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
6.3%
for the week of 2023-05-25, compared to the national average of
6.57% for the same period.
The average rate for the prior week (2023-05-18) was
6.22% and
one month ago for the week of 2023-04-20, the
average rate was 6.02%.
Yuba City's average rate one year ago was 4.88%.
For refis of the same type during the week of 2023-05-25, the average rate
was 5.33%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-05-25 | 6.57% |
| Yuba City 30 Year Fixed Rate | 2023-05-25 | 6.3% |
| Yuba City 30 Year Fixed Rate Refi | 2023-05-25 | 5.33% |
| Yuba City 15 Year Fixed Rate | 2023-05-25 | 5.87% |
| Yuba City 15 Year Fixed Rate Refi | 2023-05-25 | 4.95% |
| Yuba City 30 Year FHA | 2023-05-25 | 5.99% |
| Yuba City 30 Year FHA Refi | 2023-05-25 | 6.41% |
| Yuba City 30 Year USDA | 2023-05-25 | 6.63% |
| Yuba City 30 Year USDA Refi | 2023-05-25 | 6.43% |
| Yuba City 30 Year VA | 2023-05-25 | 5.78% |
| Yuba City 30 Year VA Refi | 2023-05-25 | 6.51% |
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 182 lenders originated 4,734
loans during 2022. The total origination value was $1,513,910,000, with an average loan value of
$319,795.
YUBA CITY's average closing costs are $6,781.
The top YUBA CITY lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
343 loans originated. Their average total fees are
$6,684, which is $893
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee YUBA CITY lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION ($1,289), BETTER MORTGAGE CORPORATION ($2,667), Sierra Central Credit Union ($3,147), SAFE CREDIT UNION ($3,826) and SCHOOLSFIRST ($3,903).
The lowest rate YUBA CITY lenders (with over 10 loans originated) are
BETTER MORTGAGE CORPORATION (3.33%), PENNYMAC LOAN SERVICES, LLC (3.83%), SCHOOLSFIRST (3.85%), Umpqua Bank (4.06%) and EAGLE HOME MORTGAGE, LLC (4.13%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $303,920,000 | $227,645,000 | -25.1% | 15.0% |
| QUICKEN LOANS, LLC | $201,130,000 | $81,765,000 | -59.3% | 5.4% |
| LOANDEPOT.COM, LLC | $81,665,000 | $76,945,000 | -5.8% | 5.1% |
| Hometown Lenders, Inc. | $170,000,000 | $62,815,000 | -63.1% | 4.1% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $69,225,000 | $44,825,000 | -35.2% | 3.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $54,160,000 | $39,345,000 | -27.4% | 2.6% |
| FINANCE OF AMERICA MORTGAGE LLC | $104,865,000 | $39,005,000 | -62.8% | 2.6% |
| HOME POINT FINANCIAL CORPORATION | $68,395,000 | $32,775,000 | -52.1% | 2.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $51,135,000 | $31,685,000 | -38.0% | 2.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $52,585,000 | $30,180,000 | -42.6% | 2.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | $12,995,000 | $26,950,000 | 107.4% | 1.8% |
| DHI MORTGAGE COMPANY, LTD. | $4,900,000 | $26,440,000 | 439.6% | 1.7% |
| ACADEMY MORTGAGE CORPORATION | $26,500,000 | $24,860,000 | -6.2% | 1.6% |
| KeyBank | $23,810,000 | n/a | 1.6% | |
| EAGLE HOME MORTGAGE, LLC | $27,425,000 | $22,980,000 | -16.2% | 1.5% |
| Mortgage Research Center, LLC | $27,790,000 | $22,430,000 | -19.3% | 1.5% |
| FREEDOM MORTGAGE CORPORATION | $159,600,000 | $21,505,000 | -86.5% | 1.4% |
| CORNERSTONE HOME LENDING, INC. | $48,980,000 | $21,335,000 | -56.4% | 1.4% |
| GUILD MORTGAGE COMPANY | $40,965,000 | $21,285,000 | -48.0% | 1.4% |
| Tri Counties Bank | $24,105,000 | $19,930,000 | -17.3% | 1.3% |
| Wells Fargo Bank | $43,585,000 | $19,175,000 | -56.0% | 1.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $17,330,000 | $18,380,000 | 6.1% | 1.2% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | $16,070,000 | $17,950,000 | 11.7% | 1.2% |
| Umpqua Bank | $31,060,000 | $17,950,000 | -42.2% | 1.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $42,920,000 | $17,775,000 | -58.6% | 1.2% |
| AMERISAVE MORTGAGE CORPORATION | $24,380,000 | $14,060,000 | -42.3% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $39,630,000 | $13,865,000 | -65.0% | 0.9% |
| Capital One | $13,540,000 | n/a | 0.9% | |
| JPMorgan Chase Bank | $39,520,000 | $13,245,000 | -66.5% | 0.9% |
| MOVEMENT MORTGAGE, LLC | $31,235,000 | $13,130,000 | -58.0% | 0.9% |
