Hermiston - Pendleton Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Hermiston - Pendleton averaged 6.89% for the week of 2025-07-03, compared to the national average of 6.67% for the same period.

The average rate for the prior week (2025-06-26) was 6.69% and one month ago for the week of 2025-05-29, the average rate was 7.01%.

Hermiston - Pendleton's average rate one year ago was 6.88%.

For refis of the same type during the week of 2025-07-03, the average rate was 6.97%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-07-03 6.67%
Hermiston - Pendleton 30 Year Fixed Rate 2025-07-03 6.89%
Hermiston - Pendleton 30 Year Fixed Rate Refi 2025-07-03 6.97%
Hermiston - Pendleton 15 Year Fixed Rate 2025-07-03 5.9%
Hermiston - Pendleton 15 Year Fixed Rate Refi 2025-07-03 6.4%
Hermiston - Pendleton 30 Year FHA 2025-07-03 -0.08%
Hermiston - Pendleton 30 Year FHA Refi 2025-07-03 0%
Hermiston - Pendleton 30 Year USDA 2025-07-03 -0.1%
Hermiston - Pendleton 30 Year USDA Refi 2025-07-03 0.1%
Hermiston - Pendleton 30 Year VA 2025-07-03 -0.05%
Hermiston - Pendleton 30 Year VA Refi 2025-07-03 0%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Hermiston-Pendleton, OR.

Hermiston - Pendleton 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 Hermiston-Pendleton, 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
GUILD MORTGAGE COMPANY 61 6.59% $7,159
AMERICAN PACIFIC MORTGAGE CORPORATION 42 6.76% $8,316
QUICKEN LOANS, LLC 29 6.79% $7,971
FIRST COMMUNITY 22 5.85% $3,852
CMG MORTGAGE, INC. 21 6.97% $7,829
BAYSHORE MORTGAGE FUNDING, LLC 17 6.56% $8,011
CHURCHILL MORTGAGE CORPORATION 15 6.76% $7,412
Umpqua Bank 15 6.78% $6,697
UNITED WHOLESALE MORTGAGE, LLC 13 6.76% $9,400
PREMIER MORTGAGE RESOURCES, L.L.C. 12 6.79% $8,528
Banner Bank 11 6.39% $6,613
S1L, Inc. 11 6.84% $8,242
MOVEMENT MORTGAGE, LLC 10 7.12% $7,583
LPMC, LLC 9 6.72% $6,520
Sierra Pacific Mortgage Company, Inc. 8 6.23% $6,558
GESA 8 6.45% $5,103
AXIA FINANCIAL, LLC 7 6.82% $7,775
U.S. Bank 6 6.91% $3,753
LOANDEPOT.COM, LLC 6 6.96% $6,453
JPMorgan Chase Bank 6 6.21% $4,880
MUTUAL OF OMAHA MORTGAGE, INC. 4 6.34% $8,878
HomeStreet Bank 3 6.88% $5,596
Northwest Farm Credit Services, FLCA 3 6.72% $3,347
PROVIDENT FUNDING ASSOCIATES, L.P. 3 6.50% $8,885
Washington Federal Bank 3 6.83% $5,148
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 3 6.96% $7,870
Citadel Servicing Corporation 3 8.46% $12,009
SUMMIT FUNDING, INC. 3 6.75% $11,906
PENNYMAC LOAN SERVICES, LLC 3 6.79% $6,495
ZILLOW HOME LOANS, LLC 2 7.31% $7,009
NATIONS DIRECT MORTGAGE, LLC 2 6.81% $3,307
BMO Harris Bank 2 6.75% $8,744
NEWREZ LLC 2 6.81% $5,690
OnPoint Community Credit Union 2 6.81% $2,831
BETTER MORTGAGE CORPORATION 2 6.63% $4,073
CALCON MUTUAL MORTGAGE LLC 2 5.38% $9,762
BROKER SOLUTIONS, INC. 2 7.25% $7,551
TWINSTAR 2 6.50% $7,060
Cornerstone First Mortgage, Inc 2 6.49% $6,189
MORTGAGE EXPRESS, LLC 2 6.93% $5,985
Century Mortgage Company DBA Century Lending Company 2 7.18% $5,077
CROSSCOUNTRY MORTGAGE, LLC 2 7.00% $6,308
Ally Bank 1 5.75% $10,149
Solarity Credit Union 1 5.63% $5,359
ALLIANT CREDIT UNION 1 6.50% $4,069
21ST MORTGAGE CORPORATION 1 7.99% $6,322
Wells Fargo Bank 1 8.13% $6,376
Willamette Valley Bank 1 7.00% $11,255
Sunflower Bank 1 6.49% $4,993
Commerce Home Mortgage, Inc. 1 9.50% $6,091
CORNERSTONE HOME LENDING, INC. 1 7.49% $8,948
ENVOY MORTGAGE, LTD 1 7.63% $8,389
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.63% $8,154
Bank of America 1 6.00% $10,133
First National Bank of America 1 9.50% $10,290
HAPO COMMUNITY CREDIT UNION 1 7.50% $5,931
HOMESIDE FINANCIAL, LLC 1 6.13% $9,765
HORIZON 1 7.13% $8,415
IDAHO CENTRAL 1 6.25% $5,658
KeyBank 1 6.38% $5,460
Lakeview Community Capital, LLC 1 6.99% $7,344
LAND HOME FINANCIAL SERVICES, INC. 1 6.63% $3,163
LOANPAL, LLC 1 5.88% $6,368
Logan Finance Corporation 1 6.62% $8,698
MARION AND POLK SCHOOLS CREDIT UNION 1 7.75% $3,377
MORIA DEVELOPMENT, INC. 1 6.99% $5,145
Mortgage Research Center, LLC 1 6.63% $7,380
1st Security Bank of Washington 1 6.63% $14,883
Mr. Cooper ( Nationstar Mortgage ) 1 7.49% $11,024
Nations Lending Corporation 1 5.88% $6,405
NEXERA HOLDING LLC 1 6.38% $3,522
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 6.63% $4,331
PANORAMA MORTGAGE GROUP, LLC 1 7.13% $11,337
Paramount Residential Mortgage Group, Inc. 1 6.38% $7,530
Plains Commerce Bank 1 6.63% $8,531
AMERISAVE MORTGAGE CORPORATION 1 6.50% $10,266
AMERICAN FINANCIAL NETWORK, INC. 1 7.63% $5,546

