GRANTS PASS Mortgage Rates

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

30 Year Fixed Rate mortgages in Grants Pass averaged 5.71% for the week of 2022-05-19, compared to the national average of 5.25% for the same period.

The average rate for the prior week (2022-05-12) was 5.36% and one month ago for the week of 2022-04-14, the average rate was 5.16%.

Grants Pass's average rate one year ago was 3.08%.

For refis of the same type during the week of 2022-05-19, the average rate was 5.19%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-19 5.25%
Grants Pass 30 Year Fixed Rate 2022-05-19 5.71%
Grants Pass 30 Year Fixed Rate Refi 2022-05-19 5.19%
Grants Pass 15 Year Fixed Rate 2022-05-19 5.41%
Grants Pass 15 Year Fixed Rate Refi 2022-05-19 4.8%
Grants Pass 30 Year FHA 2022-05-19 5.19%
Grants Pass 30 Year FHA Refi 2022-05-19 5.35%
Grants Pass 30 Year USDA 2022-05-19 5.41%
Grants Pass 30 Year USDA Refi 2022-05-19 5.29%
Grants Pass 30 Year VA 2022-05-19 5.52%
Grants Pass 30 Year VA Refi 2022-05-19 4.92%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within GRANTS PASS, OR.

GRANTS PASS 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 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 266 3.01% $5,703
CALIBER HOME LOANS, INC. 243 3.17% $4,161
GUILD MORTGAGE COMPANY 159 3.15% $6,452
ROGUE 139 3.35% $4,521
Willamette Valley Bank 127 3.41% $5,171
CHERRY CREEK MORTGAGE, LLC 126 3.06% $7,348
LOANDEPOT.COM, LLC 112 2.99% $4,919
Umpqua Bank 94 3.18% $4,111
MOUNTAIN WEST FINANCIAL, INC. 93 3.09% $4,958
UNITED WHOLESALE MORTGAGE, LLC 55 2.98% $5,976
S1L, Inc. 52 3.30% $5,581
Wells Fargo Bank 45 3.10% $3,444
FIRST COMMUNITY 44 3.22% $3,865
JPMorgan Chase Bank 42 3.07% $3,578
CROSSCOUNTRY MORTGAGE, LLC 34 3.16% $8,708
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 30 3.17% $6,545
People's Bank of Commerce 30 3.07% $4,798
Nations Lending Corporation 29 3.31% $5,191
Mr. Cooper ( Nationstar Mortgage ) 24 3.23% $6,105
PENNYMAC LOAN SERVICES, LLC 20 3.01% $6,094
STEARNS LENDING, LLC 20 3.07% $3,480
AMERISAVE MORTGAGE CORPORATION 20 2.99% $6,204
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 19 3.17% $5,298
U.S. Bank 19 3.01% $3,391
MOVEMENT MORTGAGE, LLC 17 3.14% $4,128
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 17 3.06% $4,660
BETTER MORTGAGE CORPORATION 16 2.88% $3,914
KeyBank 16 3.39% $2,487
NORTHWEST COMMUNITY 15 3.09% $7,133
Banner Bank 15 3.43% $5,215
BROKER SOLUTIONS, INC. 14 3.05% $5,649
NEWREZ LLC 13 3.22% $3,844
SUMMIT FUNDING, INC. 13 3.12% $7,057
AMERICAN PACIFIC MORTGAGE CORPORATION 13 3.11% $5,281
FREEDOM MORTGAGE CORPORATION 12 3.05% $2,995
