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
6.74%
for the week of 2024-11-07, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2024-10-31) was
6.57% and
one month ago for the week of 2024-10-03, the
average rate was 5.87%.
Yuba City's average rate one year ago was 7.71%.
For refis of the same type during the week of 2024-11-07, the average rate
was 7.39%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-07 | 6.79% |
| Yuba City 30 Year Fixed Rate | 2024-11-07 | 6.74% |
| Yuba City 30 Year Fixed Rate Refi | 2024-11-07 | 7.39% |
| Yuba City 15 Year Fixed Rate | 2024-11-07 | 5.8% |
| Yuba City 15 Year Fixed Rate Refi | 2024-11-07 | 6.4% |
| Yuba City 30 Year FHA | 2024-11-07 | 5.82% |
| Yuba City 30 Year FHA Refi | 2024-11-07 | 6.63% |
| Yuba City 30 Year USDA | 2024-11-07 | 6.28% |
| Yuba City 30 Year USDA Refi | 2024-11-07 | 6.48% |
| Yuba City 30 Year VA | 2024-11-07 | 5.92% |
| Yuba City 30 Year VA Refi | 2024-11-07 | 6.44% |
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 110 lenders originated 2,526
loans during 2023. The total origination value was $777,970,000, with an average loan value of
$307,985.
YUBA CITY's average closing costs are $7,037.
The top YUBA CITY lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
191 loans originated. Their average total fees are
$8,504, which is $477
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee YUBA CITY lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION ($1,828), Tri Counties Bank ($3,055), SCHOOLSFIRST ($3,656), Wells Fargo Bank ($4,131) and U.S. Bank ($4,965).
The lowest rate YUBA CITY lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION (5.47%), EAGLE HOME MORTGAGE, LLC (5.49%), K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. (5.80%), KBHS HOME LOANS, LLC (6.15%) and GUARANTEED RATE, INC. (6.16%).
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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $227,645,000 | $144,205,000 | -36.7% | 18.5% |
| LOANDEPOT.COM, LLC | $76,945,000 | $45,025,000 | -41.5% | 5.8% |
| QUICKEN LOANS, LLC | $81,765,000 | $40,640,000 | -50.3% | 5.2% |
| GUILD MORTGAGE COMPANY | $21,285,000 | $34,085,000 | 60.1% | 4.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $30,180,000 | $33,560,000 | 11.2% | 4.3% |
| KBHS HOME LOANS, LLC | $3,255,000 | $30,380,000 | 833.3% | 3.9% |
| JPMorgan Chase Bank | $13,245,000 | $25,970,000 | 96.1% | 3.3% |
| EAGLE HOME MORTGAGE, LLC | $22,980,000 | $21,945,000 | -4.5% | 2.8% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | $17,950,000 | $18,655,000 | 3.9% | 2.4% |
| HOMEAMERICAN MORTGAGE CORPORATION | $26,950,000 | $16,700,000 | -38.0% | 2.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $31,685,000 | $13,765,000 | -56.6% | 1.8% |
| Mortgage Research Center, LLC | $22,430,000 | $13,745,000 | -38.7% | 1.8% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $10,125,000 | $13,570,000 | 34.0% | 1.7% |
| Sierra Pacific Mortgage Company, Inc. | $7,595,000 | $13,550,000 | 78.4% | 1.7% |
| Century Mortgage Company DBA Century Lending Company | $2,515,000 | $11,305,000 | 349.5% | 1.5% |
| Paramount Residential Mortgage Group, Inc. | $12,830,000 | $10,885,000 | -15.2% | 1.4% |