Hermiston - Pendleton Average Closing Costs & Other Stats

Hermiston-Pendleton, OR's 77 lenders originated 1,534 loans during 2024. The total origination value was $354,950,000, with an average loan value of $231,389.

Hermiston - Pendleton's average closing costs are $6,812.

The top Hermiston - Pendleton lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 61 loans originated. Their average total fees are $7,159, which is $1,157 lower than the next largest lender, AMERICAN PACIFIC MORTGAGE CORPORATION.

The lowest fee Hermiston - Pendleton lenders (with over 10 loans originated) are FIRST COMMUNITY ($3,852), Banner Bank ($6,613), Umpqua Bank ($6,697), GUILD MORTGAGE COMPANY ($7,159) and CHURCHILL MORTGAGE CORPORATION ($7,412).

The lowest rate Hermiston - Pendleton lenders (with over 10 loans originated) are FIRST COMMUNITY (5.85%), Banner Bank (6.39%), BAYSHORE MORTGAGE FUNDING, LLC (6.56%), GUILD MORTGAGE COMPANY (6.59%) and UNITED WHOLESALE MORTGAGE, LLC (6.76%).

Hermiston-Pendleton, 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 $40,315,000 $53,045,000 31.6% 14.9%
AMERICAN PACIFIC MORTGAGE CORPORATION $29,775,000 $35,650,000 19.7% 10.0%
CMG MORTGAGE, INC. $27,120,000 $21,995,000 -18.9% 6.2%
QUICKEN LOANS, LLC $17,135,000 $16,075,000 -6.2% 4.5%
BAYSHORE MORTGAGE FUNDING, LLC $13,600,000 n/a 3.8%
CHURCHILL MORTGAGE CORPORATION $7,590,000 $13,025,000 71.6% 3.7%
FIRST COMMUNITY $7,065,000 $12,780,000 80.9% 3.6%
Banner Bank $12,620,000 $11,590,000 -8.2% 3.3%
UNITED WHOLESALE MORTGAGE, LLC $8,130,000 $11,270,000 38.6% 3.2%
Umpqua Bank $11,800,000 $9,995,000 -15.3% 2.8%
AXIA FINANCIAL, LLC $9,980,000 $8,415,000 -15.7% 2.4%
Mortgage Research Center, LLC $6,030,000 $7,535,000 25.0% 2.1%
FREEDOM MORTGAGE CORPORATION $3,305,000 $6,355,000 92.3% 1.8%
S1L, Inc. $6,025,000 n/a 1.7%
U.S. Bank $3,835,000 $6,005,000 56.6% 1.7%
MOVEMENT MORTGAGE, LLC $550,000 $5,765,000 948.2% 1.6%
LPMC, LLC $5,620,000 $5,650,000 0.5% 1.6%
PREMIER MORTGAGE RESOURCES, L.L.C. $3,560,000 $5,320,000 49.4% 1.5%
Sierra Pacific Mortgage Company, Inc. $3,025,000 $4,725,000 56.2% 1.3%
Century Mortgage Company DBA Century Lending Company $3,815,000 $3,600,000 -5.6% 1.0%
NATIONS DIRECT MORTGAGE, LLC $3,795,000 $3,375,000 -11.1% 1.0%
GESA $3,155,000 $3,295,000 4.4% 0.9%
NEWREZ LLC $865,000 $3,245,000 275.1% 0.9%
LOANDEPOT.COM, LLC $3,020,000 $3,040,000 0.7% 0.9%
LIMA ONE CAPITAL, LLC $2,985,000 n/a 0.8%
PENNYMAC LOAN SERVICES, LLC $1,100,000 $2,915,000 165.0% 0.8%
SUCCESS MORTGAGE PARTNERS, INC. $2,620,000 n/a 0.7%
1st Security Bank of Washington $410,000 $2,420,000 490.2% 0.7%
Bank of Eastern Oregon $725,000 $2,400,000 231.0% 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,375,000 $2,390,000 0.6% 0.7%
NEW DAY FINANCIAL, LLC $1,130,000 $2,390,000 111.5% 0.7%
MUTUAL OF OMAHA MORTGAGE, INC. $255,000 $2,380,000 833.3% 0.7%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $1,495,000 $2,305,000 54.2% 0.6%