MUTUAL OF OMAHA MORTGAGE, INC. 12 3.07% $3,411
Washington Federal Bank 9 3.58% $7,401
FINANCE OF AMERICA MORTGAGE LLC 9 3.17% $4,245
PACIFIC RESIDENTIAL MORTGAGE, LLC 8 3.50% $5,887
Sierra Pacific Mortgage Company, Inc. 7 3.21% $5,147
PROVIDENT FUNDING ASSOCIATES, L.P. 7 2.82% $3,407
First Interstate Bank 7 3.54% $4,157
Flagstar Bank, FSB 7 3.07% $4,399
ACADEMY MORTGAGE CORPORATION 6 3.40% $6,109
AMERICAN FINANCING CORPORATION 6 2.90% $4,165
InterContinental Capital Group, Inc 6 3.04% $5,948
CANOPY MORTGAGE, LLC 6 2.79% $4,417
LOANPAL, LLC 6 3.31% $7,037
PREMIER MORTGAGE RESOURCES, L.L.C. 5 3.05% $4,821
LAKEVIEW LOAN SERVICING, LLC 5 3.17% $3,578
KELLER MORTGAGE, LLC 5 3.00% $3,309
HOME POINT FINANCIAL CORPORATION 5 2.80% $7,057
CMG MORTGAGE, INC. 5 3.12% $5,601
ZILLOW HOME LOANS, LLC 4 3.03% $4,228
AMERICAN FINANCIAL NETWORK, INC. 4 2.94% $7,401
NETWORK CAPITAL FUNDING CORPORATION 4 3.34% $5,124
SUN WEST MORTGAGE COMPANY, INC. 4 3.18% $5,897
Wyndham Capital Mortgage, Inc. 4 2.97% $1,786
Strong Home Mortgage, LLC 3 3.00% $1,778
OnPoint Community Credit Union 3 3.00% $4,774
DIRECTORS MORTGAGE, INC. 3 3.54% $6,586
Paramount Residential Mortgage Group, Inc. 3 3.17% $5,391
SUMMIT MORTGAGE CORPORATION 3 3.33% $5,515
Citibank 3 2.42% $5,186
GUARANTEED RATE, INC. 3 2.92% $3,731
MUFG Union Bank 3 3.25% $4,456
ONY GLO, INC. 3 2.88% $3,574
PLANET HOME LENDING, LLC 3 3.33% $2,453
Bank of America 3 3.04% $4,545
First Savings Bank 3 2.92% $9,151
GSF Mortgage Corporation 3 3.25% $15,826
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 3.17% $5,139
The Federal Savings Bank 2 3.50% $4,604
Firefighters First Federal Credit Union 2 3.31% $4,296
Chicago Mortgage Solutions LLC 2 3.06% $1,296
EMM LOANS LLC 2 3.25% $8,432
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 3.00% $5,208
Charles Schwab Bank, SSB 2 2.91% $4,587
Washington Trust Bank 2 3.19% $7,783
WESTERN EXPRESS LENDING 2 2.93% $4,871
HomeStreet Bank 2 3.00% $5,991
NATIONS DIRECT MORTGAGE, LLC 2 3.56% $5,259
GENEVA FINANCIAL, LLC 2 2.94% $3,488
EVERETT FINANCIAL, INC. 2 3.13% $1,930
Loan Simple, Inc. 2 2.88% $4,924
NBKC BANK 2 2.88% $2,538
Rivermark Community Credit Union 2 3.25% $4,017
ADVANTIS 2 3.00% $4,211
LPMC, LLC 2 3.06% $3,619
North American Savings Bank, F.S.B. 2 2.69% $2,472
SECURITYNATIONAL MORTGAGE COMPANY 2 3.12% $8,449
AXIA FINANCIAL, LLC 2 3.19% $3,845
First Guaranty Mortgage Corporation 2 3.25% $4,104
Manufacturers and Traders Trust Company 2 3.38% $4,064
Arvest Bank 2 3.38% $4,109
Carrington Mortgage Services, LLC 2 3.38% $4,409
CELEBRITY HOME LOANS, LLC 1 3.25% $5,170
