Coos Bay Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Coos Bay averaged 6.4% for the week of 2024-02-22, compared to the national average of 6.9% for the same period.

The average rate for the prior week (2024-02-15) was 6.67% and one month ago for the week of 2024-01-18, the average rate was 6.5%.

Coos Bay's average rate one year ago was 6.55%.

For refis of the same type during the week of 2024-02-22, the average rate was 6.57%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-02-22 6.9%
Coos Bay 30 Year Fixed Rate 2024-02-22 6.4%
Coos Bay 30 Year Fixed Rate Refi 2024-02-22 6.57%
Coos Bay 15 Year Fixed Rate 2024-02-22 6.09%
Coos Bay 15 Year Fixed Rate Refi 2024-02-22 6.29%
Coos Bay 30 Year FHA 2024-02-22 -0.55%
Coos Bay 30 Year FHA Refi 2024-02-22 -0.1%
Coos Bay 30 Year USDA 2024-02-22 -0.2%
Coos Bay 30 Year USDA Refi 2024-02-22 0.2%
Coos Bay 30 Year VA 2024-02-22 -0.17%
Coos Bay 30 Year VA Refi 2024-02-22 -0.2%
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 lender, 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
GUILD MORTGAGE COMPANY 105 4.85% $7,347
QUICKEN LOANS, LLC 87 4.62% $7,585
Umpqua Bank 43 4.73% $5,392
DIRECTORS MORTGAGE, INC. 38 5.04% $7,482
Banner Bank 31 4.67% $5,862
FIRST COMMUNITY 30 4.33% $3,913
Century Mortgage Company DBA Century Lending Company 24 4.56% $7,171
CROSSCOUNTRY MORTGAGE, LLC 19 5.31% $9,279
LOANDEPOT.COM, LLC 18 4.46% $8,080
U.S. Bank 17 4.67% $5,735
UNITED WHOLESALE MORTGAGE, LLC 17 4.51% $7,914
NORTHWEST COMMUNITY 16 4.60% $6,794
Wells Fargo Bank 16 4.48% $5,541
Willamette Valley Bank 14 5.22% $10,081
FINANCE OF AMERICA MORTGAGE LLC 13 4.61% $7,659
CALIBER HOME LOANS, INC. 12 5.48% $5,640
ROGUE 11 6.30% $5,674
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 8 5.69% $7,068
BROKER SOLUTIONS, INC. 7 5.64% $6,404
AMERISAVE MORTGAGE CORPORATION 7 4.32% $7,049
JPMorgan Chase Bank 6 5.02% $4,739
NAVY FEDERAL CREDIT UNION 6 4.77% $4,207
First Home Bank 6 5.44% $9,261
FREEDOM MORTGAGE CORPORATION 6 4.04% $6,887
CHURCHILL MORTGAGE CORPORATION 5 5.68% $9,820
GUARANTEED RATE, INC. 5 5.23% $6,650
MUTUAL OF OMAHA MORTGAGE, INC. 5 4.05% $7,900
HOME POINT FINANCIAL CORPORATION 5 4.83% $8,734
Flagstar Bank, FSB 5 3.62% $5,174
NEWREZ LLC 4 5.06% $6,578
NETWORK CAPITAL FUNDING CORPORATION 4 5.69% $5,549
Goldwater Bank, N.A. 4 3.94% $6,261
MORTGAGE EXPRESS, LLC 4 5.06% $6,502
SUMMIT FUNDING, INC. 4 5.40% $8,725
PACIFIC RESIDENTIAL MORTGAGE, LLC 4 3.78% $7,285
S1L, Inc. 4 4.87% $7,068
Sierra Pacific Mortgage Company, Inc. 4 4.19% $3,789
BETTER MORTGAGE CORPORATION 4 4.91% $3,490
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 5.08% $5,726
OREGON COMMUNITY 3 3.96% $4,639
PENNYMAC LOAN SERVICES, LLC 3 5.24% $5,438
Mr. Cooper ( Nationstar Mortgage ) 3 3.71% $5,451
Ally Bank 3 4.17% $3,126
Ixonia Bank 3 6.33% $8,348
MOVEMENT MORTGAGE, LLC 3 6.79% $6,681
LPMC, LLC 3 4.63% $3,995
ZILLOW HOME LOANS, LLC 3 5.33% $6,843
