ALBANY - LEBANON Mortgage Rates
30 Year Fixed Rate mortgages in Albany - Lebanon averaged
5.37%
for the week of 2022-05-19, compared to the national average of
5.25% for the same period.
The average rate for the prior week (2022-05-12) was
5.72% and
one month ago for the week of 2022-04-14, the
average rate was 5.32%.
Albany - Lebanon's average rate one year ago was 2.98%.
For refis of the same type during the week of 2022-05-19, the average rate
was 5.33%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-05-19 | 5.25% |
| Albany - Lebanon 30 Year Fixed Rate | 2022-05-19 | 5.37% |
| Albany - Lebanon 30 Year Fixed Rate Refi | 2022-05-19 | 5.33% |
| Albany - Lebanon 15 Year Fixed Rate | 2022-05-19 | 4.73% |
| Albany - Lebanon 15 Year Fixed Rate Refi | 2022-05-19 | 4.74% |
| Albany - Lebanon 30 Year FHA | 2022-05-19 | 5.31% |
| Albany - Lebanon 30 Year FHA Refi | 2022-05-19 | 5.37% |
| Albany - Lebanon 30 Year USDA | 2022-05-19 | 5.22% |
| Albany - Lebanon 30 Year USDA Refi | 2022-05-19 | 5.31% |
| Albany - Lebanon 30 Year VA | 2022-05-19 | 5.22% |
| Albany - Lebanon 30 Year VA Refi | 2022-05-19 | 5.07% |
ALBANY - LEBANON Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the ALBANY-LEBANON, OR 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.).
ALBANY-LEBANON, OR's 193 lenders originated 7,309
loans during 2021. The total origination value was $1,914,705,000, with an average loan value of
$261,965.
The top ALBANY - LEBANON lender as defined by loan originations is QUICKEN LOANS, LLC, with
356 loans originated. Their average total fees are
$5,833, which is $978
higher than the next largest lender,
CALIBER HOME LOANS, INC..
The lowest fee ALBANY - LEBANON lenders (with over 10 loans originated) are
KeyBank ($3,068), JPMorgan Chase Bank ($3,193), PROVIDENT FUNDING ASSOCIATES, L.P. ($3,593), Oregon State Credit Union ($3,623) and BETTER MORTGAGE CORPORATION ($3,729).
The lowest rate ALBANY - LEBANON lenders (with over 10 loans originated) are
PROVIDENT FUNDING ASSOCIATES, L.P. (2.81%), BETTER MORTGAGE CORPORATION (2.91%), BROKER SOLUTIONS, INC. (2.93%), STEARNS LENDING, LLC (2.94%) and AMERISAVE MORTGAGE CORPORATION (2.96%).
ALBANY-LEBANON, OR Lender 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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $130,850,000 | $137,395,000 | 5.0% | 7.2% |
| CALIBER HOME LOANS, INC. | $93,610,000 | $126,040,000 | 34.6% | 6.6% |
| Umpqua Bank | $79,675,000 | $101,810,000 | 27.8% | 5.3% |
| MOVEMENT MORTGAGE, LLC | $75,900,000 | $91,575,000 | 20.7% | 4.8% |
| LOANDEPOT.COM, LLC | $71,860,000 | $88,405,000 | 23.0% | 4.6% |
| FREEDOM MORTGAGE CORPORATION | $59,325,000 | $55,725,000 | -6.1% | 2.9% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $64,350,000 | $52,260,000 | -18.8% | 2.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $26,105,000 | $48,895,000 | 87.3% | 2.6% |
| GUILD MORTGAGE COMPANY | $39,595,000 | $47,575,000 | 20.2% | 2.5% |
| SUMMIT FUNDING, INC. | $16,875,000 | $41,125,000 | 143.7% | 2.1% |
| ACADEMY MORTGAGE CORPORATION | $55,765,000 | $39,835,000 | -28.6% | 2.1% |
| PENNYMAC LOAN SERVICES, LLC | $20,110,000 | $39,455,000 | 96.2% | 2.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $31,000,000 | $39,420,000 | 27.2% | 2.1% |
| KeyBank | $59,510,000 | $35,460,000 | -40.4% | 1.9% |
