GRANTS PASS Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Grants Pass averaged
6.87%
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
6.7% and
one month ago for the week of 2025-05-15, the
average rate was 6.87%.
Grants Pass's average rate one year ago was 6.81%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.21%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Grants Pass 30 Year Fixed Rate | 2025-06-18 | 6.87% |
| Grants Pass 30 Year Fixed Rate Refi | 2025-06-18 | 7.21% |
| Grants Pass 15 Year Fixed Rate | 2025-06-18 | 5.96% |
| Grants Pass 15 Year Fixed Rate Refi | 2025-06-18 | 6.06% |
| Grants Pass 30 Year FHA | 2025-06-18 | -0.29% |
| Grants Pass 30 Year FHA Refi | 2025-06-18 | 0.2% |
| Grants Pass 30 Year USDA | 2025-06-18 | -0.2% |
| Grants Pass 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Grants Pass 30 Year VA | 2025-06-18 | -0.03% |
| Grants Pass 30 Year VA Refi | 2025-06-18 | 0.2% |
GRANTS PASS 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 GRANTS PASS, 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.).
GRANTS PASS Average Closing Costs & Other Stats
GRANTS PASS, OR's 88 lenders originated 1,550
loans during 2024. The total origination value was $411,310,000, with an average loan value of
$265,361.
GRANTS PASS's average closing costs are $6,513.
The top GRANTS PASS lender as defined by loan originations is ROGUE, with
88 loans originated. Their average total fees are
$5,520, which is $939
higher than the next largest lender,
Nations Lending Corporation.
The lowest fee GRANTS PASS lenders (with over 10 loans originated) are
Nations Lending Corporation ($4,581), Umpqua Bank ($5,066), ROGUE ($5,520), FIRST COMMUNITY ($5,697) and NATIONS DIRECT MORTGAGE, LLC ($7,222).
The lowest rate GRANTS PASS lenders (with over 10 loans originated) are
FIRST COMMUNITY (5.30%), ROGUE (6.53%), Sunflower Bank (6.53%), NATIONS DIRECT MORTGAGE, LLC (6.62%) and Umpqua Bank (6.63%).
GRANTS PASS, 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 |
|---|---|---|---|---|
| ROGUE | $33,915,000 | $48,720,000 | 43.7% | 11.8% |
| Nations Lending Corporation | $34,910,000 | $46,235,000 | 32.4% | 11.2% |
| GUILD MORTGAGE COMPANY | $14,115,000 | $35,165,000 | 149.1% | 8.5% |
| Evergreen Federal Bank | $25,100,000 | $23,265,000 | -7.3% | 5.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $9,830,000 | $19,005,000 | 93.3% | 4.6% |
| QUICKEN LOANS, LLC | $18,040,000 | $17,900,000 | -0.8% | 4.4% |
| FIRST COMMUNITY | $6,880,000 | $16,540,000 | 140.4% | 4.0% |
| Sunflower Bank | $15,895,000 | n/a | 3.9% | |
| CROSSCOUNTRY MORTGAGE, LLC | $14,120,000 | $14,450,000 | 2.3% | 3.5% |
| Mortgage Research Center, LLC | $5,720,000 | $10,870,000 | 90.0% | 2.6% |
| Umpqua Bank | $5,495,000 | $9,760,000 | 77.6% | 2.4% |
| LOANDEPOT.COM, LLC | $8,315,000 | $9,460,000 | 13.8% | 2.3% |
| NATIONS DIRECT MORTGAGE, LLC | $9,355,000 | $9,045,000 | -3.3% | 2.2% |
| PENNYMAC LOAN SERVICES, LLC | $3,720,000 | $5,525,000 | 48.5% | 1.3% |
| U.S. Bank | $3,510,000 | $4,580,000 | 30.5% | 1.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $5,940,000 | $4,480,000 | -24.6% | 1.1% |
| Banner Bank | $1,760,000 | $4,345,000 | 146.9% | 1.1% |
| CMG MORTGAGE, INC. | $3,345,000 | $4,090,000 | 22.3% | 1.0% |
| GUARANTEED RATE, INC. | $545,000 | $4,020,000 | 637.6% | 1.0% |
| First Interstate Bank | $2,135,000 | $3,600,000 | 68.6% | 0.9% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $3,155,000 | $3,525,000 | 11.7% | 0.9% |
| NAVY FEDERAL CREDIT UNION | $1,705,000 | $3,500,000 | 105.3% | 0.9% |
