL BANCORP | $250,000 | $410,000 | 64.0% | 0.0% |
| Ameris Bank | $405,000 | n/a | 0.0% | |
| INTELLILOAN, INC. | $405,000 | n/a | 0.0% | |
| INTERNATIONAL CITY MORTGAGE, INC. | $1,065,000 | $405,000 | -62.0% | 0.0% |
| CHEVRON | $25,000 | $400,000 | 1,500.0% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $120,000 | $400,000 | 233.3% | 0.0% |
| JMJ FINANCIAL GROUP | $395,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $670,000 | $395,000 | -41.0% | 0.0% |
| CENTRAL COAST LENDING, INC. | $385,000 | n/a | 0.0% | |
| VAL-CHRIS INVESTMENTS, INC. | $185,000 | $370,000 | 100.0% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $370,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $365,000 | n/a | 0.0% | |
| HomePromise Corporation | $365,000 | n/a | 0.0% | |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $355,000 | n/a | 0.0% | |
| Zions Bank | $950,000 | $355,000 | -62.6% | 0.0% |
| FIRST U.S. COMMUNITY CREDIT UNION | $365,000 | $350,000 | -4.1% | 0.0% |
| RANLIFE, INC. | $345,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $465,000 | $335,000 | -28.0% | 0.0% |
| EMM LOANS LLC | $325,000 | n/a | 0.0% | |
| MOUNTAIN WEST FINANCIAL, INC. | $1,280,000 | $325,000 | -74.6% | 0.0% |
| RBC Bank, (Georgia) | $325,000 | n/a | 0.0% | |
| S1L, Inc. | $2,035,000 | $325,000 | -84.0% | 0.0% |
| ONY GLO, INC. | $355,000 | $315,000 | -11.3% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $430,000 | $305,000 | -29.1% | 0.0% |
| HomeTrust Bank | $305,000 | n/a | 0.0% | |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $305,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $495,000 | $290,000 | -41.4% | 0.0% |
| DIRECTORS MORTGAGE, INC. | $285,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $285,000 | n/a | 0.0% | |
| INFINITY EQUITY GROUP, INC. | $275,000 | n/a | 0.0% | |
| NMSI, INC. | $275,000 | n/a | 0.0% | |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $380,000 | $265,000 | -30.3% | 0.0% |
| OPEN MORTGAGE, LLC | $235,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $245,000 | $225,000 | -8.2% | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | $115,000 | $225,000 | 95.7% | 0.0% |
| Vellum Mortgage, Inc. | $225,000 | n/a | 0.0% | |
| VERITAS FUNDING, LLC | $925,000 | $225,000 | -75.7% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $215,000 | n/a | 0.0% | |
| PACIFIC SERVICE | $660,000 | $215,000 | -67.4% | 0.0% |
| SIRVA MORTGAGE, INC. | $215,000 | n/a | 0.0% | |
| Truist | $505,000 | $205,000 | -59.4% | 0.0% |
| GOOGAIN, INC. | $195,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $190,000 | $185,000 | -2.6% | 0.0% |
| EQUITY WAVE LENDING, INC. | $175,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $175,000 | n/a | 0.0% | |
| CORNERSTONE HOME LENDING, INC. | $3,040,000 | $165,000 | -94.6% | 0.0% |
| GMFS LLC | $165,000 | n/a | 0.0% | |
| STANFORD Federal Credit Union | $155,000 | n/a | 0.0% | |
| Firefighters First Federal Credit Union | $1,320,000 | $140,000 | -89.4% | 0.0% |
| Connexus Credit Union | $135,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $135,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $85,000 | $130,000 | 52.9% | 0.0% |
| Yolo Federal Credit Union | $125,000 | n/a | 0.0% | |
| Baxter Credit Union | $105,000 | n/a | 0.0% | |
| Comerica Bank | $105,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $75,000 | $105,000 | 40.0% | 0.0% |
| LANTZMAN MANAGEMENT, INC. | $505,000 | $105,000 | -79.2% | 0.0% |
| STAR ONE CREDIT UNION | $740,000 | $95,000 | -87.2% | 0.0% |
| USAlliance Federal Credit Union | $95,000 | n/a | 0.0% | |
| Franklin Loan Corporation | $325,000 | $55,000 | -83.1% | 0.0% |
| LADERA LENDING, INC. | $55,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| First Bank | $5,000 | $45,000 | 800.0% | 0.0% |
| Farmers & Merchants Bank of Central California | $15,000 | n/a | 0.0% |
YUBA CITY's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 17.1% market share. In second place, with 7.2%, is QUICKEN LOANS, LLC, having originated $69,420,000 in loans. In third place, with 4.6%, is LOANDEPOT.COM, LLC, having originated $44,870,000 in loans. In fourth place, with 4.5%, is KBHS HOME LOANS, LLC, having originated $43,490,000 in loans. In fifth place, with 4.1%, is GUILD MORTGAGE COMPANY, having originated $39,545,000 in loans.