Qualstar Credit Union 1 3.00% $4,015
BEST CAPITAL FUNDING 1 3.00% $3,074
Quontic Bank 1 6.00% $10,734
RANLIFE, INC. 1 3.38% $9,002
Bank of England 1 3.50% $5,852
ROYAL UNITED MORTGAGE LLC 1 3.25% $6,606
SAMMAMISH MORTGAGE COMPANY 1 3.50% $1,672
SEA WEST COAST GUARD FEDERAL CREDIT UNION 1 2.49% $3,471
SOVEREIGN LENDING GROUP INCORPORATED 1 2.63% $4,064
SPOKANE TEACHERS 1 3.13% $3,122
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 2.88% $7,663
5TH STREET CAPITAL, INC. 1 4.50% $10,628
TELCOE FEDERAL CREDIT UNION 1 3.00% $8,276
TIAA, FSB 1 3.25% $3,968
TRAVIS CREDIT UNION 1 2.88% $950
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 5.13% $11,834
AmeriHome Mortgage Company, LLC 1 3.13% $2,969
Unitus Community Credit Union 1 3.00% $2,347
USAA Federal Savings Bank 1 3.13% $2,976
Utah Power 1 2.63% $6,326
V.I.P. MORTGAGE, INC. 1 3.13% $8,651
AMERICAN INTERNET MORTGAGE, INC. 1 2.38% $6,116
Ally Bank 1 3.25% $2,797
First Western Trust Bank 1 2.50% $5,320
First United Bank and Trust Company 1 3.13% $5,065
FIRST TECHNOLOGY 1 3.25% $3,258
Franklin Loan Corporation 1 3.38% $5,649
Gateway First Bank 1 3.25% $5,817
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 2.99% $3,080
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.38% $4,533
First Internet Bank of Indiana 1 2.88% $2,776
HOMESTEAD FUNDING CORP. 1 2.63% $3,911
IMPAC MORTGAGE CORP. 1 2.99% $0
INTERNATIONAL CITY MORTGAGE, INC. 1 2.88% $4,165
JLB CORPORATION 1 3.50% $7,666
JMAC LENDING, INC. 1 2.88% $4,444
First Federal Bank of Kansas City 1 3.25% $4,152
FIRST COLONY MORTGAGE CORPORATION 1 3.25% $9,965
FirstBank 1 3.25% $2,411
LADERA LENDING, INC. 1 3.25% $2,836
LENDERFI, INC. 1 2.88% $1,858
LENDUS, LLC 1 3.00% $6,050
FBC MORTGAGE, LLC 1 2.99% $4,298
LOANLEADERS OF AMERICA, INC. 1 3.50% $5,094
MANN FINANCIAL INC. 1 3.38% $4,730
MASON MCDUFFIE MORTGAGE CORPORATION 1 3.37% $6,672
Morgan Stanley Private Bank 1 3.25% $4,034
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 2.75% $6,048
DIGNIFIED HOME LOANS, LLC 1 2.87% $3,120
DATA MORTGAGE, INC. 1 3.38% $6,009
CORNERSTONE HOME LENDING, INC. 1 3.13% $8,056
NATIONWIDE MORTGAGE BANKERS, INC. 1 2.63% $8,198
NBH Bank 1 3.13% $7,424
NEXERA HOLDING LLC 1 2.63% $2,855
CHURCHILL MORTGAGE CORPORATION 1 3.13% $4,403
Northwest Farm Credit Services, FLCA 1 3.95% $5,527
ON Q FINANCIAL, INC. 1 3.00% $4,300
OREGON COMMUNITY 1 2.75% $6,362
Pacific NW Federal Credit Union 1 2.75% $3,610
PANORAMA MORTGAGE GROUP, LLC 1 2.63% $3,174
Paramount Bank 1 2.75% $5,579
CENTRAL WILLAMETTE Credit Union 1 3.00% $4,020
PHH Mortgage Corporation 1 2.88% $7,106
PLAZA HOME MORTGAGE, INC. 1 3.50% $3,466

