Coos Bay Mortgage Rates

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

30 Year Fixed Rate mortgages in Coos Bay averaged 5.98% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 5.99% and one month ago for the week of 2022-05-26, the average rate was 5.38%.

Coos Bay's average rate one year ago was 3.36%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.74%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Coos Bay 30 Year Fixed Rate 2022-06-30 5.98%
Coos Bay 30 Year Fixed Rate Refi 2022-06-30 5.74%
Coos Bay 15 Year Fixed Rate 2022-06-30 5.31%
Coos Bay 15 Year Fixed Rate Refi 2022-06-30 5.11%
Coos Bay 30 Year FHA 2022-06-30 5.83%
Coos Bay 30 Year FHA Refi 2022-06-30 5.53%
Coos Bay 30 Year USDA 2022-06-30 5.7%
Coos Bay 30 Year USDA Refi 2022-06-30 5.25%
Coos Bay 30 Year VA 2022-06-30 5.58%
Coos Bay 30 Year VA Refi 2022-06-30 5.28%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Coos Bay, OR.

Coos Bay 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 Coos Bay, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
GUILD MORTGAGE COMPANY 207 3.25% $4,979
QUICKEN LOANS, LLC 138 3.07% $5,544
Umpqua Bank 130 3.16% $4,615
FIRST COMMUNITY 73 3.16% $3,562
DIRECTORS MORTGAGE, INC. 50 3.31% $5,474
Banner Bank 48 3.19% $5,402
LOANDEPOT.COM, LLC 37 3.05% $4,773
NORTHWEST COMMUNITY 36 3.20% $7,028
UNITED WHOLESALE MORTGAGE, LLC 29 3.06% $5,676
Wells Fargo Bank 29 3.09% $4,717
STEARNS LENDING, LLC 25 3.11% $5,635
U.S. Bank 24 3.09% $3,986
CALIBER HOME LOANS, INC. 20 3.18% $4,940
Willamette Valley Bank 20 3.29% $6,619
CROSSCOUNTRY MORTGAGE, LLC 18 3.11% $8,616
GUARANTEED RATE, INC. 17 3.29% $5,836
FINANCE OF AMERICA MORTGAGE LLC 17 3.23% $5,889
AMERISAVE MORTGAGE CORPORATION 16 2.83% $6,498
Goldwater Bank, N.A. 15 3.23% $5,225
PENNYMAC LOAN SERVICES, LLC 14 3.06% $5,979
ROGUE 13 3.40% $5,298
Century Mortgage Company DBA Century Lending Company 13 3.32% $5,301
Flagstar Bank, FSB 12 3.25% $5,977
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 11 3.09% $3,568
Sierra Pacific Mortgage Company, Inc. 10 2.97% $3,615
Mr. Cooper ( Nationstar Mortgage ) 10 3.51% $5,139
BETTER MORTGAGE CORPORATION 8 2.91% $3,896
NEWREZ LLC 8 3.23% $4,514
First Interstate Bank 7 3.27% $3,659
BROKER SOLUTIONS, INC. 7 3.48% $5,802
PRIMELENDING, A PLAINSCAPITAL COMPANY 7 3.52% $4,912
MUTUAL OF OMAHA MORTGAGE, INC. 7 3.14% $4,802
ACADEMY MORTGAGE CORPORATION 7 3.11% $4,441
FREEDOM MORTGAGE CORPORATION 7 3.21% $2,290
CANOPY MORTGAGE, LLC 6 3.12% $5,807
NETWORK CAPITAL FUNDING CORPORATION 6 3.21% $5,601
JPMorgan Chase Bank 6 3.00% $3,888
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 6 2.93% $4,751
NAVY FEDERAL CREDIT UNION 5 3.15% $2,812
SUMMIT FUNDING, INC. 5 3.20% $6,534
GENEVA FINANCIAL, LLC 5 3.33% $6,926
CMG MORTGAGE, INC. 4 3.00% $4,006
AMERICAN FINANCING CORPORATION 4 2.88% $5,316
PROVIDENT FUNDING ASSOCIATES, L.P. 4 2.78% $4,624
HOME POINT FINANCIAL CORPORATION 4 3.03% $4,204
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 4 3.34% $6,029
BAY EQUITY LLC 4 3.47% $5,660
KeyBank 3 3.08% $7,379
Ally Bank 3 3.21% $9,025
Carrington Mortgage Services, LLC 3 3.58% $5,579
CHERRY CREEK MORTGAGE, LLC 3 3.38% $12,383
GSF Mortgage Corporation 3 3.37% $15,138
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 3.50% $6,170
InterContinental Capital Group, Inc 3 2.96% $6,781