| MOVEMENT MORTGAGE, LLC | $2,720,000 | $2,990,000 | 9.9% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $1,220,000 | $2,770,000 | 127.0% | 0.7% |
| MOUNTAIN WEST FINANCIAL, INC. | $13,525,000 | $2,670,000 | -80.3% | 0.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,745,000 | $2,660,000 | -3.1% | 0.6% |
| MORTGAGE EXPRESS, LLC | $3,190,000 | $2,495,000 | -21.8% | 0.6% |
| TWINSTAR | $1,745,000 | $2,490,000 | 42.7% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,110,000 | $2,470,000 | -20.6% | 0.6% |
| Flagstar Bank, FSB | $410,000 | $2,405,000 | 486.6% | 0.6% |
| Willamette Valley Bank | $10,755,000 | $2,090,000 | -80.6% | 0.5% |
| Century Mortgage Company DBA Century Lending Company | $1,320,000 | $1,935,000 | 46.6% | 0.5% |
| USAA Federal Savings Bank | $1,930,000 | $1,845,000 | -4.4% | 0.4% |
| NEWREZ LLC | $1,925,000 | $1,825,000 | -5.2% | 0.4% |
| VILLAGE CAPITAL MORTGAGE | $1,225,000 | $1,765,000 | 44.1% | 0.4% |
| Washington Federal Bank | $1,110,000 | $1,765,000 | 59.0% | 0.4% |
| People's Bank of Commerce | $4,750,000 | $1,715,000 | -63.9% | 0.4% |
| CALCON MUTUAL MORTGAGE LLC | $405,000 | $1,635,000 | 303.7% | 0.4% |
| JPMorgan Chase Bank | $3,470,000 | $1,560,000 | -55.0% | 0.4% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $1,475,000 | n/a | 0.4% | |
| BROKER SOLUTIONS, INC. | $640,000 | $1,445,000 | 125.8% | 0.4% |
| BETTER MORTGAGE CORPORATION | $375,000 | $1,425,000 | 280.0% | 0.3% |
| Plains Commerce Bank | $1,200,000 | $1,365,000 | 13.8% | 0.3% |
| Figure Lending LLC | $435,000 | $1,330,000 | 205.7% | 0.3% |
| DIRECTORS MORTGAGE, INC. | $515,000 | $1,270,000 | 146.6% | 0.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $570,000 | $1,245,000 | 118.4% | 0.3% |
| CORNERSTONE HOME LENDING, INC. | $1,170,000 | n/a | 0.3% | |
| Paramount Residential Mortgage Group, Inc. | $385,000 | $1,150,000 | 198.7% | 0.3% |
| SUMMIT FUNDING, INC. | $1,435,000 | $1,095,000 | -23.7% | 0.3% |
| Morgan Stanley Private Bank | $1,080,000 | n/a | 0.3% | |
| LONGBRIDGE FINANCIAL, LLC | $1,205,000 | $955,000 | -20.7% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $1,495,000 | $935,000 | -37.5% | 0.2% |
| LENDSURE MORTGAGE CORP. | $155,000 | $915,000 | 490.3% | 0.2% |
| BMO Harris Bank | $1,150,000 | $870,000 | -24.3% | 0.2% |
| LOANPAL, LLC | $870,000 | n/a | 0.2% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,245,000 | $860,000 | -30.9% | 0.2% |
| HomeStreet Bank | $830,000 | n/a | 0.2% | |
| S1L, Inc. | $12,335,000 | $825,000 | -93.3% | 0.2% |
| Wells Fargo Bank | $3,245,000 | $820,000 | -74.7% | 0.2% |
| INFINITY EQUITY GROUP, INC. | $810,000 | n/a | 0.2% | |
| KeyBank | $1,590,000 | $810,000 | -49.1% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $585,000 | $790,000 | 35.0% | 0.2% |
| NMSI, INC. | $735,000 | n/a | 0.2% | |
| HighTechLending Inc | $370,000 | $710,000 | 91.9% | 0.2% |
| Commerce Home Mortgage, Inc. | $1,085,000 | $700,000 | -35.5% | 0.2% |
| ZILLOW HOME LOANS, LLC | $665,000 | n/a | 0.2% | |
| Northwest Farm Credit Services, FLCA | $375,000 | $655,000 | 74.7% | 0.2% |
| AMWEST FUNDING CORP. | $750,000 | $650,000 | -13.3% | 0.2% |
| The Dart Bank | $635,000 | n/a | 0.2% | |
| ARC HOME LLC | $595,000 | n/a | 0.1% | |
| OnPoint Community Credit Union | $1,165,000 | $580,000 | -50.2% | 0.1% |
| Discover Bank | $635,000 | $555,000 | -12.6% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $3,560,000 | $550,000 | -84.6% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $550,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $530,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $65,000 | $515,000 | 692.3% | 0.1% |