GRANTS PASS, OR's 161 lenders originated 4,543 loans during 2021. The total origination value was $1,241,405,000, with an average loan value of $273,257.

The top GRANTS PASS lender as defined by loan originations is QUICKEN LOANS, LLC, with 266 loans originated. Their average total fees are $5,703, which is $1,542 higher than the next largest lender, CALIBER HOME LOANS, INC..

The lowest fee GRANTS PASS lenders (with over 10 loans originated) are KeyBank ($2,487), FREEDOM MORTGAGE CORPORATION ($2,995), U.S. Bank ($3,391), MUTUAL OF OMAHA MORTGAGE, INC. ($3,411) and Wells Fargo Bank ($3,444).

The lowest rate GRANTS PASS lenders (with over 10 loans originated) are BETTER MORTGAGE CORPORATION (2.88%), UNITED WHOLESALE MORTGAGE, LLC (2.98%), AMERISAVE MORTGAGE CORPORATION (2.99%), LOANDEPOT.COM, LLC (2.99%) and PENNYMAC LOAN SERVICES, LLC (3.01%).

GRANTS PASS, 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
CALIBER HOME LOANS, INC. $112,150,000 $114,225,000 1.9% 9.2%
QUICKEN LOANS, LLC $94,125,000 $105,710,000 12.3% 8.5%
Evergreen Federal Bank $91,285,000 $70,755,000 -22.5% 5.7%
GUILD MORTGAGE COMPANY $82,750,000 $70,605,000 -14.7% 5.7%
ROGUE $54,075,000 $66,850,000 23.6% 5.4%
LOANDEPOT.COM, LLC $30,290,000 $52,905,000 74.7% 4.3%
Umpqua Bank $45,935,000 $52,145,000 13.5% 4.2%
CHERRY CREEK MORTGAGE, LLC $45,440,000 $49,085,000 8.0% 4.0%
Willamette Valley Bank $50,885,000 $46,515,000 -8.6% 3.7%
Merchants Bank of Indiana $36,000,000 n/a 2.9%
MOUNTAIN WEST FINANCIAL, INC. $28,570,000 $31,870,000 11.6% 2.6%
FREEDOM MORTGAGE CORPORATION $26,775,000 $26,340,000 -1.6% 2.1%
UNITED WHOLESALE MORTGAGE, LLC $14,440,000 $23,310,000 61.4% 1.9%
S1L, Inc. $1,500,000 $21,310,000 1,320.7% 1.7%
People's Bank of Commerce $16,800,000 $20,475,000 21.9% 1.6%
Wells Fargo Bank $12,775,000 $17,370,000 36.0% 1.4%
FIRST COMMUNITY $20,340,000 $16,555,000 -18.6% 1.3%
Mr. Cooper ( Nationstar Mortgage ) $11,265,000 $16,350,000 45.1% 1.3%
CROSSCOUNTRY MORTGAGE, LLC $7,295,000 $15,575,000 113.5% 1.3%
PENNYMAC LOAN SERVICES, LLC $12,645,000 $15,425,000 22.0% 1.2%
Banner Bank $8,215,000 $14,385,000 75.1% 1.2%
U.S. Bank $15,370,000 $13,750,000 -10.5% 1.1%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $11,140,000 $12,950,000 16.2% 1.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $13,130,000 $12,575,000 -4.2% 1.0%
JPMorgan Chase Bank $6,265,000 $11,800,000 88.3% 1.0%
Nations Lending Corporation $1,900,000 $11,595,000 510.3% 0.9%
Mortgage Research Center, LLC $8,135,000 $11,315,000 39.1% 0.9%
AMERISAVE MORTGAGE CORPORATION $6,605,000 $9,590,000 45.2% 0.8%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $3,940,000 $9,180,000 133.0% 0.7%
LAKEVIEW LOAN SERVICING, LLC $6,115,000 $7,770,000 27.1% 0.6%
BETTER MORTGAGE CORPORATION $1,430,000 $7,655,000 435.3% 0.6%
First Interstate Bank $6,835,000 $7,490,000 9.6% 0.6%
NORTHWEST COMMUNITY $7,150,000 $7,410,000 3.6% 0.6%
MOVEMENT MORTGAGE, LLC $6,050,000 $7,400,000 22.3% 0.6%
AMERICAN PACIFIC MORTGAGE CORPORATION $3,330,000 $7,110,000 113.5% 0.6%
HomeStreet Bank $6,960,000 n/a 0.6%
The Federal Savings Bank $5,480,000 $6,095,000 11.2% 0.5%
KeyBank $5,955,000 $6,030,000 1.3% 0.5%
SUMMIT FUNDING, INC. $4,230,000 $5,615,000 32.7% 0.5%
Washington Federal Bank $4,350,000 $5,515,000 26.8% 0.4%
STEARNS LENDING, LLC $4,720,000 $5,470,000 15.9% 0.4%
CMG MORTGAGE, INC. $6,935,000 $5,350,000 -22.9% 0.4%
