Top Mortgage Lenders in Eureka, CA

Which mortgage lender in the Eureka, CA area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Eureka, CA area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Eureka, CA area is Finance of America Mortgage, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.08%. This means that Finance of America Mortgage provided a -0.08% lower interest rate for its customers than other lenders in Eureka, CA for a similar set of borrowers. Finance of America Mortgage has a market share of 9.0%. On the other hand, the most popular lender in the market is Caliber Home Loans Inc, with a market share of 24.3%. Caliber Home Loans Inc is an average rate lender in this area, with a “Rate Difference” of -0.01% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Eureka, CA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Eureka, CA is LoanDepot. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Finance of America Mortgage. The cheapest VA mortgage provider is also Finance of America Mortgage. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Eureka, CA

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Finance of America Mortgage 1, -0.08% 8.98%
Florida Capital Bank National Association 2, -0.06% 8.80%
Wells Fargo Bank 3, -0.06% 6.76%
LoanDepot 4, -0.04% 3.70%
Us Bank 5, -0.02% 4.07%
Caliber Home Loans Inc 6, -0.01% 24.26%
Fairway Independent Mort Corp 7, -0.00% 5.00%
American Pacific Mortgage Corporation 8, 0.03% 3.61%
Quicken Loans 9, 0.04% 14.17%
Umpqua Bank 10, 0.05% 12.31%
Summit Funding Inc 11, 0.08% 8.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Finance of America Mortgage 1, -0.08% 12.22%
Wells Fargo Bank 2, -0.07% 6.56%
Florida Capital Bank National Association 3, -0.05% 10.43%
Us Bank 4, -0.04% 3.58%
Caliber Home Loans Inc 5, -0.00% 26.83%
Fairway Independent Mort Corp 6, 0.01% 7.00%
Quicken Loans 7, 0.01% 3.87%
LoanDepot 8, 0.03% 0.60%
Umpqua Bank 9, 0.04% 13.56%
American Pacific Mortgage Corporation 10, 0.05% 4.32%
Summit Funding Inc 11, 0.11% 11.03%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Florida Capital Bank National Association 1, -0.08% 6.11%
LoanDepot 2, -0.06% 8.80%
Finance of America Mortgage 3, -0.06% 3.67%
Wells Fargo Bank 4, -0.05% 7.09%
Fairway Independent Mort Corp 5, -0.03% 1.71%
American Pacific Mortgage Corporation 6, -0.02% 2.44%
Summit Funding Inc 7, -0.01% 3.91%
Caliber Home Loans Inc 8, -0.00% 20.05%
Us Bank 9, -0.00% 4.89%
Quicken Loans 10, 0.04% 31.05%
Umpqua Bank 11, 0.07% 10.27%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
LoanDepot 1, -0.09% 2.62%
Florida Capital Bank National Association 2, -0.07% 9.33%
Wells Fargo Bank 3, -0.07% 7.62%
Finance of America Mortgage 4, -0.06% 6.83%
Us Bank 5, -0.02% 4.55%
Caliber Home Loans Inc 6, -0.01% 24.69%
Fairway Independent Mort Corp 7, -0.01% 4.78%
American Pacific Mortgage Corporation 8, 0.03% 3.53%
Quicken Loans 9, 0.04% 15.36%
Umpqua Bank 10, 0.05% 13.77%
Summit Funding Inc 11, 0.11% 6.94%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.08% 7.47%
Florida Capital Bank National Association 2, -0.06% 11.11%
Finance of America Mortgage 3, -0.05% 9.20%
Us Bank 4, -0.05% 4.02%
Caliber Home Loans Inc 5, -0.02% 27.01%
Fairway Independent Mort Corp 6, -0.00% 7.28%
Quicken Loans 7, 0.01% 4.41%
LoanDepot 8, 0.04% 0.57%
Umpqua Bank 9, 0.04% 15.71%
American Pacific Mortgage Corporation 10, 0.06% 4.21%
Summit Funding Inc 11, 0.15% 9.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
LoanDepot 1, -0.12% 5.60%
Florida Capital Bank National Association 2, -0.09% 6.72%
Finance of America Mortgage 3, -0.06% 3.36%
Wells Fargo Bank 4, -0.05% 7.84%
Fairway Independent Mort Corp 5, -0.04% 1.12%
American Pacific Mortgage Corporation 6, -0.02% 2.52%
Summit Funding Inc 7, -0.00% 3.92%
Caliber Home Loans Inc 8, -0.00% 21.29%