YUBA CITY Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - YUBA CITY (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 | $299,900 (9.9%) | $357,671 (6.7%) | 1.11 | 328 |
| 2018-02-01 | $305,011 (5.6%) | $360,799 (6.5%) | 1.11 | 320 |
| 2018-03-01 | $316,750 (8.7%) | $371,416 (10.0%) | 1.11 | 306 |
| 2018-04-01 | $331,250 (11.5%) | $383,797 (9.2%) | 1.12 | 324 |
| 2018-05-01 | $329,000 (11.0%) | $384,538 (6.3%) | 1.10 | 363 |
| 2018-06-01 | $328,850 (9.6%) | $382,254 (5.5%) | 1.10 | 390 |
| 2018-07-01 | $320,963 (7.0%) | $367,120 (1.4%) | 1.07 | 443 |
| 2018-08-01 | $317,475 (6.2%) | $359,482 (0.3%) | 1.06 | 490 |
| 2018-09-01 | $319,900 (7.0%) | $366,818 (4.3%) | 1.08 | 499 |
| 2018-10-01 | $312,500 (5.9%) | $364,765 (5.8%) | 1.06 | 500 |
| 2018-11-01 | $306,725 (4.0%) | $358,956 (3.5%) | 1.04 | 463 |
| 2018-12-01 | $300,000 (1.7%) | $348,567 (-0.8%) | 1.03 | 378 |
| 2019-01-01 | $299,950 (0.0%) | $354,149 (-1.0%) | 1.04 | 316 |
| 2019-02-01 | $312,450 (2.4%) | $377,542 (4.6%) | 1.06 | 317 |
| 2019-03-01 | $322,959 (2.0%) | $392,108 (5.6%) | 1.06 | 306 |
| 2019-04-01 | $328,639 (-0.8%) | $393,605 (2.6%) | 1.04 | 317 |
| 2019-05-01 | $327,425 (-0.5%) | $401,301 (4.4%) | 1.02 | 364 |
| 2019-06-01 | $334,900 (1.8%) | $393,127 (2.8%) | 1.05 | 388 |
| 2019-07-01 | $335,000 (4.4%) | $395,106 (7.6%) | 1.05 | 420 |
| 2019-08-01 | $331,636 (4.5%) | $380,067 (5.7%) | 1.05 | 424 |
| 2019-09-01 | $329,591 (3.0%) | $370,612 (1.0%) | 1.05 | 420 |
| 2019-10-01 | $331,702 (6.1%) | $367,430 (0.7%) | 1.07 | 397 |
| 2019-11-01 | $339,000 (10.5%) | $379,836 (5.8%) | 1.11 | 384 |
| 2019-12-01 | $329,950 (10.0%) | $393,866 (13.0%) | 1.10 | 316 |
| 2020-01-01 | $333,250 (11.1%) | $381,398 (7.7%) | 1.11 | 284 |
| 2020-02-01 | $349,999 (12.0%) | $395,475 (4.8%) | 1.15 | 287 |
| 2020-03-01 | $359,975 (11.5%) | $416,798 (6.3%) | 1.13 | 300 |
| 2020-04-01 | $360,000 (9.5%) | $418,794 (6.4%) | 1.13 | 299 |
| 2020-05-01 | $389,475 (19.0%) | $445,558 (11.0%) | 1.18 | 250 |
| 2020-06-01 | $386,900 (15.5%) | $439,568 (11.8%) | 1.14 | 219 |
| 2020-07-01 | $386,475 (15.4%) | $445,305 (12.7%) | 1.12 | 200 |
| 2020-08-01 | $375,000 (13.1%) | $441,066 (16.1%) | 1.07 | 190 |
