Klamath Falls Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Klamath Falls averaged 6.77% for the week of 2022-11-23, compared to the national average of 6.58% for the same period.

The average rate for the prior week (2022-11-17) was 6.8% and one month ago for the week of 2022-10-20, the average rate was 7.43%.

Klamath Falls's average rate one year ago was 3.17%.

For refis of the same type during the week of 2022-11-23, the average rate was 6.67%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-11-23 6.58%
Klamath Falls 30 Year Fixed Rate 2022-11-23 6.77%
Klamath Falls 30 Year Fixed Rate Refi 2022-11-23 6.67%
Klamath Falls 15 Year Fixed Rate 2022-11-23 6.23%
Klamath Falls 15 Year Fixed Rate Refi 2022-11-23 6.34%
Klamath Falls 30 Year FHA 2022-11-23 0%
Klamath Falls 30 Year FHA Refi 2022-11-23 -0.01%
Klamath Falls 30 Year USDA 2022-11-23 0.26%
Klamath Falls 30 Year USDA Refi 2022-11-23 -0.05%
Klamath Falls 30 Year VA 2022-11-23 0.37%
Klamath Falls 30 Year VA Refi 2022-11-23 0.17%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Klamath Falls, OR.

Klamath Falls 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 Klamath Falls, 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. Closing Costs
CALIBER HOME LOANS, INC. 160 3.25% $3,764
QUICKEN LOANS, LLC 147 3.06% $5,715
Sierra Pacific Mortgage Company, Inc. 115 3.08% $4,492
Flagstar Bank, FSB 104 3.26% $3,758
SUMMIT FUNDING, INC. 101 3.23% $5,807
Umpqua Bank 79 3.08% $3,945
ROGUE 74 3.45% $3,792
AXIA FINANCIAL, LLC 48 3.40% $5,623
LOANDEPOT.COM, LLC 39 3.13% $6,044
STEARNS LENDING, LLC 37 3.02% $5,458
Wells Fargo Bank 28 3.12% $4,205
GUILD MORTGAGE COMPANY 23 3.17% $6,026
U.S. Bank 22 3.04% $3,755
UNITED WHOLESALE MORTGAGE, LLC 22 3.00% $6,549
FIRST COMMUNITY 21 3.07% $2,996
AMERISAVE MORTGAGE CORPORATION 20 2.94% $6,162
FINANCE OF AMERICA MORTGAGE LLC 18 3.18% $4,973
BROKER SOLUTIONS, INC. 17 3.21% $5,352
KELLER MORTGAGE, LLC 16 3.19% $2,893
ACADEMY MORTGAGE CORPORATION 16 3.38% $4,880
JPMorgan Chase Bank 14 3.27% $3,558
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 14 3.25% $4,180
NEWREZ LLC 14 3.03% $3,707
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 12 3.25% $6,111
FREEDOM MORTGAGE CORPORATION 11 3.19% $2,455
Washington Federal Bank 11 3.43% $5,426
PENNYMAC LOAN SERVICES, LLC 11 3.02% $6,362
NAVY FEDERAL CREDIT UNION 9 3.13% $4,675
Mr. Cooper ( Nationstar Mortgage ) 8 3.23% $4,433
Willamette Valley Bank 8 3.44% $4,991
AMERICAN FINANCIAL NETWORK, INC. 7 3.14% $8,951
CROSSCOUNTRY MORTGAGE, LLC 7 3.01% $6,967
OREGON COMMUNITY 7 3.18% $4,436
MUTUAL OF OMAHA MORTGAGE, INC. 7 2.91% $3,487
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 6 3.00% $4,615
PRIMELENDING, A PLAINSCAPITAL COMPANY 6 3.50% $5,159
LOANPAL, LLC 6 3.52% $3,912
Northwest Farm Credit Services, FLCA 6 3.75% $6,178
AMERICAN FINANCING CORPORATION 6 3.08% $4,010
DIRECTORS MORTGAGE, INC. 5 3.44% $8,401
BETTER MORTGAGE CORPORATION 5 2.78% $3,352
Carrington Mortgage Services, LLC 5 3.13% $3,734
FIRST TECHNOLOGY 5 3.13% $4,014
HOMEBRIDGE FINANCIAL SERVICES, INC. 5 2.95% $4,644
HOME POINT FINANCIAL CORPORATION 5 2.92% $2,910
MANN FINANCIAL INC. 5 3.58% $7,610
OnPoint Community Credit Union 5 3.03% $4,531
PACIFIC RESIDENTIAL MORTGAGE, LLC 5 3.28% $4,811
S1L, Inc. 5 3.42% $4,486
LPMC, LLC 4 3.34% $4,933
CHURCHILL MORTGAGE CORPORATION 4 3.78% $7,003
KeyBank 4 3.12% $3,275