| First Federal Bank | $515,000 | n/a | 0.1% | |
| JET DIRECT FUNDING CORP | $725,000 | $515,000 | -29.0% | 0.1% |
| GENEVA FINANCIAL, LLC | $255,000 | $495,000 | 94.1% | 0.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $495,000 | n/a | 0.1% | |
| Sierra Pacific Mortgage Company, Inc. | $355,000 | $485,000 | 36.6% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $335,000 | $465,000 | 38.8% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $455,000 | $465,000 | 2.2% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $460,000 | n/a | 0.1% | |
| INTELLILOAN, INC. | $455,000 | n/a | 0.1% | |
| Merchants Bank of Indiana | $58,005,000 | $455,000 | -99.2% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $95,000 | $445,000 | 368.4% | 0.1% |
| Oregon State Credit Union | $405,000 | $440,000 | 8.6% | 0.1% |
| 1st Security Bank of Washington | $430,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $430,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $2,375,000 | $430,000 | -81.9% | 0.1% |
| DIGNIFIED HOME LOANS, LLC | $365,000 | $425,000 | 16.4% | 0.1% |
| Waterstone Mortgage Corporation | $425,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $260,000 | $420,000 | 61.5% | 0.1% |
| FUNDLOANS CAPITAL | $415,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $415,000 | n/a | 0.1% | |
| The Federal Savings Bank | $1,855,000 | $415,000 | -77.6% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $410,000 | n/a | 0.1% | |
| Baxter Credit Union | $405,000 | n/a | 0.1% | |
| IDAHO CENTRAL | $405,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $630,000 | $395,000 | -37.3% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $395,000 | n/a | 0.1% | |
| AMERICAN INTERNET MORTGAGE, INC. | $375,000 | n/a | 0.1% | |
| Meridian Bank Corporation | $375,000 | n/a | 0.1% | |
| RED CANOE CREDIT UNION | $375,000 | n/a | 0.1% | |
| RESIDENTIAL BANCORP | $370,000 | n/a | 0.1% | |
| LPMC, LLC | $345,000 | n/a | 0.1% | |
| NexBank | $335,000 | n/a | 0.1% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $335,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $455,000 | $325,000 | -28.6% | 0.1% |
| EMBRACE HOME LOANS, INC. | $325,000 | n/a | 0.1% | |
| Coastal Community Bank | $710,000 | $315,000 | -55.6% | 0.1% |
| EMM LOANS LLC | $660,000 | $315,000 | -52.3% | 0.1% |
| Performance Financial, Inc. | $315,000 | n/a | 0.1% | |
| PLUS RELOCATION MORTGAGE, LLC | $315,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $305,000 | n/a | 0.1% | |
| LAND HOME FINANCIAL SERVICES, INC. | $305,000 | n/a | 0.1% | |
| MICHIGAN MUTUAL, INC. | $305,000 | n/a | 0.1% | |
| OAKTREE FUNDING CORP. | $305,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $290,000 | $305,000 | 5.2% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $305,000 | n/a | 0.1% | |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $285,000 | n/a | 0.1% | |
| ISERVE RESIDENTIAL LENDING, LLC | $285,000 | n/a | 0.1% | |
| Loan Simple, Inc. | $690,000 | $285,000 | -58.7% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $275,000 | n/a | 0.1% | |
| SPOKANE TEACHERS | $275,000 | n/a | 0.1% | |
| Franklin Loan Corporation | $265,000 | n/a | 0.1% | |
| Rivermark Community Credit Union | $265,000 | n/a | 0.1% | |
| FBC MORTGAGE, LLC | $255,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $405,000 | $255,000 | -37.0% | 0.1% |
| SCENIC OAKS FUNDING, INC. | $255,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $245,000 | n/a | 0.1% | |