| SCHOOLSFIRST | $12,540,000 | $10,435,000 | -16.8% | 1.3% |
| U.S. Bank | $12,210,000 | $9,535,000 | -21.9% | 1.2% |
| SAFE CREDIT UNION | $3,680,000 | $9,185,000 | 149.6% | 1.2% |
| THE GOLDEN 1 | $8,740,000 | $8,800,000 | 0.7% | 1.1% |
| GUARANTEED RATE, INC. | $10,290,000 | $7,950,000 | -22.7% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $13,865,000 | $7,650,000 | -44.8% | 1.0% |
| PLANET HOME LENDING, LLC | $1,515,000 | $7,535,000 | 397.4% | 1.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $18,380,000 | $7,290,000 | -60.3% | 0.9% |
| CARDINAL FINANCIAL | $5,440,000 | $7,090,000 | 30.3% | 0.9% |
| Tri Counties Bank | $19,930,000 | $7,060,000 | -64.6% | 0.9% |
| Wells Fargo Bank | $19,175,000 | $6,770,000 | -64.7% | 0.9% |
| Flagstar Bank, FSB | $9,550,000 | $6,735,000 | -29.5% | 0.9% |
| BROKER SOLUTIONS, INC. | $8,130,000 | $6,300,000 | -22.5% | 0.8% |
| The Loan Store, Inc. | $6,285,000 | n/a | 0.8% | |
| Umpqua Bank | $17,950,000 | $5,610,000 | -68.7% | 0.7% |
| SUMMIT FUNDING, INC. | $12,695,000 | $5,510,000 | -56.6% | 0.7% |
| MOVEMENT MORTGAGE, LLC | $13,130,000 | $5,430,000 | -58.6% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $21,505,000 | $5,305,000 | -75.3% | 0.7% |
| CMG MORTGAGE, INC. | $3,355,000 | $4,270,000 | 27.3% | 0.5% |
| Commerce Home Mortgage, Inc. | $11,115,000 | $4,225,000 | -62.0% | 0.5% |
| Sierra Central Credit Union | $9,620,000 | $4,095,000 | -57.4% | 0.5% |
| NEWREZ LLC | $4,755,000 | $3,930,000 | -17.4% | 0.5% |
| NFM, INC. | $960,000 | $3,895,000 | 305.7% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $17,775,000 | $3,875,000 | -78.2% | 0.5% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $39,345,000 | $3,765,000 | -90.4% | 0.5% |
| AMERISAVE MORTGAGE CORPORATION | $14,060,000 | $3,720,000 | -73.5% | 0.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $6,995,000 | $3,345,000 | -52.2% | 0.4% |
| Bank of America | $9,100,000 | $3,080,000 | -66.2% | 0.4% |
| CORNERSTONE HOME LENDING, INC. | $21,335,000 | $3,040,000 | -85.8% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $7,215,000 | $2,975,000 | -58.8% | 0.4% |
| ALAMEDA MORTGAGE CORPORATION | $3,700,000 | $2,755,000 | -25.5% | 0.4% |
| Carrington Mortgage Services, LLC | $2,980,000 | $2,695,000 | -9.6% | 0.3% |
| 5TH STREET CAPITAL, INC. | $1,755,000 | $2,505,000 | 42.7% | 0.3% |
| CANOPY MORTGAGE, LLC | $2,725,000 | $2,330,000 | -14.5% | 0.3% |
| DHI MORTGAGE COMPANY, LTD. | $26,440,000 | $2,300,000 | -91.3% | 0.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $2,940,000 | $2,285,000 | -22.3% | 0.3% |
| ACADEMY MORTGAGE CORPORATION | $24,860,000 | $2,270,000 | -90.9% | 0.3% |
| S1L, Inc. | $7,045,000 | $2,035,000 | -71.1% | 0.3% |
| Discover Bank | $975,000 | $1,980,000 | 103.1% | 0.3% |
| DEEPHAVEN MORTGAGE LLC | $560,000 | $1,855,000 | 231.3% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $525,000 | $1,745,000 | 232.4% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $5,425,000 | $1,575,000 | -71.0% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $2,820,000 | $1,530,000 | -45.7% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $5,410,000 | $1,455,000 | -73.1% | 0.2% |
| University Bank | $1,450,000 | n/a | 0.2% | |