NBKC BANK 4 2.88% $2,929
People's Bank of Commerce 4 3.28% $4,012
Nations Lending Corporation 3 3.29% $5,607
CMG MORTGAGE, INC. 3 3.21% $3,691
NETWORK CAPITAL FUNDING CORPORATION 3 3.50% $4,342
AMERICAN PACIFIC MORTGAGE CORPORATION 3 3.16% $5,099
PREMIER MORTGAGE RESOURCES, L.L.C. 3 2.92% $6,485
Columbia State Bank 3 2.79% $4,512
CANOPY MORTGAGE, LLC 3 2.83% $5,460
NATIONS DIRECT MORTGAGE, LLC 3 3.50% $6,417
ALL WESTERN MORTGAGE, INC. 3 3.46% $3,208
SUN WEST MORTGAGE COMPANY, INC. 3 3.35% $4,458
SWBC MORTGAGE CORPORATION 3 3.08% $4,973
Wyndham Capital Mortgage, Inc. 3 2.83% $3,359
LAKEVIEW LOAN SERVICING, LLC 2 3.31% $5,675
Bank of England 2 3.31% $7,263
Bank of America 2 3.00% $5,809
Mortgage Research Center, LLC 2 2.75% $5,287
LAND HOME FINANCIAL SERVICES, INC. 2 3.13% $5,208
GENEVA FINANCIAL, LLC 2 3.50% $3,461
PLAZA HOME MORTGAGE, INC. 2 2.87% $4,385
HomeStreet Bank 2 3.25% $5,721
CREDIT UNION MORTGAGE ASSOCIATION, INC. 2 3.06% $3,927
MUFG Union Bank 2 3.44% $7,068
First Interstate Bank 2 3.00% $4,557
PANORAMA MORTGAGE GROUP, LLC 2 3.38% $4,944
ZILLOW HOME LOANS, LLC 2 3.13% $5,235
SELCO COMMUNITY 2 2.93% $2,514
RANLIFE, INC. 2 3.56% $4,354
Gateway First Bank 2 3.25% $4,297
Baxter Credit Union 1 2.88% $3,706
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.50% $4,801
Banner Bank 1 3.13% $4,848
SOFI LENDING CORP. 1 2.75% $3,504
SOVEREIGN LENDING GROUP INCORPORATED 1 2.88% $4,196
Summit Mortgage Corporation 1 2.75% $5,339
SUMMIT MORTGAGE CORPORATION 1 3.13% $4,779
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 2.88% $3,891
ANGEL OAK HOME LOANS LLC 1 2.88% $3,562
Unitus Community Credit Union 1 3.00% $7,793
FIRST COLONY MORTGAGE CORPORATION 1 2.88% $6,556
GUARANTEED RATE, INC. 1 3.00% $2,889
FirstBank 1 2.75% $2,175
PHH Mortgage Corporation 1 3.88% $5,130
AMCAP MORTGAGE, LTD. 1 3.25% $3,808
Hometown Lenders, Inc. 1 3.25% $11,149
INFINITY EQUITY GROUP, INC. 1 3.00% $4,320
INLAND BANK & TRUST 1 3.38% $4,476
InterContinental Capital Group, Inc 1 2.50% $10,069
EVERETT FINANCIAL, INC. 1 3.50% $2,967
EMM LOANS LLC 1 3.25% $7,751
KINECTA 1 3.00% $9,498
LENOX FINANCIAL MORTGAGE CORPORATION 1 3.13% $3,570
CORNERSTONE HOME LENDING, INC. 1 3.99% $4,125
Loan Simple, Inc. 1 4.13% $5,165
MASON MCDUFFIE MORTGAGE CORPORATION 1 3.13% $5,051
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 3.00% $7,925
MOUNTAIN AMERICA 1 3.88% $4,954
MOUNTAIN WEST FINANCIAL, INC. 1 2.63% $5,934
MOVEMENT MORTGAGE, LLC 1 3.13% $4,102
COMMUNITY MORTGAGE FUNDING, LLC 1 2.63% $3,691
M&T Bank 1 3.88% $6,785
NEXERA HOLDING LLC 1 2.75% $3,152
Northpointe Bank 1 4.38% $4,905
CHERRY CREEK MORTGAGE, LLC 1 2.88% $6,420
ALAMEDA MORTGAGE CORPORATION 1 3.63% $6,313
Century Mortgage Company DBA Century Lending Company 1 3.25% $5,136
Oregon State Credit Union 1 3.13% $3,020
Paramount Residential Mortgage Group, Inc. 1 2.88% $12,673
CELEBRITY HOME LOANS, LLC 1 5.25% $5,387
PENTAGON FEDERAL CREDIT UNION 1 2.38% $2,237
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 2.75% $4,267
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.25% $4,180
PROVIDENT FUNDING ASSOCIATES, L.P. 1 2.75% $3,583
BAY EQUITY LLC 1 2.88% $3,238
RELIANCE FIRST CAPITAL, LLC 1 3.99% $5,353

Klamath Falls Average Closing Costs & Other Stats

Klamath Falls, OR's 128 lenders originated 3,277 loans during 2021. The total origination value was $709,045,000, with an average loan value of $216,370.

