Coos Bay Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Coos Bay averaged
6.91%
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
7.04% and
one month ago for the week of 2025-05-15, the
average rate was 7.01%.
Coos Bay's average rate one year ago was 6.95%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.71%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Coos Bay 30 Year Fixed Rate | 2025-06-18 | 6.91% |
| Coos Bay 30 Year Fixed Rate Refi | 2025-06-18 | 6.71% |
| Coos Bay 15 Year Fixed Rate | 2025-06-18 | 6.06% |
| Coos Bay 15 Year Fixed Rate Refi | 2025-06-18 | 6.36% |
| Coos Bay 30 Year FHA | 2025-06-18 | -0.23% |
| Coos Bay 30 Year FHA Refi | 2025-06-18 | -0.1% |
| Coos Bay 30 Year USDA | 2025-06-18 | -0.1% |
| Coos Bay 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Coos Bay 30 Year VA | 2025-06-18 | -0.01% |
| Coos Bay 30 Year VA Refi | 2025-06-18 | 0% |
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.).
Coos Bay Average Closing Costs & Other Stats
Coos Bay, OR's 96 lenders originated 1,350
loans during 2024. The total origination value was $317,590,000, with an average loan value of
$235,252.
Coos Bay's average closing costs are $6,431.
The top Coos Bay lender as defined by loan originations is GUILD MORTGAGE COMPANY, with
61 loans originated. Their average total fees are
$8,839, which is $718
lower than the next largest lender,
DIRECTORS MORTGAGE, INC..
The lowest fee Coos Bay lenders (with over 10 loans originated) are
Umpqua Bank ($4,528), ROGUE ($4,782), FIRST COMMUNITY ($5,453), Banner Bank ($6,968) and QUICKEN LOANS, LLC ($7,712).
The lowest rate Coos Bay lenders (with over 10 loans originated) are
FIRST COMMUNITY (5.51%), ROGUE (6.46%), Banner Bank (6.57%), CROSSCOUNTRY MORTGAGE, LLC (6.62%) and DIRECTORS MORTGAGE, INC. (6.63%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | $38,620,000 | $40,240,000 | 4.2% | 12.7% |
| DIRECTORS MORTGAGE, INC. | $12,160,000 | $26,890,000 | 121.1% | 8.5% |
| FIRST COMMUNITY | $13,240,000 | $23,590,000 | 78.2% | 7.4% |
| Banner Bank | $19,470,000 | $20,755,000 | 6.6% | 6.5% |
| QUICKEN LOANS, LLC | $20,480,000 | $20,495,000 | 0.1% | 6.5% |
| Umpqua Bank | $12,210,000 | $14,145,000 | 15.8% | 4.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $9,725,000 | $12,710,000 | 30.7% | 4.0% |
| Mortgage Research Center, LLC | $6,980,000 | $10,280,000 | 47.3% | 3.2% |
| ROGUE | $5,755,000 | $9,310,000 | 61.8% | 2.9% |
| NEWREZ LLC | $1,780,000 | $7,885,000 | 343.0% | 2.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $5,580,000 | $5,980,000 | 7.2% | 1.9% |
| TWINSTAR | $6,425,000 | $5,020,000 | -21.9% | 1.6% |
| BROKER SOLUTIONS, INC. | $1,340,000 | $4,435,000 | 231.0% | 1.4% |
| FREEDOM MORTGAGE CORPORATION | $1,080,000 | $4,145,000 | 283.8% | 1.3% |
| LOANDEPOT.COM, LLC | $1,590,000 | $4,035,000 | 153.8% | 1.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,630,000 | $4,025,000 | 53.0% | 1.3% |
| Century Mortgage Company DBA Century Lending Company | $1,400,000 | $3,350,000 | 139.3% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $2,550,000 | $3,075,000 | 20.6% | 1.0% |
| U.S. Bank | $4,635,000 | $2,885,000 | -37.8% | 0.9% |
| GUARANTEED RATE, INC. | $2,185,000 | $2,625,000 | 20.1% | 0.8% |
| JPMorgan Chase Bank | $1,970,000 | $2,570,000 | 30.5% | 0.8% |
| Flagstar Bank, FSB | $105,000 | $2,440,000 | 2,223.8% | 0.8% |
| CANOPY MORTGAGE, LLC | $1,180,000 | $2,135,000 | 80.9% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $3,115,000 | $2,100,000 | -32.6% | 0.7% |
| SUCCESS MORTGAGE PARTNERS, INC. | $930,000 | $1,945,000 | 109.1% | 0.6% |
| American Mortgage & Equity Consultants, Inc. | $1,875,000 | n/a | 0.6% | |
