Astoria Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Astoria averaged 6.41% for the week of 2023-03-23, compared to the national average of 6.42% for the same period.

The average rate for the prior week (2023-03-16) was 6.59% and one month ago for the week of 2023-02-16, the average rate was 6.31%.

Astoria's average rate one year ago was 3.75%.

For refis of the same type during the week of 2023-03-23, the average rate was 6.49%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-03-23 6.42%
Astoria 30 Year Fixed Rate 2023-03-23 6.41%
Astoria 30 Year Fixed Rate Refi 2023-03-23 6.49%
Astoria 15 Year Fixed Rate 2023-03-23 6.35%
Astoria 15 Year Fixed Rate Refi 2023-03-23 6.02%
Astoria 30 Year FHA 2023-03-23 6.29%
Astoria 30 Year FHA Refi 2023-03-23 6%
Astoria 30 Year USDA 2023-03-23 5.9%
Astoria 30 Year USDA Refi 2023-03-23 6.24%
Astoria 30 Year VA 2023-03-23 6.04%
Astoria 30 Year VA Refi 2023-03-23 5.59%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Astoria, OR.

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.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 53 4.82% $8,585
Golden Empire Mortgage, Inc. 50 4.84% $6,490
QUICKEN LOANS, LLC 42 4.41% $9,765
CHURCHILL MORTGAGE CORPORATION 36 4.87% $7,025
CALIBER HOME LOANS, INC. 36 5.06% $6,435
UNITED WHOLESALE MORTGAGE, LLC 27 5.44% $7,286
Umpqua Bank 26 4.44% $8,109
Wells Fargo Bank 23 4.15% $6,427
Wauna Federal Credit Union 19 4.45% $7,748
U.S. Bank 16 4.53% $5,339
PANORAMA MORTGAGE GROUP, LLC 15 5.55% $11,299
GUILD MORTGAGE COMPANY 15 5.22% $7,675
Bank of the Pacific 14 4.39% $7,852
OnPoint Community Credit Union 13 5.08% $5,392
ACADEMY MORTGAGE CORPORATION 12 4.94% $5,577
HOME POINT FINANCIAL CORPORATION 11 3.93% $6,052
SUMMIT FUNDING, INC. 11 4.85% $10,851
LOANDEPOT.COM, LLC 10 3.65% $7,548
PENNYMAC LOAN SERVICES, LLC 8 4.36% $8,538
Mr. Cooper ( Nationstar Mortgage ) 8 4.03% $9,655
CMG MORTGAGE, INC. 8 3.78% $7,183
Bank of America 7 3.95% $10,231
Flagstar Bank, FSB 7 4.24% $8,298
Columbia State Bank 6 4.29% $4,256
CROSSCOUNTRY MORTGAGE, LLC 6 5.22% $10,892
FINANCE OF AMERICA MORTGAGE LLC 6 4.61% $5,651
FREEDOM MORTGAGE CORPORATION 5 3.63% $7,310
ADVANTIS 5 4.85% $6,116
FIBRE FEDERAL CREDIT UNION 5 5.25% $5,629
SUMMIT MORTGAGE CORPORATION 5 4.90% $6,225
BROKER SOLUTIONS, INC. 4 5.68% $5,649
Hometown Lenders, Inc. 4 6.28% $7,775
KeyBank 4 3.75% $7,750
NATIONS DIRECT MORTGAGE, LLC 4 5.09% $8,316
DIRECTORS MORTGAGE, INC. 4 6.15% $9,430
BETTER MORTGAGE CORPORATION 4 5.22% $10,841
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 4.75% $6,024
NAVY FEDERAL CREDIT UNION 3 3.54% $4,939
Bank of the West 3 4.17% $6,485
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 3 6.08% $9,505
PROVIDENT FUNDING ASSOCIATES, L.P. 3 5.00% $7,940
Sierra Pacific Mortgage Company, Inc. 3 6.42% $7,903
Truist 3 4.66% $5,698
Washington Federal Bank 3 5.96% $13,309
Willamette Valley Bank 3 4.25% $10,663
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 4.58% $10,530
CANOPY MORTGAGE, LLC 3 5.58% $8,931
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3 6.71% $7,522
JPMorgan Chase Bank 3 5.42% $11,526
Carrington Mortgage Services, LLC 3 6.25% $10,961
Morgan Stanley Private Bank 3 5.11% $3,915