Klamath Falls's average closing costs are $5,176.

The top Klamath Falls lender as defined by loan originations is CALIBER HOME LOANS, INC., with 160 loans originated. Their average total fees are $3,764, which is $1,952 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Klamath Falls lenders (with over 10 loans originated) are FREEDOM MORTGAGE CORPORATION ($2,455), KELLER MORTGAGE, LLC ($2,893), FIRST COMMUNITY ($2,996), JPMorgan Chase Bank ($3,558) and NEWREZ LLC ($3,707).

The lowest rate Klamath Falls lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.94%), UNITED WHOLESALE MORTGAGE, LLC (3.00%), STEARNS LENDING, LLC (3.02%), PENNYMAC LOAN SERVICES, LLC (3.02%) and NEWREZ LLC (3.03%).

Klamath Falls, 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $48,795,000 $57,465,000 17.8% 8.1%
CALIBER HOME LOANS, INC. $39,825,000 $54,925,000 37.9% 7.7%
Umpqua Bank $33,515,000 $46,355,000 38.3% 6.5%
Sierra Pacific Mortgage Company, Inc. $35,760,000 $45,575,000 27.4% 6.4%
Flagstar Bank, FSB $30,095,000 $40,395,000 34.2% 5.7%
SUMMIT FUNDING, INC. $13,020,000 $36,810,000 182.7% 5.2%
FREEDOM MORTGAGE CORPORATION $32,085,000 $27,280,000 -15.0% 3.8%
ROGUE $19,135,000 $27,235,000 42.3% 3.8%
LOANDEPOT.COM, LLC $11,125,000 $21,015,000 88.9% 3.0%
AXIA FINANCIAL, LLC $24,920,000 $20,500,000 -17.7% 2.9%
Mortgage Research Center, LLC $15,865,000 $14,150,000 -10.8% 2.0%
STEARNS LENDING, LLC $35,545,000 $13,590,000 -61.8% 1.9%
U.S. Bank $8,915,000 $12,905,000 44.8% 1.8%
People's Bank of Commerce $2,200,000 $12,320,000 460.0% 1.7%
PENNYMAC LOAN SERVICES, LLC $2,890,000 $11,475,000 297.1% 1.6%
Wells Fargo Bank $8,795,000 $10,825,000 23.1% 1.5%
UNITED WHOLESALE MORTGAGE, LLC $7,695,000 $10,530,000 36.8% 1.5%
Washington Federal Bank $7,480,000 $9,810,000 31.1% 1.4%
GUILD MORTGAGE COMPANY $7,120,000 $8,770,000 23.2% 1.2%
AMERISAVE MORTGAGE CORPORATION $2,125,000 $7,650,000 260.0% 1.1%
FIRST COMMUNITY $12,450,000 $6,630,000 -46.7% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $3,480,000 $6,025,000 73.1% 0.8%
ACADEMY MORTGAGE CORPORATION $1,565,000 $6,020,000 284.7% 0.8%
Solarity Credit Union $5,805,000 n/a 0.8%
BROKER SOLUTIONS, INC. $2,935,000 $5,585,000 90.3% 0.8%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $5,250,000 $5,485,000 4.5% 0.8%
NEWREZ LLC $3,010,000 $5,420,000 80.1% 0.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $7,815,000 $5,395,000 -31.0% 0.8%
KELLER MORTGAGE, LLC $2,420,000 $5,380,000 122.3% 0.8%
LAKEVIEW LOAN SERVICING, LLC $4,345,000 $4,955,000 14.0% 0.7%
JPMorgan Chase Bank $3,320,000 $4,945,000 48.9% 0.7%
OREGON COMMUNITY $5,715,000 $4,580,000 -19.9% 0.6%
NAVY FEDERAL CREDIT UNION $1,770,000 $4,265,000 141.0% 0.6%
FINANCE OF AMERICA MORTGAGE LLC $5,180,000 $3,975,000 -23.3% 0.6%
USAA Federal Savings Bank $5,085,000 $3,650,000 -28.2% 0.5%