Us Bank 9, -0.00% 5.32%
Quicken Loans 10, 0.04% 31.37%
Umpqua Bank 11, 0.07% 10.92%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Finance of America Mortgage 1, -0.14% 18.92%
Florida Capital Bank National Association 2, -0.01% 6.31%
Umpqua Bank 3, 0.03% 4.50%
Summit Funding Inc 4, 0.03% 23.42%
Fairway Independent Mort Corp 5, 0.03% 6.31%
Quicken Loans 6, 0.04% 9.91%
Caliber Home Loans Inc 7, 0.04% 22.52%
LoanDepot 8, 0.05% 4.50%
American Pacific Mortgage Corporation 9, 0.05% 3.60%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Finance of America Mortgage 1, -0.13% 22.83%
Florida Capital Bank National Association 2, -0.01% 7.61%
LoanDepot 3, 0.01% 1.09%
Umpqua Bank 4, 0.04% 4.35%
Summit Funding Inc 5, 0.04% 26.09%
Fairway Independent Mort Corp 6, 0.04% 5.43%
Caliber Home Loans Inc 7, 0.05% 25.00%
Quicken Loans 8, 0.05% 3.26%
American Pacific Mortgage Corporation 9, 0.06% 4.35%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Summit Funding Inc 1, -0.02% 10.53%
Caliber Home Loans Inc 2, -0.02% 10.53%
Umpqua Bank 3, -0.01% 5.26%
Quicken Loans 4, -0.00% 42.11%
Fairway Independent Mort Corp 5, 0.00% 10.53%
LoanDepot 6, 0.03% 21.05%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.01% 22.22%
Us Bank 2, -0.01% 22.22%
Caliber Home Loans Inc 3, 0.00% 11.11%
Finance of America Mortgage 4, 0.01% 11.11%
Florida Capital Bank National Association 5, 0.01% 11.11%
LoanDepot 6, 0.01% 11.11%
Umpqua Bank 7, 0.01% 11.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.01% 16.67%
Wells Fargo Bank 2, -0.01% 16.67%
Caliber Home Loans Inc 3, 0.00% 16.67%
Finance of America Mortgage 4, 0.00% 16.67%
Florida Capital Bank National Association 5, 0.00% 16.67%
Umpqua Bank 6, 0.01% 16.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.02% 33.33%
Us Bank 2, -0.00% 33.33%
LoanDepot 3, 0.02% 33.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Finance of America Mortgage 1, -0.06% 18.52%
Wells Fargo Bank 2, -0.01% 4.94%
Florida Capital Bank National Association 3, -0.01% 6.17%
Us Bank 4, 0.01% 2.47%
Umpqua Bank 5, 0.01% 7.41%
American Pacific Mortgage Corporation 6, 0.01% 4.94%
Caliber Home Loans Inc 7, 0.01% 23.46%
LoanDepot 8, 0.02% 13.58%
Fairway Independent Mort Corp 9, 0.02% 6.17%
Quicken Loans 10, 0.02% 8.64%
Summit Funding Inc 11, 0.04% 3.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Finance of America Mortgage 1, -0.07% 23.53%
Florida Capital Bank National Association 2, -0.01% 7.84%
Wells Fargo Bank 3, -0.01% 7.84%
Us Bank 4, 0.01% 3.92%
American Pacific Mortgage Corporation 5, 0.02% 5.88%
Umpqua Bank 6, 0.02% 7.84%
Fairway Independent Mort Corp 7, 0.03% 7.84%
Caliber Home Loans Inc 8, 0.03% 29.41%
Summit Funding Inc 9, 0.04% 5.88%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.05% 13.33%
Umpqua Bank 2, -0.02% 6.67%
Finance of America Mortgage 3, -0.01% 10.00%
Fairway Independent Mort Corp 4, -0.01% 3.33%
Florida Capital Bank National Association 5, -0.00% 3.33%
American Pacific Mortgage Corporation 6, -0.00% 3.33%
LoanDepot 7, 0.02% 36.67%
Quicken Loans 8, 0.02% 23.33%

* Data is compiled for the Eureka, CA commuting zone area, which comprises of counties of Humboldt County, CA, and Trinity County, CA. This includes cities/towns/communities of Eureka, CA as well as McKinleyville, CA, Fortuna, CA, Arcata, CA, Humboldt Hill, CA, Myrtletown, CA, Trinity Center, CA, Loleta, CA, Douglas City, CA, Redcrest, CA, Pine Hills, CA, Indianola, CA, Hyampom, CA, Big Lagoon, CA, Shelter Cove, CA, Fieldbrook, CA, Willow Creek, CA, Ferndale, CA, Junction City, CA, Garberville, CA, Manila, CA, and Mad River, CA. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings for Other Cities

This page ranks the top mortgage lenders in the Eureka, CA area. For mortgage lender rankings of other cities, click here.