| 2020-09-01 | $392,500 (19.1%) | $453,492 (22.4%) | 1.12 | 170 |
| 2020-10-01 | $385,000 (16.1%) | $457,886 (24.6%) | 1.10 | 189 |
| 2020-11-01 | $402,000 (18.6%) | $455,020 (19.8%) | 1.18 | 157 |
| 2020-12-01 | $404,400 (22.6%) | $448,803 (14.0%) | 1.20 | 136 |
| 2021-01-01 | $399,900 (20.0%) | $482,044 (26.4%) | 1.19 | 100 |
| 2021-02-01 | $402,475 (15.0%) | $502,939 (27.2%) | 1.17 | 115 |
| 2021-03-01 | $407,500 (13.2%) | $502,750 (20.6%) | 1.16 | 116 |
| 2021-04-01 | $405,000 (12.5%) | $491,753 (17.4%) | 1.10 | 140 |
| 2021-05-01 | $419,900 (7.8%) | $506,822 (13.8%) | 1.12 | 138 |
| 2021-06-01 | $432,500 (11.8%) | $559,511 (27.3%) | 1.14 | 182 |
| 2021-07-01 | $429,900 (11.2%) | $540,832 (21.5%) | 1.13 | 212 |
| 2021-08-01 | $417,475 (11.3%) | $504,225 (14.3%) | 1.11 | 204 |
| 2021-09-01 | $422,500 (7.6%) | $505,573 (11.5%) | 1.13 | 222 |
| 2021-10-01 | $429,995 (11.7%) | $521,346 (13.9%) | 1.15 | 226 |
| 2021-11-01 | $440,450 (9.6%) | $533,278 (17.2%) | 1.18 | 223 |
| 2021-12-01 | $443,000 (9.6%) | $514,124 (14.6%) | 1.20 | 166 |
| 2022-01-01 | $452,500 (13.2%) | $524,805 (8.9%) | 1.22 | 148 |
| 2022-02-01 | $474,950 (18.0%) | $532,033 (5.8%) | 1.24 | 150 |
| 2022-03-01 | $477,000 (17.1%) | $537,959 (7.0%) | 1.19 | 178 |
| 2022-04-01 | $475,000 (17.3%) | $529,955 (7.8%) | 1.13 | 212 |
| 2022-05-01 | $492,890 (17.4%) | $528,117 (4.2%) | 1.13 | 272 |
| 2022-06-01 | $480,117 (11.0%) | $532,822 (-4.8%) | 1.07 | 328 |
| 2022-07-01 | $470,000 (9.3%) | $524,666 (-3.0%) | 1.06 | 373 |
| 2022-08-01 | $459,900 (10.2%) | $516,903 (2.5%) | 1.06 | 432 |
| 2022-09-01 | $455,000 (7.7%) | $508,772 (0.6%) | 1.06 | 422 |
| 2022-10-01 | $451,500 (5.0%) | $504,582 (-3.2%) | 1.06 | 403 |
| 2022-11-01 | $457,750 (3.9%) | $514,050 (-3.6%) | 1.10 | 376 |
| 2022-12-01 | $452,900 (2.2%) | $512,768 (-0.3%) | 1.12 | 321 |
| 2023-01-01 | $459,900 (1.6%) | $511,818 (-2.5%) | 1.14 | 279 |
| 2023-02-01 | $459,725 (-3.2%) | $508,514 (-4.4%) | 1.11 | 279 |
| 2023-03-01 | $472,475 (-1.0%) | $523,697 (-2.7%) | 1.11 | 262 |
| 2023-04-01 | $475,000 (0.0%) | $538,148 (1.6%) | 1.10 | 209 |
| 2023-05-01 | $469,875 (-4.7%) | $538,921 (2.1%) | 1.07 | 209 |
| 2023-06-01 | $479,500 (-0.1%) | $553,010 (3.8%) | 1.08 | 216 |