| Sierra Pacific Mortgage Company, Inc. | $28,655,000 | $32,430,000 | 13.2% | 1.7% |
| U.S. Bank | $36,865,000 | $31,485,000 | -14.6% | 1.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $27,400,000 | $31,000,000 | 13.1% | 1.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $12,860,000 | $29,630,000 | 130.4% | 1.5% |
| LPMC, LLC | $22,720,000 | $28,365,000 | 24.8% | 1.5% |
| MANN FINANCIAL INC. | $38,245,000 | $27,965,000 | -26.9% | 1.5% |
| Wells Fargo Bank | $20,990,000 | $23,340,000 | 11.2% | 1.2% |
| Oregon State Credit Union | $35,275,000 | $22,165,000 | -37.2% | 1.2% |
| Mortgage Research Center, LLC | $17,760,000 | $21,535,000 | 21.3% | 1.1% |
| Mr. Cooper ( Nationstar Mortgage ) | $18,195,000 | $19,700,000 | 8.3% | 1.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $2,320,000 | $19,000,000 | 719.0% | 1.0% |
| JPMorgan Chase Bank | $6,970,000 | $18,015,000 | 158.5% | 0.9% |
| NATIONS DIRECT MORTGAGE, LLC | $20,730,000 | $17,745,000 | -14.4% | 0.9% |
| HOME POINT FINANCIAL CORPORATION | $8,525,000 | $17,025,000 | 99.7% | 0.9% |
| S1L, Inc. | $530,000 | $16,635,000 | 3,038.7% | 0.9% |
| CMG MORTGAGE, INC. | $20,970,000 | $16,560,000 | -21.0% | 0.9% |
| Flagstar Bank, FSB | $26,970,000 | $16,480,000 | -38.9% | 0.9% |
| GENEVA FINANCIAL, LLC | $10,325,000 | $16,410,000 | 58.9% | 0.9% |
| DIRECTORS MORTGAGE, INC. | $16,905,000 | $16,350,000 | -3.3% | 0.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $21,415,000 | $16,310,000 | -23.8% | 0.9% |
| MORTGAGE EXPRESS, LLC | $23,150,000 | $15,840,000 | -31.6% | 0.8% |
| LAKEVIEW LOAN SERVICING, LLC | $12,155,000 | $15,655,000 | 28.8% | 0.8% |
| OREGON COMMUNITY | $19,720,000 | $15,440,000 | -21.7% | 0.8% |
| AMERISAVE MORTGAGE CORPORATION | $13,870,000 | $15,340,000 | 10.6% | 0.8% |
| FIRST TECHNOLOGY | $9,100,000 | $14,400,000 | 58.2% | 0.8% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $18,415,000 | $14,015,000 | -23.9% | 0.7% |
| NEWREZ LLC | $8,310,000 | $13,845,000 | 66.6% | 0.7% |
| BETTER MORTGAGE CORPORATION | $3,835,000 | $13,225,000 | 244.9% | 0.7% |
| CENTRAL WILLAMETTE Credit Union | $15,720,000 | $12,900,000 | -17.9% | 0.7% |
| STEARNS LENDING, LLC | $18,470,000 | $12,195,000 | -34.0% | 0.6% |
| OnPoint Community Credit Union | $4,865,000 | $11,590,000 | 138.2% | 0.6% |
| BROKER SOLUTIONS, INC. | $9,400,000 | $10,975,000 | 16.8% | 0.6% |
| Willamette Valley Bank | $15,380,000 | $9,845,000 | -36.0% | 0.5% |
| AMERICAN FINANCING CORPORATION | $5,865,000 | $9,795,000 | 67.0% | 0.5% |
| NORTHWEST COMMUNITY | $9,565,000 | $9,005,000 | -5.9% | 0.5% |
| Washington Federal Bank | $7,075,000 | $8,800,000 | 24.4% | 0.5% |
| SUN WEST MORTGAGE COMPANY, INC. | $5,765,000 | $8,430,000 | 46.2% | 0.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $4,970,000 | $8,230,000 | 65.6% | 0.4% |
| The Federal Savings Bank | $6,550,000 | $8,190,000 | 25.0% | 0.4% |
| CHURCHILL MORTGAGE CORPORATION | $5,255,000 | $7,000,000 | 33.2% | 0.4% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $960,000 | $6,565,000 | 583.9% | 0.3% |
| Mechanics Bank | $6,505,000 | n/a | 0.3% | |
| MARION AND POLK SCHOOLS CREDIT UNION | $6,840,000 | $6,340,000 | -7.3% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $7,435,000 | $6,340,000 | -14.7% | 0.3% |