| LOANPAL, LLC | $5,650,000 | $1,440,000 | -74.5% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $800,000 | $1,430,000 | 78.8% | 0.2% |
| SNAPFI, INC. | $1,395,000 | n/a | 0.2% | |
| Plains Commerce Bank | $405,000 | $1,340,000 | 230.9% | 0.2% |
| AMWEST FUNDING CORP. | $2,645,000 | $1,320,000 | -50.1% | 0.2% |
| Equity Prime Mortgage LLC | $2,730,000 | $1,320,000 | -51.6% | 0.2% |
| Firefighters First Federal Credit Union | $610,000 | $1,320,000 | 116.4% | 0.2% |
| MOUNTAIN WEST FINANCIAL, INC. | $2,910,000 | $1,280,000 | -56.0% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,135,000 | $1,270,000 | 11.9% | 0.2% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $1,270,000 | n/a | 0.2% | |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $1,145,000 | $1,250,000 | 9.2% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $3,020,000 | $1,215,000 | -59.8% | 0.2% |
| NATIONS DIRECT MORTGAGE, LLC | $1,815,000 | $1,195,000 | -34.2% | 0.2% |
| ZILLOW HOME LOANS, LLC | $1,885,000 | $1,185,000 | -37.1% | 0.2% |
| BETTER MORTGAGE CORPORATION | $3,565,000 | $1,105,000 | -69.0% | 0.1% |
| BMO Harris Bank | $1,085,000 | n/a | 0.1% | |
| INTERNATIONAL CITY MORTGAGE, INC. | $1,065,000 | n/a | 0.1% | |
| USAA Federal Savings Bank | $3,800,000 | $1,025,000 | -73.0% | 0.1% |
| AXIA FINANCIAL, LLC | $485,000 | $1,020,000 | 110.3% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $980,000 | $1,000,000 | 2.0% | 0.1% |
| First Northern Bank of Dixon | $850,000 | $990,000 | 16.5% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $890,000 | $990,000 | 11.2% | 0.1% |
| Figure Lending LLC | $2,045,000 | $975,000 | -52.3% | 0.1% |
| Florida Capital Bank | $335,000 | $975,000 | 191.0% | 0.1% |
| NEW DAY FINANCIAL, LLC | $1,345,000 | $965,000 | -28.3% | 0.1% |
| Zions Bank | $2,685,000 | $950,000 | -64.6% | 0.1% |
| JMAC LENDING, INC. | $405,000 | $945,000 | 133.3% | 0.1% |
| OCMBC, INC. | $1,940,000 | $935,000 | -51.8% | 0.1% |
| VERITAS FUNDING, LLC | $690,000 | $925,000 | 34.1% | 0.1% |
| Citizens Bank | $1,265,000 | $870,000 | -31.2% | 0.1% |
| OAKTREE FUNDING CORP. | $815,000 | n/a | 0.1% | |
| TJC Mortgage, Inc. | $2,245,000 | $800,000 | -64.4% | 0.1% |
| Banner Bank | $1,210,000 | $785,000 | -35.1% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $7,005,000 | $755,000 | -89.2% | 0.1% |
| 21ST MORTGAGE CORPORATION | $1,185,000 | $745,000 | -37.1% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,930,000 | $745,000 | -61.4% | 0.1% |
| STAR ONE CREDIT UNION | $1,795,000 | $740,000 | -58.8% | 0.1% |
| SCENIC OAKS FUNDING, INC. | $910,000 | $730,000 | -19.8% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $690,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $1,425,000 | $680,000 | -52.3% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,115,000 | $670,000 | -39.9% | 0.1% |
| PACIFIC SERVICE | $625,000 | $660,000 | 5.6% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $1,055,000 | $635,000 | -39.8% | 0.1% |
| Hometown Equity Mortgage, LLC | $775,000 | $585,000 | -24.5% | 0.1% |
| Northwest Farm Credit Services, FLCA | $1,000,000 | $550,000 | -45.0% | 0.1% |
| PATELCO | $1,365,000 | $535,000 | -60.8% | 0.1% |