Academy Bank 2 4.81% $6,050
SAMMAMISH MORTGAGE COMPANY 2 3.69% $2,722
Rivermark Community Credit Union 2 4.00% $3,049
PRIORITY HOME LENDING, LLC 2 5.31% $12,103
HOMEXPRESS MORTGAGE CORP. 2 6.00% $10,564
MOVEMENT MORTGAGE, LLC 2 5.87% $4,001
Bank of England 2 4.94% $5,895
NEWREZ LLC 2 3.31% $7,642
Paramount Residential Mortgage Group, Inc. 2 4.81% $6,482
NBKC BANK 2 4.56% $2,523
PACIFIC RESIDENTIAL MORTGAGE, LLC 2 5.75% $4,825
CHERRY CREEK MORTGAGE, LLC 2 5.44% $1,050
OREGON COMMUNITY 2 5.06% $6,148
MASON MCDUFFIE MORTGAGE CORPORATION 2 4.56% $5,849
MUTUAL OF OMAHA MORTGAGE, INC. 2 5.00% $5,490
GUARANTEED RATE, INC. 2 5.27% $5,281
Citadel Servicing Corporation 2 7.12% $16,382
AMERISAVE MORTGAGE CORPORATION 2 4.56% $4,395
GENEVA FINANCIAL, LLC 2 5.44% $9,407
FIRST TECHNOLOGY 2 3.00% $6,475
Cornerstone First Mortgage, Inc 2 6.63% $8,771
First Republic Bank 2 2.73% $7,967
1st Security Bank of Washington 2 4.44% $8,759
Zions Bancorporation, N.A. 1 2.50% $8,247
AMERICAN FINANCING CORPORATION 1 3.88% $5,864
AMERICAN INTERNET MORTGAGE, INC. 1 4.75% $6,082
ARC HOME LLC 1 6.75% $9,901
AXIA FINANCIAL, LLC 1 5.50% $22,103
BLUELEAF LENDING, LLC 1 2.75% $18,048
Boeing Employees Credit Union 1 5.50% $10,697
Citibank 1 4.13% $6,226
City National Bank 1 2.92% $5,559
COLUMBIA COMMUNITY CREDIT UNION 1 3.88% $3,091
Commerce Home Mortgage, Inc. 1 5.63% $4,101
Consolidated Federal Credit Union 1 4.75% $20,532
DEEPHAVEN MORTGAGE LLC 1 5.88% $7,260
First-Citizens Bank & Trust Company 1 6.03% $4,983
First Guaranty Mortgage Corporation 1 4.50% $8,611
GSF Mortgage Corporation 1 5.75% $15,304
HighTechLending Inc 1 5.25% $6,009
HOMESIDE FINANCIAL, LLC 1 6.63% $10,013
INROADS 1 5.88% $9,871
JLB CORPORATION 1 5.38% $10,931
LAKEVIEW LOAN SERVICING, LLC 1 4.99% $5,819
Loan Simple, Inc. 1 4.25% $8,901
MANN FINANCIAL INC. 1 3.38% $9,086
MORTGAGE EXPRESS, LLC 1 5.63% $9,666
Mortgage Research Center, LLC 1 5.63% $10,245
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 5.63% $10,135
M&T Bank 1 5.88% $5,349
MUFG Union Bank 1 4.50% $4,436
NBH Bank 1 5.38% $4,379
NFM, INC. 1 6.13% $5,092
North American Savings Bank, F.S.B. 1 5.38% $2,146
NUMERICA CREDIT UNION 1 3.25% $5,177
PENTAGON FEDERAL CREDIT UNION 1 2.88% $2,547
PHH Mortgage Corporation 1 3.00% $5,263
PREMIER MORTGAGE RESOURCES, L.L.C. 1 3.50% $4,027
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.38% $6,999
RED CANOE CREDIT UNION 1 3.88% $4,565
RELIANCE FIRST CAPITAL, LLC 1 5.63% $9,828
S1L, Inc. 1 6.75% $20,553
SOFI LENDING CORP. 1 3.00% $4,653
STEARNS LENDING, LLC 1 3.50% $3,624
Stifel Bank and Trust 1 2.63% $4,261
SUN WEST MORTGAGE COMPANY, INC. 1 2.99% $9,254
The Federal Savings Bank 1 6.00% $6,633
The Huntington National Bank 1 5.38% $9,934
THRIVENT Federal Credit Union 1 3.88% $7,308
Toyota Financial Savings Bank 1 4.75% $4,783
UBS Bank USA 1 2.75% $10,556
USAA Federal Savings Bank 1 7.50% $6,656
Wheatland Bank 1 3.50% $9,417
Wyndham Capital Mortgage, Inc. 1 4.75% $11,968

Astoria Average Closing Costs & Other Stats

Astoria, OR's 125 lenders originated 1,407 loans during 2022. The total origination value was $499,705,000, with an average loan value of $355,156.

Astoria's average closing costs are $6,116.