PLANET HOME LENDING, LLC $1,910,000 n/a 0.5%
HAPO COMMUNITY CREDIT UNION $2,070,000 $1,710,000 -17.4% 0.5%
JPMorgan Chase Bank $910,000 $1,600,000 75.8% 0.5%
HomeStreet Bank $3,770,000 $1,590,000 -57.8% 0.4%
NAVY FEDERAL CREDIT UNION $985,000 $1,520,000 54.3% 0.4%
SUMMIT FUNDING, INC. $485,000 $1,460,000 201.0% 0.4%
CROSSCOUNTRY MORTGAGE, LLC $1,180,000 $1,395,000 18.2% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $1,370,000 $1,340,000 -2.2% 0.4%
CALCON MUTUAL MORTGAGE LLC $1,290,000 n/a 0.4%
AMERISAVE MORTGAGE CORPORATION $1,205,000 $1,265,000 5.0% 0.4%
PACIFIC RESIDENTIAL MORTGAGE, LLC $1,220,000 n/a 0.3%
NBKC BANK $1,175,000 n/a 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,120,000 n/a 0.3%
SUN WEST MORTGAGE COMPANY, INC. $1,055,000 n/a 0.3%
Cornerstone First Mortgage, Inc $600,000 $1,020,000 70.0% 0.3%
VILLAGE CAPITAL MORTGAGE $1,020,000 n/a 0.3%
Citadel Servicing Corporation $400,000 $975,000 143.8% 0.3%
Northwest Farm Credit Services, FLCA $1,830,000 $965,000 -47.3% 0.3%
TRIAD FINANCIAL SERVICES, INC. $495,000 $915,000 84.8% 0.3%
PROVIDENT FUNDING ASSOCIATES, L.P. $855,000 n/a 0.2%
Plains Commerce Bank $840,000 n/a 0.2%
Washington Federal Bank $1,640,000 $815,000 -50.3% 0.2%
FINANCE OF AMERICA REVERSE LLC $415,000 $805,000 94.0% 0.2%
UNION HOME MORTGAGE CORP. $275,000 $800,000 190.9% 0.2%
Figure Lending LLC $295,000 $780,000 164.4% 0.2%
MORTGAGE EXPRESS, LLC $750,000 $765,000 2.0% 0.2%
Flagstar Bank, FSB $1,540,000 $740,000 -51.9% 0.2%
LOANPAL, LLC $610,000 $735,000 20.5% 0.2%
OnPoint Community Credit Union $625,000 $710,000 13.6% 0.2%
BROKER SOLUTIONS, INC. $525,000 $685,000 30.5% 0.2%
Paramount Residential Mortgage Group, Inc. $1,025,000 $685,000 -33.2% 0.2%
The Federal Savings Bank $805,000 $685,000 -14.9% 0.2%
Potlatch No. 1 Financial Credit Union $155,000 $675,000 335.5% 0.2%
TOP FLITE FINANCIAL, INC. $350,000 $675,000 92.9% 0.2%
Loan Simple, Inc. $460,000 $655,000 42.4% 0.2%
A&D Mortgage LLC $645,000 n/a 0.2%
LAKEVIEW LOAN SERVICING, LLC $65,000 $645,000 892.3% 0.2%
21ST MORTGAGE CORPORATION $45,000 $640,000 1,322.2% 0.2%
SPOKANE TEACHERS $765,000 $605,000 -20.9% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $560,000 $560,000 0.0% 0.2%
HORIZON $55,000 $555,000 909.1% 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $925,000 $550,000 -40.5% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,585,000 $550,000 -65.3% 0.2%
The Loan Store, Inc. $295,000 $545,000 84.7% 0.2%
ZILLOW HOME LOANS, LLC $295,000 $530,000 79.7% 0.1%
CORNERSTONE HOME LENDING, INC. $520,000 n/a 0.1%
BMO Harris Bank $100,000 $515,000 415.0% 0.1%
LEADERONE FINANCIAL CORPORATION $835,000 $515,000 -38.3% 0.1%
Wells Fargo Bank $880,000 $505,000 -42.6% 0.1%
BETTER MORTGAGE CORPORATION $185,000 $500,000 170.3% 0.1%
Nations Lending Corporation $495,000 n/a 0.1%
Discover Bank $500,000 $490,000 -2.0% 0.1%
TWINSTAR $65,000 $490,000 653.8% 0.1%