OnPoint Community Credit Union 3 2.92% $2,939
OREGON COMMUNITY 3 3.21% $7,348
PLAZA HOME MORTGAGE, INC. 3 3.17% $3,858
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 3.25% $5,984
SPRING EQ, LLC 3 2.92% $2,479
Summit Mortgage Corporation 3 2.92% $8,575
SUMMIT MORTGAGE CORPORATION 3 3.13% $3,832
PACIFIC RESIDENTIAL MORTGAGE, LLC 2 3.44% $5,746
ADVANTIS 2 3.56% $4,156
LPMC, LLC 2 3.44% $5,787
PENTAGON FEDERAL CREDIT UNION 2 3.06% $5,363
MUFG Union Bank 2 2.56% $4,797
Mortgage Research Center, LLC 2 2.94% $2,239
NATIONS DIRECT MORTGAGE, LLC 2 2.93% $2,673
ZILLOW HOME LOANS, LLC 2 3.19% $5,298
Sunflower Bank 2 3.25% $8,305
Washington Federal Bank 2 3.63% $5,027
The Huntington National Bank 2 3.13% $13,121
Prime Choice Funding Inc. 2 2.94% $5,166
Nations Lending Corporation 2 2.69% $6,180
Bank of England 2 3.31% $4,520
Bank of America 2 2.81% $4,446
GoPrime Mortgage, Inc. 2 2.81% $3,971
NOVA FINANCIAL & INVESTMENT CORPORATION 2 3.06% $4,347
DRAPER AND KRAMER MORTGAGE CORP. 2 3.31% $5,209
MOUNTAIN WEST FINANCIAL, INC. 2 2.94% $4,885
S1L, Inc. 2 3.31% $3,960
MOVEMENT MORTGAGE, LLC 2 2.75% $3,316
HomeStreet Bank 2 3.19% $4,355
North American Savings Bank, F.S.B. 1 2.75% $2,164
Cf Bank 1 2.50% $3,669
UNITED MORTGAGE CORP. 1 3.25% $3,940
AMERICAN FINANCIAL NETWORK, INC. 1 3.38% $8,790
Oregon State Credit Union 1 3.25% $3,454
CELEBRITY HOME LOANS, LLC 1 3.25% $4,749
ALLIANT CREDIT UNION 1 2.88% $4,739
PREMIA MORTGAGE, LLC 1 2.75% $1,180
PREMIER MORTGAGE RESOURCES, L.L.C. 1 2.99% $6,921
CALCON MUTUAL MORTGAGE LLC 1 3.38% $7,020
RANLIFE, INC. 1 4.50% $9,212
Austin Capital Bank SSB 1 2.88% $4,355
ROYAL UNITED MORTGAGE LLC 1 2.50% $15,028
SECURITYNATIONAL MORTGAGE COMPANY 1 3.25% $4,263
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 2.88% $5,387
AmRes Corporation 1 4.13% $6,060
Stifel Bank and Trust 1 3.00% $4,559
Strong Home Mortgage, LLC 1 2.63% $1,654
AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.25% $4,374
ADVANCIAL 1 3.25% $3,541
The Central Trust Bank 1 3.25% $4,492
TIAA, FSB 1 3.13% $5,180
FIRST TECHNOLOGY 1 2.63% $4,211
Golden Empire Mortgage, Inc. 1 3.25% $3,679
First Republic Bank 1 2.80% $1,111
TJC Mortgage, Inc. 1 2.63% $5,553
FirstBank 1 3.13% $2,797
First Bank 1 3.50% $5,070
TWINSTAR 1 3.13% $2,449
EMM LOANS LLC 1 2.75% $4,904
HOMESIDE FINANCIAL, LLC 1 2.75% $5,075
HSBC BANK USA, NATIONAL ASSOCIATION 1 3.25% $2,027
AMERICAN FINANCIAL RESOURCES, INC. 1 2.99% $8,197
Ixonia Bank 1 2.63% $3,194
JLB CORPORATION 1 2.88% $6,187
DAS Acquisition Company, LLC 1 3.13% $8,129
LADERA LENDING, INC. 1 3.25% $2,741
LAKEVIEW LOAN SERVICING, LLC 1 2.50% $5,573
LAND HOME FINANCIAL SERVICES, INC. 1 2.99% $3,565
Crestline Funding Corporation 1 3.00% $4,673
LOANPAL, LLC 1 3.25% $3,326
MANN FINANCIAL INC. 1 3.75% $7,268
MASON MCDUFFIE MORTGAGE CORPORATION 1 3.50% $6,828
MOUNTAIN AMERICA 1 2.75% $5,327
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 3.13% $4,849
CORNERSTONE HOME LENDING, INC. 1 2.75% $10,986
NATIONWIDE MORTGAGE BANKERS, INC. 1 2.88% $6,958
Columbia State Bank 1 3.00% $5,412
NBKC BANK 1 2.88% $1,697
CHURCHILL MORTGAGE CORPORATION 1 3.25% $3,997
NEW DAY FINANCIAL, LLC 1 2.50% $2,697
Charles Schwab Bank, SSB 1 1.80% $297

Coos Bay, OR's 135 lenders originated 2,829 loans during 2021. The total origination value was $689,175,000, with an average loan value of $243,611.