| VILLAGE CAPITAL MORTGAGE | $830,000 | $1,605,000 | 93.4% | 0.5% |
| Wells Fargo Bank | $2,905,000 | $1,575,000 | -45.8% | 0.5% |
| Washington Federal Bank | $740,000 | $1,560,000 | 110.8% | 0.5% |
| CMG MORTGAGE, INC. | $1,900,000 | $1,490,000 | -21.6% | 0.5% |
| Sierra Pacific Mortgage Company, Inc. | $1,925,000 | $1,485,000 | -22.9% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,335,000 | $1,480,000 | 10.9% | 0.5% |
| MORTGAGE EXPRESS, LLC | $1,140,000 | $1,475,000 | 29.4% | 0.5% |
| CALCON MUTUAL MORTGAGE LLC | $475,000 | $1,465,000 | 208.4% | 0.5% |
| USAA Federal Savings Bank | $2,955,000 | $1,405,000 | -52.5% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $955,000 | $1,370,000 | 43.5% | 0.4% |
| PNC Bank | $75,000 | $1,330,000 | 1,673.3% | 0.4% |
| OREGON COMMUNITY | $225,000 | $1,310,000 | 482.2% | 0.4% |
| ALLIANT CREDIT UNION | $225,000 | $1,300,000 | 477.8% | 0.4% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $1,195,000 | $1,210,000 | 1.3% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $660,000 | $1,090,000 | 65.2% | 0.3% |
| Northwest Farm Credit Services, FLCA | $1,085,000 | n/a | 0.3% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,095,000 | $1,020,000 | -6.8% | 0.3% |
| Oregon Pacific Banking Company | $11,740,000 | $1,020,000 | -91.3% | 0.3% |
| Willamette Valley Bank | $1,520,000 | $1,020,000 | -32.9% | 0.3% |
| CHURCHILL MORTGAGE CORPORATION | $1,135,000 | $1,005,000 | -11.5% | 0.3% |
| MOVEMENT MORTGAGE, LLC | $1,315,000 | $990,000 | -24.7% | 0.3% |
| TRIAD FINANCIAL SERVICES, INC. | $830,000 | $985,000 | 18.7% | 0.3% |
| Morgan Stanley Private Bank | $205,000 | $940,000 | 358.5% | 0.3% |
| Carrington Mortgage Services, LLC | $1,175,000 | $930,000 | -20.9% | 0.3% |
| ISERVE RESIDENTIAL LENDING, LLC | $915,000 | n/a | 0.3% | |
| Sunflower Bank | $915,000 | n/a | 0.3% | |
| UBS Bank USA | $905,000 | n/a | 0.3% | |
| NEXERA HOLDING LLC | $845,000 | n/a | 0.3% | |
| Bank of America | $540,000 | $840,000 | 55.6% | 0.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $445,000 | $815,000 | 83.1% | 0.3% |
| First Federal Bank | $810,000 | n/a | 0.3% | |
| PLAZA HOME MORTGAGE, INC. | $265,000 | $810,000 | 205.7% | 0.3% |
| LENDINGHOME FUNDING CORPORATION | $245,000 | $785,000 | 220.4% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $595,000 | $750,000 | 26.1% | 0.2% |
| SUMMIT MORTGAGE CORPORATION | $1,710,000 | $730,000 | -57.3% | 0.2% |
| MEGASTAR FINANCIAL CORP. | $715,000 | n/a | 0.2% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,210,000 | $705,000 | -41.7% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,215,000 | $685,000 | -43.6% | 0.2% |
| First Interstate Bank | $600,000 | $685,000 | 14.2% | 0.2% |
| LOANPAL, LLC | $685,000 | n/a | 0.2% | |
| LPMC, LLC | $235,000 | $680,000 | 189.4% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $670,000 | n/a | 0.2% | |
| Nations Lending Corporation | $935,000 | $670,000 | -28.3% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $670,000 | n/a | 0.2% | |
| ZILLOW HOME LOANS, LLC | $345,000 | $640,000 | 85.5% | 0.2% |
| Charles Schwab Bank, SSB | $635,000 | n/a | 0.2% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $625,000 | n/a | 0.2% | |
| Franklin Loan Corporation | $620,000 | n/a | 0.2% | |
| TruHome Solutions, LLC | $620,000 | n/a | 0.2% | |
| The Loan Store, Inc. | $615,000 | n/a | 0.2% | |
| Commerce Home Mortgage, Inc. | $1,480,000 | $610,000 | -58.8% | 0.2% |
| Bank of England | $155,000 | $590,000 | 280.6% | 0.2% |
| LONGBRIDGE FINANCIAL, LLC | $370,000 | $585,000 | 58.1% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $570,000 | n/a | 0.2% | |
| The Federal Savings Bank | $1,290,000 | $550,000 | -57.4% | 0.2% |