| 2023-07-01 | $479,000 (1.9%) | $537,840 (2.5%) | 1.09 | 225 |
| 2023-08-01 | $469,225 (2.0%) | $516,377 (-0.1%) | 1.08 | 230 |
| 2023-09-01 | $469,000 (3.1%) | $510,580 (0.4%) | 1.09 | 245 |
| 2023-10-01 | $459,875 (1.9%) | $507,553 (0.6%) | 1.08 | 255 |
| 2023-11-01 | $471,950 (3.1%) | $497,881 (-3.2%) | 1.12 | 259 |
| 2023-12-01 | $459,999 (1.6%) | $487,451 (-4.9%) | 1.12 | 242 |
| 2024-01-01 | $462,000 (0.5%) | $478,860 (-6.4%) | 1.13 | 220 |
| 2024-02-01 | $465,444 (1.2%) | $482,334 (-5.2%) | 1.12 | 205 |
| 2024-03-01 | $467,000 (-1.2%) | $481,521 (-8.1%) | 1.10 | 229 |
| 2024-04-01 | $469,356 (-1.2%) | $498,365 (-7.4%) | 1.09 | 264 |
| 2024-05-01 | $480,000 (2.2%) | $510,886 (-5.2%) | 1.09 | 298 |
| 2024-06-01 | $478,990 (-0.1%) | $522,397 (-5.5%) | 1.09 | 339 |
| 2024-07-01 | $475,082 (-0.8%) | $518,390 (-3.6%) | 1.09 | 340 |
| 2024-08-01 | $480,000 (2.3%) | $525,251 (1.7%) | 1.12 | 348 |
| 2024-09-01 | $484,950 (3.4%) | $523,342 (2.5%) | 1.14 | 355 |
| 2024-10-01 | $480,975 (4.6%) | $514,031 (1.3%) | 1.13 | 386 |
| 2024-11-01 | $484,450 (2.7%) | $504,717 (1.4%) | 1.16 | 394 |
| 2024-12-01 | $488,725 (6.2%) | $514,755 (5.6%) | 1.21 | 346 |
| 2025-01-01 | $478,950 (3.7%) | $504,610 (5.4%) | 1.20 | 307 |
| 2025-02-01 | $484,725 (4.1%) | $504,407 (4.6%) | 1.18 | 310 |
| 2025-03-01 | $485,000 (3.9%) | $504,062 (4.7%) | 1.14 | 328 |
| 2025-04-01 | $487,500 (3.9%) | $502,942 (0.9%) | 1.13 | 357 |
YUBA CITY's median listing price for 2025-04-01 was $487,500, a difference of
$18,144
(3.9%) versus the prior year and
$2,500 versus the prior month.
YUBA CITY's median listing price comes in at 113% of the national average.
YUBA CITY's average listing price for 2025-04-01 was $502,942, a difference of $4,577 (0.9%) versus the prior year and $-1,120 versus the prior month.
For the 2025-04-01 period, YUBA CITY had 357 MLS listings, a difference of 29 listings (9%) versus the prior month and 93 listings (35%) versus the prior year.
YUBA CITY's median listing price comes in at 113% of the national average.
YUBA CITY's average listing price for 2025-04-01 was $502,942, a difference of $4,577 (0.9%) versus the prior year and $-1,120 versus the prior month.