BROKER SOLUTIONS, INC. $2,540,000 $5,235,000 106.1% 0.4%
NEWREZ LLC $5,105,000 $4,980,000 -2.4% 0.4%
AMERICAN ADVISORS GROUP $2,320,000 $4,760,000 105.2% 0.4%
MUTUAL OF OMAHA MORTGAGE, INC. $5,435,000 $4,585,000 -15.6% 0.4%
NEW DAY FINANCIAL, LLC $2,045,000 $3,690,000 80.4% 0.3%
FINANCE OF AMERICA MORTGAGE LLC $2,910,000 $3,660,000 25.8% 0.3%
SUN WEST MORTGAGE COMPANY, INC. $2,605,000 $3,590,000 37.8% 0.3%
InterContinental Capital Group, Inc $1,485,000 $3,440,000 131.6% 0.3%
HOME POINT FINANCIAL CORPORATION $1,295,000 $3,060,000 136.3% 0.2%
PREMIER MORTGAGE RESOURCES, L.L.C. $1,410,000 $3,010,000 113.5% 0.2%
NATIONS DIRECT MORTGAGE, LLC $1,885,000 $2,940,000 56.0% 0.2%
Flagstar Bank, FSB $2,695,000 $2,885,000 7.1% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $5,250,000 $2,795,000 -46.8% 0.2%
PACIFIC RESIDENTIAL MORTGAGE, LLC $2,910,000 $2,735,000 -6.0% 0.2%
Sierra Pacific Mortgage Company, Inc. $905,000 $2,675,000 195.6% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $2,795,000 $2,400,000 -14.1% 0.2%
Low VA Rates, LLC $730,000 $2,325,000 218.5% 0.2%
GUARANTEED RATE, INC. $2,310,000 n/a 0.2%
USAA Federal Savings Bank $5,060,000 $2,275,000 -55.0% 0.2%
LOANPAL, LLC $165,000 $2,265,000 1,272.7% 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $3,210,000 $2,265,000 -29.4% 0.2%
ACADEMY MORTGAGE CORPORATION $2,735,000 $2,170,000 -20.7% 0.2%
DIRECTORS MORTGAGE, INC. $1,550,000 $2,120,000 36.8% 0.2%
PLANET HOME LENDING, LLC $845,000 $2,110,000 149.7% 0.2%
Wyndham Capital Mortgage, Inc. $660,000 $2,050,000 210.6% 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $1,370,000 $2,015,000 47.1% 0.2%
Mechanics Bank $2,005,000 n/a 0.2%
MORTGAGE EXPRESS, LLC $3,250,000 $1,990,000 -38.8% 0.2%
GSF Mortgage Corporation $2,890,000 $1,925,000 -33.4% 0.2%
CANOPY MORTGAGE, LLC $1,465,000 $1,910,000 30.4% 0.2%
ZILLOW HOME LOANS, LLC $165,000 $1,845,000 1,018.2% 0.1%
Carrington Mortgage Services, LLC $2,620,000 $1,815,000 -30.7% 0.1%
AMERICAN FINANCING CORPORATION $620,000 $1,760,000 183.9% 0.1%
VELOCITY COMMERCIAL CAPITAL, LLC $600,000 $1,740,000 190.0% 0.1%
REVERSE MORTGAGE FUNDING LLC $1,000,000 $1,695,000 69.5% 0.1%
OREGON COMMUNITY $1,425,000 $1,610,000 13.0% 0.1%
Paramount Residential Mortgage Group, Inc. $890,000 $1,540,000 73.0% 0.1%
KELLER MORTGAGE, LLC $2,675,000 $1,525,000 -43.0% 0.1%
PHH Mortgage Corporation $615,000 $1,495,000 143.1% 0.1%
First Guaranty Mortgage Corporation $430,000 $1,465,000 240.7% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $1,215,000 $1,445,000 18.9% 0.1%
North American Savings Bank, F.S.B. $685,000 $1,425,000 108.0% 0.1%
Barrington Bank & Trust Company, N.A. $1,770,000 $1,415,000 -20.1% 0.1%
PLAZA HOME MORTGAGE, INC. $640,000 $1,390,000 117.2% 0.1%
Washington Trust Bank $1,390,000 n/a 0.1%
Strong Home Mortgage, LLC $610,000 $1,365,000 123.8% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $505,000 $1,315,000 160.4% 0.1%
First Savings Bank $1,140,000 $1,285,000 12.7% 0.1%
Charles Schwab Bank, SSB $1,260,000 n/a 0.1%
MUFG Union Bank $1,255,000 n/a 0.1%
Bank of America $1,595,000 $1,240,000 -22.3% 0.1%
ONY GLO, INC. $1,165,000 n/a 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $1,110,000 n/a 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $1,990,000 $1,065,000 -46.5% 0.1%
ACCELERATE MORTGAGE, LLC $1,040,000 n/a 0.1%
Firefighters First Federal Credit Union $670,000 $1,035,000 54.5% 0.1%
