EUGENE - SPRINGFIELD Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Eugene - Springfield averaged
6.99%
for the week of 2024-11-07, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2024-10-31) was
6.62% and
one month ago for the week of 2024-10-03, the
average rate was 6.22%.
Eugene - Springfield's average rate one year ago was 7.96%.
For refis of the same type during the week of 2024-11-07, the average rate
was 7.18%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-07 | 6.79% |
| Eugene - Springfield 30 Year Fixed Rate | 2024-11-07 | 6.99% |
| Eugene - Springfield 30 Year Fixed Rate Refi | 2024-11-07 | 7.18% |
| Eugene - Springfield 15 Year Fixed Rate | 2024-11-07 | 5.9% |
| Eugene - Springfield 15 Year Fixed Rate Refi | 2024-11-07 | 6.2% |
| Eugene - Springfield 30 Year FHA | 2024-11-07 | 5.89% |
| Eugene - Springfield 30 Year FHA Refi | 2024-11-07 | 6.23% |
| Eugene - Springfield 30 Year USDA | 2024-11-07 | 6.38% |
| Eugene - Springfield 30 Year USDA Refi | 2024-11-07 | 6.68% |
| Eugene - Springfield 30 Year VA | 2024-11-07 | 5.97% |
| Eugene - Springfield 30 Year VA Refi | 2024-11-07 | 6.14% |
EUGENE - SPRINGFIELD 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 EUGENE-SPRINGFIELD, 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.).
EUGENE - SPRINGFIELD Average Closing Costs & Other Stats
EUGENE-SPRINGFIELD, OR's 163 lenders originated 6,416
loans during 2023. The total origination value was $1,664,910,000, with an average loan value of
$259,493.
EUGENE - SPRINGFIELD's average closing costs are $6,155.
The top EUGENE - SPRINGFIELD lender as defined by loan originations is SUMMIT FUNDING, INC., with
218 loans originated. Their average total fees are
$11,132, which is $1,193
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee EUGENE - SPRINGFIELD lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($4,172), OnPoint Community Credit Union ($4,272), Wells Fargo Bank ($4,660), SELCO COMMUNITY ($4,986) and FIRST TECHNOLOGY ($5,287).
The lowest rate EUGENE - SPRINGFIELD lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.98%), EAGLE HOME MORTGAGE, LLC (6.10%), SELCO COMMUNITY (6.19%), Mr. Cooper ( Nationstar Mortgage ) (6.21%) and PROVIDENT FUNDING ASSOCIATES, L.P. (6.31%).
EUGENE-SPRINGFIELD, 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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| SUMMIT FUNDING, INC. | $244,750,000 | $142,220,000 | -41.9% | 8.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $111,645,000 | $129,265,000 | 15.8% | 7.8% |
| OREGON COMMUNITY | $226,515,000 | $95,505,000 | -57.8% | 5.7% |
| SELCO COMMUNITY | $94,630,000 | $86,925,000 | -8.1% | 5.2% |
| CMG MORTGAGE, INC. | $85,375,000 | $84,070,000 | -1.5% | 5.0% |
| QUICKEN LOANS, LLC | $146,800,000 | $57,720,000 | -60.7% | 3.5% |
| GUILD MORTGAGE COMPANY | $90,805,000 | $55,175,000 | -39.2% | 3.3% |
| Umpqua Bank | $217,370,000 | $54,205,000 | -75.1% | 3.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $72,630,000 | $45,965,000 | -36.7% | 2.8% |
| LOANDEPOT.COM, LLC | $92,775,000 | $41,375,000 | -55.4% | 2.5% |
| DIRECTORS MORTGAGE, INC. | $60,620,000 | $39,975,000 | -34.1% | 2.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $16,385,000 | $39,145,000 | 138.9% | 2.4% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $33,175,000 | n/a | 2.0% | |
| DHI MORTGAGE COMPANY, LTD. | $33,720,000 | $31,430,000 | -6.8% | 1.9% |
