Astoria Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Astoria averaged
7.07%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7% and
one month ago for the week of 2025-05-15, the
average rate was 6.97%.
Astoria's average rate one year ago was 7.31%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.01%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Astoria 30 Year Fixed Rate | 2025-06-18 | 7.07% |
| Astoria 30 Year Fixed Rate Refi | 2025-06-18 | 7.01% |
| Astoria 15 Year Fixed Rate | 2025-06-18 | 5.76% |
| Astoria 15 Year Fixed Rate Refi | 2025-06-18 | 6.36% |
| Astoria 30 Year FHA | 2025-06-18 | 0% |
| Astoria 30 Year FHA Refi | 2025-06-18 | -0.2% |
| Astoria 30 Year USDA | 2025-06-18 | -0.1% |
| Astoria 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Astoria 30 Year VA | 2025-06-18 | 0% |
| Astoria 30 Year VA Refi | 2025-06-18 | 0.1% |
Astoria 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 Astoria, 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.).
Astoria Average Closing Costs & Other Stats
Astoria, OR's 93 lenders originated 867
loans during 2024. The total origination value was $300,675,000, with an average loan value of
$346,799.
Astoria's average closing costs are $6,669.
The top Astoria lender as defined by loan originations is Golden Empire Mortgage, Inc., with
44 loans originated. Their average total fees are
$8,335, which is $234
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Astoria lenders (with over 10 loans originated) are
U.S. Bank ($4,914), Golden Empire Mortgage, Inc. ($8,335), UNITED WHOLESALE MORTGAGE, LLC ($8,570), QUICKEN LOANS, LLC ($9,083) and GUILD MORTGAGE COMPANY ($9,133).
The lowest rate Astoria lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.47%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.65%), PANORAMA MORTGAGE GROUP, LLC (6.66%), UNITED WHOLESALE MORTGAGE, LLC (6.68%) and U.S. Bank (6.71%).
Astoria, OR 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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Golden Empire Mortgage, Inc. | $21,645,000 | $25,630,000 | 18.4% | 8.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $11,010,000 | $18,790,000 | 70.7% | 6.2% |
| QUICKEN LOANS, LLC | $11,545,000 | $14,660,000 | 27.0% | 4.9% |
| PANORAMA MORTGAGE GROUP, LLC | $6,240,000 | $11,510,000 | 84.5% | 3.8% |
| U.S. Bank | $11,690,000 | $10,665,000 | -8.8% | 3.5% |
| Umpqua Bank | $11,210,000 | $10,555,000 | -5.8% | 3.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $13,595,000 | $10,215,000 | -24.9% | 3.4% |
| FIBRE FEDERAL CREDIT UNION | $11,160,000 | $8,430,000 | -24.5% | 2.8% |
| GUILD MORTGAGE COMPANY | $9,895,000 | $8,420,000 | -14.9% | 2.8% |
| UNION HOME MORTGAGE CORP. | $4,655,000 | $7,505,000 | 61.2% | 2.5% |
| CHURCHILL MORTGAGE CORPORATION | $12,200,000 | $7,105,000 | -41.8% | 2.4% |
| Wauna Federal Credit Union | $8,375,000 | $6,385,000 | -23.8% | 2.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $5,575,000 | $5,620,000 | 0.8% | 1.9% |
| NATIONS DIRECT MORTGAGE, LLC | $7,900,000 | $5,585,000 | -29.3% | 1.9% |
| OnPoint Community Credit Union | $4,690,000 | $5,235,000 | 11.6% | 1.7% |
| Northpointe Bank | $355,000 | $4,310,000 | 1,114.1% | 1.4% |
| Bank of the Pacific | $1,770,000 | $4,150,000 | 134.5% | 1.4% |
| JPMorgan Chase Bank | $2,295,000 | $4,105,000 | 78.9% | 1.4% |
| LIMA ONE CAPITAL, LLC | $405,000 | $4,075,000 | 906.2% | 1.4% |
| LOANDEPOT.COM, LLC | $2,110,000 | $4,010,000 | 90.0% | 1.3% |
| First-Citizens Bank & Trust Company | $4,005,000 | n/a | 1.3% | |