| PNC Bank | $4,105,000 | $535,000 | -87.0% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $985,000 | $510,000 | -48.2% | 0.1% |
| LANTZMAN MANAGEMENT, INC. | $265,000 | $505,000 | 90.6% | 0.1% |
| Truist | $1,260,000 | $505,000 | -59.9% | 0.1% |
| EVERETT FINANCIAL, INC. | $4,120,000 | $495,000 | -88.0% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $205,000 | $495,000 | 141.5% | 0.1% |
| MLD MORTGAGE INC. | $485,000 | n/a | 0.1% | |
| ALLIANT CREDIT UNION | $765,000 | $480,000 | -37.3% | 0.1% |
| First-Citizens Bank & Trust Company | $445,000 | $475,000 | 6.7% | 0.1% |
| Citadel Servicing Corporation | $1,675,000 | $465,000 | -72.2% | 0.1% |
| Citibank | $255,000 | $460,000 | 80.4% | 0.1% |
| Merchants Mortgage & Trust Corporation | $450,000 | n/a | 0.1% | |
| V.I.P. MORTGAGE, INC. | $1,375,000 | $445,000 | -67.6% | 0.1% |
| Logan Finance Corporation | $435,000 | n/a | 0.1% | |
| ALLIED MORTGAGE GROUP, INC. | $430,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $1,650,000 | $430,000 | -73.9% | 0.1% |
| UNCLE Credit Union | $425,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $420,000 | n/a | 0.1% | |
| ARC HOME LLC | $630,000 | $415,000 | -34.1% | 0.1% |
| Constant Investments, Inc. | $415,000 | n/a | 0.1% | |
| First Bank | $895,000 | $405,000 | -54.7% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $720,000 | $405,000 | -43.8% | 0.1% |
| Arvest Bank | $395,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $295,000 | $395,000 | 33.9% | 0.1% |
| TRAVIS CREDIT UNION | $1,185,000 | $385,000 | -67.5% | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $675,000 | $380,000 | -43.7% | 0.0% |
| KINECTA | $375,000 | n/a | 0.0% | |
| FIRST U.S. COMMUNITY CREDIT UNION | $685,000 | $365,000 | -46.7% | 0.0% |
| MK LENDING CORP. | $365,000 | $365,000 | 0.0% | 0.0% |
| NP, Inc. | $365,000 | n/a | 0.0% | |
| BEST FINANCE CAPITAL, INC. | $355,000 | n/a | 0.0% | |
| ONY GLO, INC. | $355,000 | n/a | 0.0% | |
| TOWER | $355,000 | n/a | 0.0% | |
| AMCAP MORTGAGE, LTD. | $660,000 | $350,000 | -47.0% | 0.0% |
| PHH Mortgage Corporation | $2,750,000 | $350,000 | -87.3% | 0.0% |
| COMMUNITY MORTGAGE FUNDING, LLC | $25,000 | $340,000 | 1,260.0% | 0.0% |
| A&D Mortgage LLC | $335,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $625,000 | $335,000 | -46.4% | 0.0% |
| Morgan Stanley Private Bank | $305,000 | $335,000 | 9.8% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $335,000 | $325,000 | -3.0% | 0.0% |
| Franklin Loan Corporation | $960,000 | $325,000 | -66.1% | 0.0% |
| NBKC BANK | $755,000 | $325,000 | -57.0% | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | $315,000 | n/a | 0.0% | |
| iCore Lending, Inc. | $305,000 | n/a | 0.0% | |
| Self-Help Federal Credit Union | $1,055,000 | $305,000 | -71.1% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $700,000 | $295,000 | -57.9% | 0.0% |
| M&T Bank | $1,130,000 | $285,000 | -74.8% | 0.0% |
| The Federal Savings Bank | $2,910,000 | $275,000 | -90.5% | 0.0% |
| AmeriHome Mortgage Company, LLC | $755,000 | $265,000 | -64.9% | 0.0% |
| NEXERA HOLDING LLC | $875,000 | $265,000 | -69.7% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $560,000 | $265,000 | -52.7% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $2,480,000 | $255,000 | -89.7% | 0.0% |