EVERETT FINANCIAL, INC. $255,000 $1,020,000 300.0% 0.1%
Magnolia Bank $995,000 $1,015,000 2.0% 0.1%
SUMMIT MORTGAGE CORPORATION $275,000 $1,015,000 269.1% 0.1%
HOMESTEAD FUNDING CORP. $405,000 $985,000 143.2% 0.1%
EMBRACE HOME LOANS, INC. $1,660,000 $930,000 -44.0% 0.1%
LPMC, LLC $925,000 n/a 0.1%
Loan Simple, Inc. $375,000 $915,000 144.0% 0.1%
Bank of England $540,000 $910,000 68.5% 0.1%
5TH STREET CAPITAL, INC. $895,000 n/a 0.1%
RANLIFE, INC. $540,000 $855,000 58.3% 0.1%
NETWORK CAPITAL FUNDING CORPORATION $145,000 $850,000 486.2% 0.1%
EMM LOANS LLC $1,350,000 $840,000 -37.8% 0.1%
NAVY FEDERAL CREDIT UNION $2,790,000 $835,000 -70.1% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $390,000 $825,000 111.5% 0.1%
FINANCE OF AMERICA REVERSE LLC $915,000 $790,000 -13.7% 0.1%
Citibank $125,000 $785,000 528.0% 0.1%
21ST MORTGAGE CORPORATION $500,000 $775,000 55.0% 0.1%
MANN FINANCIAL INC. $770,000 n/a 0.1%
ADVANTIS $420,000 $760,000 81.0% 0.1%
First Federal Bank of Kansas City $335,000 $730,000 117.9% 0.1%
OnPoint Community Credit Union $610,000 $720,000 18.0% 0.1%
CELEBRITY HOME LOANS, LLC $195,000 $700,000 259.0% 0.1%
OPEN MORTGAGE, LLC $440,000 $645,000 46.6% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $685,000 $640,000 -6.6% 0.1%
WESTERN EXPRESS LENDING $315,000 $640,000 103.2% 0.1%
SPRING EQ, LLC $100,000 $630,000 530.0% 0.1%
Watermark Capital, Inc. $315,000 $615,000 95.2% 0.0%
Gateway First Bank $245,000 $600,000 144.9% 0.0%
Morgan Stanley Private Bank $595,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $225,000 $585,000 160.0% 0.0%
First Internet Bank of Indiana $315,000 $580,000 84.1% 0.0%
MID AMERICA MORTGAGE, INC. $705,000 $570,000 -19.1% 0.0%
Rivermark Community Credit Union $565,000 n/a 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $550,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $550,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $455,000 $550,000 20.9% 0.0%
Manufacturers and Traders Trust Company $545,000 n/a 0.0%
PacWest Funding Inc. $370,000 $540,000 45.9% 0.0%
Ally Bank $535,000 n/a 0.0%
Arvest Bank $305,000 $530,000 73.8% 0.0%
AXIA FINANCIAL, LLC $1,065,000 $530,000 -50.2% 0.0%
Commerce Home Mortgage, Inc. $1,685,000 $530,000 -68.5% 0.0%
LENDERFI, INC. $335,000 $530,000 58.2% 0.0%
NBKC BANK $520,000 $530,000 1.9% 0.0%
TIAA, FSB $700,000 $525,000 -25.0% 0.0%
First United Bank and Trust Company $515,000 n/a 0.0%
PNC Bank $125,000 $510,000 308.0% 0.0%
GENEVA FINANCIAL, LLC $725,000 $490,000 -32.4% 0.0%
NP, Inc. $885,000 $480,000 -45.8% 0.0%
ALL REVERSE MORTGAGE, INC. $1,805,000 $475,000 -73.7% 0.0%
Chicago Mortgage Solutions LLC $470,000 n/a 0.0%
CHURCHILL MORTGAGE CORPORATION $600,000 $450,000 -25.0% 0.0%
CLEARPATH LENDING $430,000 n/a 0.0%
Northwest Farm Credit Services, FLCA $2,285,000 $420,000 -81.6% 0.0%
TELCOE FEDERAL CREDIT UNION $405,000 n/a 0.0%
CIVIC FINANCIAL SERVICES, LLC $395,000 n/a 0.0%
V.I.P. MORTGAGE, INC. $255,000 $395,000 54.9% 0.0%
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY $395,000 n/a 0.0%
CORNERSTONE HOME LENDING, INC. $700,000 $385,000 -45.0% 0.0%
IMPAC MORTGAGE CORP. $245,000 $385,000 57.1% 0.0%
Utah Power $385,000 n/a 0.0%
BNC National Bank $375,000 n/a 0.0%
BELEM SERVICING LLC $365,000 n/a 0.0%
CASTLE & COOKE MORTGAGE, LLC $365,000 n/a 0.0%
Citizens Bank $400,000 $355,000 -11.3% 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $245,000 $355,000 44.9% 0.0%
Quontic Bank $355,000 n/a 0.0%