| U.S. Bank | $86,720,000 | $30,150,000 | -65.2% | 1.8% |
| TWINSTAR | $265,000 | $29,015,000 | 10,849.1% | 1.7% |
| Banner Bank | $39,235,000 | $25,490,000 | -35.0% | 1.5% |
| Century Mortgage Company DBA Century Lending Company | $13,185,000 | $22,490,000 | 70.6% | 1.4% |
| OnPoint Community Credit Union | $27,205,000 | $22,290,000 | -18.1% | 1.3% |
| NEWREZ LLC | $11,115,000 | $22,155,000 | 99.3% | 1.3% |
| Oregon Pacific Banking Company | $16,295,000 | n/a | 1.0% | |
| Gallic & Johnson, LLC | $16,580,000 | $16,110,000 | -2.8% | 1.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $79,535,000 | $15,150,000 | -81.0% | 0.9% |
| Mortgage Research Center, LLC | $22,825,000 | $14,900,000 | -34.7% | 0.9% |
| MANN FINANCIAL INC. | $30,970,000 | $14,870,000 | -52.0% | 0.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $25,375,000 | $14,190,000 | -44.1% | 0.9% |
| MORTGAGE EXPRESS, LLC | $21,970,000 | $13,960,000 | -36.5% | 0.8% |
| JPMorgan Chase Bank | $40,580,000 | $13,665,000 | -66.3% | 0.8% |
| EAGLE HOME MORTGAGE, LLC | $5,570,000 | $12,295,000 | 120.7% | 0.7% |
| People's Bank of Commerce | $325,000 | $12,090,000 | 3,620.0% | 0.7% |
| Bank of America | $22,175,000 | $12,055,000 | -45.6% | 0.7% |
| NATIONS DIRECT MORTGAGE, LLC | $15,290,000 | $11,205,000 | -26.7% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $9,490,000 | $10,765,000 | 13.4% | 0.6% |
| FREEDOM MORTGAGE CORPORATION | $24,215,000 | $10,395,000 | -57.1% | 0.6% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $8,935,000 | $10,120,000 | 13.3% | 0.6% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $9,540,000 | n/a | 0.6% | |
| Wells Fargo Bank | $47,415,000 | $8,660,000 | -81.7% | 0.5% |
| Washington Federal Bank | $99,635,000 | $8,640,000 | -91.3% | 0.5% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $4,580,000 | $8,300,000 | 81.2% | 0.5% |
| PENNYMAC LOAN SERVICES, LLC | $29,185,000 | $8,130,000 | -72.1% | 0.5% |
| FIRST TECHNOLOGY | $10,775,000 | $7,760,000 | -28.0% | 0.5% |
| MOVEMENT MORTGAGE, LLC | $5,800,000 | $7,555,000 | 30.3% | 0.5% |
| Sierra Pacific Mortgage Company, Inc. | $20,685,000 | $7,330,000 | -64.6% | 0.4% |
| BROKER SOLUTIONS, INC. | $8,575,000 | $7,170,000 | -16.4% | 0.4% |
| The Huntington National Bank | $3,215,000 | $6,710,000 | 108.7% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $4,660,000 | $6,570,000 | 41.0% | 0.4% |
| KeyBank | $53,095,000 | $6,090,000 | -88.5% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $21,105,000 | $5,960,000 | -71.8% | 0.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $5,265,000 | $5,855,000 | 11.2% | 0.4% |
| TRIAD FINANCIAL SERVICES, INC. | $2,150,000 | $5,580,000 | 159.5% | 0.3% |
| Flagstar Bank, FSB | $15,835,000 | $5,525,000 | -65.1% | 0.3% |
| ROGUE | $2,930,000 | $5,465,000 | 86.5% | 0.3% |
| USAA Federal Savings Bank | $6,130,000 | $5,430,000 | -11.4% | 0.3% |
| LPMC, LLC | $8,705,000 | $5,075,000 | -41.7% | 0.3% |
| BMO Harris Bank | $1,990,000 | $5,025,000 | 152.5% | 0.3% |
| V.I.P. MORTGAGE, INC. | $4,375,000 | $5,025,000 | 14.9% | 0.3% |
| Willamette Valley Bank | $10,795,000 | $4,875,000 | -54.8% | 0.3% |
| Northwest Farm Credit Services, FLCA | $5,675,000 | $4,800,000 | -15.4% | 0.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,860,000 | $4,780,000 | 157.0% | 0.3% |
| Solarity Credit Union | $4,005,000 | n/a | 0.2% | |
| ALLIANT CREDIT UNION | $2,930,000 | $3,965,000 | 35.3% | 0.2% |