| RESIDENTIAL BANCORP | $1,865,000 | $250,000 | -86.6% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $605,000 | $245,000 | -59.5% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $245,000 | n/a | 0.0% | |
| Coastal Community Bank | $240,000 | n/a | 0.0% | |
| Provident Credit Union | $230,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $225,000 | n/a | 0.0% | |
| Operating Engineers Local Union #3 | $2,485,000 | $225,000 | -90.9% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $2,070,000 | $215,000 | -89.6% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $345,000 | $215,000 | -37.7% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $95,000 | $190,000 | 100.0% | 0.0% |
| SPRING EQ, LLC | $3,125,000 | $190,000 | -93.9% | 0.0% |
| San Joaquin Power Employees Credit Union | $195,000 | $185,000 | -5.1% | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | $185,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $565,000 | $180,000 | -68.1% | 0.0% |
| FIRST TECHNOLOGY | $1,210,000 | $170,000 | -86.0% | 0.0% |
| Greenbox Loans, Inc. | $255,000 | $155,000 | -39.2% | 0.0% |
| REDWOOD | $1,290,000 | $155,000 | -88.0% | 0.0% |
| San Mateo Credit Union | $345,000 | $155,000 | -55.1% | 0.0% |
| California Coast Credit Union | $125,000 | $135,000 | 8.0% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $705,000 | $135,000 | -80.9% | 0.0% |
| Valley First Credit Union | $135,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $2,460,000 | $130,000 | -94.7% | 0.0% |
| Fremont Bank | $2,175,000 | $125,000 | -94.3% | 0.0% |
| GTE Federal Credit Union | $145,000 | $125,000 | -13.8% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $365,000 | $120,000 | -67.1% | 0.0% |
| HERITAGE COMMUNITY CREDIT UNION | $115,000 | n/a | 0.0% | |
| MORTGAGE EQUITY PARTNERS LLC | $115,000 | n/a | 0.0% | |
| Alaska USA Federal Credit Union | $105,000 | n/a | 0.0% | |
| Sunflower Bank | $730,000 | $105,000 | -85.6% | 0.0% |
| Bethpage Federal Credit Union | $85,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $75,000 | n/a | 0.0% | |
| UNIVERSITY CREDIT UNION | $75,000 | n/a | 0.0% | |
| Kaiperm Diablo Federal Credit Union | $65,000 | n/a | 0.0% | |
| THE POLICE Credit Union | $795,000 | $65,000 | -91.8% | 0.0% |
| SACRAMENTO Credit Union | $100,000 | $55,000 | -45.0% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $980,000 | $35,000 | -96.4% | 0.0% |
| TECHNOLOGY | $35,000 | n/a | 0.0% | |
| V.I.P. TRUST DEED COMPANY | $35,000 | n/a | 0.0% | |
| CHEVRON | $25,000 | n/a | 0.0% | |
| Mechanics Bank | $1,320,000 | $25,000 | -98.1% | 0.0% |
| First Bank | $895,000 | $5,000 | -99.4% | 0.0% |
YUBA CITY's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 18.5% market share. In second place, with 5.8%, is LOANDEPOT.COM, LLC, having originated $45,025,000 in loans. In third place, with 5.2%, is QUICKEN LOANS, LLC, having originated $40,640,000 in loans. In fourth place, with 4.4%, is GUILD MORTGAGE COMPANY, having originated $34,085,000 in loans. In fifth place, with 4.3%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $33,560,000 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 | $318,000 (9.1%) | $371,630 (10.1%) | 1.12 | 307 |