Meridian Bank Corporation $345,000 n/a 0.0%
NOVA FINANCIAL & INVESTMENT CORPORATION $345,000 n/a 0.0%
INTERNATIONAL CITY MORTGAGE, INC. $335,000 n/a 0.0%
Bank of the West $860,000 $330,000 -61.6% 0.0%
LOS ANGELES POLICE Federal Credit Union $15,000 $330,000 2,100.0% 0.0%
DATA MORTGAGE, INC. $325,000 n/a 0.0%
NBH Bank $325,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $325,000 n/a 0.0%
Unitus Community Credit Union $1,355,000 $320,000 -76.4% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $605,000 $315,000 -47.9% 0.0%
JMAC LENDING, INC. $590,000 $315,000 -46.6% 0.0%
OCMBC, INC. $315,000 n/a 0.0%
RELIANCE FIRST CAPITAL, LLC $605,000 $315,000 -47.9% 0.0%
FIRST COLONY MORTGAGE CORPORATION $305,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $410,000 $305,000 -25.6% 0.0%
MASON MCDUFFIE MORTGAGE CORPORATION $85,000 $305,000 258.8% 0.0%
Northpointe Bank $305,000 n/a 0.0%
Pacific NW Federal Credit Union $305,000 n/a 0.0%
NEXERA HOLDING LLC $295,000 n/a 0.0%
Figure Lending LLC $145,000 $290,000 100.0% 0.0%
DIRECT MORTGAGE, CORP. $285,000 n/a 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $735,000 $265,000 -63.9% 0.0%
SOFI LENDING CORP. $480,000 $265,000 -44.8% 0.0%
BEST CAPITAL FUNDING $255,000 n/a 0.0%
CENTRAL WILLAMETTE Credit Union $255,000 n/a 0.0%
First Western Trust Bank $255,000 n/a 0.0%
ON Q FINANCIAL, INC. $255,000 n/a 0.0%
INTELLILOAN, INC. $415,000 $250,000 -39.8% 0.0%
Franklin Loan Corporation $245,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $720,000 $235,000 -67.4% 0.0%
JLB CORPORATION $235,000 n/a 0.0%
LOANLEADERS OF AMERICA, INC. $285,000 $235,000 -17.5% 0.0%
LONGBRIDGE FINANCIAL, LLC $155,000 $235,000 51.6% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $235,000 n/a 0.0%
PANORAMA MORTGAGE GROUP, LLC $235,000 n/a 0.0%
Paramount Bank $235,000 n/a 0.0%
Plains Commerce Bank $235,000 n/a 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $480,000 $225,000 -53.1% 0.0%
FIRST TECHNOLOGY $460,000 $225,000 -51.1% 0.0%
LENDUS, LLC $225,000 n/a 0.0%
Republic Bank & Trust Company $225,000 n/a 0.0%
LADERA LENDING, INC. $345,000 $215,000 -37.7% 0.0%
SAMMAMISH MORTGAGE COMPANY $245,000 $215,000 -12.2% 0.0%
FBC MORTGAGE, LLC $205,000 n/a 0.0%
FirstBank $1,320,000 $205,000 -84.5% 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $145,000 $205,000 41.4% 0.0%
Cornerstone National Bank & Trust Company $195,000 n/a 0.0%
DIGNIFIED HOME LOANS, LLC $415,000 $195,000 -53.0% 0.0%
RESIDENTIAL BANCORP. $195,000 n/a 0.0%
Qualstar Credit Union $485,000 $175,000 -63.9% 0.0%
LENDINGHOME FUNDING CORPORATION $165,000 n/a 0.0%
SEA WEST COAST GUARD FEDERAL CREDIT UNION $265,000 $165,000 -37.7% 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $295,000 $165,000 -44.1% 0.0%
STAR ONE CREDIT UNION $155,000 n/a 0.0%
TRAVIS CREDIT UNION $145,000 n/a 0.0%
Alaska USA Federal Credit Union $215,000 $115,000 -46.5% 0.0%
ATHAS CAPITAL GROUP, INC. $115,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $265,000 $115,000 -56.6% 0.0%
SPOKANE TEACHERS $305,000 $105,000 -65.6% 0.0%
SELCO COMMUNITY $110,000 $95,000 -13.6% 0.0%
Discover Bank $300,000 $85,000 -71.7% 0.0%
QUORUM FEDERAL CREDIT UNION $85,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $1,165,000 $75,000 -93.6% 0.0%
TRIAD FINANCIAL SERVICES, INC. $75,000 $75,000 0.0% 0.0%
ROYAL UNITED MORTGAGE LLC $270,000 $65,000 -75.9% 0.0%
GEORGIA'S OWN $55,000 n/a 0.0%