The top Coos Bay lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 207 loans originated. Their average total fees are $4,979, which is $565 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Coos Bay lenders (with over 10 loans originated) are FIRST COMMUNITY ($3,562), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($3,568), Sierra Pacific Mortgage Company, Inc. ($3,615), U.S. Bank ($3,986) and Umpqua Bank ($4,615).

The lowest rate Coos Bay lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.83%), Sierra Pacific Mortgage Company, Inc. (2.97%), LOANDEPOT.COM, LLC (3.05%), UNITED WHOLESALE MORTGAGE, LLC (3.06%) and PENNYMAC LOAN SERVICES, LLC (3.06%).

Coos Bay, 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
GUILD MORTGAGE COMPANY $75,865,000 $85,420,000 12.6% 12.4%
Umpqua Bank $72,825,000 $76,505,000 5.1% 11.1%
QUICKEN LOANS, LLC $45,810,000 $55,025,000 20.1% 8.0%
FIRST COMMUNITY $39,940,000 $33,300,000 -16.6% 4.8%
Banner Bank $39,340,000 $31,450,000 -20.1% 4.6%
DIRECTORS MORTGAGE, INC. $8,975,000 $19,855,000 121.2% 2.9%
Mortgage Research Center, LLC $13,975,000 $15,985,000 14.4% 2.3%
LOANDEPOT.COM, LLC $10,190,000 $15,880,000 55.8% 2.3%
NORTHWEST COMMUNITY $16,200,000 $15,815,000 -2.4% 2.3%
FREEDOM MORTGAGE CORPORATION $14,540,000 $15,630,000 7.5% 2.3%
UNITED WHOLESALE MORTGAGE, LLC $8,185,000 $14,105,000 72.3% 2.0%
U.S. Bank $11,930,000 $13,690,000 14.8% 2.0%
STEARNS LENDING, LLC $19,130,000 $12,180,000 -36.3% 1.8%
CALIBER HOME LOANS, INC. $9,825,000 $10,815,000 10.1% 1.6%
CROSSCOUNTRY MORTGAGE, LLC $4,595,000 $10,100,000 119.8% 1.5%
Wells Fargo Bank $7,080,000 $9,685,000 36.8% 1.4%
GUARANTEED RATE, INC. $405,000 $9,170,000 2,164.2% 1.3%
Columbia State Bank $1,160,000 $8,230,000 609.5% 1.2%
ROGUE $7,320,000 $7,450,000 1.8% 1.1%
Willamette Valley Bank $1,960,000 $7,165,000 265.6% 1.0%
FINANCE OF AMERICA MORTGAGE LLC $11,580,000 $7,105,000 -38.6% 1.0%
Goldwater Bank, N.A. $5,820,000 $6,800,000 16.8% 1.0%
PENNYMAC LOAN SERVICES, LLC $2,330,000 $6,785,000 191.2% 1.0%
AMERISAVE MORTGAGE CORPORATION $2,385,000 $6,305,000 164.4% 0.9%
Century Mortgage Company DBA Century Lending Company $6,280,000 n/a 0.9%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $6,535,000 $5,735,000 -12.2% 0.8%
Flagstar Bank, FSB $2,955,000 $5,480,000 85.4% 0.8%
NAVY FEDERAL CREDIT UNION $2,385,000 $5,320,000 123.1% 0.8%
Mr. Cooper ( Nationstar Mortgage ) $3,635,000 $4,790,000 31.8% 0.7%
OREGON COMMUNITY $2,455,000 $4,760,000 93.9% 0.7%
BROKER SOLUTIONS, INC. $2,730,000 $4,405,000 61.4% 0.6%
NEWREZ LLC $1,295,000 $4,310,000 232.8% 0.6%
LAKEVIEW LOAN SERVICING, LLC $5,105,000 $4,175,000 -18.2% 0.6%
HOME POINT FINANCIAL CORPORATION $520,000 $4,075,000 683.7% 0.6%
First Interstate Bank $2,280,000 $4,030,000 76.8% 0.6%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,005,000 $3,840,000 91.5% 0.6%
SUMMIT FUNDING, INC. $2,150,000 $3,795,000 76.5% 0.6%
BETTER MORTGAGE CORPORATION $580,000 $3,665,000 531.9% 0.5%
USAA Federal Savings Bank $3,305,000 $3,640,000 10.1% 0.5%
NEW DAY FINANCIAL, LLC $1,780,000 $3,500,000 96.6% 0.5%
MUTUAL OF OMAHA MORTGAGE, INC. $1,600,000 $3,470,000 116.9% 0.5%
Sierra Pacific Mortgage Company, Inc. $2,845,000 $3,360,000 18.1% 0.5%
GREYSTONE SERVICING COMPANY LLC $2,945,000 n/a 0.4%
CANOPY MORTGAGE, LLC $1,465,000 $2,870,000 95.9% 0.4%
Nations Lending Corporation $2,270,000 $2,710,000 19.4% 0.4%
ACADEMY MORTGAGE CORPORATION $9,530,000 $2,620,000 -72.5% 0.4%
MORTGAGE EXPRESS, LLC $1,400,000 $2,585,000 84.6% 0.4%
NATIONS DIRECT MORTGAGE, LLC $2,715,000 $2,570,000 -5.3% 0.4%
Carrington Mortgage Services, LLC $1,120,000 $2,280,000 103.6% 0.3%
CMG MORTGAGE, INC. $2,365,000 $2,150,000 -9.1% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $1,065,000 $2,125,000 99.5% 0.3%
JPMorgan Chase Bank $2,635,000 $2,040,000 -22.6% 0.3%
SOVEREIGN LENDING GROUP INCORPORATED $1,980,000 $2,025,000 2.3% 0.3%