| ACADEMY MORTGAGE CORPORATION | $7,080,000 | $3,955,000 | -44.1% | 0.2% |
| SUCCESS MORTGAGE PARTNERS, INC. | $3,725,000 | n/a | 0.2% | |
| Heritage Bank | $33,205,000 | $3,715,000 | -88.8% | 0.2% |
| Discover Bank | $1,535,000 | $3,705,000 | 141.4% | 0.2% |
| BAY EQUITY LLC | $2,490,000 | $3,620,000 | 45.4% | 0.2% |
| CARDINAL FINANCIAL | $4,155,000 | $3,590,000 | -13.6% | 0.2% |
| AXIA FINANCIAL, LLC | $1,715,000 | $3,555,000 | 107.3% | 0.2% |
| Carrington Mortgage Services, LLC | $4,715,000 | $3,490,000 | -26.0% | 0.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $9,475,000 | $3,480,000 | -63.3% | 0.2% |
| SAMMAMISH MORTGAGE COMPANY | $1,560,000 | $3,420,000 | 119.2% | 0.2% |
| GUARANTEED RATE, INC. | $3,080,000 | $3,360,000 | 9.1% | 0.2% |
| PNC Bank | $28,135,000 | $3,360,000 | -88.1% | 0.2% |
| S1L, Inc. | $3,390,000 | $3,220,000 | -5.0% | 0.2% |
| PacWest Funding Inc. | $9,375,000 | $3,215,000 | -65.7% | 0.2% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $2,685,000 | $3,120,000 | 16.2% | 0.2% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $3,100,000 | n/a | 0.2% | |
| RED CANOE CREDIT UNION | $190,000 | $2,945,000 | 1,450.0% | 0.2% |
| Pacific Premier Bank | $2,805,000 | n/a | 0.2% | |
| AMERISAVE MORTGAGE CORPORATION | $13,820,000 | $2,725,000 | -80.3% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $1,420,000 | $2,595,000 | 82.7% | 0.2% |
| Arbor Realty Trust, Inc. | $2,590,000 | n/a | 0.2% | |
| Charles Schwab Bank, SSB | $2,285,000 | $2,590,000 | 13.3% | 0.2% |
| First Interstate Bank | $4,820,000 | $2,590,000 | -46.3% | 0.2% |
| ZILLOW HOME LOANS, LLC | $520,000 | $2,575,000 | 395.2% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $6,135,000 | $2,435,000 | -60.3% | 0.1% |
| FIRST COMMUNITY | $2,915,000 | $2,425,000 | -16.8% | 0.1% |
| Morgan Stanley Private Bank | $4,675,000 | $2,365,000 | -49.4% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $4,450,000 | $2,210,000 | -50.3% | 0.1% |
| CALIBER HOME LOANS, INC. | $80,220,000 | $2,175,000 | -97.3% | 0.1% |
| Northpointe Bank | $2,045,000 | $2,170,000 | 6.1% | 0.1% |
| Commerce Home Mortgage, Inc. | $4,180,000 | $2,100,000 | -49.8% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $3,400,000 | $2,095,000 | -38.4% | 0.1% |
| Ally Bank | $4,125,000 | $2,065,000 | -49.9% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $2,465,000 | $2,020,000 | -18.1% | 0.1% |
| Bank of the Pacific | $760,000 | $1,950,000 | 156.6% | 0.1% |
| NBKC BANK | $4,155,000 | $1,925,000 | -53.7% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $515,000 | $1,790,000 | 247.6% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $1,625,000 | $1,745,000 | 7.4% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $235,000 | $1,725,000 | 634.0% | 0.1% |
| GREYSTONE SERVICING COMPANY LLC | $36,155,000 | $1,715,000 | -95.3% | 0.1% |
| Rivermark Community Credit Union | $665,000 | $1,700,000 | 155.6% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,635,000 | n/a | 0.1% | |
| BNC National Bank | $890,000 | $1,610,000 | 80.9% | 0.1% |
| VERITAS FUNDING, LLC | $3,180,000 | $1,610,000 | -49.4% | 0.1% |
| First Federal Bank | $1,600,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $2,155,000 | $1,525,000 | -29.2% | 0.1% |
| 21ST MORTGAGE CORPORATION | $2,790,000 | $1,520,000 | -45.5% | 0.1% |
| HomeStreet Bank | $4,735,000 | $1,510,000 | -68.1% | 0.1% |
