Oregon Community Mortgage Rates, Fees & Info

Eugene, OR

LEI: 549300IEP77RKJ87Z176

Tax ID: 93-0492535

1.8 stars - Updated: 5/12/25 - out of 5 stars, based on 37 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Oregon Community is a smaller mortgage company specializing in Home Improvement, Refi, and Home Purchase loans. Oregon Community has a high proportion of conventional loans. Their top markets by origination volume include: Eugene, Salem, Portland, Bend, and Albany among others. We have data for 20 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Oregon Community has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Oregon Community is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 7.10% 5/12/25
    30 Year Conventional Purchase 7.12% 5/12/25
    30 Year Conventional Refi 6.97% 5/12/25
    30 Year Cash-out Refi 7.11% 5/12/25
    30 Year VA Purchase 6.72% 5/12/25
    15 Year Conventional Purchase 6.36% 5/12/25
    15 Year Conventional Refi 9.17% 5/12/25
    15 Year Cash-out Refi 9.17% 5/12/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Oregon Community Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Oregon Community. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,374

    Origination Dollar Volume (All Markets)

    $168,900,000

    Awards

    OREGON COMMUNITY 30 Year Conventional Loans gold OREGON COMMUNITY 30 Year Conventional Loans silver
    Show all (2) awards

    Relative Rate

    Oregon Community's average 30 year fixed mortgage rate was 8.47%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of 1.92%.

    Relative Fees (Closing Costs)

    Oregon Community's average total fees/closing costs for a 30 year fixed rate mortgage were $5,782.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 808 $97,850,000 $121,101 $2,893 8.51%
    SALEM, OR (FHA|USDA|VA) 199 $23,655,000 $118,869 $2,628 8.62%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 170 $21,490,000 $126,412 $2,066 8.80%
    BEND, OR (FHA|USDA|VA) 37 $6,035,000 $163,108 $3,022 8.49%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 49 $4,665,000 $95,204 $2,018 9.15%
    CORVALLIS, OR (FHA|USDA|VA) 26 $3,930,000 $151,154 $3,619 8.27%
    Roseburg, OR (FHA|USDA|VA) 23 $2,635,000 $114,565 $3,548 8.45%
    Coos Bay, OR (FHA|USDA|VA) 8 $1,310,000 $163,750 $6,868 8.42%
    Newport, OR (FHA|USDA|VA) 11 $1,265,000 $115,000 $2,724 8.76%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 6 $1,150,000 $191,667 $2,991 8.98%
    Klamath Falls, OR (FHA|USDA|VA) 6 $1,040,000 $173,333 $4,972 8.42%
    MEDFORD, OR (FHA|USDA|VA) 8 $1,010,000 $126,250 $2,125 8.05%
    Prineville, OR (FHA|USDA|VA) 6 $820,000 $136,667 $3,082 8.32%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $800,000 $400,000 $6,410 6.06%
    Outside of Metro Areas 7 $705,000 $100,714 $2,135 8.63%
    GRANTS PASS, OR (FHA|USDA|VA) 3 $175,000 $58,333 $2,196 8.51%
    LONGVIEW, WA (FHA|USDA|VA) 2 $120,000 $60,000 $0 10.63%
    Astoria, OR (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.25%
    The Dalles, OR (FHA|USDA|VA) 1 $85,000 $85,000 $0 10.00%
    Aberdeen, WA (FHA|USDA|VA) 1 $65,000 $65,000 $175 10.02%
    Oregon Community's top markets include Eugene, Salem, Portland, Bend, and Albany among others.

    Their top states include:
  • Oregon (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against OREGON COMMUNITY based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    ROGUE
    Similarity Rank: 189
    SELCO COMMUNITY
    Similarity Rank: 266
    Yakima Federal Savings and Loan Association
    Similarity Rank: 294
    INROADS
    Similarity Rank: 552
    Clackamas Federal Credit Union
    Similarity Rank: 558
    PULTE MORTGAGE LLC
    Similarity Rank: 648
    MARION AND POLK SCHOOLS CREDIT UNION
    Similarity Rank: 705
    South Pacific Financial Corporation
    Similarity Rank: 777
    HOMEAMERICAN MORTGAGE CORPORATION
    Similarity Rank: 816
    UNIVERSAL LENDING CORPORATION
    Similarity Rank: 992

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 1,001 $96,055,000 $95,959 n/a 8.72%
    Conventional 373 $72,845,000 $195,295 $2,773 8.20%

    For 2024, Oregon Community's most frequently originated type of loan was HELOC, with 1,001 originations. Their 2nd most popular type was Conventional, with 373 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 561 $44,745,000 $79,759 $588 8.80%
    Other 302 $21,580,000 $71,457 $385 8.90%
    Refi 300 $36,300,000 $121,000 $765 8.77%
    Home Purchase 190 $62,450,000 $328,684 $5,874 7.27%
    Cash Out Refi 21 $3,825,000 $182,143 $4,489 7.12%