The top Astoria lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 53 loans originated. Their average total fees are $8,585, which is $2,095 higher than the next largest lender, Golden Empire Mortgage, Inc..

The lowest fee Astoria lenders (with over 10 loans originated) are U.S. Bank ($5,339), OnPoint Community Credit Union ($5,392), ACADEMY MORTGAGE CORPORATION ($5,577), HOME POINT FINANCIAL CORPORATION ($6,052) and Wells Fargo Bank ($6,427).

The lowest rate Astoria lenders (with over 10 loans originated) are LOANDEPOT.COM, LLC (3.65%), HOME POINT FINANCIAL CORPORATION (3.93%), Wells Fargo Bank (4.15%), Bank of the Pacific (4.39%) and QUICKEN LOANS, LLC (4.41%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $54,655,000 $32,120,000 -41.2% 6.4%
Golden Empire Mortgage, Inc. $40,985,000 $25,100,000 -38.8% 5.0%
QUICKEN LOANS, LLC $52,755,000 $22,670,000 -57.0% 4.5%
U.S. Bank $40,695,000 $21,510,000 -47.1% 4.3%
Umpqua Bank $41,865,000 $20,905,000 -50.1% 4.2%
CALIBER HOME LOANS, INC. $38,310,000 $20,045,000 -47.7% 4.0%
Bank of the Pacific $17,915,000 $19,190,000 7.1% 3.8%
CHURCHILL MORTGAGE CORPORATION $28,225,000 $18,415,000 -34.8% 3.7%
UNITED WHOLESALE MORTGAGE, LLC $35,830,000 $16,615,000 -53.6% 3.3%
Wauna Federal Credit Union $19,220,000 $13,795,000 -28.2% 2.8%
Wells Fargo Bank $20,210,000 $13,035,000 -35.5% 2.6%
Heritage Bank $11,605,000 n/a 2.3%
FIBRE FEDERAL CREDIT UNION $10,040,000 $11,495,000 14.5% 2.3%
ACADEMY MORTGAGE CORPORATION $17,195,000 $8,775,000 -49.0% 1.8%
GUILD MORTGAGE COMPANY $18,590,000 $8,455,000 -54.5% 1.7%
PANORAMA MORTGAGE GROUP, LLC $3,025,000 $7,855,000 159.7% 1.6%
Bank of America $3,150,000 $7,595,000 141.1% 1.5%
SUMMIT FUNDING, INC. $10,830,000 $6,535,000 -39.7% 1.3%
OnPoint Community Credit Union $14,755,000 $6,400,000 -56.6% 1.3%
Mortgage Research Center, LLC $6,485,000 $5,620,000 -13.3% 1.1%
Washington Federal Bank $1,850,000 $5,620,000 203.8% 1.1%
First Republic Bank $3,840,000 $5,380,000 40.1% 1.1%
LOANDEPOT.COM, LLC $16,025,000 $5,275,000 -67.1% 1.1%
Grandbridge Real Estate Capital LLC $5,015,000 n/a 1.0%
PENNYMAC LOAN SERVICES, LLC $10,355,000 $4,960,000 -52.1% 1.0%
HomeStreet Bank $1,190,000 $4,800,000 303.4% 1.0%
HOME POINT FINANCIAL CORPORATION $7,185,000 $4,390,000 -38.9% 0.9%
Columbia State Bank $11,525,000 $4,325,000 -62.5% 0.9%
CMG MORTGAGE, INC. $5,970,000 $4,160,000 -30.3% 0.8%
NAVY FEDERAL CREDIT UNION $4,360,000 $4,065,000 -6.8% 0.8%
Flagstar Bank, FSB $4,480,000 $4,025,000 -10.2% 0.8%
KeyBank $7,255,000 $4,015,000 -44.7% 0.8%
FREEDOM MORTGAGE CORPORATION $16,705,000 $3,895,000 -76.7% 0.8%
Citadel Servicing Corporation $3,720,000 $3,440,000 -7.5% 0.7%
Pacific Premier Bank $1,595,000 $3,345,000 109.7% 0.7%
FINANCE OF AMERICA MORTGAGE LLC $9,560,000 $3,335,000 -65.1% 0.7%