| Plains Commerce Bank | $275,000 | $1,480,000 | 438.2% | 0.1% |
| PHH Mortgage Corporation | $4,745,000 | $1,475,000 | -68.9% | 0.1% |
| TruHome Solutions, LLC | $2,445,000 | $1,450,000 | -40.7% | 0.1% |
| Franklin Loan Corporation | $960,000 | $1,430,000 | 49.0% | 0.1% |
| Figure Lending LLC | $3,155,000 | $1,425,000 | -54.8% | 0.1% |
| Unitus Community Credit Union | $2,415,000 | $1,425,000 | -41.0% | 0.1% |
| Oregon State Credit Union | $19,300,000 | $1,420,000 | -92.6% | 0.1% |
| ADVANTIS | $2,485,000 | $1,395,000 | -43.9% | 0.1% |
| AMWEST FUNDING CORP. | $255,000 | $1,355,000 | 431.4% | 0.1% |
| Truist | $2,155,000 | $1,350,000 | -37.4% | 0.1% |
| The Federal Savings Bank | $7,345,000 | $1,335,000 | -81.8% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $11,525,000 | $1,260,000 | -89.1% | 0.1% |
| NEW DAY FINANCIAL, LLC | $2,155,000 | $1,245,000 | -42.2% | 0.1% |
| BETTER MORTGAGE CORPORATION | $8,525,000 | $1,240,000 | -85.5% | 0.1% |
| LIMA ONE CAPITAL, LLC | $1,215,000 | n/a | 0.1% | |
| 1st Security Bank of Washington | $635,000 | $1,165,000 | 83.5% | 0.1% |
| Evolve Bank & Trust | $1,160,000 | n/a | 0.1% | |
| MidFirst Bank | $220,000 | $1,145,000 | 420.5% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $1,555,000 | $1,140,000 | -26.7% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,235,000 | $1,130,000 | -8.5% | 0.1% |
| HomeTrust Bank | $55,000 | $1,125,000 | 1,945.5% | 0.1% |
| Ixonia Bank | $315,000 | $1,125,000 | 257.1% | 0.1% |
| NexBank | $425,000 | $1,075,000 | 152.9% | 0.1% |
| SIRVA MORTGAGE, INC. | $1,415,000 | $1,060,000 | -25.1% | 0.1% |
| Loan Simple, Inc. | $930,000 | $1,055,000 | 13.4% | 0.1% |
| SUMMIT MORTGAGE CORPORATION | $3,050,000 | $1,055,000 | -65.4% | 0.1% |
| Prosperity Home Mortgage, LLC | $2,165,000 | $1,040,000 | -52.0% | 0.1% |
| Hometown Equity Mortgage, LLC | $1,035,000 | n/a | 0.1% | |
| ISERVE RESIDENTIAL LENDING, LLC | $1,030,000 | n/a | 0.1% | |
| Coastal Community Bank | $1,005,000 | n/a | 0.1% | |
| CANOPY MORTGAGE, LLC | $2,350,000 | $995,000 | -57.7% | 0.1% |
| NEXERA HOLDING LLC | $425,000 | $960,000 | 125.9% | 0.1% |
| CHERRY CREEK MORTGAGE, LLC | $8,900,000 | $945,000 | -89.4% | 0.1% |
| LENDSURE MORTGAGE CORP. | $570,000 | $935,000 | 64.0% | 0.1% |
| PACIFIC CASCADE FEDERAL CREDIT UNION | $2,815,000 | $915,000 | -67.5% | 0.1% |
| LADERA LENDING, INC. | $1,200,000 | $845,000 | -29.6% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $845,000 | n/a | 0.1% | |
| GoPrime Mortgage, Inc. | $405,000 | $840,000 | 107.4% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $9,840,000 | $820,000 | -91.7% | 0.0% |
| Presidential Bank, FSB | $625,000 | $805,000 | 28.8% | 0.0% |
| INTERCAP LENDING INC. | $790,000 | n/a | 0.0% | |
| Magnolia Bank | $1,415,000 | $770,000 | -45.6% | 0.0% |
| The Loan Store, Inc. | $770,000 | n/a | 0.0% | |
| Nations Lending Corporation | $3,265,000 | $760,000 | -76.7% | 0.0% |
| NFM, INC. | $720,000 | $760,000 | 5.6% | 0.0% |
| BNY Mellon | $755,000 | n/a | 0.0% | |
| PLANET HOME LENDING, LLC | $850,000 | $755,000 | -11.2% | 0.0% |
| RF Renovo Management Company, LLC | $750,000 | n/a | 0.0% | |
| RESIDENTIAL MORTGAGE, LLC | $740,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $3,185,000 | $735,000 | -76.9% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $2,160,000 | $720,000 | -66.7% | 0.0% |
| ARC HOME LLC | $390,000 | $670,000 | 71.8% | 0.0% |