InterContinental Capital Group, Inc $1,225,000 $1,950,000 59.2% 0.3%
KeyBank $865,000 $1,920,000 122.0% 0.3%
GENEVA FINANCIAL, LLC $640,000 $1,870,000 192.2% 0.3%
NETWORK CAPITAL FUNDING CORPORATION $690,000 $1,855,000 168.8% 0.3%
AMERICAN PACIFIC MORTGAGE CORPORATION $1,155,000 $1,825,000 58.0% 0.3%
Magnolia Bank $1,290,000 $1,825,000 41.5% 0.3%
PENTAGON FEDERAL CREDIT UNION $705,000 $1,820,000 158.2% 0.3%
Bank of England $725,000 $1,700,000 134.5% 0.2%
CHERRY CREEK MORTGAGE, LLC $485,000 $1,685,000 247.4% 0.2%
The Federal Savings Bank $2,760,000 $1,675,000 -39.3% 0.2%
Pacific Premier Bank $1,655,000 n/a 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $730,000 $1,610,000 120.5% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $3,450,000 $1,605,000 -53.5% 0.2%
GSF Mortgage Corporation $1,710,000 $1,425,000 -16.7% 0.2%
AMERICAN ADVISORS GROUP $435,000 $1,405,000 223.0% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $2,450,000 $1,390,000 -43.3% 0.2%
AMERICAN FINANCING CORPORATION $290,000 $1,385,000 377.6% 0.2%
First Republic Bank $515,000 $1,380,000 168.0% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $2,070,000 $1,305,000 -37.0% 0.2%
S1L, Inc. $1,190,000 n/a 0.2%
Summit Mortgage Corporation $155,000 $1,105,000 612.9% 0.2%
Ally Bank $1,075,000 n/a 0.2%
SELCO COMMUNITY $1,070,000 n/a 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,555,000 $1,045,000 -32.8% 0.2%
Bank of America $1,270,000 $1,030,000 -18.9% 0.1%
Charles Schwab Bank, SSB $1,025,000 n/a 0.1%
LOANPAL, LLC $135,000 $975,000 622.2% 0.1%
BAY EQUITY LLC $960,000 n/a 0.1%
PacWest Funding Inc. $700,000 $945,000 35.0% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $280,000 $940,000 235.7% 0.1%
The Huntington National Bank $225,000 $925,000 311.1% 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $155,000 $920,000 493.5% 0.1%
CORNERSTONE HOME LENDING, INC. $905,000 n/a 0.1%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $590,000 $900,000 52.5% 0.1%
PLAZA HOME MORTGAGE, INC. $1,280,000 $900,000 -29.7% 0.1%
Wyndham Capital Mortgage, Inc. $325,000 $870,000 167.7% 0.1%
Stifel Bank and Trust $845,000 n/a 0.1%
LADERA LENDING, INC. $305,000 $835,000 173.8% 0.1%
MANN FINANCIAL INC. $85,000 $830,000 876.5% 0.1%
CALCON MUTUAL MORTGAGE LLC $825,000 n/a 0.1%
MUFG Union Bank $820,000 n/a 0.1%
SPRING EQ, LLC $235,000 $820,000 248.9% 0.1%
ZILLOW HOME LOANS, LLC $810,000 n/a 0.1%
North American Savings Bank, F.S.B. $245,000 $780,000 218.4% 0.1%
OnPoint Community Credit Union $1,245,000 $750,000 -39.8% 0.1%
RANLIFE, INC. $500,000 $740,000 48.0% 0.1%
Evergreen Federal Bank $540,000 $735,000 36.1% 0.1%
Mid Oregon Federal Credit Union $685,000 n/a 0.1%
BECKAM FUNDING CORP. $640,000 n/a 0.1%
Washington Federal Bank $2,205,000 $635,000 -71.2% 0.1%
Loan Simple, Inc. $225,000 $605,000 168.9% 0.1%
1st Security Bank of Washington $590,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $720,000 $585,000 -18.8% 0.1%
MOVEMENT MORTGAGE, LLC $630,000 $585,000 -7.1% 0.1%
FirstBank $875,000 $580,000 -33.7% 0.1%
Prime Choice Funding Inc. $255,000 $580,000 127.5% 0.1%
LPMC, LLC $670,000 $575,000 -14.2% 0.1%
HomeStreet Bank $2,335,000 $560,000 -76.0% 0.1%
Sunflower Bank $175,000 $560,000 220.0% 0.1%
ADVANTIS $555,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $1,165,000 $555,000 -52.4% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $550,000 n/a 0.1%
FIRST TECHNOLOGY $220,000 $515,000 134.1% 0.1%
Paramount Bank $950,000 $495,000 -47.9% 0.1%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $490,000 n/a 0.1%
SUMMIT MORTGAGE CORPORATION $510,000 $485,000 -4.9% 0.1%
REVERSE MORTGAGE FUNDING LLC $450,000 $470,000 4.4% 0.1%
CELEBRITY HOME LOANS, LLC $165,000 $460,000 178.8% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $295,000 $450,000 52.5% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $805,000 $445,000 -44.7% 0.1%
Cf Bank $445,000 n/a 0.1%