Willamette Valley Bank $135,000 $475,000 251.9% 0.1%
RF Renovo Management Company, LLC $145,000 $465,000 220.7% 0.1%
Carrington Mortgage Services, LLC $1,015,000 $460,000 -54.7% 0.1%
CARDINAL FINANCIAL $1,515,000 $450,000 -70.3% 0.1%
SUMMIT MORTGAGE CORPORATION $440,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $390,000 $435,000 11.5% 0.1%
ALLIANT CREDIT UNION $55,000 $410,000 645.5% 0.1%
LONGBRIDGE FINANCIAL, LLC $155,000 $395,000 154.8% 0.1%
PANORAMA MORTGAGE GROUP, LLC $495,000 $385,000 -22.2% 0.1%
EVERETT FINANCIAL, INC. $165,000 $375,000 127.3% 0.1%
Rivermark Community Credit Union $245,000 $360,000 46.9% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $335,000 n/a 0.1%
PHH Mortgage Corporation $55,000 $330,000 500.0% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $225,000 $325,000 44.4% 0.1%
PRIORITY HOME LENDING, LLC $255,000 $320,000 25.5% 0.1%
Old National Bank $305,000 n/a 0.1%
Bank of America $780,000 $295,000 -62.2% 0.1%
ENVOY MORTGAGE, LTD $295,000 n/a 0.1%
KeyBank $110,000 $295,000 168.2% 0.1%
Baker Boyer National Bank $1,095,000 $280,000 -74.4% 0.1%
Ally Bank $265,000 $265,000 0.0% 0.1%
DEEPHAVEN MORTGAGE LLC $265,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $265,000 n/a 0.1%
Texana Bank $265,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $530,000 $255,000 -51.9% 0.1%
CANOPY MORTGAGE, LLC $750,000 $245,000 -67.3% 0.1%
First National Bank of America $490,000 $235,000 -52.0% 0.1%
Hometown Equity Mortgage, LLC $235,000 n/a 0.1%
Sunflower Bank $340,000 $225,000 -33.8% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $215,000 n/a 0.1%
ROGUE $215,000 n/a 0.1%
Solarity Credit Union $215,000 n/a 0.1%
MARION AND POLK SCHOOLS CREDIT UNION $210,000 n/a 0.1%
IDAHO CENTRAL $700,000 $205,000 -70.7% 0.1%
Logan Finance Corporation $205,000 n/a 0.1%
NETWORK CAPITAL FUNDING CORPORATION $270,000 $205,000 -24.1% 0.1%
Oregon State Credit Union $205,000 n/a 0.1%
Third Federal Savings and Loan Association of Cleveland $205,000 n/a 0.1%
Equity Prime Mortgage LLC $635,000 $195,000 -69.3% 0.1%
Coastal Community Bank $135,000 $180,000 33.3% 0.1%
Barrington Bank & Trust Company, N.A. $175,000 n/a 0.0%
MORIA DEVELOPMENT, INC. $255,000 $175,000 -31.4% 0.0%
NEXERA HOLDING LLC $175,000 n/a 0.0%
Lakeview Community Capital, LLC $195,000 $155,000 -20.5% 0.0%
FEDEX EMPLOYEES CREDIT ASSOCIATION $135,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $135,000 n/a 0.0%
HighTechLending Inc $330,000 $125,000 -62.1% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $105,000 n/a 0.0%
Commerce Home Mortgage, Inc. $105,000 n/a 0.0%
RANLIFE, INC. $225,000 $105,000 -53.3% 0.0%
COLUMBIA COMMUNITY CREDIT UNION $285,000 $100,000 -64.9% 0.0%
iQ Credit Union $310,000 $95,000 -69.4% 0.0%
FIBRE FEDERAL CREDIT UNION $55,000 $80,000 45.5% 0.0%
Bethpage Federal Credit Union $75,000 n/a 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $25,000 n/a 0.0%
SPRING EQ, LLC $160,000 $25,000 -84.4% 0.0%