Oregon State Credit Union 3 3.50% $5,699
Paramount Residential Mortgage Group, Inc. 2 3.75% $4,176
CANOPY MORTGAGE, LLC 2 6.19% $8,312
CARDINAL FINANCIAL 2 3.37% $5,856
Citibank 2 4.56% $9,134
CMG MORTGAGE, INC. 2 3.13% $4,576
GoPrime Mortgage, Inc. 2 3.75% $5,191
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 3.88% $5,889
IMPAC MORTGAGE CORP. 2 6.13% $8,080
KINECTA 2 4.19% $6,311
Morgan Stanley Private Bank 2 4.33% $4,190
Mortgage Research Center, LLC 2 5.94% $6,927
Northpointe Bank 2 4.81% $10,568
NOVA FINANCIAL & INVESTMENT CORPORATION 2 4.00% $5,707
ACADEMY MORTGAGE CORPORATION 2 5.19% $8,918
Goldman Sachs Bank USA 1 4.95% $5,939
KeyBank 1 4.13% $5,435
Amerifirst Financial, Inc. 1 3.88% $4,398
LAKEVIEW LOAN SERVICING, LLC 1 3.63% $3,183
GENEVA FINANCIAL, LLC 1 4.13% $6,212
FIRST TECHNOLOGY 1 3.00% $6,861
MANN FINANCIAL INC. 1 3.88% $9,139
WESCOM CENTRAL CREDIT UNION 1 4.38% $10,040
First Savings Bank 1 3.88% $23,441
AMERICAN FINANCING CORPORATION 1 3.75% $7,499
First Interstate Bank 1 3.25% $6,324
First-Citizens Bank & Trust Company 1 6.25% $3,991
Financial Partners Credit Union 1 3.75% $3,383
Nations Lending Corporation 1 3.63% $373
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 6.99% $21,178
DRAPER AND KRAMER MORTGAGE CORP. 1 4.37% $4,556
Discover Bank 1 5.99% $0
NFM, INC. 1 4.75% $13,530
North American Savings Bank, F.S.B. 1 8.50% $7,107
WRIGHT-PATT CREDIT UNION, INC. 1 5.50% $4,864
NORTHROP GRUMMAN Federal Credit Union 1 5.38% $5,439
Commerce Home Mortgage, Inc. 1 5.88% $5,572
Wyndham Capital Mortgage, Inc. 1 4.75% $7,212
OnPoint Community Credit Union 1 5.00% $7,561
Columbia State Bank 1 4.75% $6,165
Citizens Bank 1 3.38% $5,243
Charles Schwab Bank, SSB 1 3.68% $3,681
ADVANTIS 1 4.38% $4,317
Carrington Mortgage Services, LLC 1 3.25% $2,915
PHH Mortgage Corporation 1 3.50% $6,947
PREMIA MORTGAGE, LLC 1 5.50% $2,111
PREMIER MORTGAGE RESOURCES, L.L.C. 1 3.88% $3,586
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.88% $7,310
BOKF 1 3.38% $5,239
Boeing Employees Credit Union 1 5.13% $8,619
RED CANOE CREDIT UNION 1 4.75% $18,640
BNC National Bank 1 3.50% $2,838
ROYAL UNITED MORTGAGE LLC 1 4.88% $6,863
Bethpage Federal Credit Union 1 4.13% $5,023
SAMMAMISH MORTGAGE COMPANY 1 5.88% $4,495
BEST CAPITAL FUNDING 1 4.50% $8,593
BAY EQUITY LLC 1 5.25% $5,798
Sunflower Bank 1 3.25% $5,152
The Federal Savings Bank 1 5.13% $5,958
The Loan Store, Inc. 1 3.88% $14,712
Toyota Financial Savings Bank 1 3.88% $4,965
TWINSTAR 1 5.38% $5,551
Baxter Credit Union 1 5.38% $3,337
Bank of the West 1 3.88% $4,766
USAA Federal Savings Bank 1 4.38% $26,442
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 7.13% $7,182
Bank of America 1 4.75% $3,933
GSF Mortgage Corporation 1 5.38% $11,308
HomeStreet Bank 1 3.75% $3,323
Hometown Lenders, Inc. 1 6.00% $22,047
IDAHO CENTRAL 1 5.50% $7,098
Washington Federal Bank 1 5.75% $14,615
GRANITE FEDERAL CREDIT UNION 1 3.63% $6,520