| Paramount Residential Mortgage Group, Inc. | $15,290,000 | $12,830,000 | -16.1% | 0.8% |
| SUMMIT FUNDING, INC. | $22,750,000 | $12,695,000 | -44.2% | 0.8% |
| SCHOOLSFIRST | $14,840,000 | $12,540,000 | -15.5% | 0.8% |
| CALIBER HOME LOANS, INC. | $40,660,000 | $12,215,000 | -70.0% | 0.8% |
| U.S. Bank | $21,990,000 | $12,210,000 | -44.5% | 0.8% |
| Commerce Home Mortgage, Inc. | $15,625,000 | $11,115,000 | -28.9% | 0.7% |
| Grandbridge Real Estate Capital LLC | $11,025,000 | n/a | 0.7% | |
| GUARANTEED RATE, INC. | $17,925,000 | $10,290,000 | -42.6% | 0.7% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $21,315,000 | $10,125,000 | -52.5% | 0.7% |
| Sierra Central Credit Union | $19,250,000 | $9,620,000 | -50.0% | 0.6% |
| Flagstar Bank, FSB | $14,195,000 | $9,550,000 | -32.7% | 0.6% |
| Bank of America | $9,885,000 | $9,100,000 | -7.9% | 0.6% |
| THE GOLDEN 1 | $15,440,000 | $8,740,000 | -43.4% | 0.6% |
| BROKER SOLUTIONS, INC. | $12,045,000 | $8,130,000 | -32.5% | 0.5% |
| Sierra Pacific Mortgage Company, Inc. | $14,390,000 | $7,595,000 | -47.2% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $5,080,000 | $7,215,000 | 42.0% | 0.5% |
| S1L, Inc. | $12,420,000 | $7,045,000 | -43.3% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $17,865,000 | $7,005,000 | -60.8% | 0.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $11,725,000 | $6,995,000 | -40.3% | 0.5% |
| LOANPAL, LLC | $24,105,000 | $5,650,000 | -76.6% | 0.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $6,995,000 | $5,440,000 | -22.2% | 0.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $15,195,000 | $5,425,000 | -64.3% | 0.4% |
| PLAZA HOME MORTGAGE, INC. | $2,280,000 | $5,410,000 | 137.3% | 0.4% |
| NEWREZ LLC | $23,850,000 | $4,755,000 | -80.1% | 0.3% |
| FBC MORTGAGE, LLC | $4,945,000 | $4,585,000 | -7.3% | 0.3% |
| EVERETT FINANCIAL, INC. | $2,040,000 | $4,120,000 | 102.0% | 0.3% |
| PNC Bank | $7,295,000 | $4,105,000 | -43.7% | 0.3% |
| USAA Federal Savings Bank | $6,655,000 | $3,800,000 | -42.9% | 0.3% |
| ALAMEDA MORTGAGE CORPORATION | $3,745,000 | $3,700,000 | -1.2% | 0.2% |
| SAFE CREDIT UNION | $12,660,000 | $3,680,000 | -70.9% | 0.2% |
| BETTER MORTGAGE CORPORATION | $13,265,000 | $3,565,000 | -73.1% | 0.2% |
| Bank of the West | $4,885,000 | $3,440,000 | -29.6% | 0.2% |
| CMG MORTGAGE, INC. | $7,430,000 | $3,355,000 | -54.8% | 0.2% |
| KBHS HOME LOANS, LLC | $3,255,000 | n/a | 0.2% | |
| SPRING EQ, LLC | $605,000 | $3,125,000 | 416.5% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,185,000 | $3,020,000 | 38.2% | 0.2% |
| First Republic Bank | $3,005,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $8,525,000 | $2,980,000 | -65.0% | 0.2% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $1,965,000 | $2,940,000 | 49.6% | 0.2% |
| MOUNTAIN WEST FINANCIAL, INC. | $9,520,000 | $2,910,000 | -69.4% | 0.2% |
| The Federal Savings Bank | $7,560,000 | $2,910,000 | -61.5% | 0.2% |
| DATA MORTGAGE, INC. | $6,600,000 | $2,860,000 | -56.7% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $2,780,000 | $2,820,000 | 1.4% | 0.2% |
| PHH Mortgage Corporation | $4,500,000 | $2,750,000 | -38.9% | 0.2% |
| Equity Prime Mortgage LLC | $4,125,000 | $2,730,000 | -33.8% | 0.2% |
| CANOPY MORTGAGE, LLC | $2,325,000 | $2,725,000 | 17.2% | 0.2% |
| Zions Bancorporation, N.A. | $2,685,000 | n/a | 0.2% | |
| AMWEST FUNDING CORP. | $3,585,000 | $2,645,000 | -26.2% | 0.2% |
| Golden Empire Mortgage, Inc. | $5,045,000 | $2,640,000 | -47.7% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $265,000 | $2,515,000 | 849.1% | 0.2% |
| Operating Engineers Local Union #3 | $890,000 | $2,485,000 | 179.2% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $1,695,000 | $2,480,000 | 46.3% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $2,750,000 | $2,460,000 | -10.5% | 0.2% |
| AMERICAN ADVISORS GROUP | $2,520,000 | $2,375,000 | -5.8% | 0.2% |
| Amerifirst Financial, Inc. | $4,410,000 | $2,290,000 | -48.1% | 0.2% |
| TJC Mortgage, Inc. | $1,050,000 | $2,245,000 | 113.8% | 0.1% |
| Fremont Bank | $6,480,000 | $2,175,000 | -66.4% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $2,345,000 | $2,070,000 | -11.7% | 0.1% |
| Citizens Business Bank | $2,045,000 | n/a | 0.1% | |