GRANTS PASS's top lender by overall market share is CALIBER HOME LOANS, INC., with 9.2% market share. In second place, with 8.5%, is QUICKEN LOANS, LLC, having originated $105,710,000 in loans. In third place, with 5.7%, is Evergreen Federal Bank, having originated $70,755,000 in loans. In third place, with 5.7%, is GUILD MORTGAGE COMPANY, having originated $70,605,000 in loans. In third place, with 5.4%, is ROGUE, having originated $66,850,000 in loans.


GRANTS PASS, OR Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 1,613 $389,715,000 $241,609
Home Purchase 1,403 $498,625,000 $355,399
Cash Out Refi 1,199 $319,435,000 $266,418
Home Improvement 209 $20,415,000 $97,679
Other 119 $13,215,000 $111,050

Grants Pass's most frequently cited loan purpose was Refi, with 1,613 originations. The 2nd most popular reason was Home Purchase, with 1,403 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,672 $448,250,000 $268,092
2.5-3% 1,655 $459,175,000 $277,447
<2.5% 705 $182,695,000 $259,142
4-5% 173 $66,965,000 $387,081
5-6% 36 $3,970,000 $110,278
6-7% 15 $2,635,000 $175,667
Over 8% 8 $6,340,000 $792,500
7-8% 4 $290,000 $72,500

During 2021, Grants Pass's most frequently originated rate bucket was 3-4%, with 1,672 originations.

Loan Sizing (GRANTS PASS, OR MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 2,598 $738,280,000 $284,172
$100k-200k 1,053 $163,925,000 $155,674
$400k-600k 489 $230,315,000 $470,992
$100,000 or less 343 $20,415,000 $59,519
$600k-1000k 51 $36,645,000 $718,529
$Over $1MM 9 $51,825,000 $5,758,333

GRANTS PASS's loan sizing saw the bucket of loans from $200k-400k with 2,598 originations, totaling $738,280,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,362 $412,270,000 $302,695
80-100% 1,146 $405,860,000 $354,154
40-60% 902 $218,820,000 $242,594
20-40% 414 $60,940,000 $147,198
Under 20% 255 $19,435,000 $76,216
Over 100% 38 $14,170,000 $372,895

GRANTS PASS's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,362 originations, totaling $412,270,000 in origination value.