Coos Bay Average Closing Costs & Other Stats

Coos Bay, OR's 120 lenders originated 1,743 loans during 2022. The total origination value was $430,355,000, with an average loan value of $246,905.

Coos Bay's average closing costs are $5,840.

The top Coos Bay lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 105 loans originated. Their average total fees are $7,347, which is $238 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Coos Bay lenders (with over 10 loans originated) are FIRST COMMUNITY ($3,913), Umpqua Bank ($5,392), Wells Fargo Bank ($5,541), CALIBER HOME LOANS, INC. ($5,640) and ROGUE ($5,674).

The lowest rate Coos Bay lenders (with over 10 loans originated) are FIRST COMMUNITY (4.33%), LOANDEPOT.COM, LLC (4.46%), Wells Fargo Bank (4.48%), UNITED WHOLESALE MORTGAGE, LLC (4.51%) and Century Mortgage Company DBA Century Lending Company (4.56%).

Coos Bay, 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
GUILD MORTGAGE COMPANY $85,420,000 $57,280,000 -32.9% 13.3%
Umpqua Bank $76,505,000 $34,300,000 -55.2% 8.0%
QUICKEN LOANS, LLC $55,025,000 $32,945,000 -40.1% 7.7%
Banner Bank $31,450,000 $27,310,000 -13.2% 6.3%
DIRECTORS MORTGAGE, INC. $19,855,000 $20,055,000 1.0% 4.7%
FIRST COMMUNITY $33,300,000 $11,480,000 -65.5% 2.7%
UNITED WHOLESALE MORTGAGE, LLC $14,105,000 $10,535,000 -25.3% 2.4%
Century Mortgage Company DBA Century Lending Company $6,280,000 $9,980,000 58.9% 2.3%
CROSSCOUNTRY MORTGAGE, LLC $10,100,000 $9,495,000 -6.0% 2.2%
NORTHWEST COMMUNITY $15,815,000 $9,340,000 -40.9% 2.2%
U.S. Bank $13,690,000 $9,245,000 -32.5% 2.1%
ROGUE $7,450,000 $8,635,000 15.9% 2.0%
LOANDEPOT.COM, LLC $15,880,000 $8,390,000 -47.2% 1.9%
Mortgage Research Center, LLC $15,985,000 $8,005,000 -49.9% 1.9%
CALIBER HOME LOANS, INC. $10,815,000 $7,905,000 -26.9% 1.8%
Regions Bank $6,770,000 n/a 1.6%
Willamette Valley Bank $7,165,000 $6,695,000 -6.6% 1.6%
Wells Fargo Bank $9,685,000 $5,460,000 -43.6% 1.3%
FINANCE OF AMERICA MORTGAGE LLC $7,105,000 $4,960,000 -30.2% 1.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $5,735,000 $4,930,000 -14.0% 1.1%
NAVY FEDERAL CREDIT UNION $5,320,000 $4,705,000 -11.6% 1.1%
PENNYMAC LOAN SERVICES, LLC $6,785,000 $4,140,000 -39.0% 1.0%
FREEDOM MORTGAGE CORPORATION $15,630,000 $4,115,000 -73.7% 1.0%
First Home Bank $4,075,000 n/a 0.9%
USAA Federal Savings Bank $3,640,000 $2,915,000 -19.9% 0.7%
HOME POINT FINANCIAL CORPORATION $4,075,000 $2,620,000 -35.7% 0.6%
MUTUAL OF OMAHA MORTGAGE, INC. $3,470,000 $2,515,000 -27.5% 0.6%
CHURCHILL MORTGAGE CORPORATION $555,000 $2,495,000 349.5% 0.6%
BROKER SOLUTIONS, INC. $4,405,000 $2,440,000 -44.6% 0.6%
NEWREZ LLC $4,310,000 $2,225,000 -48.4% 0.5%
The Federal Savings Bank $1,675,000 $2,220,000 32.5% 0.5%
AMERISAVE MORTGAGE CORPORATION $6,305,000 $2,155,000 -65.8% 0.5%
JPMorgan Chase Bank $2,040,000 $2,080,000 2.0% 0.5%
AMERICAN ADVISORS GROUP $1,405,000 $2,075,000 47.7% 0.5%
GUARANTEED RATE, INC. $9,170,000 $2,040,000 -77.8% 0.5%
CANOPY MORTGAGE, LLC $2,870,000 $1,855,000 -35.4% 0.4%
S1L, Inc. $1,190,000 $1,855,000 55.9% 0.4%
OREGON COMMUNITY $4,760,000 $1,815,000 -61.9% 0.4%
MORTGAGE EXPRESS, LLC $2,585,000 $1,805,000 -30.2% 0.4%
SUMMIT FUNDING, INC. $3,795,000 $1,785,000 -53.0% 0.4%
Flagstar Bank, FSB $5,480,000 $1,730,000 -68.4% 0.4%
North American Savings Bank, F.S.B. $780,000 $1,730,000 121.8% 0.4%
Ixonia Bank $295,000 $1,680,000 469.5% 0.4%
PACIFIC RESIDENTIAL MORTGAGE, LLC $430,000 $1,655,000 284.9% 0.4%
Goldwater Bank, N.A. $6,800,000 $1,620,000 -76.2% 0.4%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $900,000 $1,515,000 68.3% 0.4%