CMG MORTGAGE, INC. $3,035,000 $3,605,000 18.8% 0.5%
HOME POINT FINANCIAL CORPORATION $660,000 $3,290,000 398.5% 0.5%
First Interstate Bank $2,130,000 $3,275,000 53.8% 0.5%
NEW DAY FINANCIAL, LLC $3,175,000 $3,205,000 0.9% 0.5%
Mid Oregon Federal Credit Union $940,000 $3,150,000 235.1% 0.4%
DIRECTORS MORTGAGE, INC. $575,000 $3,045,000 429.6% 0.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,765,000 $2,980,000 68.8% 0.4%
VILLAGE CAPITAL & INVESTMENT LLC $1,890,000 $2,830,000 49.7% 0.4%
CROSSCOUNTRY MORTGAGE, LLC $2,025,000 $2,810,000 38.8% 0.4%
HOMEBRIDGE FINANCIAL SERVICES, INC. $2,345,000 $2,770,000 18.1% 0.4%
MANN FINANCIAL INC. $275,000 $2,650,000 863.6% 0.4%
Nations Lending Corporation $2,930,000 $2,645,000 -9.7% 0.4%
OnPoint Community Credit Union $900,000 $2,545,000 182.8% 0.4%
SUN WEST MORTGAGE COMPANY, INC. $645,000 $2,540,000 293.8% 0.4%
Carrington Mortgage Services, LLC $1,500,000 $2,495,000 66.3% 0.4%
HomeStreet Bank $475,000 $2,200,000 363.2% 0.3%
Northwest Farm Credit Services, FLCA $1,510,000 $2,185,000 44.7% 0.3%
Banner Bank $1,370,000 $2,165,000 58.0% 0.3%
AMERICAN FINANCING CORPORATION $710,000 $2,145,000 202.1% 0.3%
CHURCHILL MORTGAGE CORPORATION $2,310,000 $2,130,000 -7.8% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $2,900,000 $2,130,000 -26.6% 0.3%
S1L, Inc. $940,000 $2,130,000 126.6% 0.3%
BETTER MORTGAGE CORPORATION $1,665,000 $2,045,000 22.8% 0.3%
AMERICAN FINANCIAL NETWORK, INC. $750,000 $2,000,000 166.7% 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $995,000 $1,860,000 86.9% 0.3%
NBKC BANK $1,740,000 $1,815,000 4.3% 0.3%
InterContinental Capital Group, Inc $3,125,000 $1,765,000 -43.5% 0.2%
MORTGAGE EXPRESS, LLC $1,415,000 $1,715,000 21.2% 0.2%
KeyBank $1,525,000 $1,705,000 11.8% 0.2%
Magnolia Bank $655,000 $1,675,000 155.7% 0.2%
NATIONS DIRECT MORTGAGE, LLC $2,280,000 $1,640,000 -28.1% 0.2%
MID AMERICA MORTGAGE, INC. $1,375,000 $1,605,000 16.7% 0.2%
Columbia State Bank $380,000 $1,595,000 319.7% 0.2%
Willamette Valley Bank $2,555,000 $1,570,000 -38.6% 0.2%
LOANPAL, LLC $280,000 $1,490,000 432.1% 0.2%
ALL WESTERN MORTGAGE, INC. $2,030,000 $1,445,000 -28.8% 0.2%
Prime Choice Funding Inc. $4,985,000 $1,410,000 -71.7% 0.2%
FIRST TECHNOLOGY $855,000 $1,390,000 62.6% 0.2%
Commerce Home Mortgage, Inc. $405,000 $1,275,000 214.8% 0.2%
PLANET HOME LENDING, LLC $1,640,000 $1,265,000 -22.9% 0.2%
LPMC, LLC $615,000 $1,250,000 103.3% 0.2%
Pinnacle Bank $3,730,000 $1,225,000 -67.2% 0.2%
Low VA Rates, LLC $925,000 $1,130,000 22.2% 0.2%
RANLIFE, INC. $155,000 $1,095,000 606.5% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $835,000 $1,090,000 30.5% 0.2%
PACIFIC RESIDENTIAL MORTGAGE, LLC $1,395,000 $1,080,000 -22.6% 0.2%
REVERSE MORTGAGE FUNDING LLC $1,535,000 $1,075,000 -30.0% 0.2%
AMERICAN ADVISORS GROUP $720,000 $1,055,000 46.5% 0.1%