| Commerce Home Mortgage, Inc. | $7,345,000 | $6,250,000 | -14.9% | 0.3% |
| Banner Bank | $1,145,000 | $6,240,000 | 445.0% | 0.3% |
| NEW DAY FINANCIAL, LLC | $4,750,000 | $6,080,000 | 28.0% | 0.3% |
| PacWest Funding Inc. | $5,100,000 | $6,020,000 | 18.0% | 0.3% |
| USAA Federal Savings Bank | $5,805,000 | $5,665,000 | -2.4% | 0.3% |
| Columbia State Bank | $11,125,000 | $5,630,000 | -49.4% | 0.3% |
| Northwest Farm Credit Services, FLCA | $8,295,000 | $5,550,000 | -33.1% | 0.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $4,585,000 | $5,275,000 | 15.0% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $4,020,000 | $5,235,000 | 30.2% | 0.3% |
| Nations Lending Corporation | $4,645,000 | $5,165,000 | 11.2% | 0.3% |
| First Republic Bank | $5,105,000 | n/a | 0.3% | |
| InterContinental Capital Group, Inc | $6,160,000 | $4,730,000 | -23.2% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $5,915,000 | $4,715,000 | -20.3% | 0.2% |
| SELCO COMMUNITY | $6,980,000 | $4,430,000 | -36.5% | 0.2% |
| Prosperity Home Mortgage, LLC | $2,560,000 | $4,415,000 | 72.5% | 0.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | $3,230,000 | $4,165,000 | 28.9% | 0.2% |
| Carrington Mortgage Services, LLC | $3,355,000 | $3,920,000 | 16.8% | 0.2% |
| RED CANOE CREDIT UNION | $5,940,000 | $3,750,000 | -36.9% | 0.2% |
| Bank of England | $1,605,000 | $3,710,000 | 131.2% | 0.2% |
| CHERRY CREEK MORTGAGE, LLC | $8,480,000 | $3,390,000 | -60.0% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $3,230,000 | $3,295,000 | 2.0% | 0.2% |
| First Interstate Bank | $335,000 | $3,250,000 | 870.1% | 0.2% |
| NBKC BANK | $2,845,000 | $3,245,000 | 14.1% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $3,625,000 | $3,195,000 | -11.9% | 0.2% |
| ZILLOW HOME LOANS, LLC | $630,000 | $3,145,000 | 399.2% | 0.2% |
| First Guaranty Mortgage Corporation | $1,170,000 | $3,125,000 | 167.1% | 0.2% |
| SWBC MORTGAGE CORPORATION | $3,045,000 | n/a | 0.2% | |
| AMERICAN ADVISORS GROUP | $2,195,000 | $3,015,000 | 37.4% | 0.2% |
| RANLIFE, INC. | $2,270,000 | $2,955,000 | 30.2% | 0.2% |
| ORIX REAL ESTATE CAPITAL, LLC | $2,785,000 | n/a | 0.1% | |
| Bank of America | $3,865,000 | $2,735,000 | -29.2% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $865,000 | $2,615,000 | 202.3% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $275,000 | $2,420,000 | 780.0% | 0.1% |
| First Federal Savings and Loan Association of Port Angeles | $2,385,000 | n/a | 0.1% | |
| SOVEREIGN LENDING GROUP INCORPORATED | $3,115,000 | $2,340,000 | -24.9% | 0.1% |
| Loan Simple, Inc. | $390,000 | $2,300,000 | 489.7% | 0.1% |
| COREVEST AMERICAN FINANCE LENDER LLC | $2,295,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $6,165,000 | $2,265,000 | -63.3% | 0.1% |
| NUMERICA CREDIT UNION | $205,000 | $2,255,000 | 1,000.0% | 0.1% |
| PLANET HOME LENDING, LLC | $2,855,000 | $2,140,000 | -25.0% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $2,120,000 | n/a | 0.1% | |
| LOANPAL, LLC | $2,750,000 | $2,080,000 | -24.4% | 0.1% |
| Unitus Community Credit Union | $2,685,000 | $2,075,000 | -22.7% | 0.1% |
| PHH Mortgage Corporation | $285,000 | $2,050,000 | 619.3% | 0.1% |
| GUARANTEED RATE, INC. | $1,655,000 | $2,030,000 | 22.7% | 0.1% |