| Figure Lending LLC | $830,000 | $2,045,000 | 146.4% | 0.1% |
| Lakeview Community Capital, LLC | $2,610,000 | $2,020,000 | -22.6% | 0.1% |
| OCMBC, INC. | $1,100,000 | $1,940,000 | 76.4% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $9,375,000 | $1,930,000 | -79.4% | 0.1% |
| ZILLOW HOME LOANS, LLC | $4,045,000 | $1,885,000 | -53.4% | 0.1% |
| RESIDENTIAL BANCORP. | $2,070,000 | $1,865,000 | -9.9% | 0.1% |
| MUFG Union Bank | $4,615,000 | $1,850,000 | -59.9% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $1,445,000 | $1,815,000 | 25.6% | 0.1% |
| STAR ONE CREDIT UNION | $780,000 | $1,795,000 | 130.1% | 0.1% |
| REVERSE MORTGAGE FUNDING LLC | $1,610,000 | $1,770,000 | 9.9% | 0.1% |
| 5TH STREET CAPITAL, INC. | $475,000 | $1,755,000 | 269.5% | 0.1% |
| BAY EQUITY LLC | $1,540,000 | $1,700,000 | 10.4% | 0.1% |
| Citadel Servicing Corporation | $1,675,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $2,470,000 | $1,650,000 | -33.2% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $4,530,000 | $1,605,000 | -64.6% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $1,525,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $5,295,000 | $1,515,000 | -71.4% | 0.1% |
| PREMIER LENDING, INC. | $455,000 | $1,435,000 | 215.4% | 0.1% |
| AMERICAN FINANCING CORPORATION | $1,920,000 | $1,425,000 | -25.8% | 0.1% |
| V.I.P. MORTGAGE, INC. | $1,375,000 | n/a | 0.1% | |
| PATELCO | $3,015,000 | $1,365,000 | -54.7% | 0.1% |
| NEW DAY FINANCIAL, LLC | $4,455,000 | $1,345,000 | -69.8% | 0.1% |
| Mechanics Bank | $13,895,000 | $1,320,000 | -90.5% | 0.1% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $435,000 | $1,290,000 | 196.6% | 0.1% |
| REDWOOD | $605,000 | $1,290,000 | 113.2% | 0.1% |
| Citizens Bank | $1,360,000 | $1,265,000 | -7.0% | 0.1% |
| Truist | $2,740,000 | $1,260,000 | -54.0% | 0.1% |
| Banner Bank | $2,125,000 | $1,210,000 | -43.1% | 0.1% |
| FIRST TECHNOLOGY | $1,960,000 | $1,210,000 | -38.3% | 0.1% |
| STANFORD Federal Credit Union | $1,205,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $525,000 | $1,185,000 | 125.7% | 0.1% |
| TRAVIS CREDIT UNION | $895,000 | $1,185,000 | 32.4% | 0.1% |
| Strong Home Mortgage, LLC | $2,120,000 | $1,175,000 | -44.6% | 0.1% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $1,115,000 | $1,145,000 | 2.7% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,135,000 | n/a | 0.1% | |
| M&T Bank | $185,000 | $1,130,000 | 510.8% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $2,840,000 | $1,115,000 | -60.7% | 0.1% |
| OPEN MORTGAGE, LLC | $1,970,000 | $1,110,000 | -43.7% | 0.1% |
| Exchange Bank | $655,000 | $1,090,000 | 66.4% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $320,000 | $1,055,000 | 229.7% | 0.1% |
| Self-Help Federal Credit Union | $1,770,000 | $1,055,000 | -40.4% | 0.1% |
| First Guaranty Mortgage Corporation | $5,745,000 | $1,045,000 | -81.8% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,095,000 | $1,025,000 | -6.4% | 0.1% |
| Northwest Farm Credit Services, FLCA | $2,795,000 | $1,000,000 | -64.2% | 0.1% |
| SOFI LENDING CORP. | $1,615,000 | $1,000,000 | -38.1% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $375,000 | $985,000 | 162.7% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $9,475,000 | $980,000 | -89.7% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $14,005,000 | $980,000 | -93.0% | 0.1% |
| Discover Bank | $425,000 | $975,000 | 129.4% | 0.1% |
| Franklin Loan Corporation | $1,330,000 | $960,000 | -27.8% | 0.1% |
| NFM, INC. | $165,000 | $960,000 | 481.8% | 0.1% |
| SCENIC OAKS FUNDING, INC. | $700,000 | $910,000 | 30.0% | 0.1% |
| LADERA LENDING, INC. | $3,015,000 | $900,000 | -70.1% | 0.1% |
| First Bank | $895,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $415,000 | $890,000 | 114.5% | 0.1% |
| CHERRY CREEK MORTGAGE, LLC | $2,275,000 | $880,000 | -61.3% | 0.1% |
| NEXERA HOLDING LLC | $770,000 | $875,000 | 13.6% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $3,490,000 | $870,000 | -75.1% | 0.1% |
| First Northern Bank of Dixon | $1,605,000 | $850,000 | -47.0% | 0.1% |
| UNION HOME MORTGAGE CORP. | $450,000 | $850,000 | 88.9% | 0.1% |
| Ally Bank | $840,000 | $830,000 | -1.2% | 0.1% |
| NMSI, INC. | $3,065,000 | $825,000 | -73.1% | 0.1% |