| GENEVA FINANCIAL, LLC | $3,470,000 | $670,000 | -80.7% | 0.0% |
| OCMBC, INC. | $575,000 | $660,000 | 14.8% | 0.0% |
| GREENSTATE CREDIT UNION | $635,000 | n/a | 0.0% | |
| Academy Bank | $615,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $450,000 | $610,000 | 35.6% | 0.0% |
| First Western Trust Bank | $590,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $13,350,000 | $580,000 | -95.7% | 0.0% |
| Boeing Employees Credit Union | $3,650,000 | $540,000 | -85.2% | 0.0% |
| Old National Bank | $535,000 | n/a | 0.0% | |
| VISION ONE MORTGAGE, INC. | $535,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $130,000 | $530,000 | 307.7% | 0.0% |
| IDAHO CENTRAL | $215,000 | $525,000 | 144.2% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $515,000 | n/a | 0.0% | |
| NATIONS RELIABLE LENDING, LLC | $515,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $95,000 | $510,000 | 436.8% | 0.0% |
| BECKAM FUNDING CORP. | $535,000 | $495,000 | -7.5% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $1,410,000 | $485,000 | -65.6% | 0.0% |
| The Central Trust Bank | $485,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $3,455,000 | $475,000 | -86.3% | 0.0% |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION | $475,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $1,170,000 | $475,000 | -59.4% | 0.0% |
| 5TH STREET CAPITAL, INC. | $465,000 | n/a | 0.0% | |
| PENRITH HOME LOANS LLC | $645,000 | $465,000 | -27.9% | 0.0% |
| THRIVE MORTGAGE, LLC | $465,000 | n/a | 0.0% | |
| PREMIER AMERICA | $255,000 | $455,000 | 78.4% | 0.0% |
| SOVEREIGN LENDING GROUP INCORPORATED | $455,000 | n/a | 0.0% | |
| Mid Oregon Federal Credit Union | $820,000 | $450,000 | -45.1% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $1,005,000 | $445,000 | -55.7% | 0.0% |
| Alaska USA Federal Credit Union | $11,150,000 | $440,000 | -96.1% | 0.0% |
| GEORGIA'S OWN | $125,000 | $430,000 | 244.0% | 0.0% |
| Firefighters First Federal Credit Union | $765,000 | $425,000 | -44.4% | 0.0% |
| Gate City Bank | $425,000 | n/a | 0.0% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $3,365,000 | $415,000 | -87.7% | 0.0% |
| WINGS FINANCIAL | $1,060,000 | $415,000 | -60.8% | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $405,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,305,000 | $395,000 | -69.7% | 0.0% |
| Platte Valley Bank | $395,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $295,000 | $395,000 | 33.9% | 0.0% |
| M&T Bank | $490,000 | $390,000 | -20.4% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $175,000 | $385,000 | 120.0% | 0.0% |
| Strong Home Mortgage, LLC | $860,000 | $385,000 | -55.2% | 0.0% |
| Colonial Savings, F.A. | $1,355,000 | $375,000 | -72.3% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $960,000 | $375,000 | -60.9% | 0.0% |
| Toyota Financial Savings Bank | $175,000 | $375,000 | 114.3% | 0.0% |
| Watermark Capital, Inc. | $365,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $360,000 | n/a | 0.0% | |
| RANLIFE, INC. | $845,000 | $355,000 | -58.0% | 0.0% |
| ENVOY MORTGAGE, LTD | $650,000 | $345,000 | -46.9% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $345,000 | n/a | 0.0% | |
| Tri Counties Bank | $345,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $335,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $430,000 | $335,000 | -22.1% | 0.0% |