| 1st Security Bank of Washington | $1,890,000 | $1,935,000 | 2.4% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $485,000 | $1,905,000 | 292.8% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,810,000 | $1,870,000 | 3.3% | 0.1% |
| Rivermark Community Credit Union | $1,080,000 | $1,750,000 | 62.0% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,495,000 | $1,695,000 | 13.4% | 0.1% |
| Hometown Lenders, Inc. | $620,000 | $1,675,000 | 170.2% | 0.1% |
| Strong Home Mortgage, LLC | $745,000 | $1,675,000 | 124.8% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $485,000 | $1,670,000 | 244.3% | 0.1% |
| Bank of the Pacific | $3,510,000 | $1,610,000 | -54.1% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,170,000 | $1,600,000 | 36.8% | 0.1% |
| SUMMIT MORTGAGE CORPORATION | $1,360,000 | $1,535,000 | 12.9% | 0.1% |
| AmeriHome Mortgage Company, LLC | $2,835,000 | $1,445,000 | -49.0% | 0.1% |
| KELLER MORTGAGE, LLC | $5,650,000 | $1,445,000 | -74.4% | 0.1% |
| HomeStreet Bank | $26,220,000 | $1,420,000 | -94.6% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $310,000 | $1,395,000 | 350.0% | 0.1% |
| North American Savings Bank, F.S.B. | $1,350,000 | $1,385,000 | 2.6% | 0.1% |
| REVERSE MORTGAGE FUNDING LLC | $720,000 | $1,385,000 | 92.4% | 0.1% |
| Quontic Bank | $1,375,000 | n/a | 0.1% | |
| CELEBRITY HOME LOANS, LLC | $775,000 | $1,350,000 | 74.2% | 0.1% |
| AXIA FINANCIAL, LLC | $1,045,000 | $1,345,000 | 28.7% | 0.1% |
| 21ST MORTGAGE CORPORATION | $410,000 | $1,340,000 | 226.8% | 0.1% |
| OCMBC, INC. | $255,000 | $1,320,000 | 417.6% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $1,320,000 | n/a | 0.1% | |
| Chicago Mortgage Solutions LLC | $1,310,000 | n/a | 0.1% | |
| Summit Mortgage Corporation | $375,000 | $1,270,000 | 238.7% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $1,480,000 | $1,195,000 | -19.3% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $2,200,000 | $1,165,000 | -47.0% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $1,160,000 | n/a | 0.1% | |
| MUFG Union Bank | $575,000 | $1,140,000 | 98.3% | 0.1% |
| TJC Mortgage, Inc. | $450,000 | $1,135,000 | 152.2% | 0.1% |
| LENDSURE MORTGAGE CORP. | $355,000 | $1,125,000 | 216.9% | 0.1% |
| JMAC LENDING, INC. | $1,115,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $845,000 | $1,110,000 | 31.4% | 0.1% |
| Pacific Premier Bank | $5,680,000 | $1,095,000 | -80.7% | 0.1% |
| MYCUMORTGAGE, LLC | $410,000 | $1,060,000 | 158.5% | 0.1% |
| FirstBank | $1,090,000 | $1,055,000 | -3.2% | 0.1% |
| BEST CAPITAL FUNDING | $440,000 | $1,025,000 | 133.0% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,340,000 | $1,005,000 | -25.0% | 0.1% |
| GSF Mortgage Corporation | $375,000 | $980,000 | 161.3% | 0.1% |
| INSPIRE HOME LOANS INC. | $955,000 | n/a | 0.0% | |
| People's Bank of Commerce | $955,000 | n/a | 0.0% | |
| Low VA Rates, LLC | $3,235,000 | $915,000 | -71.7% | 0.0% |
| NP, Inc. | $320,000 | $915,000 | 185.9% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $2,025,000 | $915,000 | -54.8% | 0.0% |
| Century Mortgage Company DBA Century Lending Company | $895,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $255,000 | $895,000 | 251.0% | 0.0% |
| ACCELERATE MORTGAGE, LLC | $275,000 | $885,000 | 221.8% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $745,000 | $875,000 | 17.4% | 0.0% |