| CENTRAL COAST LENDING, INC. | $720,000 | $810,000 | 12.5% | 0.1% |
| ENVOY MORTGAGE, LTD | $1,995,000 | $810,000 | -59.4% | 0.1% |
| IMPAC MORTGAGE CORP. | $7,100,000 | $810,000 | -88.6% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $13,065,000 | $800,000 | -93.9% | 0.1% |
| THE POLICE Credit Union | $480,000 | $795,000 | 65.6% | 0.1% |
| ADVANCIAL | $615,000 | $785,000 | 27.6% | 0.1% |
| BANC ONE MORTGAGE CORPORATION | $780,000 | n/a | 0.1% | |
| HighTechLending Inc | $850,000 | $780,000 | -8.2% | 0.1% |
| Hometown Equity Mortgage, LLC | $1,395,000 | $775,000 | -44.4% | 0.1% |
| CITIZENS EQUITY FIRST | $75,000 | $770,000 | 926.7% | 0.1% |
| ALLIANT CREDIT UNION | $445,000 | $765,000 | 71.9% | 0.1% |
| WESTCOAST MORTGAGE GROUP AND REALTY COMPANY | $1,595,000 | $760,000 | -52.4% | 0.1% |
| AmeriHome Mortgage Company, LLC | $860,000 | $755,000 | -12.2% | 0.0% |
| NBKC BANK | $4,055,000 | $755,000 | -81.4% | 0.0% |
| Sunflower Bank | $730,000 | n/a | 0.0% | |
| SOVEREIGN LENDING GROUP INCORPORATED | $2,750,000 | $720,000 | -73.8% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $915,000 | $710,000 | -22.4% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $2,890,000 | $705,000 | -75.6% | 0.0% |
| Luther Burbank Savings | $2,445,000 | $705,000 | -71.2% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $4,235,000 | $700,000 | -83.5% | 0.0% |
| VERITAS FUNDING, LLC | $325,000 | $690,000 | 112.3% | 0.0% |
| FIRST U.S. COMMUNITY CREDIT UNION | $225,000 | $685,000 | 204.4% | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $1,035,000 | $675,000 | -34.8% | 0.0% |
| AMCAP MORTGAGE, LTD. | $660,000 | n/a | 0.0% | |
| Ameris Bank | $430,000 | $660,000 | 53.5% | 0.0% |
| ARC HOME LLC | $855,000 | $630,000 | -26.3% | 0.0% |
| GENEVA FINANCIAL, LLC | $1,620,000 | $630,000 | -61.1% | 0.0% |
| MICHIGAN MUTUAL, INC. | $1,200,000 | $625,000 | -47.9% | 0.0% |
| PACIFIC SERVICE | $1,190,000 | $625,000 | -47.5% | 0.0% |
| Firefighters First Federal Credit Union | $135,000 | $610,000 | 351.9% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $605,000 | n/a | 0.0% | |
| Luxury Mortgage Corp. | $585,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $565,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $560,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $1,055,000 | $560,000 | -46.9% | 0.0% |
| Service Federal Credit Union | $545,000 | n/a | 0.0% | |
| RANLIFE, INC. | $630,000 | $530,000 | -15.9% | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,830,000 | $525,000 | -86.3% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $2,755,000 | $520,000 | -81.1% | 0.0% |
| EMBRACE HOME LOANS, INC. | $930,000 | $515,000 | -44.6% | 0.0% |
| Platinum Home Mortgage Corporation | $515,000 | n/a | 0.0% | |
| Nations Lending Corporation | $1,195,000 | $510,000 | -57.3% | 0.0% |
| SAN FRANCISCO FIRE CREDIT UNION | $620,000 | $505,000 | -18.5% | 0.0% |
| AXIA FINANCIAL, LLC | $515,000 | $485,000 | -5.8% | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $485,000 | n/a | 0.0% | |
| KELLER MORTGAGE, LLC | $475,000 | $465,000 | -2.1% | 0.0% |
| Chicago Mortgage Solutions LLC | $455,000 | n/a | 0.0% | |
| Northpointe Bank | $455,000 | n/a | 0.0% | |
| DIRECT MORTGAGE, CORP. | $1,340,000 | $445,000 | -66.8% | 0.0% |
| First-Citizens Bank & Trust Company | $445,000 | n/a | 0.0% | |
| INTERCAP LENDING INC. | $445,000 | n/a | 0.0% | |
| CALIFORNIA CREDIT UNION | $435,000 | n/a | 0.0% | |
| GUARANTY HOME MORTGAGE CORPORATION | $435,000 | n/a | 0.0% | |
| Wyndham Capital Mortgage, Inc. | $1,575,000 | $425,000 | -73.0% | 0.0% |
| JMAC LENDING, INC. | $850,000 | $405,000 | -52.4% | 0.0% |
| ML Mortgage Corp. | $405,000 | n/a | 0.0% | |
| Plains Commerce Bank | $865,000 | $405,000 | -53.2% | 0.0% |
| Prime Choice Funding Inc. | $1,890,000 | $405,000 | -78.6% | 0.0% |
| Loan Simple, Inc. | $395,000 | n/a | 0.0% | |
| The Central Trust Bank | $245,000 | $395,000 | 61.2% | 0.0% |
| MORTGAGEONE, INC. | $385,000 | n/a | 0.0% | |
| Quontic Bank | $385,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $385,000 | n/a | 0.0% | |
| THRIVE MORTGAGE, LLC | $380,000 | n/a | 0.0% | |
| First Mortgage Solutions, LLC | $375,000 | n/a | 0.0% | |