| GUARANTEED RATE, INC. | $960,000 | $3,560,000 | 270.8% | 1.2% |
| Commerce Home Mortgage, Inc. | $8,170,000 | $3,010,000 | -63.2% | 1.0% |
| Flagstar Bank, FSB | $1,595,000 | $2,905,000 | 82.1% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $1,245,000 | $2,895,000 | 132.5% | 1.0% |
| MORTGAGE EXPRESS, LLC | $860,000 | $2,790,000 | 224.4% | 0.9% |
| Morgan Stanley Private Bank | $3,420,000 | $2,745,000 | -19.7% | 0.9% |
| CMG MORTGAGE, INC. | $1,705,000 | $2,565,000 | 50.4% | 0.9% |
| 1st Security Bank of Washington | $1,740,000 | $2,510,000 | 44.3% | 0.8% |
| PLAZA HOME MORTGAGE, INC. | $325,000 | $2,510,000 | 672.3% | 0.8% |
| USAA Federal Savings Bank | $615,000 | $2,455,000 | 299.2% | 0.8% |
| Boeing Employees Credit Union | $1,225,000 | $2,420,000 | 97.6% | 0.8% |
| OCMBC, INC. | $2,375,000 | n/a | 0.8% | |
| Banner Bank | $140,000 | $2,320,000 | 1,557.1% | 0.8% |
| GESA | $2,315,000 | n/a | 0.8% | |
| CALCON MUTUAL MORTGAGE LLC | $1,110,000 | $2,250,000 | 102.7% | 0.7% |
| The Loan Store, Inc. | $485,000 | $2,200,000 | 353.6% | 0.7% |
| Mortgage Research Center, LLC | $2,520,000 | $2,185,000 | -13.3% | 0.7% |
| NEWREZ LLC | $1,195,000 | $2,070,000 | 73.2% | 0.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $795,000 | $1,955,000 | 145.9% | 0.7% |
| Wells Fargo Bank | $4,960,000 | $1,855,000 | -62.6% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $1,415,000 | $1,830,000 | 29.3% | 0.6% |
| Washington Trust Bank | $2,435,000 | $1,755,000 | -27.9% | 0.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $3,015,000 | $1,725,000 | -42.8% | 0.6% |
| FIRST TECHNOLOGY | $1,585,000 | $1,695,000 | 6.9% | 0.6% |
| HOMEXPRESS MORTGAGE CORP. | $1,440,000 | $1,630,000 | 13.2% | 0.5% |
| DIRECTORS MORTGAGE, INC. | $1,310,000 | $1,475,000 | 12.6% | 0.5% |
| NBKC BANK | $1,435,000 | n/a | 0.5% | |
| AMERISAVE MORTGAGE CORPORATION | $740,000 | $1,355,000 | 83.1% | 0.5% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $395,000 | $1,325,000 | 235.4% | 0.4% |
| MOVEMENT MORTGAGE, LLC | $1,315,000 | n/a | 0.4% | |
| Figure Lending LLC | $190,000 | $1,270,000 | 568.4% | 0.4% |
| FREEDOM MORTGAGE CORPORATION | $295,000 | $1,215,000 | 311.9% | 0.4% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $2,535,000 | $1,185,000 | -53.3% | 0.4% |
| SUMMIT MORTGAGE CORPORATION | $920,000 | $1,150,000 | 25.0% | 0.4% |
| Rivermark Community Credit Union | $520,000 | $1,120,000 | 115.4% | 0.4% |
| NexBank | $1,100,000 | n/a | 0.4% | |
| iQ Credit Union | $75,000 | $1,095,000 | 1,360.0% | 0.4% |
| CARDINAL FINANCIAL | $1,055,000 | $1,075,000 | 1.9% | 0.4% |
| A&D Mortgage LLC | $265,000 | $1,050,000 | 296.2% | 0.3% |
| FINANCE OF AMERICA REVERSE LLC | $700,000 | $1,030,000 | 47.1% | 0.3% |
| ALLIANT CREDIT UNION | $410,000 | $1,010,000 | 146.3% | 0.3% |
| STAR ONE CREDIT UNION | $995,000 | n/a | 0.3% | |
| BMO Harris Bank | $1,480,000 | $930,000 | -37.2% | 0.3% |
| V.I.P. MORTGAGE, INC. | $915,000 | n/a | 0.3% | |
| LAKEVIEW LOAN SERVICING, LLC | $860,000 | $910,000 | 5.8% | 0.3% |
| Farmers Bank & Trust | $980,000 | $860,000 | -12.2% | 0.3% |
| SUMMIT FUNDING, INC. | $5,995,000 | $850,000 | -85.8% | 0.3% |
| Citadel Servicing Corporation | $125,000 | $840,000 | 572.0% | 0.3% |
| COLUMBIA COMMUNITY CREDIT UNION | $825,000 | n/a | 0.3% | |
| AMERICAN FINANCING CORPORATION | $755,000 | n/a | 0.3% | |
| Citibank | $755,000 | n/a | 0.3% | |
| RESIDENTIAL MORTGAGE, LLC | $755,000 | n/a | 0.3% | |
| MID AMERICA MORTGAGE, INC. | $725,000 | n/a | 0.2% | |