| CLEARPATH LENDING | $845,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $685,000 | $835,000 | 21.9% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $480,000 | $830,000 | 72.9% | 0.0% |
| Ally Bank | $490,000 | $815,000 | 66.3% | 0.0% |
| CANOPY MORTGAGE, LLC | $470,000 | $805,000 | 71.3% | 0.0% |
| Citizens Bank | $895,000 | $780,000 | -12.8% | 0.0% |
| First Savings Bank | $1,130,000 | $750,000 | -33.6% | 0.0% |
| SOFI LENDING CORP. | $580,000 | $725,000 | 25.0% | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | $700,000 | n/a | 0.0% | |
| MOUNTAIN AMERICA | $285,000 | $695,000 | 143.9% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $800,000 | $675,000 | -15.6% | 0.0% |
| ON Q FINANCIAL, INC. | $1,870,000 | $675,000 | -63.9% | 0.0% |
| ENVOY MORTGAGE, LTD | $405,000 | $670,000 | 65.4% | 0.0% |
| IDAHO CENTRAL | $650,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $750,000 | $640,000 | -14.7% | 0.0% |
| BNC National Bank | $640,000 | $630,000 | -1.6% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $670,000 | $630,000 | -6.0% | 0.0% |
| Golden Empire Mortgage, Inc. | $615,000 | n/a | 0.0% | |
| ADVANTIS | $1,125,000 | $575,000 | -48.9% | 0.0% |
| Discover Bank | $195,000 | $560,000 | 187.2% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $705,000 | $555,000 | -21.3% | 0.0% |
| JLB CORPORATION | $735,000 | $540,000 | -26.5% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $745,000 | $540,000 | -27.5% | 0.0% |
| Amerifirst Financial, Inc. | $665,000 | $530,000 | -20.3% | 0.0% |
| Boeing Employees Credit Union | $280,000 | $525,000 | 87.5% | 0.0% |
| Stifel Bank and Trust | $490,000 | $520,000 | 6.1% | 0.0% |
| Sunflower Bank | $335,000 | $510,000 | 52.2% | 0.0% |
| Figure Lending LLC | $460,000 | $505,000 | 9.8% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $500,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $235,000 | $500,000 | 112.8% | 0.0% |
| VERITAS FUNDING, LLC | $1,250,000 | $500,000 | -60.0% | 0.0% |
| HOMESTEAD FUNDING CORP. | $485,000 | n/a | 0.0% | |
| ARC HOME LLC | $145,000 | $480,000 | 231.0% | 0.0% |
| Alaska USA Federal Credit Union | $180,000 | $475,000 | 163.9% | 0.0% |
| CAPSTONE DIRECT, INC. | $465,000 | n/a | 0.0% | |
| Manufacturers and Traders Trust Company | $460,000 | n/a | 0.0% | |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $455,000 | n/a | 0.0% | |
| Colonial Savings, F.A. | $560,000 | $435,000 | -22.3% | 0.0% |
| First Home Bank | $615,000 | $430,000 | -30.1% | 0.0% |
| SPRING EQ, LLC | $385,000 | $420,000 | 9.1% | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | $1,335,000 | $410,000 | -69.3% | 0.0% |
| LENDUS, LLC | $410,000 | n/a | 0.0% | |
| Rock Canyon Bank | $405,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $395,000 | n/a | 0.0% | |
| BELEM SERVICING LLC | $390,000 | n/a | 0.0% | |
| ALL WESTERN MORTGAGE, INC. | $385,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $545,000 | $380,000 | -30.3% | 0.0% |
| First Mortgage Solutions, LLC | $295,000 | $355,000 | 20.3% | 0.0% |
| ONY GLO, INC. | $245,000 | $355,000 | 44.9% | 0.0% |
| Baxter Credit Union | $345,000 | n/a | 0.0% | |
| Gateway First Bank | $875,000 | $345,000 | -60.6% | 0.0% |
| INTELLILOAN, INC. | $345,000 | n/a | 0.0% | |
| Citibank | $12,465,000 | $340,000 | -97.3% | 0.0% |
| Magnolia Bank | $725,000 | $335,000 | -53.8% | 0.0% |