| LOANLEADERS OF AMERICA, INC. | $375,000 | n/a | 0.0% | |
| NEW WAVE LENDING GROUP INC | $375,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $375,000 | n/a | 0.0% | |
| BECKAM FUNDING CORP. | $975,000 | $365,000 | -62.6% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $435,000 | $365,000 | -16.1% | 0.0% |
| MEGASTAR FINANCIAL CORP. | $365,000 | n/a | 0.0% | |
| MK LENDING CORP. | $365,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $360,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $5,620,000 | $345,000 | -93.9% | 0.0% |
| San Mateo Credit Union | $440,000 | $345,000 | -21.6% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,905,000 | $335,000 | -82.4% | 0.0% |
| CLEARPATH LENDING | $5,655,000 | $335,000 | -94.1% | 0.0% |
| Florida Capital Bank | $1,020,000 | $335,000 | -67.2% | 0.0% |
| United Fidelity Funding Corp. | $325,000 | n/a | 0.0% | |
| ATHAS CAPITAL GROUP, INC. | $400,000 | $320,000 | -20.0% | 0.0% |
| Pacific Lending LLC | $315,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $315,000 | n/a | 0.0% | |
| DRAPER AND KRAMER MORTGAGE CORP. | $1,070,000 | $305,000 | -71.5% | 0.0% |
| Morgan Stanley Private Bank | $305,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $3,410,000 | $305,000 | -91.1% | 0.0% |
| Watermark Capital, Inc. | $1,525,000 | $305,000 | -80.0% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $875,000 | $295,000 | -66.3% | 0.0% |
| AMERIFIRST FINANCIAL CORPORATION | $265,000 | n/a | 0.0% | |
| COUNTRY CLUB MORTGAGE, INC. | $265,000 | n/a | 0.0% | |
| GOOGAIN, INC. | $400,000 | $265,000 | -33.8% | 0.0% |
| LANTZMAN MANAGEMENT, INC. | $145,000 | $265,000 | 82.8% | 0.0% |
| Citibank | $360,000 | $255,000 | -29.2% | 0.0% |
| Greenbox Loans, Inc. | $730,000 | $255,000 | -65.1% | 0.0% |
| STEARNS LENDING, LLC | $8,040,000 | $250,000 | -96.9% | 0.0% |
| ADVANTIS | $220,000 | n/a | 0.0% | |
| Comerica Bank | $215,000 | n/a | 0.0% | |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $215,000 | n/a | 0.0% | |
| HANSCOM | $205,000 | n/a | 0.0% | |
| MIDWEST LOAN SOLUTIONS, INC. | $205,000 | n/a | 0.0% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $205,000 | n/a | 0.0% | |
| INFINITY EQUITY GROUP, INC. | $195,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $195,000 | n/a | 0.0% | |
| San Joaquin Power Employees Credit Union | $195,000 | n/a | 0.0% | |
| FAY SERVICING, LLC | $175,000 | $185,000 | 5.7% | 0.0% |
| LENDING 3, INC. | $185,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $330,000 | $180,000 | -45.5% | 0.0% |
| ALL REVERSE MORTGAGE, INC. | $155,000 | n/a | 0.0% | |
| ANGEL OAK HOME LOANS LLC | $155,000 | n/a | 0.0% | |
| Baxter Credit Union | $155,000 | n/a | 0.0% | |
| GTE Federal Credit Union | $145,000 | n/a | 0.0% | |
| JET DIRECT FUNDING CORP | $135,000 | n/a | 0.0% | |
| California Coast Credit Union | $125,000 | n/a | 0.0% | |
| HomeTrust Bank | $135,000 | $125,000 | -7.4% | 0.0% |
| Secured Investment Corp. | $215,000 | $115,000 | -46.5% | 0.0% |
| SACRAMENTO Credit Union | $280,000 | $100,000 | -64.3% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $395,000 | $95,000 | -75.9% | 0.0% |
| INTELLILOAN, INC. | $2,750,000 | $75,000 | -97.3% | 0.0% |
| GREAT LAKES | $70,000 | n/a | 0.0% | |
| TOGETHER CREDIT UNION | $65,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $65,000 | n/a | 0.0% | |
| 1ST UNITED SERVICES CREDIT UNION | $55,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $55,000 | n/a | 0.0% | |
| CANVAS CREDIT UNION | $55,000 | n/a | 0.0% | |
| COMMUNITY MORTGAGE FUNDING, LLC | $25,000 | n/a | 0.0% | |
| UNITED | $25,000 | n/a | 0.0% |
YUBA CITY's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 15.0% market share. In second place, with 5.4%, is QUICKEN LOANS, LLC, having originated $81,765,000 in loans. In third place, with 5.1%, is LOANDEPOT.COM, LLC, having originated $76,945,000 in loans. In fourth place, with 4.1%, is Hometown Lenders, Inc., having originated $62,815,000 in loans. In fifth place, with 3.0%, is ROUNDPOINT MORTGAGE SERVICING CORPORATION, having originated $44,825,000 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 | $299,675 (9.0%) | $358,757 (3.3%) | 1.11 | 334 |