Barrington Bank & Trust Company, N.A. $230,000 $1,510,000 556.5% 0.4%
Goldman Sachs Bank USA $1,505,000 n/a 0.3%
Mr. Cooper ( Nationstar Mortgage ) $4,790,000 $1,505,000 -68.6% 0.3%
Carrington Mortgage Services, LLC $2,280,000 $1,340,000 -41.2% 0.3%
First Interstate Bank $4,030,000 $1,330,000 -67.0% 0.3%
NEW DAY FINANCIAL, LLC $3,500,000 $1,260,000 -64.0% 0.3%
BAY EQUITY LLC $960,000 $1,255,000 30.7% 0.3%
Nations Lending Corporation $2,710,000 $1,235,000 -54.4% 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $3,840,000 $1,220,000 -68.2% 0.3%
Citibank $45,000 $1,220,000 2,611.1% 0.3%
NATIONS DIRECT MORTGAGE, LLC $2,570,000 $1,215,000 -52.7% 0.3%
Ally Bank $1,075,000 $1,210,000 12.6% 0.3%
Bank of America $1,030,000 $1,155,000 12.1% 0.3%
LAKEVIEW LOAN SERVICING, LLC $4,175,000 $1,140,000 -72.7% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,605,000 $1,135,000 -29.3% 0.3%
CIVIC FINANCIAL SERVICES, LLC $225,000 $1,085,000 382.2% 0.3%
Evergreen Federal Bank $735,000 $1,070,000 45.6% 0.2%
BETTER MORTGAGE CORPORATION $3,665,000 $1,055,000 -71.2% 0.2%
MANN FINANCIAL INC. $830,000 $1,035,000 24.7% 0.2%
LPMC, LLC $575,000 $1,000,000 73.9% 0.2%
MOVEMENT MORTGAGE, LLC $585,000 $990,000 69.2% 0.2%
CMG MORTGAGE, INC. $2,150,000 $970,000 -54.9% 0.2%
ACADEMY MORTGAGE CORPORATION $2,620,000 $965,000 -63.2% 0.2%
LENDINGHOME FUNDING CORPORATION $955,000 n/a 0.2%
Bank of the West $65,000 $940,000 1,346.2% 0.2%
1st Security Bank of Washington $590,000 $925,000 56.8% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,610,000 $885,000 -45.0% 0.2%
Morgan Stanley Private Bank $860,000 n/a 0.2%
Commerce Home Mortgage, Inc. $305,000 $815,000 167.2% 0.2%
AMERICAN FINANCING CORPORATION $1,385,000 $790,000 -43.0% 0.2%
Oregon State Credit Union $435,000 $790,000 81.6% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $1,305,000 $765,000 -41.4% 0.2%
Washington Federal Bank $635,000 $760,000 19.7% 0.2%
Sunflower Bank $560,000 $750,000 33.9% 0.2%
Sierra Pacific Mortgage Company, Inc. $3,360,000 $720,000 -78.6% 0.2%
Columbia State Bank $8,230,000 $715,000 -91.3% 0.2%
KeyBank $1,920,000 $710,000 -63.0% 0.2%
FIRST TECHNOLOGY $515,000 $675,000 31.1% 0.2%
RED CANOE CREDIT UNION $645,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $810,000 $635,000 -21.6% 0.1%
First Savings Bank $625,000 n/a 0.1%
Wasatch Peaks Federal Credit Union $625,000 n/a 0.1%
Boeing Employees Credit Union $610,000 n/a 0.1%
VERITAS FUNDING, LLC $600,000 n/a 0.1%
IMPAC MORTGAGE CORP. $590,000 n/a 0.1%
Northpointe Bank $590,000 n/a 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $445,000 $580,000 30.3% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $205,000 $580,000 182.9% 0.1%
FINANCE OF AMERICA REVERSE LLC $410,000 $570,000 39.0% 0.1%
OCMBC, INC. $545,000 n/a 0.1%
West Town Bank & Trust $545,000 n/a 0.1%
Armed Forces Bank $525,000 n/a 0.1%
Hometown Lenders, Inc. $525,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $140,000 $500,000 257.1% 0.1%
NETWORK CAPITAL FUNDING CORPORATION $1,855,000 $490,000 -73.6% 0.1%
Paramount Residential Mortgage Group, Inc. $175,000 $490,000 180.0% 0.1%
SPRING EQ, LLC $820,000 $490,000 -40.2% 0.1%
Bethpage Federal Credit Union $485,000 n/a 0.1%
Toyota Financial Savings Bank $485,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $585,000 $475,000 -18.8% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $470,000 n/a 0.1%
KINECTA $460,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $1,820,000 $455,000 -75.0% 0.1%
Charles Schwab Bank, SSB $1,025,000 $445,000 -56.6% 0.1%
HomeStreet Bank $560,000 $435,000 -22.3% 0.1%
BOKF $415,000 n/a 0.1%