Commerce Home Mortgage, Inc. $4,170,000 $3,230,000 -22.5% 0.6%
SUMMIT MORTGAGE CORPORATION $3,160,000 $2,905,000 -8.1% 0.6%
ADVANTIS $4,130,000 $2,695,000 -34.7% 0.5%
UBS Bank USA $2,605,000 n/a 0.5%
JPMorgan Chase Bank $9,600,000 $2,520,000 -73.8% 0.5%
CROSSCOUNTRY MORTGAGE, LLC $6,155,000 $2,460,000 -60.0% 0.5%
NATIONS DIRECT MORTGAGE, LLC $7,985,000 $2,355,000 -70.5% 0.5%
BROKER SOLUTIONS, INC. $4,590,000 $2,345,000 -48.9% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $5,800,000 $2,335,000 -59.7% 0.5%
HOMEBRIDGE FINANCIAL SERVICES, INC. $11,365,000 $2,295,000 -79.8% 0.5%
Truist $595,000 $2,175,000 265.5% 0.4%
DIRECTORS MORTGAGE, INC. $12,835,000 $2,050,000 -84.0% 0.4%
FINANCE OF AMERICA REVERSE LLC $1,515,000 $2,040,000 34.7% 0.4%
Morgan Stanley Private Bank $6,145,000 $2,015,000 -67.2% 0.4%
Carrington Mortgage Services, LLC $730,000 $1,995,000 173.3% 0.4%
MUTUAL OF OMAHA MORTGAGE, INC. $860,000 $1,910,000 122.1% 0.4%
Hometown Lenders, Inc. $2,555,000 $1,895,000 -25.8% 0.4%
BETTER MORTGAGE CORPORATION $5,330,000 $1,890,000 -64.5% 0.4%
USAA Federal Savings Bank $2,395,000 $1,890,000 -21.1% 0.4%
AMERISAVE MORTGAGE CORPORATION $4,650,000 $1,770,000 -61.9% 0.4%
Unitus Community Credit Union $2,590,000 $1,735,000 -33.0% 0.3%
GUARANTEED RATE, INC. $3,840,000 $1,720,000 -55.2% 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,530,000 $1,685,000 -33.4% 0.3%
OREGON COMMUNITY $455,000 $1,665,000 265.9% 0.3%
CANOPY MORTGAGE, LLC $3,655,000 $1,650,000 -54.9% 0.3%
AMERICAN ADVISORS GROUP $1,370,000 $1,640,000 19.7% 0.3%
LONGBRIDGE FINANCIAL, LLC $700,000 $1,615,000 130.7% 0.3%
CIVIC FINANCIAL SERVICES, LLC $625,000 $1,610,000 157.6% 0.3%
REVERSE MORTGAGE FUNDING LLC $265,000 $1,545,000 483.0% 0.3%
Bank of the West $3,010,000 $1,500,000 -50.2% 0.3%
LENDSURE MORTGAGE CORP. $1,415,000 n/a 0.3%
FIRST TECHNOLOGY $3,630,000 $1,410,000 -61.2% 0.3%
Merchants Mortgage & Trust Corporation $1,395,000 n/a 0.3%
Consolidated Federal Credit Union $1,305,000 n/a 0.3%
Citibank $1,990,000 $1,265,000 -36.4% 0.3%
Bank of England $765,000 $1,260,000 64.7% 0.3%
Willamette Valley Bank $1,245,000 $1,235,000 -0.8% 0.2%
VERITAS FUNDING, LLC $865,000 $1,175,000 35.8% 0.2%
The Huntington National Bank $505,000 $1,125,000 122.8% 0.2%
Academy Bank $1,115,000 n/a 0.2%
DEEPHAVEN MORTGAGE LLC $1,105,000 n/a 0.2%
MOVEMENT MORTGAGE, LLC $4,195,000 $1,095,000 -73.9% 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,515,000 $1,085,000 -28.4% 0.2%
City National Bank $840,000 $1,040,000 23.8% 0.2%
Banner Bank $2,215,000 $1,020,000 -54.0% 0.2%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $2,440,000 $1,015,000 -58.4% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $335,000 $995,000 197.0% 0.2%
Wyndham Capital Mortgage, Inc. $305,000 $970,000 218.0% 0.2%