SOFI LENDING CORP. $445,000 n/a 0.1%
NOVA FINANCIAL & INVESTMENT CORPORATION $440,000 n/a 0.1%
Oregon State Credit Union $185,000 $435,000 135.1% 0.1%
ACCELERATE MORTGAGE, LLC $215,000 $430,000 100.0% 0.1%
PACIFIC RESIDENTIAL MORTGAGE, LLC $605,000 $430,000 -28.9% 0.1%
LENDUS, LLC $445,000 $425,000 -4.5% 0.1%
HOMESIDE FINANCIAL, LLC $305,000 $420,000 37.7% 0.1%
MOUNTAIN WEST FINANCIAL, INC. $95,000 $420,000 342.1% 0.1%
FINANCE OF AMERICA REVERSE LLC $305,000 $410,000 34.4% 0.1%
Austin Capital Bank SSB $405,000 n/a 0.1%
CLEARPATH LENDING $390,000 n/a 0.1%
GoPrime Mortgage, Inc. $605,000 $390,000 -35.5% 0.1%
HighTechLending Inc $415,000 $370,000 -10.8% 0.1%
PLANET HOME LENDING, LLC $400,000 $370,000 -7.5% 0.1%
ROYAL UNITED MORTGAGE LLC $315,000 $370,000 17.5% 0.1%
Chicago Mortgage Solutions LLC $365,000 n/a 0.1%
FBC MORTGAGE, LLC $365,000 n/a 0.1%
HSBC BANK USA, NATIONAL ASSOCIATION $365,000 n/a 0.1%
Strong Home Mortgage, LLC $1,010,000 $355,000 -64.9% 0.1%
JMJ FINANCIAL GROUP $345,000 n/a 0.1%
Third Federal Savings and Loan Association of Cleveland $270,000 $325,000 20.4% 0.0%
ALLIANT CREDIT UNION $305,000 n/a 0.0%
Commerce Home Mortgage, Inc. $2,115,000 $305,000 -85.6% 0.0%
DAS Acquisition Company, LLC $305,000 n/a 0.0%
Ixonia Bank $295,000 n/a 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $355,000 $295,000 -16.9% 0.0%
PHH Mortgage Corporation $480,000 $290,000 -39.6% 0.0%
Discover Bank $90,000 $285,000 216.7% 0.0%
PREMIA MORTGAGE, LLC $285,000 n/a 0.0%
The Central Trust Bank $285,000 n/a 0.0%
Chickasaw Community Bank $385,000 $255,000 -33.8% 0.0%
LENDING 3, INC. $255,000 n/a 0.0%
NBKC BANK $1,175,000 $255,000 -78.3% 0.0%
Prosperity Home Mortgage, LLC $155,000 $255,000 64.5% 0.0%
LONGBRIDGE FINANCIAL, LLC $195,000 $245,000 25.6% 0.0%
NATIONWIDE EQUITIES CORPORATION $245,000 n/a 0.0%
CASTLE & COOKE MORTGAGE, LLC $235,000 n/a 0.0%
Barrington Bank & Trust Company, N.A. $810,000 $230,000 -71.6% 0.0%
CIVIC FINANCIAL SERVICES, LLC $225,000 n/a 0.0%
Crestline Funding Corporation $225,000 n/a 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $480,000 $225,000 -53.1% 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $225,000 n/a 0.0%
EMM LOANS LLC $215,000 n/a 0.0%
First Bank $205,000 n/a 0.0%
Golden Empire Mortgage, Inc. $255,000 $205,000 -19.6% 0.0%
MOUNTAIN AMERICA $75,000 $205,000 173.3% 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $215,000 $205,000 -4.7% 0.0%
TIAA, FSB $125,000 $205,000 64.0% 0.0%
AXIA FINANCIAL, LLC $205,000 $195,000 -4.9% 0.0%
Bank of the Pacific $195,000 n/a 0.0%
BM Real Estate Services, Inc. $195,000 n/a 0.0%
Watermark Capital, Inc. $225,000 $195,000 -13.3% 0.0%
CITYWIDE HOME LOANS, LLC $185,000 n/a 0.0%
Colonial Savings, F.A. $185,000 n/a 0.0%
JLB CORPORATION $185,000 n/a 0.0%
Figure Lending LLC $130,000 $180,000 38.5% 0.0%
Paramount Residential Mortgage Group, Inc. $1,075,000 $175,000 -83.7% 0.0%
Unitus Community Credit Union $365,000 $170,000 -53.4% 0.0%
RELIANCE FIRST CAPITAL, LLC $225,000 $165,000 -26.7% 0.0%
UNITED MORTGAGE CORP. $165,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $105,000 $160,000 52.4% 0.0%
LAND HOME FINANCIAL SERVICES, INC. $985,000 $155,000 -84.3% 0.0%
TWINSTAR $215,000 $155,000 -27.9% 0.0%
AmRes Corporation $145,000 n/a 0.0%
Colten Mortgage, LLC $145,000 n/a 0.0%
Hometown Equity Mortgage, LLC $445,000 $145,000 -67.4% 0.0%
TRIAD FINANCIAL SERVICES, INC. $225,000 $140,000 -37.8% 0.0%
ADVANCIAL $135,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $290,000 $135,000 -53.4% 0.0%
MASON MCDUFFIE MORTGAGE CORPORATION $165,000 $115,000 -30.3% 0.0%
TJC Mortgage, Inc. $375,000 $115,000 -69.3% 0.0%
Low VA Rates, LLC $1,790,000 $105,000 -94.1% 0.0%
UNIVERSITY CREDIT UNION $105,000 n/a 0.0%
iQ Credit Union $85,000 n/a 0.0%
Bank of the West $405,000 $65,000 -84.0% 0.0%
WASHINGTON STATE EMPLOYEES Credit Union $2,725,000 $50,000 -98.2% 0.0%
Citibank $320,000 $45,000 -85.9% 0.0%

