GRANTS PASS Mortgage Rates & Closing Costs

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

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%
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 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.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
ROGUE 88 6.53% $5,520
Nations Lending Corporation 67 6.69% $4,581
GUILD MORTGAGE COMPANY 44 6.71% $9,658
FIRST COMMUNITY 29 5.30% $5,697
QUICKEN LOANS, LLC 28 6.83% $8,303
Sunflower Bank 25 6.53% $10,384
UNITED WHOLESALE MORTGAGE, LLC 21 6.72% $10,243
CROSSCOUNTRY MORTGAGE, LLC 17 6.92% $12,084
LOANDEPOT.COM, LLC 15 7.03% $7,673
Umpqua Bank 14 6.63% $5,066
NATIONS DIRECT MORTGAGE, LLC 11 6.62% $7,222
GUARANTEED RATE, INC. 8 6.55% $8,554
MORTGAGE EXPRESS, LLC 8 6.70% $5,416
U.S. Bank 7 6.69% $5,556
Mr. Cooper ( Nationstar Mortgage ) 6 7.14% $9,384
NAVY FEDERAL CREDIT UNION 6 6.23% $5,025
MOVEMENT MORTGAGE, LLC 5 7.19% $8,979
PENNYMAC LOAN SERVICES, LLC 5 7.12% $11,261
CMG MORTGAGE, INC. 5 6.27% $6,704
DIRECTORS MORTGAGE, INC. 4 7.34% $11,211
Banner Bank 4 6.84% $7,998
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 4 6.78% $7,260
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.69% $6,869
Willamette Valley Bank 3 7.17% $7,814
LENDSURE MORTGAGE CORP. 3 7.83% $12,521
JPMorgan Chase Bank 3 6.25% $8,252
Flagstar Bank, FSB 3 7.33% $7,791
BMO Harris Bank 2 6.81% $6,620
TWINSTAR 2 6.38% $8,190
BETTER MORTGAGE CORPORATION 2 6.06% $12,755
USAA Federal Savings Bank 2 7.50% $4,628
NEWREZ LLC 2 6.88% $5,055
Discover Bank 2 7.40% $0
Wells Fargo Bank 2 6.81% $4,305
ZILLOW HOME LOANS, LLC 2 7.06% $4,754
Morgan Stanley Private Bank 2 6.03% $3,397
MUTUAL OF OMAHA MORTGAGE, INC. 2 6.99% $8,074
Mortgage Research Center, LLC 2 7.00% $2,991
Century Mortgage Company DBA Century Lending Company 2 6.44% $11,645
MOUNTAIN WEST FINANCIAL, INC. 2 6.56% $5,843
Commerce Home Mortgage, Inc. 2 7.63% $8,896
INFINITY EQUITY GROUP, INC. 2 7.00% $7,744
CORNERSTONE HOME LENDING, INC. 2 6.88% $6,779
BROKER SOLUTIONS, INC. 2 6.31% $5,636
KeyBank 2 6.50% $7,735
PACIFIC RESIDENTIAL MORTGAGE, LLC 2 6.62% $9,158
SUMMIT FUNDING, INC. 2 7.13% $8,622
The Dart Bank 1 6.50% $5,343
AMERICAN INTERNET MORTGAGE, INC. 1 6.00% $4,575
American Mortgage & Equity Consultants, Inc. 1 7.49% $10,648
ARC HOME LLC 1 8.00% $9,522
Bank of America 1 6.50% $3,187
Bank of England 1 7.38% $6,949
Baxter Credit Union 1 6.25% $4,407
BAY EQUITY LLC 1 5.88% $4,082
EMBRACE HOME LOANS, INC. 1 5.25% $4,719
First Interstate Bank 1 5.25% $7,850
FUNDLOANS CAPITAL 1 8.63% $16,372
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 6.63% $7,401
HomeStreet Bank 1 7.25% $3,981
Hometown Equity Mortgage, LLC 1 6.63% $17,772
IDAHO CENTRAL 1 6.63% $7,763
JET DIRECT FUNDING CORP 1 6.99% $10,359
LAND HOME FINANCIAL SERVICES, INC. 1 7.13% $6,346
LEADERONE FINANCIAL CORPORATION 1 7.13% $4,700
LOANPAL, LLC 1 5.88% $4,683
MASON MCDUFFIE MORTGAGE CORPORATION 1 6.50% $3,661
MICHIGAN MUTUAL, INC. 1 6.99% $6,215
NexBank 1 6.63% $4,343
NMSI, INC. 1 7.00% $14,105
Northwest Farm Credit Services, FLCA 1 6.90% $10,180
NOVA FINANCIAL & INVESTMENT CORPORATION 1 7.13% $8,573
Oregon State Credit Union 1 6.75% $4,013
Paramount Residential Mortgage Group, Inc. 1 6.88% $2,216
Plains Commerce Bank 1 6.13% $17,407
PLAZA HOME MORTGAGE, INC. 1 6.13% $7,899
PLUS RELOCATION MORTGAGE, LLC 1 6.63% $4,736
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.75% $7,584
RED CANOE CREDIT UNION 1 4.88% $28,421
RESIDENTIAL BANCORP 1 6.63% $14,228
Rivermark Community Credit Union 1 5.88% $3,749
ROYAL UNITED MORTGAGE LLC 1 6.88% $6,941
SCENIC OAKS FUNDING, INC. 1 6.75% $5,758
SELCO COMMUNITY 1 6.38% $3,702
AMERICAN FINANCIAL RESOURCES, INC. 1 5.88% $7,218
TOWER 1 5.75% $3,524
Washington Federal Bank 1 7.13% $28,917
Waterstone Mortgage Corporation 1 7.13% $9,708

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.