Sierra Pacific Mortgage Company, Inc. $2,590,000 $945,000 -63.5% 0.2%
LAKEVIEW LOAN SERVICING, LLC $3,425,000 $935,000 -72.7% 0.2%
Nations Lending Corporation $740,000 $920,000 24.3% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,075,000 $905,000 -56.4% 0.2%
The Federal Savings Bank $3,235,000 $900,000 -72.2% 0.2%
AMERICAN INTERNET MORTGAGE, INC. $1,155,000 $890,000 -22.9% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $875,000 $870,000 -0.6% 0.2%
MASON MCDUFFIE MORTGAGE CORPORATION $1,215,000 $860,000 -29.2% 0.2%
1st Security Bank of Washington $1,355,000 $830,000 -38.7% 0.2%
iQ Credit Union $1,345,000 $830,000 -38.3% 0.2%
SAMMAMISH MORTGAGE COMPANY $615,000 $830,000 35.0% 0.2%
PENTAGON FEDERAL CREDIT UNION $500,000 $800,000 60.0% 0.2%
NEWREZ LLC $3,815,000 $795,000 -79.2% 0.2%
Paramount Residential Mortgage Group, Inc. $1,705,000 $785,000 -54.0% 0.2%
Boeing Employees Credit Union $2,610,000 $765,000 -70.7% 0.2%
Equity Prime Mortgage LLC $760,000 n/a 0.2%
Charles Schwab Bank, SSB $735,000 $755,000 2.7% 0.2%
First-Citizens Bank & Trust Company $735,000 n/a 0.1%
Stifel Bank and Trust $2,650,000 $725,000 -72.6% 0.1%
Cornerstone First Mortgage, Inc $730,000 $720,000 -1.4% 0.1%
GENEVA FINANCIAL, LLC $475,000 $720,000 51.6% 0.1%
PHH Mortgage Corporation $1,940,000 $720,000 -62.9% 0.1%
Texana Bank $720,000 n/a 0.1%
NBKC BANK $670,000 $690,000 3.0% 0.1%
AXIA FINANCIAL, LLC $225,000 $665,000 195.6% 0.1%
MANN FINANCIAL INC. $2,655,000 $660,000 -75.1% 0.1%
HomePromise Corporation $645,000 n/a 0.1%
AMERICAN HERITAGE LENDING, INC. $635,000 n/a 0.1%
Wheatland Bank $635,000 n/a 0.1%
INROADS $845,000 $630,000 -25.4% 0.1%
PNC Bank $1,270,000 $605,000 -52.4% 0.1%
First Federal $585,000 n/a 0.1%
S1L, Inc. $1,405,000 $575,000 -59.1% 0.1%
Rivermark Community Credit Union $1,115,000 $555,000 -50.2% 0.1%
BLUELEAF LENDING, LLC $545,000 n/a 0.1%
GTE Federal Credit Union $540,000 n/a 0.1%
BNC National Bank $535,000 n/a 0.1%
CIBC Bank USA $525,000 n/a 0.1%
HighTechLending Inc $525,000 n/a 0.1%
NUMERICA CREDIT UNION $525,000 n/a 0.1%
HOMEXPRESS MORTGAGE CORP. $1,020,000 $520,000 -49.0% 0.1%
PACIFIC RESIDENTIAL MORTGAGE, LLC $3,565,000 $520,000 -85.4% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $225,000 $510,000 126.7% 0.1%
SPRING EQ, LLC $510,000 n/a 0.1%
Loan Simple, Inc. $505,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $225,000 $500,000 122.2% 0.1%
IDAHO STATE UNIVERSITY $485,000 n/a 0.1%
Low VA Rates, LLC $375,000 $485,000 29.3% 0.1%
PRIORITY HOME LENDING, LLC $545,000 $480,000 -11.9% 0.1%
NEW DAY FINANCIAL, LLC $1,060,000 $465,000 -56.1% 0.1%
Barrington Bank & Trust Company, N.A. $590,000 $445,000 -24.6% 0.1%
THE MORTGAGE COMPANY $730,000 $445,000 -39.0% 0.1%
