Hermiston - Pendleton Mortgage Rates & Closing Costs
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% |
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.).
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.