For the 2025-04-01 period, YUBA CITY had 357 MLS listings, a difference of 29 listings (9%) versus the prior month and 93 listings (35%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - YUBA CITY (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 69 days | 1,841 sqft |
| 2018-02-01 | 61 days | 1,847 sqft |
| 2018-03-01 | 47 days | 1,873 sqft |
| 2018-04-01 | 43 days | 1,883 sqft |
| 2018-05-01 | 38 days | 1,887 sqft |
| 2018-06-01 | 41 days | 1,853 sqft |
| 2018-07-01 | 40 days | 1,807 sqft |
| 2018-08-01 | 43 days | 1,786 sqft |
| 2018-09-01 | 51 days | 1,829 sqft |
| 2018-10-01 | 55 days | 1,785 sqft |
| 2018-11-01 | 57 days | 1,719 sqft |
| 2018-12-01 | 66 days | 1,712 sqft |
| 2019-01-01 | 62 days | 1,639 sqft |
| 2019-02-01 | 52 days | 1,678 sqft |
| 2019-03-01 | 48 days | 1,687 sqft |
| 2019-04-01 | 43 days | 1,692 sqft |
| 2019-05-01 | 38 days | 1,681 sqft |
| 2019-06-01 | 44 days | 1,728 sqft |
| 2019-07-01 | 46 days | 1,736 sqft |
| 2019-08-01 | 50 days | 1,744 sqft |
| 2019-09-01 | 55 days | 1,760 sqft |
| 2019-10-01 | 58 days | 1,791 sqft |
| 2019-11-01 | 58 days | 1,867 sqft |
| 2019-12-01 | 72 days | 1,826 sqft |
| 2020-01-01 | 73 days | 1,853 sqft |
| 2020-02-01 | 47 days | 1,865 sqft |
| 2020-03-01 | 45 days | 1,895 sqft |
| 2020-04-01 | 52 days | 1,865 sqft |
| 2020-05-01 | 71 days | 2,033 sqft |
| 2020-06-01 | 75 days | 2,006 sqft |
| 2020-07-01 | 73 days | 1,933 sqft |
| 2020-08-01 | 48 days | 1,906 sqft |
| 2020-09-01 | 44 days | 1,990 sqft |
| 2020-10-01 | 44 days | 1,865 sqft |
| 2020-11-01 | 51 days | 1,861 sqft |
| 2020-12-01 | 62 days | 1,837 sqft |
| 2021-01-01 | 54 days | 1,812 sqft |
| 2021-02-01 | 27 days | 1,828 sqft |
| 2021-03-01 | 33 days | 1,805 sqft |
| 2021-04-01 | 26 days | 1,861 sqft |
| 2021-05-01 | 29 days | 1,850 sqft |
| 2021-06-01 | 25 days | 1,788 sqft |
| 2021-07-01 | 27 days | 1,750 sqft |
| 2021-08-01 | 38 days | 1,656 sqft |
| 2021-09-01 | 37 days | 1,661 sqft |
| 2021-10-01 | 38 days | 1,716 sqft |
| 2021-11-01 | 42 days | 1,754 sqft |
| 2021-12-01 | 51 days | 1,759 sqft |
| 2022-01-01 | 49 days | 1,791 sqft |
| 2022-02-01 | 32 days | 1,760 sqft |
| 2022-03-01 | 25 days | 1,806 sqft |
| 2022-04-01 | 26 days | 1,754 sqft |
| 2022-05-01 | 29 days | 1,846 sqft |
| 2022-06-01 | 32 days | 1,834 sqft |
| 2022-07-01 | 40 days | 1,790 sqft |
| 2022-08-01 | 47 days | 1,784 sqft |
| 2022-09-01 | 48 days | 1,794 sqft |
| 2022-10-01 | 54 days | 1,818 sqft |
| 2022-11-01 | 62 days | 1,802 sqft |
| 2022-12-01 | 69 days | 1,756 sqft |
| 2023-01-01 | 74 days | 1,801 sqft |
| 2023-02-01 | 54 days | 1,789 sqft |
| 2023-03-01 | 53 days | 1,853 sqft |
| 2023-04-01 | 50 days | 1,866 sqft |
| 2023-05-01 | 38 days | 1,870 sqft |
| 2023-06-01 | 39 days | 1,947 sqft |
| 2023-07-01 | 46 days | 1,924 sqft |
| 2023-08-01 | 45 days | 1,905 sqft |
| 2023-09-01 | 40 days | 1,900 sqft |
| 2023-10-01 | 47 days | 1,878 sqft |