First Guaranty Mortgage Corporation $1,000,000 $435,000 -56.5% 0.1%
Bethpage Federal Credit Union $430,000 n/a 0.1%
COLUMBIA COMMUNITY CREDIT UNION $960,000 $430,000 -55.2% 0.1%
SOFI LENDING CORP. $425,000 n/a 0.1%
Gallic & Johnson, LLC $415,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $415,000 n/a 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $485,000 $405,000 -16.5% 0.1%
AMERICAN FINANCING CORPORATION $1,670,000 $400,000 -76.0% 0.1%
Toyota Financial Savings Bank $395,000 n/a 0.1%
ADVANCIAL $385,000 n/a 0.1%
First Interstate Bank $2,640,000 $385,000 -85.4% 0.1%
North American Savings Bank, F.S.B. $1,860,000 $385,000 -79.3% 0.1%
CHERRY CREEK MORTGAGE, LLC $1,475,000 $380,000 -74.2% 0.1%
MUFG Union Bank $600,000 $380,000 -36.7% 0.1%
GSF Mortgage Corporation $495,000 $375,000 -24.2% 0.1%
THRIVENT Federal Credit Union $375,000 n/a 0.1%
Zions Bancorporation, N.A. $370,000 n/a 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $1,195,000 $365,000 -69.5% 0.1%
NFM, INC. $740,000 $355,000 -52.0% 0.1%
JLB CORPORATION $235,000 $345,000 46.8% 0.1%
MORTGAGE EXPRESS, LLC $6,095,000 $345,000 -94.3% 0.1%
RED CANOE CREDIT UNION $345,000 n/a 0.1%
NBH Bank $335,000 n/a 0.1%
STEARNS LENDING, LLC $575,000 $325,000 -43.5% 0.1%
ARC HOME LLC $375,000 $285,000 -24.0% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $740,000 $275,000 -62.8% 0.1%
ALL REVERSE MORTGAGE, INC. $265,000 n/a 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $4,425,000 $265,000 -94.0% 0.1%
EAST IDAHO Credit Union $255,000 n/a 0.1%
TEMPLE VIEW CAPITAL FUNDING, LP $255,000 n/a 0.1%
Washington Trust Bank $705,000 $255,000 -63.8% 0.1%
Axos Bank $565,000 $245,000 -56.6% 0.0%
MARION AND POLK SCHOOLS CREDIT UNION $245,000 n/a 0.0%
Citizens Bank $570,000 $225,000 -60.5% 0.0%
Sound Community Bank $205,000 n/a 0.0%
FIRST ALLIANCE HOME MORTGAGE, LLC $195,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $190,000 n/a 0.0%
Figure Lending LLC $205,000 $170,000 -17.1% 0.0%
M&T Bank $165,000 n/a 0.0%
VILLAGE CAPITAL MORTGAGE $1,090,000 $165,000 -84.9% 0.0%
Advisors Mortgage Group, L.L.C. $165,000 $155,000 -6.1% 0.0%
SOUND $155,000 n/a 0.0%
OPEN MORTGAGE, LLC $225,000 $145,000 -35.6% 0.0%
Superior Credit Union, Inc. $1,035,000 $135,000 -87.0% 0.0%
KaiPrm NWFCU $125,000 n/a 0.0%
Oregon State Credit Union $465,000 $115,000 -75.3% 0.0%
ALLIANT CREDIT UNION $255,000 $105,000 -58.8% 0.0%
PacWest Funding Inc. $115,000 $105,000 -8.7% 0.0%
ROGUE $35,000 $105,000 200.0% 0.0%
Discover Bank $45,000 $85,000 88.9% 0.0%
BayCoast Bank $80,000 n/a 0.0%
UNIVERSITY CREDIT UNION $75,000 n/a 0.0%
AFFINITY $55,000 n/a 0.0%
OREGONIANS CREDIT UNION $55,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $55,000 n/a 0.0%
21ST MORTGAGE CORPORATION $35,000 $45,000 28.6% 0.0%
GREENWOOD $45,000 n/a 0.0%