| 2018-04-01 | $332,500 (11.6%) | $383,980 (9.4%) | 1.13 | 325 |
| 2018-05-01 | $329,450 (11.1%) | $384,696 (7.4%) | 1.10 | 364 |
| 2018-06-01 | $328,850 (9.6%) | $382,254 (6.5%) | 1.10 | 390 |
| 2018-07-01 | $320,963 (7.0%) | $367,120 (2.3%) | 1.07 | 443 |
| 2018-08-01 | $317,475 (6.2%) | $359,482 (1.0%) | 1.06 | 490 |
| 2018-09-01 | $319,900 (7.0%) | $356,294 (2.0%) | 1.08 | 498 |
| 2018-10-01 | $312,500 (5.9%) | $354,209 (2.7%) | 1.06 | 499 |
| 2018-11-01 | $306,450 (3.9%) | $346,966 (0.0%) | 1.04 | 462 |
| 2018-12-01 | $300,000 (1.7%) | $333,814 (-5.0%) | 1.03 | 377 |
| 2019-01-01 | $299,900 (0.0%) | $338,154 (-5.5%) | 1.04 | 315 |
| 2019-02-01 | $312,450 (2.4%) | $360,747 (0.0%) | 1.06 | 316 |
| 2019-03-01 | $322,740 (1.5%) | $374,282 (0.7%) | 1.06 | 305 |
| 2019-04-01 | $328,218 (-1.3%) | $376,842 (-1.9%) | 1.04 | 316 |
| 2019-05-01 | $327,175 (-0.7%) | $386,288 (0.4%) | 1.02 | 362 |
| 2019-06-01 | $333,700 (1.5%) | $379,663 (-0.7%) | 1.04 | 386 |
| 2019-07-01 | $335,000 (4.4%) | $382,724 (4.3%) | 1.05 | 419 |
| 2019-08-01 | $330,545 (4.1%) | $371,312 (3.3%) | 1.05 | 423 |
| 2019-09-01 | $329,113 (2.9%) | $366,782 (2.9%) | 1.05 | 420 |
| 2019-10-01 | $331,634 (6.1%) | $366,883 (3.6%) | 1.07 | 397 |
| 2019-11-01 | $339,000 (10.6%) | $379,836 (9.5%) | 1.11 | 384 |
| 2019-12-01 | $329,950 (10.0%) | $393,866 (18.0%) | 1.10 | 316 |
| 2020-01-01 | $333,250 (11.1%) | $381,398 (12.8%) | 1.11 | 284 |
| 2020-02-01 | $349,999 (12.0%) | $395,475 (9.6%) | 1.15 | 287 |
| 2020-03-01 | $359,975 (11.5%) | $416,798 (11.4%) | 1.13 | 300 |
| 2020-04-01 | $360,000 (9.7%) | $418,794 (11.1%) | 1.13 | 299 |
| 2020-05-01 | $389,475 (19.0%) | $445,558 (15.3%) | 1.18 | 250 |
| 2020-06-01 | $386,900 (15.9%) | $439,568 (15.8%) | 1.14 | 219 |
| 2020-07-01 | $386,475 (15.4%) | $445,305 (16.4%) | 1.12 | 200 |
| 2020-08-01 | $375,000 (13.5%) | $441,066 (18.8%) | 1.07 | 190 |
| 2020-09-01 | $392,500 (19.3%) | $453,492 (23.6%) | 1.12 | 170 |
| 2020-10-01 | $385,000 (16.1%) | $457,886 (24.8%) | 1.10 | 189 |
| 2020-11-01 | $402,500 (18.7%) | $455,454 (19.9%) | 1.18 | 157 |
| 2020-12-01 | $404,425 (22.6%) | $449,627 (14.2%) | 1.20 | 135 |
| 2021-01-01 | $399,900 (20.0%) | $483,744 (26.8%) | 1.19 | 99 |
| 2021-02-01 | $402,475 (15.0%) | $502,939 (27.2%) | 1.17 | 115 |
| 2021-03-01 | $408,500 (13.5%) | $503,411 (20.8%) | 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 (9.4%) | $533,278 (17.1%) | 1.18 | 223 |
| 2021-12-01 | $443,000 (9.5%) | $514,124 (14.3%) | 1.20 | 166 |
| 2022-01-01 | $452,500 (13.2%) | $524,805 (8.5%) | 1.22 | 148 |
| 2022-02-01 | $474,950 (18.0%) | $532,033 (5.8%) | 1.24 | 150 |
| 2022-03-01 | $477,000 (16.8%) | $537,959 (6.9%) | 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 | $484,172 (3.0%) | $514,425 (-4.6%) | 1.09 | 298 |
| 2024-06-01 | $480,000 (0.1%) | $523,630 (-5.3%) | 1.08 | 340 |
| 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 |
YUBA CITY's median listing price for 2024-10-01 was $480,975, a difference of
$21,100
(4.6%) versus the prior year and
$-3,975 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 2024-10-01 was $514,031, a difference of $6,478 (1.3%) versus the prior year and $-9,311 versus the prior month.