| WESTERN EXPRESS LENDING | $335,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $325,000 | n/a | 0.0% | |
| COASTAL FUNDING SLC, INC. | $225,000 | $325,000 | 44.4% | 0.0% |
| Equity Prime Mortgage LLC | $105,000 | $325,000 | 209.5% | 0.0% |
| PREMIER LENDING, INC. | $155,000 | $325,000 | 109.7% | 0.0% |
| WASHINGTON STATE EMPLOYEES Credit Union | $155,000 | $325,000 | 109.7% | 0.0% |
| HERITAGE GROVE Federal Credit Union | $205,000 | $320,000 | 56.1% | 0.0% |
| FIBRE FEDERAL CREDIT UNION | $245,000 | $305,000 | 24.5% | 0.0% |
| First National Bank of America | $690,000 | $305,000 | -55.8% | 0.0% |
| Greenbox Loans, Inc. | $305,000 | n/a | 0.0% | |
| LENDERFI, INC. | $285,000 | $305,000 | 7.0% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $345,000 | $305,000 | -11.6% | 0.0% |
| Waterstone Mortgage Corporation | $2,685,000 | $305,000 | -88.6% | 0.0% |
| IMPAC MORTGAGE CORP. | $295,000 | n/a | 0.0% | |
| INTERCAP LENDING INC. | $295,000 | n/a | 0.0% | |
| Prime Choice Funding Inc. | $1,660,000 | $295,000 | -82.2% | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | $290,000 | n/a | 0.0% | |
| Arvest Bank | $285,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $245,000 | $285,000 | 16.3% | 0.0% |
| NEXERA HOLDING LLC | $335,000 | $285,000 | -14.9% | 0.0% |
| Paramount Bank | $285,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,365,000 | $275,000 | -79.9% | 0.0% |
| LOANSNAP, INC. | $275,000 | n/a | 0.0% | |
| CHEVRON | $265,000 | n/a | 0.0% | |
| UNITED MORTGAGE CORP. | $185,000 | $265,000 | 43.2% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $255,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $1,865,000 | $245,000 | -86.9% | 0.0% |
| FBC MORTGAGE, LLC | $235,000 | $245,000 | 4.3% | 0.0% |
| MOUNTAIN WEST FINANCIAL, INC. | $245,000 | n/a | 0.0% | |
| Alerus Financial | $235,000 | n/a | 0.0% | |
| SPOKANE TEACHERS | $235,000 | n/a | 0.0% | |
| TRISTAR FINANCE, INC. | $235,000 | n/a | 0.0% | |
| Ixonia Bank | $225,000 | n/a | 0.0% | |
| LADERA LENDING, INC. | $1,035,000 | $225,000 | -78.3% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $215,000 | n/a | 0.0% | |
| DUPACO COMMUNITY | $215,000 | n/a | 0.0% | |
| FIRST COMMUNITY | $1,710,000 | $215,000 | -87.4% | 0.0% |
| IAA Credit Union | $225,000 | $215,000 | -4.4% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $255,000 | $215,000 | -15.7% | 0.0% |
| The Bennington State Bank | $215,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $400,000 | $205,000 | -48.8% | 0.0% |
| HighTechLending Inc | $195,000 | $205,000 | 5.1% | 0.0% |
| iQ Credit Union | $55,000 | $205,000 | 272.7% | 0.0% |
| PNC Bank | $810,000 | $205,000 | -74.7% | 0.0% |
| VISION ONE MORTGAGE, INC. | $205,000 | n/a | 0.0% | |
| CHU & ASSOCIATES, INC. | $195,000 | n/a | 0.0% | |
| Goldman Sachs Bank USA | $195,000 | n/a | 0.0% | |
| Colten Mortgage, LLC | $265,000 | $185,000 | -30.2% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $185,000 | n/a | 0.0% | |
| Meridian Bank Corporation | $185,000 | n/a | 0.0% | |
| N R L Federal Credit Union | $245,000 | $185,000 | -24.5% | 0.0% |
| LENDINGONE, LLC | $175,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $175,000 | n/a | 0.0% | |
| Evolve Bank & Trust | $385,000 | $165,000 | -57.1% | 0.0% |