| 2018-02-01 | $305,011 (5.5%) | $361,905 (3.0%) | 1.11 | 326 |
| 2018-03-01 | $315,500 (8.2%) | $371,041 (6.2%) | 1.11 | 314 |
| 2018-04-01 | $329,475 (10.6%) | $383,143 (6.0%) | 1.12 | 332 |
| 2018-05-01 | $326,475 (10.1%) | $385,088 (4.0%) | 1.09 | 372 |
| 2018-06-01 | $328,200 (9.4%) | $384,694 (3.9%) | 1.09 | 396 |
| 2018-07-01 | $320,988 (7.0%) | $369,895 (0.0%) | 1.07 | 449 |
| 2018-08-01 | $317,975 (6.4%) | $360,262 (-0.1%) | 1.07 | 496 |
| 2018-09-01 | $319,900 (7.0%) | $366,687 (4.0%) | 1.08 | 505 |
| 2018-10-01 | $312,500 (5.9%) | $364,851 (5.6%) | 1.06 | 503 |
| 2018-11-01 | $306,725 (4.0%) | $359,207 (3.3%) | 1.04 | 467 |
| 2018-12-01 | $300,000 (1.7%) | $348,338 (-1.1%) | 1.03 | 383 |
| 2019-01-01 | $299,950 (0.1%) | $354,683 (-1.1%) | 1.04 | 319 |
| 2019-02-01 | $312,925 (2.6%) | $378,550 (4.6%) | 1.06 | 319 |
| 2019-03-01 | $319,000 (1.1%) | $383,177 (3.3%) | 1.06 | 303 |
| 2019-04-01 | $327,450 (-0.6%) | $393,363 (2.7%) | 1.04 | 330 |
| 2019-05-01 | $327,450 (0.3%) | $400,709 (4.1%) | 1.02 | 365 |
| 2019-06-01 | $334,900 (2.0%) | $392,795 (2.1%) | 1.05 | 391 |
| 2019-07-01 | $335,000 (4.4%) | $394,404 (6.6%) | 1.05 | 425 |
| 2019-08-01 | $329,600 (3.7%) | $382,337 (6.1%) | 1.03 | 410 |
| 2019-09-01 | $330,000 (3.2%) | $372,563 (1.6%) | 1.04 | 374 |
| 2019-10-01 | $331,000 (5.9%) | $365,534 (0.2%) | 1.07 | 402 |
| 2019-11-01 | $339,000 (10.5%) | $378,582 (5.4%) | 1.11 | 389 |
| 2019-12-01 | $329,925 (10.0%) | $392,777 (12.8%) | 1.10 | 319 |
| 2020-01-01 | $332,000 (10.7%) | $380,500 (7.3%) | 1.11 | 287 |
| 2020-02-01 | $349,950 (11.8%) | $394,428 (4.2%) | 1.15 | 290 |
| 2020-03-01 | $358,450 (12.4%) | $415,651 (8.5%) | 1.12 | 303 |
| 2020-04-01 | $359,975 (9.9%) | $417,616 (6.2%) | 1.13 | 302 |
| 2020-05-01 | $385,000 (17.6%) | $440,931 (10.0%) | 1.17 | 255 |
| 2020-06-01 | $385,000 (15.0%) | $435,925 (11.0%) | 1.13 | 225 |
| 2020-07-01 | $380,000 (13.4%) | $442,409 (12.2%) | 1.10 | 205 |
| 2020-08-01 | $369,999 (12.3%) | $436,946 (14.3%) | 1.06 | 194 |
| 2020-09-01 | $388,500 (17.7%) | $449,354 (20.6%) | 1.11 | 175 |
| 2020-10-01 | $378,450 (14.3%) | $453,698 (24.1%) | 1.08 | 193 |
| 2020-11-01 | $394,463 (16.4%) | $451,715 (19.3%) | 1.15 | 160 |
| 2020-12-01 | $403,725 (22.4%) | $447,333 (13.9%) | 1.20 | 137 |
| 2021-01-01 | $399,900 (20.5%) | $480,195 (26.2%) | 1.19 | 101 |
| 2021-02-01 | $399,950 (14.3%) | $501,349 (27.1%) | 1.16 | 116 |
| 2021-03-01 | $404,975 (13.0%) | $500,521 (20.4%) | 1.15 | 118 |
| 2021-04-01 | $404,900 (12.5%) | $489,351 (17.2%) | 1.10 | 142 |
| 2021-05-01 | $415,000 (7.8%) | $500,682 (13.6%) | 1.10 | 141 |
| 2021-06-01 | $427,738 (11.1%) | $554,892 (27.3%) | 1.13 | 185 |
| 2021-07-01 | $429,000 (12.9%) | $546,572 (23.5%) | 1.13 | 214 |
| 2021-08-01 | $415,000 (12.2%) | $502,194 (14.9%) | 1.11 | 206 |
| 2021-09-01 | $422,500 (8.8%) | $504,436 (12.3%) | 1.13 | 223 |
| 2021-10-01 | $429,990 (13.6%) | $521,531 (15.0%) | 1.15 | 227 |
| 2021-11-01 | $440,200 (11.6%) | $533,278 (18.1%) | 1.18 | 223 |
| 2021-12-01 | $443,250 (9.8%) | $520,345 (16.3%) | 1.20 | 166 |
| 2022-01-01 | $454,500 (13.7%) | $524,805 (9.3%) | 1.23 | 148 |
| 2022-02-01 | $474,950 (18.8%) | $532,033 (6.1%) | 1.24 | 150 |
| 2022-03-01 | $477,000 (17.8%) | $537,959 (7.5%) | 1.19 | 178 |
| 2022-04-01 | $475,000 (17.3%) | $529,955 (8.3%) | 1.13 | 212 |
| 2022-05-01 | $492,495 (18.7%) | $527,464 (5.4%) | 1.13 | 273 |
| 2022-06-01 | $480,000 (12.2%) | $532,754 (-4.0%) | 1.07 | 331 |
| 2022-07-01 | $470,000 (9.6%) | $523,999 (-4.1%) | 1.06 | 375 |
| 2022-08-01 | $459,675 (10.8%) | $516,679 (2.9%) | 1.06 | 435 |
| 2022-09-01 | $455,000 (7.7%) | $508,514 (0.8%) | 1.06 | 425 |
| 2022-10-01 | $451,500 (5.0%) | $504,049 (-3.4%) | 1.06 | 407 |
| 2022-11-01 | $457,437 (3.9%) | $513,568 (-3.7%) | 1.10 | 378 |
| 2022-12-01 | $450,450 (1.6%) | $512,023 (-1.6%) | 1.11 | 323 |
| 2023-01-01 | $459,000 (1.0%) | $510,900 (-2.7%) | 1.14 | 281 |
| 2023-02-01 | $459,500 (-3.3%) | $507,856 (-4.5%) | 1.11 | 281 |
| 2023-03-01 | $472,450 (-1.0%) | $523,383 (-2.7%) | 1.11 | 263 |
| 2023-04-01 | $475,000 (0.0%) | $537,498 (1.4%) | 1.10 | 210 |
YUBA CITY's median listing price for 2023-04-01 was $475,000, a difference of
$0
(0.0%) versus the prior year and
$2,550 versus the prior month.