| Vellum Mortgage, Inc. | $545,000 | n/a | 0.2% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,045,000 | $530,000 | -49.3% | 0.2% |
| GENEVA FINANCIAL, LLC | $525,000 | n/a | 0.2% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $535,000 | $510,000 | -4.7% | 0.2% |
| PHH Mortgage Corporation | $175,000 | $500,000 | 185.7% | 0.2% |
| Farmers Bank & Trust | $495,000 | n/a | 0.2% | |
| MID AMERICA MORTGAGE, INC. | $650,000 | $495,000 | -23.8% | 0.2% |
| NBKC BANK | $425,000 | $495,000 | 16.5% | 0.2% |
| ALL REVERSE MORTGAGE, INC. | $485,000 | n/a | 0.2% | |
| AMERICAN FINANCING CORPORATION | $355,000 | $475,000 | 33.8% | 0.1% |
| Armed Forces Bank | $475,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $255,000 | $475,000 | 86.3% | 0.1% |
| NEW DAY FINANCIAL, LLC | $660,000 | $455,000 | -31.1% | 0.1% |
| Boeing Employees Credit Union | $820,000 | $440,000 | -46.3% | 0.1% |
| AmeriHome Mortgage Company, LLC | $295,000 | $435,000 | 47.5% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $425,000 | n/a | 0.1% | |
| SELCO COMMUNITY | $440,000 | $410,000 | -6.8% | 0.1% |
| COMMUNITYAMERICA | $405,000 | n/a | 0.1% | |
| JMAC LENDING, INC. | $405,000 | n/a | 0.1% | |
| RANLIFE, INC. | $405,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $295,000 | $400,000 | 35.6% | 0.1% |
| SAMMAMISH MORTGAGE COMPANY | $400,000 | n/a | 0.1% | |
| RESIDENTIAL MORTGAGE, LLC | $385,000 | n/a | 0.1% | |
| IDAHO CENTRAL | $375,000 | n/a | 0.1% | |
| The Central Trust Bank | $315,000 | $375,000 | 19.0% | 0.1% |
| Figure Lending LLC | $840,000 | $370,000 | -56.0% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $335,000 | $365,000 | 9.0% | 0.1% |
| State Department Federal Credit Union | $365,000 | n/a | 0.1% | |
| 1st Security Bank of Washington | $195,000 | $355,000 | 82.1% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $355,000 | n/a | 0.1% | |
| CHEVRON | $355,000 | n/a | 0.1% | |
| MLD MORTGAGE INC. | $975,000 | $355,000 | -63.6% | 0.1% |
| ONY GLO, INC. | $355,000 | n/a | 0.1% | |
| Credence Funding Corporation | $335,000 | n/a | 0.1% | |
| INTERCAP LENDING INC. | $335,000 | n/a | 0.1% | |
| Magnolia Bank | $345,000 | $335,000 | -2.9% | 0.1% |
| Oregon State Credit Union | $230,000 | $330,000 | 43.5% | 0.1% |
| NexBank | $325,000 | n/a | 0.1% | |
| NuVision Federal Credit Union | $275,000 | $325,000 | 18.2% | 0.1% |
| Presidential Bank, FSB | $205,000 | $325,000 | 58.5% | 0.1% |
| DAS Acquisition Company, LLC | $315,000 | n/a | 0.1% | |
| American Airlines Federal Credit Union | $305,000 | n/a | 0.1% | |
| Ixonia Bank | $4,475,000 | $295,000 | -93.4% | 0.1% |
| S1L, Inc. | $975,000 | $295,000 | -69.7% | 0.1% |
| Discover Bank | $620,000 | $290,000 | -53.2% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $285,000 | n/a | 0.1% | |
| Loan Simple, Inc. | $440,000 | $285,000 | -35.2% | 0.1% |
| Rivermark Community Credit Union | $285,000 | n/a | 0.1% | |
| OnPoint Community Credit Union | $1,590,000 | $280,000 | -82.4% | 0.1% |
| INTELLILOAN, INC. | $275,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $275,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $925,000 | $265,000 | -71.4% | 0.1% |
| MARION AND POLK SCHOOLS CREDIT UNION | $455,000 | $250,000 | -45.1% | 0.1% |
| M&T Bank | $245,000 | n/a | 0.1% | |
| NATIONS DIRECT MORTGAGE, LLC | $1,255,000 | $245,000 | -80.5% | 0.1% |
| T2 FINANCIAL LLC | $245,000 | n/a | 0.1% | |
| HighTechLending Inc | $260,000 | $240,000 | -7.7% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $235,000 | $225,000 | -4.3% | 0.1% |
| First National Bank of America | $225,000 | n/a | 0.1% | |
| LIBERTY HOME MORTGAGE CORPORATION | $185,000 | $215,000 | 16.2% | 0.1% |