| Goldman Sachs Bank USA | $705,000 | n/a | 0.2% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $860,000 | $675,000 | -21.5% | 0.2% |
| GoPrime Mortgage, Inc. | $665,000 | n/a | 0.2% | |
| PHH Mortgage Corporation | $165,000 | $630,000 | 281.8% | 0.2% |
| S1L, Inc. | $235,000 | $620,000 | 163.8% | 0.2% |
| SCENIC OAKS FUNDING, INC. | $615,000 | n/a | 0.2% | |
| The Huntington National Bank | $1,340,000 | $615,000 | -54.1% | 0.2% |
| BankCherokee | $605,000 | n/a | 0.2% | |
| MASON MCDUFFIE MORTGAGE CORPORATION | $1,020,000 | $605,000 | -40.7% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $565,000 | n/a | 0.2% | |
| VILLAGE CAPITAL MORTGAGE | $575,000 | $560,000 | -2.6% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $535,000 | $555,000 | 3.7% | 0.2% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $545,000 | n/a | 0.2% | |
| RF Renovo Management Company, LLC | $545,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $530,000 | n/a | 0.2% | |
| Washington Federal Bank | $1,685,000 | $525,000 | -68.8% | 0.2% |
| Prosperity Home Mortgage, LLC | $485,000 | $515,000 | 6.2% | 0.2% |
| KeyBank | $135,000 | $510,000 | 277.8% | 0.2% |
| BAY EQUITY LLC | $505,000 | n/a | 0.2% | |
| Loan Simple, Inc. | $480,000 | n/a | 0.2% | |
| Sunflower Bank | $475,000 | n/a | 0.2% | |
| Cornerstone First Mortgage, Inc | $470,000 | n/a | 0.2% | |
| FUNDLOANS CAPITAL | $455,000 | n/a | 0.2% | |
| Magnolia Bank | $455,000 | n/a | 0.2% | |
| MYCUMORTGAGE, LLC | $455,000 | n/a | 0.2% | |
| EVANSVILLE TEACHERS | $445,000 | n/a | 0.1% | |
| Franklin Loan Corporation | $445,000 | n/a | 0.1% | |
| The Federal Savings Bank | $445,000 | n/a | 0.1% | |
| AXIA FINANCIAL, LLC | $435,000 | n/a | 0.1% | |
| Mr. Cooper ( Nationstar Mortgage ) | $490,000 | $435,000 | -11.2% | 0.1% |
| Heritage Bank | $690,000 | $405,000 | -41.3% | 0.1% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $955,000 | $405,000 | -57.6% | 0.1% |
| Truist | $405,000 | n/a | 0.1% | |
| Northwest Farm Credit Services, FLCA | $400,000 | n/a | 0.1% | |
| First National Bank of America | $395,000 | n/a | 0.1% | |
| MOUNTAIN AMERICA | $455,000 | $395,000 | -13.2% | 0.1% |
| Nations Lending Corporation | $385,000 | n/a | 0.1% | |
| INTELLILOAN, INC. | $375,000 | n/a | 0.1% | |
| RANLIFE, INC. | $355,000 | $375,000 | 5.6% | 0.1% |
| NATIONWIDE EQUITIES CORPORATION | $365,000 | n/a | 0.1% | |
| SAMMAMISH MORTGAGE COMPANY | $365,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $355,000 | n/a | 0.1% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $355,000 | n/a | 0.1% | |
| GENEVA FINANCIAL, LLC | $345,000 | n/a | 0.1% | |
| CANOPY MORTGAGE, LLC | $340,000 | n/a | 0.1% | |
| CORNERSTONE HOME LENDING, INC. | $335,000 | n/a | 0.1% | |
| Discover Bank | $660,000 | $320,000 | -51.5% | 0.1% |
| ML Mortgage Corp. | $315,000 | n/a | 0.1% | |
| Academy Bank | $2,990,000 | $305,000 | -89.8% | 0.1% |
| AMERITRUST MORTGAGE CORPORATION | $305,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $295,000 | n/a | 0.1% | |
| Sierra Pacific Mortgage Company, Inc. | $285,000 | $295,000 | 3.5% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $285,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $285,000 | n/a | 0.1% | |
| LPMC, LLC | $275,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,420,000 | $260,000 | -81.7% | 0.1% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $255,000 | n/a | 0.1% | |
| Unitus Community Credit Union | $675,000 | $255,000 | -62.2% | 0.1% |