| Bell Bank | $325,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $325,000 | n/a | 0.0% | |
| GSF Mortgage Corporation | $2,400,000 | $325,000 | -86.5% | 0.0% |
| GTE Federal Credit Union | $505,000 | $325,000 | -35.6% | 0.0% |
| A&D Mortgage LLC | $1,865,000 | $315,000 | -83.1% | 0.0% |
| CLEARPATH LENDING | $895,000 | $315,000 | -64.8% | 0.0% |
| OPEN MORTGAGE, LLC | $1,200,000 | $310,000 | -74.2% | 0.0% |
| MERIWEST | $15,000 | $305,000 | 1,933.3% | 0.0% |
| MICHIGAN MUTUAL, INC. | $630,000 | $305,000 | -51.6% | 0.0% |
| NP, Inc. | $305,000 | n/a | 0.0% | |
| STANFORD Federal Credit Union | $715,000 | $305,000 | -57.3% | 0.0% |
| Cf Bank | $295,000 | n/a | 0.0% | |
| Greenbox Loans, Inc. | $295,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $1,260,000 | $285,000 | -77.4% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $265,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $265,000 | n/a | 0.0% | |
| Equity Prime Mortgage LLC | $1,495,000 | $255,000 | -82.9% | 0.0% |
| Gateway First Bank | $2,345,000 | $255,000 | -89.1% | 0.0% |
| North American Savings Bank, F.S.B. | $3,665,000 | $255,000 | -93.0% | 0.0% |
| OREGONIANS CREDIT UNION | $425,000 | $240,000 | -43.5% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $175,000 | $235,000 | 34.3% | 0.0% |
| United States Senate Federal Credit Union | $235,000 | n/a | 0.0% | |
| CANVAS CREDIT UNION | $225,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $530,000 | $205,000 | -61.3% | 0.0% |
| OAKTREE FUNDING CORP. | $970,000 | $205,000 | -78.9% | 0.0% |
| FIBRE FEDERAL CREDIT UNION | $505,000 | $195,000 | -61.4% | 0.0% |
| iQ Credit Union | $225,000 | $195,000 | -13.3% | 0.0% |
| ALL REVERSE MORTGAGE, INC. | $1,290,000 | $175,000 | -86.4% | 0.0% |
| Clackamas Federal Credit Union | $35,000 | $165,000 | 371.4% | 0.0% |
| JLB CORPORATION | $285,000 | $165,000 | -42.1% | 0.0% |
| UIF CORPORATION | $165,000 | n/a | 0.0% | |
| MARION AND POLK SCHOOLS CREDIT UNION | $3,475,000 | $145,000 | -95.8% | 0.0% |
| General Mortgage Capital Corporation | $125,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $125,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $105,000 | n/a | 0.0% | |
| USAGENCIES | $105,000 | n/a | 0.0% | |
| Connexus Credit Union | $95,000 | n/a | 0.0% | |
| WASHINGTON STATE EMPLOYEES Credit Union | $300,000 | $95,000 | -68.3% | 0.0% |
| Point West Credit Union | $85,000 | n/a | 0.0% | |
| Wauna Federal Credit Union | $85,000 | n/a | 0.0% | |
| CENTRAL WILLAMETTE Credit Union | $35,000 | $75,000 | 114.3% | 0.0% |
| GREENWOOD | $75,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $4,635,000 | $65,000 | -98.6% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $780,000 | $65,000 | -91.7% | 0.0% |
| SALAL | $375,000 | $65,000 | -82.7% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $55,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $2,390,000 | $25,000 | -99.0% | 0.0% |
| MOUNTAIN AMERICA | $630,000 | $15,000 | -97.6% | 0.0% |
EUGENE - SPRINGFIELD's top lender by overall market share is SUMMIT FUNDING, INC., with 8.5% market share. In second place, with 7.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $129,265,000 in loans. In third place, with 5.7%, is OREGON COMMUNITY, having originated $95,505,000 in loans. In fourth place, with 5.2%, is SELCO COMMUNITY, having originated $86,925,000 in loans. In fifth place, with 5.0%, is CMG MORTGAGE, INC., having originated $84,070,000 in loans.