First Republic Bank $1,380,000 $415,000 -69.9% 0.1%
The Loan Store, Inc. $415,000 n/a 0.1%
Discover Bank $285,000 $410,000 43.9% 0.1%
GoPrime Mortgage, Inc. $390,000 $410,000 5.1% 0.1%
LONGBRIDGE FINANCIAL, LLC $245,000 $405,000 65.3% 0.1%
OnPoint Community Credit Union $750,000 $405,000 -46.0% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $160,000 $375,000 134.4% 0.1%
SOUTHWEST FUNDING, LP $375,000 n/a 0.1%
Texana Bank $375,000 n/a 0.1%
PHH Mortgage Corporation $290,000 $360,000 24.1% 0.1%
BEST CAPITAL FUNDING $355,000 n/a 0.1%
FIRST ALLIANCE HOME MORTGAGE, LLC $350,000 n/a 0.1%
Citizens Bank $345,000 n/a 0.1%
VILLAGE CAPITAL MORTGAGE $2,125,000 $345,000 -83.8% 0.1%
NOVA FINANCIAL & INVESTMENT CORPORATION $440,000 $340,000 -22.7% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $1,825,000 $335,000 -81.6% 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $335,000 n/a 0.1%
First-Citizens Bank & Trust Company $325,000 n/a 0.1%
GSF Mortgage Corporation $1,425,000 $325,000 -77.2% 0.1%
CHERRY CREEK MORTGAGE, LLC $1,685,000 $315,000 -81.3% 0.1%
KELLER MORTGAGE, LLC $315,000 n/a 0.1%
Amerifirst Financial, Inc. $305,000 n/a 0.1%
BNC National Bank $305,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $420,000 $305,000 -27.4% 0.1%
PREMIA MORTGAGE, LLC $285,000 $305,000 7.0% 0.1%
RANLIFE, INC. $740,000 $305,000 -58.8% 0.1%
SELCO COMMUNITY $1,070,000 $295,000 -72.4% 0.1%
SOUTHWEST STAGE FUNDING, LLC $295,000 n/a 0.1%
Golden Empire Mortgage, Inc. $205,000 $285,000 39.0% 0.1%
IDAHO CENTRAL $285,000 n/a 0.1%
NFM, INC. $285,000 n/a 0.1%
PANORAMA MORTGAGE GROUP, LLC $285,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $940,000 $285,000 -69.7% 0.1%
ALLIANT CREDIT UNION $305,000 $275,000 -9.8% 0.1%
Operating Engineers Local Union #3 $275,000 n/a 0.1%
WESCOM CENTRAL CREDIT UNION $275,000 n/a 0.1%
CAPSTONE DIRECT, INC. $265,000 n/a 0.1%
STEARNS LENDING, LLC $12,180,000 $265,000 -97.8% 0.1%
TruHome Solutions, LLC $265,000 n/a 0.1%
ADVANTIS $555,000 $255,000 -54.1% 0.1%
Loan Simple, Inc. $605,000 $255,000 -57.9% 0.1%
Cornerstone First Mortgage, Inc $245,000 n/a 0.1%
GENEVA FINANCIAL, LLC $1,870,000 $245,000 -86.9% 0.1%
GRANITE FEDERAL CREDIT UNION $245,000 n/a 0.1%
MLD MORTGAGE INC. $245,000 n/a 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $920,000 $245,000 -73.4% 0.1%
WRIGHT-PATT CREDIT UNION, INC. $245,000 n/a 0.1%
Figure Lending LLC $180,000 $240,000 33.3% 0.1%
Baxter Credit Union $235,000 n/a 0.1%
Capital Bank $235,000 n/a 0.1%
SAMMAMISH MORTGAGE COMPANY $235,000 n/a 0.1%
Wyndham Capital Mortgage, Inc. $870,000 $235,000 -73.0% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $450,000 $225,000 -50.0% 0.1%
Lakeview Community Capital, LLC $215,000 n/a 0.0%
Financial Partners Credit Union $205,000 n/a 0.0%
SOUND $205,000 n/a 0.0%
Washington Trust Bank $205,000 n/a 0.0%
First Guaranty Mortgage Corporation $195,000 n/a 0.0%
Magnolia Bank $1,825,000 $195,000 -89.3% 0.0%
NORTHROP GRUMMAN Federal Credit Union $195,000 n/a 0.0%
PLANET HOME LENDING, LLC $370,000 $195,000 -47.3% 0.0%
AMERICAN HERITAGE LENDING, INC. $175,000 n/a 0.0%
PacWest Funding Inc. $945,000 $175,000 -81.5% 0.0%
Signature Federal Credit Union $175,000 n/a 0.0%
TWINSTAR $155,000 $175,000 12.9% 0.0%
ROYAL UNITED MORTGAGE LLC $370,000 $170,000 -54.1% 0.0%
FAY SERVICING, LLC $165,000 n/a 0.0%
Pinnacle Bank $155,000 n/a 0.0%
iQ Credit Union $85,000 $150,000 76.5% 0.0%
Peoples Bank $145,000 n/a 0.0%
21ST MORTGAGE CORPORATION $115,000 n/a 0.0%
Gallic & Johnson, LLC $85,000 n/a 0.0%
OREGONIANS CREDIT UNION $65,000 n/a 0.0%
FIBRE FEDERAL CREDIT UNION $55,000 n/a 0.0%