For the 2024-10-01 period, YUBA CITY had 386 MLS listings, a difference of 31 listings (9%) versus the prior month and 131 listings (51%) 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 2024-10-01 was $514,031, a difference of $6,478 (1.3%) versus the prior year and $-9,311 versus the prior month.
For the 2024-10-01 period, YUBA CITY had 386 MLS listings, a difference of 31 listings (9%) versus the prior month and 131 listings (51%) 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 | 1,876 sqft |
| 2018-04-01 | 43 days | 1,885 sqft |
| 2018-05-01 | 38 days | 1,888 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 | 52 days | 1,827 sqft |
| 2018-10-01 | 55 days | 1,784 sqft |
| 2018-11-01 | 57 days | 1,718 sqft |
| 2018-12-01 | 66 days | 1,712 sqft |
| 2019-01-01 | 61 days | 1,638 sqft |
| 2019-02-01 | 52 days | 1,676 sqft |
| 2019-03-01 | 47 days | 1,681 sqft |
| 2019-04-01 | 43 days | 1,688 sqft |
| 2019-05-01 | 38 days | 1,681 sqft |
| 2019-06-01 | 44 days | 1,728 sqft |
| 2019-07-01 | 46 days | 1,734 sqft |
| 2019-08-01 | 50 days | 1,743 sqft |
| 2019-09-01 | 55 days | 1,759 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 | 1,862 sqft |
| 2020-12-01 | 63 days | 1,840 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 | 1,840 sqft |
| 2024-06-01 | 39 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 |
YUBA CITY's median listing age (time on market) for 2024-10-01 was 47 days.
This
is 1%
longer
than the same period one year ago.
YUBA CITY's median square footage for active listings during the 2024-10-01 period was 1,865 sqft. One year prior, the average listing was 1,878 sqft.
YUBA CITY's median square footage for active listings during the 2024-10-01 period was 1,865 sqft. One year prior, the average listing was 1,878 sqft.
YUBA CITY, CA Average Rent (2023)
Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.
| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 95626 | Yuba City, CA MSA | $1,450 | $1,590 | $2,000 | $2,840 | $3,310 |
| 95645 | Yuba City, CA MSA | $1,100 | $1,160 | $1,520 | $2,120 | $2,560 |
| 95659 | Yuba City, CA MSA | $1,050 | $1,060 | $1,350 | $1,920 | $2,300 |
| 95668 | Yuba City, CA MSA | $1,440 | $1,470 | $1,870 | $2,660 | $3,170 |
| 95674 | Yuba City, CA MSA | $970 | $980 | $1,250 | $1,780 | $2,130 |
| 95676 | Yuba City, CA MSA | $1,020 | $1,030 | $1,310 | $1,860 | $2,230 |
| 95692 | Yuba City, CA MSA | $1,320 | $1,330 | $1,690 | $2,400 | $2,880 |
| 95836 | Yuba City, CA MSA | $1,140 | $1,200 | $1,520 | $2,150 | $2,540 |
| 95837 | Yuba City, CA MSA | $1,250 | $1,310 | $1,670 | $2,360 | $2,800 |
| 95901 | Yuba City, CA MSA | $1,000 | $1,000 | $1,280 | $1,820 | $2,180 |
| 95903 | Yuba City, CA MSA | $1,500 | $1,510 | $1,930 | $2,740 | $3,290 |
| 95914 | Yuba City, CA MSA | $850 | $880 | $1,130 | $1,610 | $1,930 |
| 95918 | Yuba City, CA MSA | $1,110 | $1,120 | $1,430 | $2,030 | $2,440 |
| 95919 | Yuba City, CA MSA | $980 | $990 | $1,260 | $1,790 | $2,150 |
| 95922 | Yuba City, CA MSA | $880 | $890 | $1,130 | $1,610 | $1,920 |
| 95925 | Yuba City, CA MSA | $980 | $990 | $1,260 | $1,790 | $2,150 |
| 95930 | Yuba City, CA MSA | $890 | $940 | $1,240 | $1,760 | $2,110 |