| 2023-11-01 | 52 days | 1,867 sqft |
| 2023-12-01 | 52 days | 1,810 sqft |
| 2024-01-01 | 58 days | 1,784 sqft |
| 2024-02-01 | 58 days | 1,787 sqft |
| 2024-03-01 | 44 days | 1,780 sqft |
| 2024-04-01 | 41 days | 1,818 sqft |
| 2024-05-01 | 35 days | 1,837 sqft |
| 2024-06-01 | 43 days | 1,832 sqft |
| 2024-07-01 | 46 days | 1,818 sqft |
| 2024-08-01 | 50 days | 1,837 sqft |
| 2024-09-01 | 51 days | 1,859 sqft |
| 2024-10-01 | 47 days | 1,865 sqft |
| 2024-11-01 | 52 days | 1,871 sqft |
| 2024-12-01 | 70 days | 1,882 sqft |
| 2025-01-01 | 73 days | 1,845 sqft |
| 2025-02-01 | 53 days | 1,837 sqft |
| 2025-03-01 | 44 days | 1,837 sqft |
| 2025-04-01 | 40 days | 1,837 sqft |
YUBA CITY's median listing age (time on market) for 2025-04-01 was 40 days.
This
is -2%
shorter
than the same period one year ago.
YUBA CITY's median square footage for active listings during the 2025-04-01 period was 1,837 sqft. One year prior, the average listing was 1,818 sqft.
YUBA CITY's median square footage for active listings during the 2025-04-01 period was 1,837 sqft. One year prior, the average listing was 1,818 sqft.
YUBA CITY, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,831 | $699,215,000 | $381,876 |
| Cash Out Refi | 428 | $99,780,000 | $233,131 |
| Refi | 373 | $120,555,000 | $323,204 |
| Other | 235 | $23,655,000 | $100,660 |
| Home Improvement | 210 | $22,020,000 | $104,857 |
Yuba City's most frequently cited loan purpose was Home Purchase, with 1,831 originations. The 2nd most popular reason was Cash Out Refi, with 428 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,265 | $474,795,000 | $375,332 |
| Over 8% | 622 | $78,300,000 | $125,884 |
| 5-6% | 564 | $230,320,000 | $408,369 |
| 7-8% | 456 | $135,890,000 | $298,004 |
| <2.5% | 81 | $3,015,000 | $37,222 |
| 4-5% | 65 | $28,725,000 | $441,923 |
| 3-4% | 12 | $6,150,000 | $512,500 |
| 2.5-3% | 5 | $1,775,000 | $355,000 |
During 2024, Yuba City's most frequently originated rate bucket was 6-7%, with 1,265 originations.
Loan Sizing (YUBA CITY, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,099 | $346,805,000 | $315,564 |
| $400k-600k | 977 | $456,755,000 | $467,508 |
| $100,000 or less | 548 | $27,980,000 | $51,058 |
| $100k-200k | 361 | $49,585,000 | $137,355 |
| $600k-1000k | 82 | $55,810,000 | $680,610 |
| $Over $1MM | 10 | $28,290,000 | $2,829,000 |
YUBA CITY's loan sizing saw the bucket of loans from $200k-400k with 1,099 originations, totaling $346,805,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,332 | $561,300,000 | $421,396 |
| Under 20% | 549 | $30,775,000 | $56,056 |
| 60-80% | 526 | $187,490,000 | $356,445 |
| 20-40% | 286 | $50,020,000 | $174,895 |
| 40-60% | 225 | $64,295,000 | $285,756 |
| Over 100% | 102 | $47,130,000 | $462,059 |
YUBA CITY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,332 originations, totaling $561,300,000 in origination value.