Coos Bay's top lender by overall market share is GUILD MORTGAGE COMPANY, with 13.3% market share. In second place, with 8.0%, is Umpqua Bank, having originated $34,300,000 in loans. In third place, with 7.7%, is QUICKEN LOANS, LLC, having originated $32,945,000 in loans. In fourth place, with 6.3%, is Banner Bank, having originated $27,310,000 in loans. In fifth place, with 4.7%, is DIRECTORS MORTGAGE, INC., having originated $20,055,000 in loans.


Coos Bay Housing Market Trends (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 $264,500 (2.1%) $375,288 (10.6%) 0.00 255
2018-02-01 $255,000 (6.7%) $358,366 (8.1%) 0.00 264
2018-03-01 $260,000 (-4.0%) $368,325 (8.9%) 0.00 264
2018-04-01 $289,950 (3.9%) $384,347 (8.0%) 0.00 256
2018-05-01 $294,450 (-1.3%) $387,459 (7.3%) 0.00 263
2018-06-01 $275,000 (-7.9%) $368,719 (-1.0%) 0.00 317
2018-07-01 $271,175 (-7.3%) $365,216 (-3.9%) 0.00 355
2018-08-01 $271,175 (-3.9%) $363,050 (-2.1%) 0.00 359
2018-09-01 $269,000 (-3.6%) $367,307 (1.2%) 0.00 348
2018-10-01 $265,000 (-7.6%) $362,427 (-2.1%) 0.00 327
2018-11-01 $265,000 (-1.8%) $364,341 (-0.2%) 0.00 278
2018-12-01 $264,450 (-2.1%) $367,105 (-4.7%) 0.00 250
2019-01-01 $257,500 (-2.7%) $362,876 (-3.3%) 0.00 232
2019-02-01 $282,000 (10.6%) $373,025 (4.1%) 0.00 227
2019-03-01 $289,429 (11.3%) $372,398 (1.1%) 0.00 230
2019-04-01 $290,000 (0.0%) $372,253 (-3.2%) 0.00 238
2019-05-01 $289,250 (-1.8%) $373,320 (-3.7%) 0.00 250
2019-06-01 $289,000 (5.1%) $368,781 (0.0%) 0.00 302
2019-07-01 $289,500 (6.8%) $374,932 (2.7%) 0.00 308
2019-08-01 $311,909 (15.0%) $394,362 (8.6%) 0.00 309
2019-09-01 $315,898 (17.4%) $398,091 (8.4%) 0.00 307
2019-10-01 $318,557 (20.2%) $395,002 (9.0%) 0.00 296
2019-11-01 $319,900 (20.7%) $457,244 (25.5%) 0.00 274
2019-12-01 $319,700 (20.9%) $465,215 (26.7%) 0.00 240
2020-01-01 $322,500 (25.2%) $466,809 (28.6%) 0.00 226
2020-02-01 $319,500 (13.3%) $470,264 (26.1%) 0.00 217
2020-03-01 $318,000 (9.9%) $442,137 (18.7%) 0.00 228
2020-04-01 $303,500 (4.7%) $435,211 (16.9%) 0.00 236
2020-05-01 $319,000 (10.3%) $438,195 (17.4%) 0.00 221
2020-06-01 $345,000 (19.4%) $477,679 (29.5%) 0.00 184
2020-07-01 $331,375 (14.5%) $477,557 (27.4%) 0.00 173
2020-08-01 $339,999 (9.0%) $505,139 (28.1%) 0.00 150
2020-09-01 $348,750 (10.4%) $550,977 (38.4%) 0.00 137
2020-10-01 $350,000 (9.9%) $561,383 (42.1%) 0.00 125
2020-11-01 $351,250 (9.8%) $468,696 (2.5%) 0.00 126
2020-12-01 $294,250 (-8.0%) $440,909 (-5.2%) 0.00 109
2021-01-01 $317,500 (-1.6%) $450,861 (-3.4%) 0.00 90
2021-02-01 $267,250 (-16.4%) $430,722 (-8.4%) 0.00 77
2021-03-01 $334,500 (5.2%) $446,676 (1.0%) 0.00 85
2021-04-01 $349,000 (15.0%) $454,435 (4.4%) 0.00 88
2021-05-01 $325,000 (1.9%) $464,875 (6.1%) 0.00 104
2021-06-01 $337,250 (-2.3%) $445,806 (-6.7%) 0.00 125
2021-07-01 $350,000 (5.6%) $460,968 (-3.5%) 0.00 146
2021-08-01 $362,500 (6.6%) $509,644 (0.9%) 0.00 159
2021-09-01 $366,250 (5.0%) $543,487 (-1.4%) 0.00 147
2021-10-01 $359,000 (2.6%) $556,166 (-0.9%) 0.00 132
2021-11-01 $372,450 (6.0%) $600,994 (28.2%) 0.00 121
2021-12-01 $363,500 (23.5%) $586,723 (33.1%) 0.00 99
2022-01-01 $399,000 (25.7%) $609,232 (35.1%) 0.00 79
2022-02-01 $388,250 (45.3%) $643,819 (49.5%) 0.00 73
2022-03-01 $432,500 (29.3%) $645,280 (44.5%) 0.00 80
2022-04-01 $412,500 (18.2%) $607,704 (33.7%) 0.00 96
2022-05-01 $399,725 (23.0%) $575,052 (23.7%) 0.00 106
2022-06-01 $416,894 (23.6%) $562,049 (26.1%) 0.00 135
2022-07-01 $409,000 (16.9%) $539,950 (17.1%) 0.00 162
2022-08-01 $431,200 (19.0%) $552,077 (8.3%) 0.00 179
2022-09-01 $423,000 (15.5%) $559,928 (3.0%) 0.00 176
2022-10-01 $429,000 (19.5%) $568,395 (2.2%) 0.00 175
2022-11-01 $428,500 (15.1%) $564,280 (-6.1%) 0.00 177
2022-12-01 $425,000 (16.9%) $585,800 (-0.2%) 0.00 154
2023-01-01 $442,250 (10.8%) $606,695 (-0.4%) 0.00 152
2023-02-01 $448,250 (15.5%) $583,878 (-9.3%) 0.00 145
2023-03-01 $440,250 (1.8%) $579,355 (-10.2%) 0.00 135
2023-04-01 $439,000 (6.4%) $563,718 (-7.2%) 0.00 147
2023-05-01 $427,500 (7.0%) $553,686 (-3.7%) 0.00 170
2023-06-01 $454,500 (9.0%) $580,119 (3.2%) 0.00 190
2023-07-01 $449,000 (9.8%) $574,647 (6.4%) 0.00 235
2023-08-01 $449,700 (4.3%) $594,908 (7.8%) 0.00 242
2023-09-01 $435,000 (2.8%) $584,560 (4.4%) 0.00 228
2023-10-01 $439,000 (2.3%) $604,660 (6.4%) 0.00 222
2023-11-01 $426,000 (-0.6%) $600,918 (6.5%) 0.00 225
2023-12-01 $429,000 (0.9%) $601,317 (2.7%) 0.00 210
Coos Bay's median listing price for 2023-12-01 was $429,000, a difference of $4,000 (0.9%) versus the prior year and $3,000 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 2023-12-01 was $601,317, a difference of $15,517 (2.7%) versus the prior year and $399 versus the prior month.