CELEBRITY HOME LOANS, LLC $700,000 $1,055,000 50.7% 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $945,000 $1,035,000 9.5% 0.1%
First Guaranty Mortgage Corporation $1,245,000 $955,000 -23.3% 0.1%
CLEARPATH LENDING $950,000 n/a 0.1%
MOVEMENT MORTGAGE, LLC $1,030,000 $950,000 -7.8% 0.1%
Barrington Bank & Trust Company, N.A. $2,100,000 $920,000 -56.2% 0.1%
Wyndham Capital Mortgage, Inc. $265,000 $865,000 226.4% 0.1%
PLAZA HOME MORTGAGE, INC. $840,000 n/a 0.1%
1st Security Bank of Washington $410,000 $820,000 100.0% 0.1%
NORTHWEST COMMUNITY $1,025,000 $815,000 -20.5% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $675,000 $810,000 20.0% 0.1%
CANOPY MORTGAGE, LLC $960,000 $795,000 -17.2% 0.1%
GENEVA FINANCIAL, LLC $495,000 $780,000 57.6% 0.1%
COREVEST AMERICAN FINANCE LENDER LLC $855,000 $755,000 -11.7% 0.1%
PHH Mortgage Corporation $180,000 $755,000 319.4% 0.1%
CHERRY CREEK MORTGAGE, LLC $750,000 $725,000 -3.3% 0.1%
The Federal Savings Bank $2,875,000 $715,000 -75.1% 0.1%
AMCAP MORTGAGE, LTD. $705,000 n/a 0.1%
FirstBank $700,000 n/a 0.1%
Bank of America $1,805,000 $685,000 -62.0% 0.1%
PENTAGON FEDERAL CREDIT UNION $680,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $650,000 n/a 0.1%
Bank of England $720,000 $650,000 -9.7% 0.1%
21ST MORTGAGE CORPORATION $705,000 $625,000 -11.3% 0.1%
Gateway First Bank $615,000 $610,000 -0.8% 0.1%
SWBC MORTGAGE CORPORATION $605,000 n/a 0.1%
PANORAMA MORTGAGE GROUP, LLC $590,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $715,000 $590,000 -17.5% 0.1%
Manufacturers and Traders Trust Company $165,000 $585,000 254.5% 0.1%
GUARANTEED RATE, INC. $530,000 $555,000 4.7% 0.1%
KINECTA $555,000 n/a 0.1%
SELCO COMMUNITY $485,000 $545,000 12.4% 0.1%
ZILLOW HOME LOANS, LLC $545,000 n/a 0.1%
LADERA LENDING, INC. $540,000 n/a 0.1%
SOFI LENDING CORP. $540,000 n/a 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $1,135,000 $525,000 -53.7% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $525,000 n/a 0.1%
LENDUS, LLC $185,000 $520,000 181.1% 0.1%
Northpointe Bank $205,000 $505,000 146.3% 0.1%
Hometown Lenders, Inc. $485,000 n/a 0.1%
Loan Simple, Inc. $75,000 $470,000 526.7% 0.1%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $155,000 $430,000 177.4% 0.1%
NETWORK CAPITAL FUNDING CORPORATION $290,000 $425,000 46.6% 0.1%
VELOCITY COMMERCIAL CAPITAL, LLC $415,000 n/a 0.1%
First Savings Bank $760,000 $410,000 -46.1% 0.1%
Summit Mortgage Corporation $405,000 n/a 0.1%
MUFG Union Bank $400,000 n/a 0.1%
Baxter Credit Union $365,000 n/a 0.1%
OPEN MORTGAGE, LLC $95,000 $360,000 278.9% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $570,000 $340,000 -40.4% 0.0%
Capital Bank $335,000 $335,000 0.0% 0.0%
INLAND BANK & TRUST $335,000 n/a 0.0%
SUMMIT MORTGAGE CORPORATION $335,000 n/a 0.0%
Unitus Community Credit Union $1,045,000 $325,000 -68.9% 0.0%