Astoria's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 6.4% market share. In second place, with 5.0%, is Golden Empire Mortgage, Inc., having originated $25,100,000 in loans. In third place, with 4.5%, is QUICKEN LOANS, LLC, having originated $22,670,000 in loans. In fourth place, with 4.3%, is U.S. Bank, having originated $21,510,000 in loans. In fifth place, with 4.2%, is Umpqua Bank, having originated $20,905,000 in loans.


Astoria Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Astoria (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 $372,238 (0.5%) $521,807 (6.7%) 0.00 303
2018-02-01 $371,950 (3.7%) $521,857 (10.9%) 0.00 303
2018-03-01 $399,000 (12.5%) $562,813 (16.2%) 0.00 314
2018-04-01 $424,500 (17.9%) $563,682 (11.9%) 0.00 326
2018-05-01 $444,000 (27.1%) $562,545 (15.4%) 0.00 352
2018-06-01 $435,000 (23.5%) $546,302 (8.9%) 0.00 370
2018-07-01 $432,125 (20.5%) $540,170 (4.6%) 0.00 390
2018-08-01 $437,225 (21.5%) $554,810 (6.1%) 0.00 375
2018-09-01 $438,500 (19.2%) $560,345 (9.3%) 0.00 361
2018-10-01 $417,500 (11.3%) $550,996 (6.0%) 0.00 350
2018-11-01 $410,000 (10.2%) $557,323 (5.1%) 0.00 314
2018-12-01 $412,000 (9.9%) $566,325 (6.8%) 0.00 292
2019-01-01 $416,450 (11.9%) $556,221 (6.6%) 0.00 258
2019-02-01 $434,500 (16.8%) $570,116 (9.3%) 0.00 251
2019-03-01 $448,621 (12.4%) $581,181 (3.3%) 0.00 262
2019-04-01 $460,225 (8.4%) $589,197 (4.5%) 0.00 289
2019-05-01 $463,675 (4.4%) $611,300 (8.7%) 0.00 314
2019-06-01 $459,000 (5.5%) $618,907 (13.3%) 0.00 337
2019-07-01 $458,000 (6.0%) $599,853 (11.1%) 0.00 356
2019-08-01 $456,395 (4.4%) $608,630 (9.7%) 0.00 336
2019-09-01 $452,489 (3.2%) $618,005 (10.3%) 0.00 308
2019-10-01 $449,884 (7.8%) $624,255 (13.3%) 0.00 288
2019-11-01 $449,450 (9.6%) $627,259 (12.6%) 0.00 260
2019-12-01 $445,725 (8.2%) $619,941 (9.5%) 0.00 248
2020-01-01 $440,713 (5.8%) $606,920 (9.1%) 0.00 220
2020-02-01 $430,000 (-1.0%) $595,216 (4.4%) 0.00 217
2020-03-01 $436,750 (-2.7%) $586,380 (0.9%) 0.00 237
2020-04-01 $439,250 (-4.6%) $603,533 (2.4%) 0.00 240
2020-05-01 $435,000 (-6.2%) $603,347 (-1.3%) 0.00 232
2020-06-01 $437,625 (-4.7%) $619,157 (0.0%) 0.00 216
2020-07-01 $439,000 (-4.2%) $609,459 (1.6%) 0.00 195
2020-08-01 $450,000 (-1.4%) $636,560 (4.6%) 0.00 171
2020-09-01 $428,000 (-5.4%) $604,082 (-2.3%) 0.00 149
2020-10-01 $428,000 (-4.9%) $618,009 (-1.0%) 0.00 120
2020-11-01 $434,750 (-3.3%) $631,031 (0.6%) 0.00 102
2020-12-01 $428,000 (-4.0%) $653,165 (5.4%) 0.00 89
2021-01-01 $466,000 (5.7%) $686,477 (13.1%) 0.00 92
2021-02-01 $489,000 (13.7%) $688,215 (15.6%) 0.00 77
2021-03-01 $496,425 (13.7%) $695,276 (18.6%) 0.00 72
2021-04-01 $508,075 (15.7%) $671,669 (11.3%) 0.00 63
2021-05-01 $575,450 (32.3%) $693,468 (14.9%) 0.00 81
2021-06-01 $560,350 (28.0%) $695,904 (12.4%) 0.00 112
2021-07-01 $572,400 (30.4%) $730,707 (19.9%) 0.00 120
2021-08-01 $585,000 (30.0%) $749,766 (17.8%) 0.00 127
2021-09-01 $612,608 (43.1%) $800,477 (32.5%) 0.00 124
2021-10-01 $599,000 (40.0%) $802,436 (29.8%) 0.00 103
2021-11-01 $591,225 (36.0%) $775,111 (22.8%) 0.00 92
2021-12-01 $561,750 (31.3%) $711,789 (9.0%) 0.00 89
2022-01-01 $549,900 (18.0%) $708,450 (3.2%) 0.00 70
2022-02-01 $587,000 (20.0%) $768,617 (11.7%) 0.00 72
2022-03-01 $589,000 (18.7%) $782,552 (12.6%) 0.00 67
2022-04-01 $615,000 (21.1%) $802,974 (19.6%) 0.00 87
2022-05-01 $642,000 (11.6%) $793,903 (14.5%) 0.00 119
2022-06-01 $629,000 (12.3%) $768,008 (10.4%) 0.00 150
2022-07-01 $619,000 (8.1%) $757,551 (3.7%) 0.00 176
2022-08-01 $624,000 (6.7%) $775,966 (3.5%) 0.00 172
2022-09-01 $619,000 (1.0%) $787,605 (-1.6%) 0.00 171
2022-10-01 $599,000 (0.0%) $743,382 (-7.4%) 0.00 176
2022-11-01 $599,000 (1.3%) $729,400 (-5.9%) 0.00 174
2022-12-01 $623,000 (10.9%) $719,695 (1.1%) 0.00 133
2023-01-01 $605,725 (10.2%) $669,788 (-5.5%) 0.00 128
2023-02-01 $614,338 (4.7%) $684,923 (-10.9%) 0.00 116
Astoria's median listing price for 2023-02-01 was $614,338, a difference of $27,338 (4.7%) versus the prior year and $8,613 versus the prior month.