Coos Bay's top lender by overall market share is GUILD MORTGAGE COMPANY, with 12.4% market share. In second place, with 11.1%, is Umpqua Bank, having originated $76,505,000 in loans. In third place, with 8.0%, is QUICKEN LOANS, LLC, having originated $55,025,000 in loans. In third place, with 4.8%, is FIRST COMMUNITY, having originated $33,300,000 in loans. In third place, with 4.6%, is Banner Bank, having originated $31,450,000 in loans.


Coos Bay, OR Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,062 $321,130,000 $302,382
Refi 900 $195,890,000 $217,656
Cash Out Refi 661 $149,775,000 $226,589
Home Improvement 139 $14,625,000 $105,216
Other 67 $7,755,000 $115,746

Coos Bay's most frequently cited loan purpose was Home Purchase, with 1,062 originations. The 2nd most popular reason was Refi, with 900 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,154 $291,730,000 $252,799
2.5-3% 1,005 $251,385,000 $250,134
<2.5% 494 $115,210,000 $233,219
4-5% 118 $25,290,000 $214,322
5-6% 21 $1,335,000 $63,571
Over 8% 13 $1,585,000 $121,923
6-7% 12 $830,000 $69,167
7-8% 6 $390,000 $65,000

During 2021, Coos Bay's most frequently originated rate bucket was 3-4%, with 1,154 originations.