| AMERITRUST MORTGAGE CORPORATION | $245,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $720,000 | $235,000 | -67.4% | 0.1% |
| M&T Bank | $205,000 | n/a | 0.0% | |
| PLANET HOME LENDING, LLC | $285,000 | $195,000 | -31.6% | 0.0% |
| RANLIFE, INC. | $620,000 | $195,000 | -68.5% | 0.0% |
| SELCO COMMUNITY | $55,000 | $195,000 | 254.5% | 0.0% |
| Bank of America | $805,000 | $190,000 | -76.4% | 0.0% |
| OREGON COMMUNITY | $180,000 | $175,000 | -2.8% | 0.0% |
| Bank of England | $165,000 | n/a | 0.0% | |
| BAY EQUITY LLC | $145,000 | $155,000 | 6.9% | 0.0% |
| THRIVENT Federal Credit Union | $155,000 | n/a | 0.0% | |
| TOWER | $155,000 | n/a | 0.0% | |
| TruHome Solutions, LLC | $145,000 | n/a | 0.0% | |
| ALLIED MORTGAGE GROUP, INC. | $135,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $330,000 | $125,000 | -62.1% | 0.0% |
| SALAL | $120,000 | $105,000 | -12.5% | 0.0% |
| PNC Bank | $430,000 | $95,000 | -77.9% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $95,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $85,000 | n/a | 0.0% | |
| Wauna Federal Credit Union | $65,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $545,000 | $55,000 | -89.9% | 0.0% |
| GTE Federal Credit Union | $55,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $35,000 | n/a | 0.0% |
GRANTS PASS's top lender by overall market share is ROGUE, with 11.8% market share. In second place, with 11.2%, is Nations Lending Corporation, having originated $46,235,000 in loans. In third place, with 8.5%, is GUILD MORTGAGE COMPANY, having originated $35,165,000 in loans. In fourth place, with 5.7%, is Evergreen Federal Bank, having originated $23,265,000 in loans. In fifth place, with 4.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $19,005,000 in loans.
GRANTS PASS, OR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 849 | $295,405,000 | $347,945 |
| Home Improvement | 209 | $17,285,000 | $82,703 |
| Cash Out Refi | 195 | $43,935,000 | $225,308 |
| Refi | 149 | $42,345,000 | $284,195 |
| Other | 148 | $12,340,000 | $83,378 |
Grants Pass's most frequently cited loan purpose was Home Purchase, with 849 originations. The 2nd most popular reason was Home Improvement, with 209 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 587 | $186,355,000 | $317,470 |
| Over 8% | 381 | $37,515,000 | $98,465 |
| 5-6% | 238 | $81,310,000 | $341,639 |
| 7-8% | 219 | $64,925,000 | $296,461 |
| 4-5% | 37 | $13,115,000 | $354,459 |
| <2.5% | 4 | $740,000 | $185,000 |
| 2.5-3% | 4 | $1,410,000 | $352,500 |
| 3-4% | 2 | $730,000 | $365,000 |
During 2024, Grants Pass's most frequently originated rate bucket was 6-7%, with 587 originations.
Loan Sizing (GRANTS PASS, OR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 655 | $197,985,000 | $302,267 |
| $100,000 or less | 376 | $20,710,000 | $55,080 |
| $400k-600k | 238 | $111,450,000 | $468,277 |
| $100k-200k | 209 | $29,855,000 | $142,847 |
| $600k-1000k | 69 | $48,045,000 | $696,304 |
| $Over $1MM | 3 | $3,265,000 | $1,088,333 |
GRANTS PASS's loan sizing saw the bucket of loans from $200k-400k with 655 originations, totaling $197,985,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 544 | $206,360,000 | $379,338 |
| Under 20% | 329 | $18,815,000 | $57,188 |
| 60-80% | 236 | $84,350,000 | $357,415 |
| 20-40% | 177 | $24,975,000 | $141,102 |
| 40-60% | 145 | $36,115,000 | $249,069 |
| Over 100% | 20 | $7,920,000 | $396,000 |
GRANTS PASS's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 544 originations, totaling $206,360,000 in origination value.