For the 2023-12-01 period, Coos Bay had 210 MLS listings, a difference of -15 listings (-7%) versus the prior month and 56 listings (36%) 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 1,730 sqft
2018-02-01 0 days 1,744 sqft
2018-03-01 0 days 1,787 sqft
2018-04-01 0 days 1,841 sqft
2018-05-01 0 days 1,800 sqft
2018-06-01 0 days 1,781 sqft
2018-07-01 0 days 1,755 sqft
2018-08-01 0 days 1,738 sqft
2018-09-01 0 days 1,773 sqft
2018-10-01 0 days 1,780 sqft
2018-11-01 0 days 1,774 sqft
2018-12-01 0 days 1,736 sqft
2019-01-01 0 days 1,729 sqft
2019-02-01 0 days 1,751 sqft
2019-03-01 0 days 1,743 sqft
2019-04-01 0 days 1,725 sqft
2019-05-01 0 days 1,736 sqft
2019-06-01 0 days 1,728 sqft
2019-07-01 0 days 1,765 sqft
2019-08-01 0 days 1,805 sqft
2019-09-01 0 days 1,814 sqft
2019-10-01 0 days 1,825 sqft
2019-11-01 0 days 1,845 sqft
2019-12-01 0 days 1,836 sqft
2020-01-01 0 days 1,798 sqft
2020-02-01 0 days 1,882 sqft
2020-03-01 0 days 1,844 sqft
2020-04-01 0 days 1,826 sqft
2020-05-01 0 days 1,860 sqft
2020-06-01 0 days 1,877 sqft
2020-07-01 0 days 1,869 sqft
2020-08-01 0 days 1,873 sqft
2020-09-01 0 days 1,860 sqft
2020-10-01 0 days 1,838 sqft
2020-11-01 0 days 1,693 sqft
2020-12-01 0 days 1,508 sqft
2021-01-01 0 days 1,680 sqft
2021-02-01 0 days 1,646 sqft
2021-03-01 0 days 1,698 sqft
2021-04-01 0 days 1,634 sqft
2021-05-01 0 days 1,582 sqft
2021-06-01 0 days 1,650 sqft
2021-07-01 0 days 1,759 sqft
2021-08-01 0 days 1,795 sqft
2021-09-01 0 days 1,780 sqft
2021-10-01 0 days 1,693 sqft
2021-11-01 0 days 1,686 sqft
2021-12-01 0 days 1,701 sqft
2022-01-01 0 days 1,708 sqft
2022-02-01 0 days 1,583 sqft
2022-03-01 0 days 1,728 sqft
2022-04-01 0 days 1,786 sqft
2022-05-01 0 days 1,752 sqft
2022-06-01 0 days 1,654 sqft
2022-07-01 0 days 1,616 sqft
2022-08-01 0 days 1,683 sqft
2022-09-01 0 days 1,693 sqft
2022-10-01 0 days 1,825 sqft
2022-11-01 0 days 1,746 sqft
2022-12-01 0 days 1,823 sqft
2023-01-01 0 days 1,784 sqft
2023-02-01 0 days 1,782 sqft
2023-03-01 0 days 1,762 sqft
2023-04-01 0 days 1,756 sqft
2023-05-01 0 days 1,802 sqft
2023-06-01 0 days 1,831 sqft
2023-07-01 0 days 1,798 sqft
2023-08-01 0 days 1,820 sqft
2023-09-01 0 days 1,763 sqft
2023-10-01 0 days 1,722 sqft
2023-11-01 0 days 1,742 sqft
2023-12-01 0 days 1,760 sqft
Coos Bay's median listing age (time on market) for 2023-12-01 was 0 days.