| 95935 | Yuba City, CA MSA | $980 | $990 | $1,260 | $1,790 | $2,150 |
| 95941 | Yuba City, CA MSA | $900 | $940 | $1,240 | $1,760 | $2,110 |
| 95948 | Yuba City, CA MSA | $830 | $840 | $1,090 | $1,550 | $1,860 |
| 95953 | Yuba City, CA MSA | $1,000 | $1,000 | $1,280 | $1,820 | $2,180 |
| 95957 | Yuba City, CA MSA | $830 | $840 | $1,070 | $1,520 | $1,820 |
| 95960 | Yuba City, CA MSA | $1,130 | $1,140 | $1,440 | $2,040 | $2,450 |
| 95961 | Yuba City, CA MSA | $970 | $980 | $1,250 | $1,780 | $2,130 |
| 95962 | Yuba City, CA MSA | $980 | $990 | $1,260 | $1,790 | $2,150 |
| 95966 | Yuba City, CA MSA | $840 | $890 | $1,170 | $1,660 | $1,990 |
| 95972 | Yuba City, CA MSA | $980 | $990 | $1,260 | $1,790 | $2,150 |
| 95977 | Yuba City, CA MSA | $1,320 | $1,330 | $1,700 | $2,420 | $2,900 |
| 95981 | Yuba City, CA MSA | $880 | $890 | $1,130 | $1,610 | $1,920 |
| 95982 | Yuba City, CA MSA | $1,110 | $1,110 | $1,420 | $2,020 | $2,420 |
| 95991 | Yuba City, CA MSA | $990 | $1,000 | $1,270 | $1,800 | $2,160 |
| 95992 | Yuba City, CA MSA | $1,020 | $1,030 | $1,310 | $1,860 | $2,230 |
| 95993 | Yuba City, CA MSA | $1,150 | $1,150 | $1,470 | $2,090 | $2,500 |
2022 Average & Median Rent Data Statistics
YUBA CITY, CA average 1BR rent: $1,078, median: $1,000
YUBA CITY, CA average 2BR rent: $1,378, median: $1,280
YUBA CITY, CA average 3BR rent: $1,956, median: $1,820
YUBA CITY, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,671 | $613,565,000 | $367,184 |
| Cash Out Refi | 326 | $94,250,000 | $289,110 |
| Home Improvement | 190 | $15,310,000 | $80,579 |
| Other | 184 | $19,780,000 | $107,500 |
| Refi | 154 | $34,560,000 | $224,416 |
| NA | 1 | $505,000 | $505,000 |
Yuba City's most frequently cited loan purpose was Home Purchase, with 1,671 originations. The 2nd most popular reason was Cash Out Refi, with 326 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 919 | $347,495,000 | $378,123 |
| 5-6% | 530 | $198,570,000 | $374,660 |
| 7-8% | 477 | $134,955,000 | $282,925 |
| Over 8% | 419 | $55,065,000 | $131,420 |
| 4-5% | 84 | $33,890,000 | $403,452 |
| <2.5% | 80 | $2,390,000 | $29,875 |
| 3-4% | 7 | $1,875,000 | $267,857 |
| 2.5-3% | 5 | $2,125,000 | $425,000 |
During 2023, Yuba City's most frequently originated rate bucket was 6-7%, with 919 originations.
Loan Sizing (YUBA CITY, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 950 | $302,770,000 | $318,705 |
| $400k-600k | 716 | $331,520,000 | $463,017 |
| $100,000 or less | 482 | $25,070,000 | $52,012 |
| $100k-200k | 313 | $44,405,000 | $141,869 |
| $600k-1000k | 53 | $36,145,000 | $681,981 |
| $Over $1MM | 12 | $38,060,000 | $3,171,667 |
YUBA CITY's loan sizing saw the bucket of loans from $200k-400k with 950 originations, totaling $302,770,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,196 | $477,370,000 | $399,139 |
| Under 20% | 448 | $24,170,000 | $53,951 |
| 60-80% | 391 | $145,685,000 | $372,596 |
| 20-40% | 241 | $33,095,000 | $137,324 |
| 40-60% | 171 | $64,655,000 | $378,099 |
| Over 100% | 65 | $29,075,000 | $447,308 |
YUBA CITY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,196 originations, totaling $477,370,000 in origination value.