Astoria's median listing price comes in at 0% of the national average.

Astoria's average listing price for 2023-02-01 was $684,923, a difference of $-83,694 (-10.9%) versus the prior year and $15,135 versus the prior month.

For the 2023-02-01 period, Astoria had 116 MLS listings, a difference of -12 listings (-9%) versus the prior month and 44 listings (61%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Astoria (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,740 sqft
2018-02-01 0 days 1,851 sqft
2018-03-01 0 days 1,877 sqft
2018-04-01 0 days 1,878 sqft
2018-05-01 0 days 1,926 sqft
2018-06-01 0 days 1,960 sqft
2018-07-01 0 days 1,951 sqft
2018-08-01 0 days 2,012 sqft
2018-09-01 0 days 2,000 sqft
2018-10-01 0 days 1,923 sqft
2018-11-01 0 days 1,881 sqft
2018-12-01 0 days 1,791 sqft
2019-01-01 0 days 1,779 sqft
2019-02-01 0 days 1,872 sqft
2019-03-01 0 days 1,897 sqft
2019-04-01 0 days 1,920 sqft
2019-05-01 0 days 1,910 sqft
2019-06-01 0 days 1,922 sqft
2019-07-01 0 days 1,914 sqft
2019-08-01 0 days 1,943 sqft
2019-09-01 0 days 1,973 sqft
2019-10-01 0 days 1,994 sqft
2019-11-01 0 days 2,033 sqft
2019-12-01 0 days 2,046 sqft
2020-01-01 0 days 2,057 sqft
2020-02-01 0 days 1,936 sqft
2020-03-01 0 days 1,922 sqft
2020-04-01 0 days 1,936 sqft
2020-05-01 0 days 1,908 sqft
2020-06-01 0 days 1,889 sqft
2020-07-01 0 days 1,888 sqft
2020-08-01 0 days 1,991 sqft
2020-09-01 0 days 1,898 sqft
2020-10-01 0 days 1,819 sqft
2020-11-01 0 days 1,829 sqft
2020-12-01 0 days 1,762 sqft
2021-01-01 0 days 1,771 sqft
2021-02-01 0 days 1,764 sqft
2021-03-01 0 days 1,756 sqft
2021-04-01 0 days 1,847 sqft
2021-05-01 0 days 1,970 sqft
2021-06-01 0 days 1,893 sqft
2021-07-01 0 days 1,898 sqft
2021-08-01 0 days 1,862 sqft
2021-09-01 0 days 1,857 sqft
2021-10-01 0 days 1,854 sqft
2021-11-01 0 days 1,792 sqft
2021-12-01 0 days 1,710 sqft
2022-01-01 0 days 1,704 sqft
2022-02-01 0 days 1,782 sqft
2022-03-01 0 days 1,921 sqft
2022-04-01 0 days 1,805 sqft
2022-05-01 0 days 1,917 sqft
2022-06-01 0 days 1,903 sqft
2022-07-01 0 days 1,806 sqft
2022-08-01 0 days 1,790 sqft
2022-09-01 0 days 1,829 sqft
2022-10-01 0 days 1,766 sqft
2022-11-01 0 days 1,745 sqft
2022-12-01 0 days 1,742 sqft
2023-01-01 0 days 1,750 sqft
2023-02-01 0 days 1,763 sqft
Astoria's median listing age (time on market) for 2023-02-01 was 0 days.

Astoria's median square footage for active listings during the 2023-02-01 period was 1,763 sqft. One year prior, the average listing was 1,782 sqft.

Astoria, OR Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 634 $293,980,000 $463,691
Cash Out Refi 288 $97,250,000 $337,674
Refi 228 $62,500,000 $274,123
Home Improvement 140 $21,320,000 $152,286
Other 117 $24,655,000 $210,726

Astoria's most frequently cited loan purpose was Home Purchase, with 634 originations. The 2nd most popular reason was Cash Out Refi, with 288 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 361 $133,425,000 $369,598
3-4% 348 $123,410,000 $354,626
4-5% 308 $104,850,000 $340,422
6-7% 152 $46,900,000 $308,553
2.5-3% 110 $53,450,000 $485,909
7-8% 61 $18,215,000 $298,607
Over 8% 36 $8,550,000 $237,500
<2.5% 30 $10,320,000 $344,000

During 2022, Astoria's most frequently originated rate bucket was 5-6%, with 361 originations.

Loan Sizing (Astoria, OR MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 567 $171,185,000 $301,914
$400k-600k 325 $154,715,000 $476,046
$100k-200k 210 $30,960,000 $147,429
$100,000 or less 184 $11,110,000 $60,380
$600k-1000k 95 $67,105,000 $706,368
$Over $1MM 26 $64,630,000 $2,485,769

Astoria's loan sizing saw the bucket of loans from $200k-400k with 567 originations, totaling $171,185,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 404 $191,410,000 $473,787
80-100% 336 $157,370,000 $468,363
40-60% 245 $88,785,000 $362,388
20-40% 204 $38,470,000 $188,578
Under 20% 197 $14,645,000 $74,340
Over 100% 14 $6,550,000 $467,857

Astoria's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 404 originations, totaling $191,410,000 in origination value.