Hermiston - Pendleton's top lender by overall market share is GUILD MORTGAGE COMPANY, with 14.9% market share. In second place, with 10.0%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $35,650,000 in loans. In third place, with 6.2%, is CMG MORTGAGE, INC., having originated $21,995,000 in loans. In fourth place, with 4.5%, is QUICKEN LOANS, LLC, having originated $16,075,000 in loans. In fifth place, with 3.8%, is BAYSHORE MORTGAGE FUNDING, LLC, having originated $13,600,000 in loans.

Hermiston-Pendleton, OR Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 895 $249,065,000 $278,285
Cash Out Refi 223 $46,045,000 $206,480
Home Improvement 152 $12,550,000 $82,566
Other 132 $11,870,000 $89,924
Refi 132 $35,420,000 $268,333

Hermiston - Pendleton's most frequently cited loan purpose was Home Purchase, with 895 originations. The 2nd most popular reason was Cash Out Refi, with 223 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 721 $189,115,000 $262,295
5-6% 283 $75,965,000 $268,428
7-8% 255 $60,645,000 $237,824
Over 8% 249 $23,365,000 $93,835
4-5% 10 $3,030,000 $303,000
<2.5% 4 $330,000 $82,500
3-4% 2 $100,000 $50,000

During 2024, Hermiston - Pendleton's most frequently originated rate bucket was 6-7%, with 721 originations.

Loan Sizing (Hermiston-Pendleton, OR MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 817 $234,535,000 $287,069
$100,000 or less 307 $15,555,000 $50,668
$100k-200k 284 $43,420,000 $152,887
$400k-600k 117 $53,995,000 $461,496
$600k-1000k 8 $5,730,000 $716,250
$Over $1MM 1 $1,715,000 $1,715,000

Hermiston - Pendleton's loan sizing saw the bucket of loans from $200k-400k with 817 originations, totaling $234,535,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 722 $218,830,000 $303,089
60-80% 242 $61,760,000 $255,207
Under 20% 207 $8,725,000 $42,150
20-40% 160 $17,510,000 $109,438
40-60% 133 $26,265,000 $197,481
Over 100% 35 $11,955,000 $341,571

Hermiston - Pendleton's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 722 originations, totaling $218,830,000 in origination value.