Loan Sizing (Coos Bay, OR MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,402 $387,440,000 $276,348
$100k-200k 924 $144,530,000 $156,418
$100,000 or less 251 $15,235,000 $60,697
$400k-600k 211 $98,515,000 $466,896
$600k-1000k 31 $23,045,000 $743,387
$Over $1MM 10 $20,410,000 $2,041,000

Coos Bay's loan sizing saw the bucket of loans from $200k-400k with 1,402 originations, totaling $387,440,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 922 $254,250,000 $275,759
80-100% 904 $261,510,000 $289,281
40-60% 494 $96,910,000 $196,174
20-40% 223 $28,565,000 $128,094
Under 20% 122 $5,630,000 $46,148
Over 100% 47 $15,465,000 $329,043

Coos Bay's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 922 originations, totaling $254,250,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Coos Bay (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 $272,450 (5.0%) $381,321 (11.2%) 0.00 260
2018-02-01 $260,000 (6.1%) $363,828 (7.5%) 0.00 265
2018-03-01 $269,000 (-2.9%) $370,315 (7.6%) 0.00 266
2018-04-01 $294,500 (3.3%) $388,155 (7.4%) 0.00 258
2018-05-01 $294,000 (-1.5%) $389,122 (6.5%) 0.00 266
2018-06-01 $279,000 (-6.6%) $371,047 (-0.1%) 0.00 326
2018-07-01 $277,450 (-6.0%) $369,356 (-4.5%) 0.00 360
2018-08-01 $274,950 (-4.0%) $366,736 (-4.1%) 0.00 364
2018-09-01 $269,900 (-3.6%) $368,540 (-1.2%) 0.00 355
2018-10-01 $265,000 (-7.7%) $363,384 (-3.8%) 0.00 334
2018-11-01 $269,000 (-1.1%) $367,372 (-0.6%) 0.00 286
2018-12-01 $264,900 (-5.4%) $364,792 (-6.4%) 0.00 260
2019-01-01 $265,000 (-2.7%) $362,738 (-4.9%) 0.00 236
2019-02-01 $282,000 (8.5%) $371,011 (2.0%) 0.00 231
2019-03-01 $289,429 (7.6%) $370,053 (-0.1%) 0.00 233
2019-04-01 $289,929 (-1.6%) $366,618 (-5.6%) 0.00 242
2019-05-01 $289,250 (-1.6%) $370,020 (-4.9%) 0.00 254
2019-06-01 $284,900 (2.1%) $363,270 (-2.1%) 0.00 309
2019-07-01 $287,000 (3.4%) $372,000 (0.7%) 0.00 315
2019-08-01 $299,900 (9.1%) $386,369 (5.4%) 0.00 311
2019-09-01 $299,900 (11.1%) $384,972 (4.5%) 0.00 299
2019-10-01 $312,500 (17.9%) $389,789 (7.3%) 0.00 299
2019-11-01 $320,000 (19.0%) $458,662 (24.9%) 0.00 279
2019-12-01 $324,000 (22.3%) $476,945 (30.7%) 0.00 245
2020-01-01 $326,500 (23.2%) $480,912 (32.6%) 0.00 230
2020-02-01 $325,000 (15.3%) $480,278 (29.5%) 0.00 219
2020-03-01 $319,000 (10.2%) $465,528 (25.8%) 0.00 231
2020-04-01 $314,000 (8.3%) $459,060 (25.2%) 0.00 239
2020-05-01 $320,000 (10.6%) $463,403 (25.2%) 0.00 227
2020-06-01 $357,000 (25.3%) $509,200 (40.2%) 0.00 189
2020-07-01 $339,000 (18.1%) $496,470 (33.5%) 0.00 175
2020-08-01 $350,000 (16.7%) $522,084 (35.1%) 0.00 150
2020-09-01 $375,000 (25.0%) $596,721 (55.0%) 0.00 136
2020-10-01 $395,000 (26.4%) $617,666 (58.5%) 0.00 125
2020-11-01 $362,000 (13.1%) $481,642 (5.0%) 0.00 125
2020-12-01 $310,000 (-4.3%) $454,943 (-4.6%) 0.00 110
2021-01-01 $310,000 (-5.1%) $452,375 (-5.9%) 0.00 92
2021-02-01 $269,250 (-17.2%) $417,671 (-13.0%) 0.00 78
2021-03-01 $314,500 (-1.4%) $437,211 (-6.1%) 0.00 86
2021-04-01 $342,000 (8.9%) $448,088 (-2.4%) 0.00 89
2021-05-01 $325,000 (1.6%) $453,187 (-2.2%) 0.00 105
2021-06-01 $331,250 (-7.2%) $439,406 (-13.7%) 0.00 127
2021-07-01 $347,500 (2.5%) $444,314 (-10.5%) 0.00 146
2021-08-01 $355,500 (1.6%) $506,564 (-3.0%) 0.00 158
2021-09-01 $365,000 (-2.7%) $541,077 (-9.3%) 0.00 147
2021-10-01 $360,000 (-8.9%) $561,442 (-9.1%) 0.00 132
2021-11-01 $372,450 (2.9%) $601,675 (24.9%) 0.00 119
2021-12-01 $372,000 (20.0%) $584,567 (28.5%) 0.00 100
2022-01-01 $399,000 (28.7%) $604,866 (33.7%) 0.00 80
2022-02-01 $389,500 (44.7%) $642,475 (53.8%) 0.00 72
2022-03-01 $430,000 (36.7%) $634,655 (45.2%) 0.00 80
2022-04-01 $400,000 (17.0%) $607,534 (35.6%) 0.00 94
2022-05-01 $399,700 (23.0%) $570,409 (25.9%) 0.00 104
2022-06-01 $421,500 (27.3%) $558,645 (27.1%) 0.00 133
Coos Bay's median listing price for 2022-06-01 was $421,500, a difference of $90,250 (27.3%) versus the prior year and $21,800 versus the prior month.