YUBA CITY's median listing price comes in at 110% of the national average.
YUBA CITY's average listing price for 2023-04-01 was $537,498, a difference of $7,543 (1.4%) versus the prior year and $14,115 versus the prior month.
For the 2023-04-01 period, YUBA CITY had 210 MLS listings, a difference of -53 listings (-20%) versus the prior month and -2 listings (-1%) versus the prior year.
YUBA CITY's median listing price comes in at 110% of the national average.
YUBA CITY's average listing price for 2023-04-01 was $537,498, a difference of $7,543 (1.4%) versus the prior year and $14,115 versus the prior month.
For the 2023-04-01 period, YUBA CITY had 210 MLS listings, a difference of -53 listings (-20%) versus the prior month and -2 listings (-1%) 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 | 74 days | 1,829 sqft |
| 2018-02-01 | 67 days | 1,841 sqft |
| 2018-03-01 | 51 days | 1,872 sqft |
| 2018-04-01 | 47 days | 1,871 sqft |
| 2018-05-01 | 40 days | 1,877 sqft |
| 2018-06-01 | 44 days | 1,843 sqft |
| 2018-07-01 | 43 days | 1,797 sqft |
| 2018-08-01 | 45 days | 1,781 sqft |
| 2018-09-01 | 54 days | 1,824 sqft |
| 2018-10-01 | 57 days | 1,778 sqft |
| 2018-11-01 | 59 days | 1,716 sqft |
| 2018-12-01 | 68 days | 1,703 sqft |
| 2019-01-01 | 65 days | 1,634 sqft |
| 2019-02-01 | 57 days | 1,673 sqft |
| 2019-03-01 | 59 days | 1,675 sqft |
| 2019-04-01 | 45 days | 1,694 sqft |
| 2019-05-01 | 39 days | 1,681 sqft |
| 2019-06-01 | 46 days | 1,725 sqft |
| 2019-07-01 | 47 days | 1,727 sqft |
| 2019-08-01 | 57 days | 1,735 sqft |
| 2019-09-01 | 64 days | 1,792 sqft |
| 2019-10-01 | 61 days | 1,764 sqft |
| 2019-11-01 | 63 days | 1,856 sqft |
| 2019-12-01 | 79 days | 1,818 sqft |
| 2020-01-01 | 75 days | 1,845 sqft |
| 2020-02-01 | 54 days | 1,853 sqft |
| 2020-03-01 | 50 days | 1,889 sqft |
| 2020-04-01 | 54 days | 1,857 sqft |
| 2020-05-01 | 74 days | 2,000 sqft |
| 2020-06-01 | 77 days | 1,984 sqft |
| 2020-07-01 | 75 days | 1,884 sqft |
| 2020-08-01 | 52 days | 1,866 sqft |
| 2020-09-01 | 46 days | 1,965 sqft |
| 2020-10-01 | 45 days | 1,850 sqft |
| 2020-11-01 | 52 days | 1,845 sqft |
| 2020-12-01 | 64 days | 1,828 sqft |
| 2021-01-01 | 54 days | 1,801 sqft |
| 2021-02-01 | 29 days | 1,818 sqft |
| 2021-03-01 | 34 days | 1,786 sqft |
| 2021-04-01 | 28 days | 1,857 sqft |
| 2021-05-01 | 30 days | 1,841 sqft |
| 2021-06-01 | 26 days | 1,773 sqft |
| 2021-07-01 | 28 days | 1,731 sqft |
| 2021-08-01 | 39 days | 1,653 sqft |
| 2021-09-01 | 37 days | 1,652 sqft |
| 2021-10-01 | 39 days | 1,716 sqft |
| 2021-11-01 | 42 days | 1,753 sqft |
| 2021-12-01 | 51 days | 1,759 sqft |
| 2022-01-01 | 51 days | 1,791 sqft |
| 2022-02-01 | 32 days | 1,760 sqft |
| 2022-03-01 | 25 days | 1,806 sqft |
| 2022-04-01 | 27 days | 1,754 sqft |
| 2022-05-01 | 29 days | 1,833 sqft |
| 2022-06-01 | 32 days | 1,830 sqft |
| 2022-07-01 | 40 days | 1,785 sqft |
| 2022-08-01 | 47 days | 1,777 sqft |
| 2022-09-01 | 49 days | 1,788 sqft |
| 2022-10-01 | 56 days | 1,810 sqft |
| 2022-11-01 | 64 days | 1,800 sqft |
| 2022-12-01 | 71 days | 1,756 sqft |
| 2023-01-01 | 75 days | 1,797 sqft |
| 2023-02-01 | 56 days | 1,787 sqft |
| 2023-03-01 | 55 days | 1,849 sqft |
| 2023-04-01 | 53 days | 1,864 sqft |
YUBA CITY's median listing age (time on market) for 2023-04-01 was 53 days.
This
is 98%
longer
than the same period one year ago.
YUBA CITY's median square footage for active listings during the 2023-04-01 period was 1,864 sqft. One year prior, the average listing was 1,754 sqft.