| Equity Prime Mortgage LLC | $245,000 | n/a | 0.1% | |
| JMAC LENDING, INC. | $245,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $245,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $355,000 | $225,000 | -36.6% | 0.1% |
| FIRST COMMUNITY | $25,000 | $220,000 | 780.0% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $105,000 | $205,000 | 95.2% | 0.1% |
| Utah Power | $205,000 | n/a | 0.1% | |
| Oregon State Credit Union | $345,000 | $180,000 | -47.8% | 0.1% |
| ROGUE | $180,000 | n/a | 0.1% | |
| SIRVA MORTGAGE, INC. | $155,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $260,000 | $150,000 | -42.3% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $135,000 | n/a | 0.0% | |
| BROKER SOLUTIONS, INC. | $2,585,000 | $130,000 | -95.0% | 0.0% |
| First Interstate Bank | $125,000 | $130,000 | 4.0% | 0.0% |
| Coastal Community Bank | $160,000 | $115,000 | -28.1% | 0.0% |
| Bank of America | $300,000 | $105,000 | -65.0% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $105,000 | n/a | 0.0% | |
| SELCO COMMUNITY | $45,000 | $100,000 | 122.2% | 0.0% |
| OREGON COMMUNITY | $40,000 | $95,000 | 137.5% | 0.0% |
| GTE Federal Credit Union | $75,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $230,000 | $45,000 | -80.4% | 0.0% |
| WASHINGTON STATE EMPLOYEES Credit Union | $25,000 | n/a | 0.0% |
Astoria's top lender by overall market share is Golden Empire Mortgage, Inc., with 8.5% market share. In second place, with 6.2%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $18,790,000 in loans. In third place, with 4.9%, is QUICKEN LOANS, LLC, having originated $14,660,000 in loans. In fourth place, with 3.8%, is PANORAMA MORTGAGE GROUP, LLC, having originated $11,510,000 in loans. In fifth place, with 3.5%, is U.S. Bank, having originated $10,665,000 in loans.
Astoria, OR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 437 | $194,345,000 | $444,725 |
| Cash Out Refi | 140 | $41,250,000 | $294,643 |
| Home Improvement | 112 | $10,660,000 | $95,179 |
| Refi | 99 | $38,935,000 | $393,283 |
| Other | 79 | $15,485,000 | $196,013 |
Astoria's most frequently cited loan purpose was Home Purchase, with 437 originations. The 2nd most popular reason was Cash Out Refi, with 140 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 324 | $123,190,000 | $380,216 |
| Over 8% | 222 | $42,470,000 | $191,306 |
| 7-8% | 189 | $76,935,000 | $407,063 |
| 5-6% | 119 | $52,935,000 | $444,832 |
| 4-5% | 9 | $3,625,000 | $402,778 |
| 3-4% | 2 | $450,000 | $225,000 |
| <2.5% | 1 | $465,000 | $465,000 |
During 2024, Astoria's most frequently originated rate bucket was 6-7%, with 324 originations.
Loan Sizing (Astoria, OR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 273 | $85,475,000 | $313,095 |
| $400k-600k | 207 | $99,625,000 | $481,280 |
| $100,000 or less | 160 | $8,740,000 | $54,625 |
| $100k-200k | 127 | $17,695,000 | $139,331 |
| $600k-1000k | 75 | $53,705,000 | $716,067 |
| $Over $1MM | 25 | $35,435,000 | $1,417,400 |
Astoria's loan sizing saw the bucket of loans from $200k-400k with 273 originations, totaling $85,475,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 248 | $117,510,000 | $473,831 |
| 60-80% | 206 | $98,620,000 | $478,738 |
| Under 20% | 188 | $14,780,000 | $78,617 |
| 20-40% | 127 | $28,855,000 | $227,205 |
| 40-60% | 85 | $34,805,000 | $409,471 |
| Over 100% | 6 | $2,770,000 | $461,667 |
Astoria's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 248 originations, totaling $117,510,000 in origination value.