EUGENE-SPRINGFIELD, OR Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 97324 | Eugene-Springfield, OR MSA | $900 | $960 | $1,160 | $1,650 | $1,960 |
| 97390 | Eugene-Springfield, OR MSA | $960 | $1,090 | $1,440 | $2,050 | $2,450 |
| 97401 | Eugene-Springfield, OR MSA | $980 | $1,120 | $1,470 | $2,090 | $2,500 |
| 97402 | Eugene-Springfield, OR MSA | $930 | $1,060 | $1,390 | $1,980 | $2,370 |
| 97403 | Eugene-Springfield, OR MSA | $1,000 | $1,140 | $1,500 | $2,130 | $2,560 |
| 97404 | Eugene-Springfield, OR MSA | $920 | $1,050 | $1,380 | $1,960 | $2,350 |
| 97405 | Eugene-Springfield, OR MSA | $960 | $1,090 | $1,440 | $2,050 | $2,450 |
| 97408 | Eugene-Springfield, OR MSA | $1,120 | $1,270 | $1,670 | $2,370 | $2,840 |
| 97409 | Eugene-Springfield, OR MSA | $900 | $1,030 | $1,350 | $1,920 | $2,300 |
| 97412 | Eugene-Springfield, OR MSA | $910 | $1,020 | $1,340 | $1,890 | $2,280 |
| 97413 | Eugene-Springfield, OR MSA | $750 | $870 | $1,130 | $1,610 | $1,940 |
| 97419 | Eugene-Springfield, OR MSA | $980 | $1,120 | $1,470 | $2,090 | $2,500 |
| 97424 | Eugene-Springfield, OR MSA | $830 | $940 | $1,240 | $1,760 | $2,110 |
| 97426 | Eugene-Springfield, OR MSA | $880 | $1,000 | $1,310 | $1,860 | $2,230 |
| 97430 | Eugene-Springfield, OR MSA | $900 | $1,030 | $1,350 | $1,920 | $2,300 |
| 97431 | Eugene-Springfield, OR MSA | $980 | $1,110 | $1,460 | $2,070 | $2,490 |
| 97434 | Eugene-Springfield, OR MSA | $750 | $870 | $1,130 | $1,610 | $1,940 |
| 97437 | Eugene-Springfield, OR MSA | $880 | $1,000 | $1,310 | $1,860 | $2,230 |
| 97438 | Eugene-Springfield, OR MSA | $860 | $980 | $1,290 | $1,840 | $2,200 |
| 97439 | Eugene-Springfield, OR MSA | $890 | $1,010 | $1,330 | $1,890 | $2,270 |
| 97440 | Eugene-Springfield, OR MSA | $900 | $1,030 | $1,350 | $1,920 | $2,300 |
| 97446 | Eugene-Springfield, OR MSA | $960 | $1,080 | $1,360 | $1,860 | $2,180 |
| 97448 | Eugene-Springfield, OR MSA | $900 | $960 | $1,240 | $1,760 | $2,110 |
| 97451 | Eugene-Springfield, OR MSA | $900 | $1,020 | $1,350 | $1,920 | $2,290 |
| 97452 | Eugene-Springfield, OR MSA | $830 | $940 | $1,240 | $1,760 | $2,110 |
| 97453 | Eugene-Springfield, OR MSA | $790 | $900 | $1,180 | $1,680 | $2,010 |
| 97454 | Eugene-Springfield, OR MSA | $940 | $1,070 | $1,410 | $2,000 | $2,400 |
| 97455 | Eugene-Springfield, OR MSA | $920 | $1,040 | $1,370 | $1,950 | $2,340 |
| 97456 | Eugene-Springfield, OR MSA | $900 | $960 | $1,150 | $1,630 | $1,960 |
| 97461 | Eugene-Springfield, OR MSA | $900 | $1,030 | $1,350 | $1,920 | $2,300 |
| 97463 | Eugene-Springfield, OR MSA | $750 | $870 | $1,130 | $1,610 | $1,940 |
| 97475 | Eugene-Springfield, OR MSA | $900 | $1,030 | $1,350 | $1,920 | $2,300 |
| 97477 | Eugene-Springfield, OR MSA | $850 | $960 | $1,270 | $1,800 | $2,160 |
| 97478 | Eugene-Springfield, OR MSA | $880 | $1,000 | $1,320 | $1,880 | $2,250 |