YUBA CITY's median square footage for active listings during the 2023-04-01 period was 1,864 sqft. One year prior, the average listing was 1,754 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 | $1,310 | $1,450 | $1,820 | $2,580 | $3,090 |
| 95645 | Yuba City, CA | $980 | $1,040 | $1,360 | $1,950 | $2,330 |
| 95659 | Yuba City, CA | $990 | $1,000 | $1,260 | $1,790 | $2,160 |
| 95668 | Yuba City, CA | $1,300 | $1,330 | $1,690 | $2,390 | $2,880 |
| 95674 | Yuba City, CA | $1,000 | $1,000 | $1,270 | $1,800 | $2,170 |
| 95676 | Yuba City, CA | $930 | $940 | $1,190 | $1,690 | $2,040 |
| 95692 | Yuba City, CA | $1,240 | $1,250 | $1,580 | $2,240 | $2,700 |
| 95836 | Yuba City, CA | $1,010 | $1,070 | $1,350 | $1,920 | $2,300 |
| 95837 | Yuba City, CA | $1,140 | $1,200 | $1,540 | $2,170 | $2,620 |
| 95901 | Yuba City, CA | $940 | $950 | $1,200 | $1,700 | $2,050 |
| 95903 | Yuba City, CA | $1,380 | $1,390 | $1,760 | $2,500 | $3,010 |
| 95914 | Yuba City, CA | $900 | $920 | $1,180 | $1,680 | $2,020 |
| 95918 | Yuba City, CA | $1,050 | $1,060 | $1,340 | $1,900 | $2,290 |
| 95919 | Yuba City, CA | $940 | $950 | $1,200 | $1,700 | $2,050 |
| 95922 | Yuba City, CA | $830 | $840 | $1,060 | $1,510 | $1,810 |
| 95925 | Yuba City, CA | $910 | $920 | $1,160 | $1,650 | $1,990 |
| 95930 | Yuba City, CA | $850 | $900 | $1,170 | $1,660 | $2,010 |
| 95935 | Yuba City, CA | $1,050 | $1,050 | $1,330 | $1,900 | $2,280 |
| 95941 | Yuba City, CA | $820 | $880 | $1,150 | $1,630 | $1,980 |
| 95948 | Yuba City, CA | $790 | $820 | $1,080 | $1,530 | $1,860 |
| 95953 | Yuba City, CA | $910 | $920 | $1,160 | $1,650 | $1,990 |
| 95957 | Yuba City, CA | $790 | $800 | $1,010 | $1,450 | $1,750 |
| 95960 | Yuba City, CA | $1,250 | $1,260 | $1,590 | $2,260 | $2,720 |
| 95961 | Yuba City, CA | $890 | $890 | $1,130 | $1,610 | $1,930 |
| 95962 | Yuba City, CA | $1,030 | $1,030 | $1,310 | $1,860 | $2,240 |
| 95966 | Yuba City, CA | $810 | $870 | $1,150 | $1,620 | $1,970 |
| 95972 | Yuba City, CA | $910 | $920 | $1,160 | $1,650 | $1,990 |
| 95977 | Yuba City, CA | $1,250 | $1,260 | $1,590 | $2,260 | $2,720 |
| 95981 | Yuba City, CA | $830 | $840 | $1,060 | $1,510 | $1,810 |
| 95982 | Yuba City, CA | $1,080 | $1,080 | $1,370 | $1,950 | $2,340 |
| 95991 | Yuba City, CA | $910 | $920 | $1,160 | $1,650 | $1,990 |
| 95992 | Yuba City, CA | $930 | $940 | $1,190 | $1,690 | $2,040 |
| 95993 | Yuba City, CA | $1,080 | $1,080 | $1,370 | $1,950 | $2,340 |
2022 Average & Median Rent Data Statistics
YUBA CITY, CA average 1BR rent: $1,023, median: $950
YUBA CITY, CA average 2BR rent: $1,301, median: $1,200
YUBA CITY, CA average 3BR rent: $1,848, median: $1,700
YUBA CITY, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,561 | $993,655,000 | $387,995 |
| Cash Out Refi | 1,156 | $332,930,000 | $288,002 |
| Refi | 482 | $127,740,000 | $265,021 |
| Home Improvement | 306 | $33,590,000 | $109,771 |
| Other | 228 | $25,730,000 | $112,851 |
| NA | 1 | $265,000 | $265,000 |
Yuba City's most frequently cited loan purpose was Home Purchase, with 2,561 originations. The 2nd most popular reason was Cash Out Refi, with 1,156 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 1,253 | $429,795,000 | $343,013 |
| 3-4% | 1,175 | $394,815,000 | $336,013 |
| 5-6% | 1,009 | $360,935,000 | $357,716 |
| 6-7% | 430 | $127,980,000 | $297,628 |
| 2.5-3% | 322 | $94,510,000 | $293,509 |
| <2.5% | 230 | $33,180,000 | $144,261 |
| 7-8% | 168 | $37,710,000 | $224,464 |
| Over 8% | 115 | $15,095,000 | $131,261 |
During 2022, Yuba City's most frequently originated rate bucket was 4-5%, with 1,253 originations.
Loan Sizing (YUBA CITY, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 2,140 | $657,830,000 | $307,397 |
| $400k-600k | 1,256 | $582,890,000 | $464,084 |
| $100k-200k | 601 | $89,705,000 | $149,260 |
| $100,000 or less | 597 | $29,385,000 | $49,221 |
| $600k-1000k | 122 | $81,010,000 | $664,016 |
| $Over $1MM | 18 | $73,090,000 | $4,060,556 |
YUBA CITY's loan sizing saw the bucket of loans from $200k-400k with 2,140 originations, totaling $657,830,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,828 | $735,420,000 | $402,309 |
| 60-80% | 1,181 | $426,645,000 | $361,257 |
| 40-60% | 627 | $177,205,000 | $282,624 |
| Under 20% | 553 | $29,045,000 | $52,523 |
| 20-40% | 346 | $60,710,000 | $175,462 |
| Over 100% | 155 | $70,255,000 | $453,258 |
YUBA CITY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,828 originations, totaling $735,420,000 in origination value.