| First Federal Bank | $675,000 | $155,000 | -77.0% | 0.0% |
| INROADS | $155,000 | n/a | 0.0% | |
| ST FIN CORP | $155,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $155,000 | n/a | 0.0% | |
| Cache Valley Bank | $145,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $145,000 | n/a | 0.0% | |
| Plains Commerce Bank | $275,000 | $145,000 | -47.3% | 0.0% |
| TIAA, FSB | $105,000 | $145,000 | 38.1% | 0.0% |
| Bank of the West | $750,000 | $135,000 | -82.0% | 0.0% |
| First Federal | $445,000 | $135,000 | -69.7% | 0.0% |
| Utah Power | $125,000 | n/a | 0.0% | |
| Advisors Mortgage Group, L.L.C. | $115,000 | n/a | 0.0% | |
| DATA MORTGAGE, INC. | $115,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| Clackamas Federal Credit Union | $100,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $55,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $35,000 | n/a | 0.0% | |
| HAPO COMMUNITY CREDIT UNION | $35,000 | n/a | 0.0% | |
| TCF National Bank | $100,000 | $35,000 | -65.0% | 0.0% |
ALBANY - LEBANON's top lender by overall market share is QUICKEN LOANS, LLC, with 7.2% market share. In second place, with 6.6%, is CALIBER HOME LOANS, INC., having originated $126,040,000 in loans. In third place, with 5.3%, is Umpqua Bank, having originated $101,810,000 in loans. In third place, with 4.8%, is MOVEMENT MORTGAGE, LLC, having originated $91,575,000 in loans. In third place, with 4.6%, is LOANDEPOT.COM, LLC, having originated $88,405,000 in loans.
ALBANY-LEBANON, OR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 2,496 | $598,980,000 | $239,976 |
| Home Purchase | 2,369 | $761,555,000 | $321,467 |
| Cash Out Refi | 2,018 | $509,680,000 | $252,567 |
| Home Improvement | 271 | $29,335,000 | $108,247 |
| Other | 155 | $15,155,000 | $97,774 |
Albany - Lebanon's most frequently cited loan purpose was Refi, with 2,496 originations. The 2nd most popular reason was Home Purchase, with 2,369 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 2,898 | $807,970,000 | $278,803 |
| 2.5-3% | 2,842 | $741,450,000 | $260,890 |
| <2.5% | 1,153 | $287,005,000 | $248,920 |
| 4-5% | 244 | $53,430,000 | $218,975 |
| 5-6% | 62 | $8,150,000 | $131,452 |
| 6-7% | 49 | $7,075,000 | $144,388 |
| Over 8% | 41 | $7,685,000 | $187,439 |
| 7-8% | 15 | $1,155,000 | $77,000 |
During 2021, Albany - Lebanon's most frequently originated rate bucket was 3-4%, with 2,898 originations.
Loan Sizing (ALBANY-LEBANON, OR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 4,329 | $1,229,515,000 | $284,018 |
| $100k-200k | 1,731 | $271,365,000 | $156,768 |
| $400k-600k | 613 | $285,625,000 | $465,946 |
| $100,000 or less | 549 | $33,605,000 | $61,211 |
| $600k-1000k | 67 | $46,665,000 | $696,493 |
| $Over $1MM | 20 | $47,930,000 | $2,396,500 |
ALBANY - LEBANON's loan sizing saw the bucket of loans from $200k-400k with 4,329 originations, totaling $1,229,515,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 2,515 | $724,285,000 | $287,986 |
| 80-100% | 2,187 | $695,295,000 | $317,922 |
| 40-60% | 1,280 | $285,680,000 | $223,188 |
| 20-40% | 621 | $85,765,000 | $138,108 |
| Under 20% | 326 | $17,550,000 | $53,834 |
| Over 100% | 87 | $35,055,000 | $402,931 |
ALBANY - LEBANON's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 2,515 originations, totaling $724,285,000 in origination value.