    For 2024, Oregon Community's most frequently cited loan purpose was Home Improvement, with 561 originations. The 2nd most popular reason was Other, with 302 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,136 $150,140,000 $132,165 $5,782 8.47%
    20 Year 98 $10,130,000 $103,367 $960 9.17%
    15 Year 87 $6,025,000 $69,253 $798 9.25%
    10 Year 37 $2,025,000 $54,730 $252 9.33%
    5 Year 9 $255,000 $28,333 $224 9.63%
    Other 7 $325,000 $46,429 $0 4.71%

    For 2024, Oregon Community's most frequently cited loan duration was 30 Year, with 1,136 originations. The 2nd most popular length was 20 Year, with 98 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 200 $14,840,000 $74,200
    $2k-3k 67 $20,055,000 $299,328
    $3k-4k 36 $14,290,000 $396,944
    $1k-2k 24 $3,200,000 $133,333
    $4k-5k 18 $8,840,000 $491,111
    $5k+ 16 $9,710,000 $606,875

    Oregon Community's average total fees were $5,782, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 200 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 1,028 $89,770,000 $87,325
    7-8% 218 $39,260,000 $180,092
    6-7% 107 $35,345,000 $330,327
    5-6% 15 $4,085,000 $272,333
    3-4% 3 $125,000 $41,667
    4-5% 2 $260,000 $130,000
    2.5-3% 1 $55,000 $55,000

    During 2024, Oregon Community's average interest rate for loans was 8.47%, while their most frequently originated rate bucket for loans was Over 8%, with 1,028 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 761 $39,075,000 $51,347 $414 8.91%
    $100k-200k 354 $45,370,000 $128,164 $1,940 8.59%
    $200k-400k 203 $54,205,000 $267,020 $5,023 7.77%
    $400k-600k 43 $20,205,000 $469,884 $6,593 6.85%
    $600k-1MM 12 $8,920,000 $743,333 $9,451 7.08%
    $1MM+ 1 $1,125,000 $1,125,000 $9,672 7.50%

    2024 saw Oregon Community place emphasis on $100,000 or less loans with 761 originations, totaling $39,075,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 401 $47,725,000 $119,015 $2,894 8.67%
    $150k-250k 287 $43,725,000 $152,352 $3,562 8.57%
    $75k-100k 245 $28,665,000 $117,000 $2,387 8.54%
    $50k-75k 234 $19,220,000 $82,137 $1,968 8.60%
    $50k or less 104 $7,500,000 $72,115 $1,552 8.49%
    $250k+ 83 $18,565,000 $223,675 $5,658 8.39%

    Oregon Community lent most frequently to those with incomes in the $100k-150k range, with 401 originations. The second most popular income band? $150k-250k, with 287 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 255 $29,975,000 $117,549 $2,789 8.42%
    30-36% 234 $29,820,000 $127,436 $3,147 8.58%
    <20% 91 $9,335,000 $102,582 $3,048 8.34%
    50-60% 87 $7,325,000 $84,195 $374 8.76%
    44% 67 $8,165,000 $121,866 $2,808 8.98%
    41% 59 $8,235,000 $139,576 $2,470 8.79%
    43% 58 $9,600,000 $165,517 $4,177 8.50%
    40% 54 $8,560,000 $158,519 $3,233 8.60%
    >60% 53 $5,545,000 $104,623 $495 8.51%
    36% 50 $5,320,000 $106,400 $1,949 8.57%
    42% 46 $6,570,000 $142,826 $3,674 8.51%
    47% 44 $5,640,000 $128,182 $2,391 8.81%
    37% 43 $5,375,000 $125,000 $2,478 8.59%
    39% 43 $4,785,000 $111,279 $2,371 8.55%
    45% 42 $4,650,000 $110,714 $2,025 8.85%
    46% 40 $6,130,000 $153,250 $3,316 8.55%
    49% 37 $5,255,000 $142,027 $3,343 8.46%
    48% 36 $4,900,000 $136,111 $4,607 8.44%
    38% 35 $3,715,000 $106,143 $2,162 8.74%

    Oregon Community lent most frequently to those with DTI ratios of 20-30%, with 255 originations. The next most common DTI ratio? 30-36%, with 234 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,104 $135,060,000 $122,337 $2,733 8.59%
    Not provided 198 $24,540,000 $123,939 $2,734 8.50%
    Asian 29 $3,775,000 $130,172 $4,035 8.45%
    American Indian 28 $2,980,000 $106,429 $1,428 8.69%
    Black 12 $2,390,000 $199,167 $4,587 9.04%
    Native Hawaiian or Islander 2 $110,000 $55,000 $0 9.13%
    Asian Indian 1 $45,000 $45,000 $0 10.50%

    Approval Rates

    Total approvals of all applications
    83.68%

    Oregon Community has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    78.60%

    Oregon Community has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,374 $168,900,000 $122,926

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,374 $168,900,000 $122,926

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 331 $45,745,000 $138,202 $1,630 8.61%
    40-60% 100 $23,120,000 $231,200 $4,550 7.92%
    60-80% 49 $16,415,000 $335,000 $5,689 7.06%
    80-100% 77 $34,365,000 $446,299 $6,289 7.00%
    Under 20% 817 $49,255,000 $60,288 $417 8.89%