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

Coos Bay's average listing price for 2022-06-01 was $558,645, a difference of $119,239 (27.1%) versus the prior year and $-11,764 versus the prior month.

For the 2022-06-01 period, Coos Bay had 133 MLS listings, a difference of 29 listings (28%) versus the prior month and 6 listings (5%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Coos Bay (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,751 sqft
2018-02-01 0 days 1,758 sqft
2018-03-01 0 days 1,800 sqft
2018-04-01 0 days 1,841 sqft
2018-05-01 0 days 1,815 sqft
2018-06-01 0 days 1,782 sqft
2018-07-01 0 days 1,770 sqft
2018-08-01 0 days 1,746 sqft
2018-09-01 0 days 1,774 sqft
2018-10-01 0 days 1,789 sqft
2018-11-01 0 days 1,780 sqft
2018-12-01 0 days 1,728 sqft
2019-01-01 0 days 1,737 sqft
2019-02-01 0 days 1,740 sqft
2019-03-01 0 days 1,731 sqft
2019-04-01 0 days 1,718 sqft
2019-05-01 0 days 1,725 sqft
2019-06-01 0 days 1,718 sqft
2019-07-01 0 days 1,766 sqft
2019-08-01 0 days 1,799 sqft
2019-09-01 0 days 1,797 sqft
2019-10-01 0 days 1,812 sqft
2019-11-01 0 days 1,848 sqft
2019-12-01 0 days 1,851 sqft
2020-01-01 0 days 1,830 sqft
2020-02-01 0 days 1,928 sqft
2020-03-01 0 days 1,875 sqft
2020-04-01 0 days 1,865 sqft
2020-05-01 0 days 1,912 sqft
2020-06-01 0 days 1,932 sqft
2020-07-01 0 days 1,897 sqft
2020-08-01 0 days 1,876 sqft
2020-09-01 0 days 1,868 sqft
2020-10-01 0 days 1,933 sqft
2020-11-01 0 days 1,718 sqft
2020-12-01 0 days 1,517 sqft
2021-01-01 0 days 1,722 sqft
2021-02-01 0 days 1,611 sqft
2021-03-01 0 days 1,680 sqft
2021-04-01 0 days 1,613 sqft
2021-05-01 0 days 1,582 sqft
2021-06-01 0 days 1,640 sqft
2021-07-01 0 days 1,764 sqft
2021-08-01 0 days 1,759 sqft
2021-09-01 0 days 1,768 sqft
2021-10-01 0 days 1,680 sqft
2021-11-01 0 days 1,682 sqft
2021-12-01 0 days 1,715 sqft
2022-01-01 0 days 1,710 sqft
2022-02-01 0 days 1,596 sqft
2022-03-01 0 days 1,745 sqft
2022-04-01 0 days 1,740 sqft
2022-05-01 0 days 1,727 sqft
2022-06-01 0 days 1,658 sqft
Coos Bay's median listing age (time on market) for 2022-06-01 was 0 days.

Coos Bay's median square footage for active listings during the 2022-06-01 period was 1,658 sqft. One year prior, the average listing was 1,640 sqft.