Coos Bay's median square footage for active listings during the 2023-12-01 period was 1,760 sqft. One year prior, the average listing was 1,823 sqft.

Coos Bay, OR Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 845 $265,795,000 $314,550
Cash Out Refi 384 $92,050,000 $239,714
Home Improvement 200 $16,870,000 $84,350
Refi 186 $41,580,000 $223,548
Other 128 $14,060,000 $109,844

Coos Bay's most frequently cited loan purpose was Home Purchase, with 845 originations. The 2nd most popular reason was Cash Out Refi, with 384 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 464 $111,040,000 $239,310
4-5% 393 $115,555,000 $294,033
5-6% 387 $98,295,000 $253,992
6-7% 198 $52,130,000 $263,283
2.5-3% 146 $26,730,000 $183,082
7-8% 78 $14,090,000 $180,641
Over 8% 47 $4,595,000 $97,766
<2.5% 28 $6,850,000 $244,643

During 2022, Coos Bay's most frequently originated rate bucket was 3-4%, with 464 originations.

Loan Sizing (Coos Bay, OR MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 829 $234,125,000 $282,419
$100k-200k 406 $59,980,000 $147,734
$100,000 or less 289 $15,895,000 $55,000
$400k-600k 176 $83,120,000 $472,273
$600k-1000k 37 $25,445,000 $687,703
$Over $1MM 6 $11,790,000 $1,965,000

Coos Bay's loan sizing saw the bucket of loans from $200k-400k with 829 originations, totaling $234,125,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 542 $178,760,000 $329,815
60-80% 456 $138,720,000 $304,211
40-60% 279 $60,595,000 $217,186
20-40% 220 $26,630,000 $121,045
Under 20% 212 $11,070,000 $52,217
Over 100% 22 $8,300,000 $377,273

Coos Bay's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 542 originations, totaling $178,760,000 in origination value.