| SUMMIT FUNDING, INC. | $2,975,000 | $215,000 | -92.8% | 0.1% |
| Citadel Servicing Corporation | $205,000 | n/a | 0.1% | |
| The Huntington National Bank | $205,000 | n/a | 0.1% | |
| HomeStreet Bank | $205,000 | $195,000 | -4.9% | 0.1% |
| KeyBank | $1,165,000 | $195,000 | -83.3% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $155,000 | $195,000 | 25.8% | 0.1% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $195,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $185,000 | $180,000 | -2.7% | 0.1% |
| Coastal Community Bank | $215,000 | $170,000 | -20.9% | 0.1% |
| Citibank | $165,000 | n/a | 0.1% | |
| FIRST TECHNOLOGY | $715,000 | $150,000 | -79.0% | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $570,000 | $135,000 | -76.3% | 0.0% |
| SPRING EQ, LLC | $135,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $315,000 | $115,000 | -63.5% | 0.0% |
| BAY EQUITY LLC | $1,210,000 | $105,000 | -91.3% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $105,000 | n/a | 0.0% | |
| KINECTA | $105,000 | n/a | 0.0% | |
| Liberty Savings Bank, F.S.B. | $105,000 | n/a | 0.0% | |
| MOUNTAIN WEST FINANCIAL, INC. | $105,000 | n/a | 0.0% | |
| Consolidated Federal Credit Union | $95,000 | n/a | 0.0% | |
| BETTER MORTGAGE CORPORATION | $185,000 | $75,000 | -59.5% | 0.0% |
| MOUNTAIN AMERICA | $335,000 | $70,000 | -79.1% | 0.0% |
| GEORGIA'S OWN | $55,000 | n/a | 0.0% | |
| Point West Credit Union | $35,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $35,000 | n/a | 0.0% |
Coos Bay's top lender by overall market share is GUILD MORTGAGE COMPANY, with 12.7% market share. In second place, with 8.5%, is DIRECTORS MORTGAGE, INC., having originated $26,890,000 in loans. In third place, with 7.4%, is FIRST COMMUNITY, having originated $23,590,000 in loans. In fourth place, with 6.5%, is Banner Bank, having originated $20,755,000 in loans. In fifth place, with 6.5%, is QUICKEN LOANS, LLC, having originated $20,495,000 in loans.
Coos Bay, OR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 647 | $203,365,000 | $314,320 |
| Cash Out Refi | 229 | $46,395,000 | $202,598 |
| Home Improvement | 204 | $17,340,000 | $85,000 |
| Refi | 148 | $38,710,000 | $261,554 |
| Other | 122 | $11,780,000 | $96,557 |
Coos Bay's most frequently cited loan purpose was Home Purchase, with 647 originations. The 2nd most popular reason was Cash Out Refi, with 229 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 545 | $148,135,000 | $271,807 |
| Over 8% | 317 | $31,675,000 | $99,921 |
| 5-6% | 226 | $66,630,000 | $294,823 |
| 7-8% | 220 | $58,820,000 | $267,364 |
| 4-5% | 28 | $9,650,000 | $344,643 |
| <2.5% | 6 | $330,000 | $55,000 |
| 3-4% | 4 | $1,280,000 | $320,000 |
During 2024, Coos Bay's most frequently originated rate bucket was 6-7%, with 545 originations.
Loan Sizing (Coos Bay, OR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 599 | $173,245,000 | $289,224 |
| $100,000 or less | 337 | $17,985,000 | $53,368 |
| $100k-200k | 243 | $35,365,000 | $145,535 |
| $400k-600k | 143 | $67,895,000 | $474,790 |
| $600k-1000k | 23 | $16,145,000 | $701,957 |
| $Over $1MM | 5 | $6,955,000 | $1,391,000 |
Coos Bay's loan sizing saw the bucket of loans from $200k-400k with 599 originations, totaling $173,245,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 427 | $143,745,000 | $336,639 |
| Under 20% | 276 | $14,820,000 | $53,696 |
| 60-80% | 258 | $82,740,000 | $320,698 |
| 20-40% | 179 | $22,105,000 | $123,492 |
| 40-60% | 149 | $33,115,000 | $222,248 |
| Over 100% | 32 | $12,150,000 | $379,688 |
Coos Bay's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 427 originations, totaling $143,745,000 in origination value.