| 97480 | Eugene-Springfield, OR MSA | $880 | $1,000 | $1,320 | $1,870 | $2,250 |
| 97487 | Eugene-Springfield, OR MSA | $870 | $990 | $1,300 | $1,850 | $2,210 |
| 97488 | Eugene-Springfield, OR MSA | $930 | $1,060 | $1,390 | $1,980 | $2,370 |
| 97489 | Eugene-Springfield, OR MSA | $900 | $1,020 | $1,340 | $1,920 | $2,290 |
| 97490 | Eugene-Springfield, OR MSA | $900 | $1,030 | $1,350 | $1,920 | $2,300 |
| 97492 | Eugene-Springfield, OR MSA | $870 | $990 | $1,300 | $1,850 | $2,210 |
| 97493 | Eugene-Springfield, OR MSA | $750 | $870 | $1,130 | $1,610 | $1,940 |
| 97498 | Eugene-Springfield, OR MSA | $980 | $1,110 | $1,460 | $2,070 | $2,490 |
2022 Average & Median Rent Data Statistics
EUGENE-SPRINGFIELD, OR average 1BR rent: $1,017, median: $1,020
EUGENE-SPRINGFIELD, OR average 2BR rent: $1,329, median: $1,345
EUGENE-SPRINGFIELD, OR average 3BR rent: $1,888, median: $1,905
EUGENE-SPRINGFIELD, OR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 3,166 | $1,190,850,000 | $376,137 |
| Home Improvement | 1,211 | $103,035,000 | $85,083 |
| Other | 943 | $76,955,000 | $81,607 |
| Cash Out Refi | 609 | $188,295,000 | $309,187 |
| Refi | 487 | $105,775,000 | $217,197 |
Eugene - Springfield's most frequently cited loan purpose was Home Purchase, with 3,166 originations. The 2nd most popular reason was Home Improvement, with 1,211 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,916 | $650,790,000 | $339,661 |
| Over 8% | 1,737 | $205,365,000 | $118,230 |
| 7-8% | 1,729 | $410,545,000 | $237,447 |
| 5-6% | 883 | $337,095,000 | $381,761 |
| 4-5% | 67 | $26,465,000 | $395,000 |
| <2.5% | 16 | $1,060,000 | $66,250 |
| 3-4% | 13 | $2,175,000 | $167,308 |
| 2.5-3% | 3 | $785,000 | $261,667 |
During 2023, Eugene - Springfield's most frequently originated rate bucket was 6-7%, with 1,916 originations.
Loan Sizing (EUGENE-SPRINGFIELD, OR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 2,169 | $667,645,000 | $307,812 |
| $100,000 or less | 2,011 | $105,015,000 | $52,220 |
| $400k-600k | 1,019 | $477,965,000 | $469,053 |
| $100k-200k | 924 | $126,050,000 | $136,418 |
| $600k-1000k | 245 | $173,595,000 | $708,551 |
| $Over $1MM | 48 | $114,640,000 | $2,388,333 |
EUGENE - SPRINGFIELD's loan sizing saw the bucket of loans from $200k-400k with 2,169 originations, totaling $667,645,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| Under 20% | 1,980 | $112,500,000 | $56,818 |
| 80-100% | 1,820 | $733,780,000 | $403,176 |
| 60-80% | 1,080 | $410,980,000 | $380,537 |
| 20-40% | 818 | $129,730,000 | $158,594 |
| 40-60% | 593 | $223,135,000 | $376,282 |
| Over 100% | 54 | $22,080,000 | $408,889 |
EUGENE - SPRINGFIELD's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 1,980 originations, totaling $112,500,000 in origination value.