Boeing Employees Credit Union $85,000 $320,000 276.5% 0.0%
LENDING 3, INC. $690,000 $320,000 -53.6% 0.0%
CALCULATED RISK ANALYTICS LLC $305,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $290,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $280,000 n/a 0.0%
Cornerstone First Mortgage, Inc $165,000 $275,000 66.7% 0.0%
ANGEL OAK HOME LOANS LLC $265,000 n/a 0.0%
NEXERA HOLDING LLC $265,000 n/a 0.0%
ARC HOME LLC $255,000 n/a 0.0%
MOUNTAIN WEST FINANCIAL, INC. $195,000 $255,000 30.8% 0.0%
Stifel Bank and Trust $295,000 $255,000 -13.6% 0.0%
SOUTHWEST STAGE FUNDING, LLC $135,000 $250,000 85.2% 0.0%
COMMUNITY MORTGAGE FUNDING, LLC $165,000 $245,000 48.5% 0.0%
CONTOUR MORTGAGE CORPORATION $245,000 n/a 0.0%
CORNERSTONE HOME LENDING, INC. $300,000 $245,000 -18.3% 0.0%
FIRST COLONY MORTGAGE CORPORATION $245,000 n/a 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $240,000 n/a 0.0%
Service Federal Credit Union $235,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $230,000 n/a 0.0%
ALAMEDA MORTGAGE CORPORATION $235,000 $205,000 -12.8% 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $205,000 n/a 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $790,000 $205,000 -74.1% 0.0%
Oregon State Credit Union $755,000 $205,000 -72.8% 0.0%
AmeriHome Mortgage Company, LLC $740,000 $195,000 -73.6% 0.0%
BAY EQUITY LLC $185,000 $195,000 5.4% 0.0%
EMM LOANS LLC $225,000 $195,000 -13.3% 0.0%
FBC MORTGAGE, LLC $195,000 n/a 0.0%
IMPAC MORTGAGE CORP. $590,000 $195,000 -66.9% 0.0%
INFINITY EQUITY GROUP, INC. $225,000 $195,000 -13.3% 0.0%
PREMIER LENDING, INC. $205,000 $195,000 -4.9% 0.0%
Century Mortgage Company DBA Century Lending Company $185,000 n/a 0.0%
MASON MCDUFFIE MORTGAGE CORPORATION $175,000 n/a 0.0%
DATA MORTGAGE, INC. $165,000 $170,000 3.0% 0.0%
EVERETT FINANCIAL, INC. $165,000 n/a 0.0%
NP, Inc. $185,000 $165,000 -10.8% 0.0%
Figure Lending LLC $160,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $155,000 n/a 0.0%
PNC Bank $195,000 $155,000 -20.5% 0.0%
Armed Forces Bank $145,000 n/a 0.0%
First National Bank of Omaha $145,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $435,000 $145,000 -66.7% 0.0%
North American Savings Bank, F.S.B. $135,000 n/a 0.0%
Watermark Capital, Inc. $135,000 n/a 0.0%
Alerus Financial $125,000 n/a 0.0%
MOUNTAIN AMERICA $125,000 n/a 0.0%
RELIANCE FIRST CAPITAL, LLC $455,000 $125,000 -72.5% 0.0%
TRIAD FINANCIAL SERVICES, INC. $125,000 n/a 0.0%
MORIA DEVELOPMENT, INC. $115,000 $115,000 0.0% 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $115,000 $105,000 -8.7% 0.0%
TIAA, FSB $55,000 $105,000 90.9% 0.0%
CENTRAL WILLAMETTE Credit Union $95,000 n/a 0.0%
Discover Bank $235,000 $95,000 -59.6% 0.0%
MORTGAGE MANAGEMENT CONSULTANTS, INC. $95,000 n/a 0.0%
First Federal Savings and Loan Association of Port Angeles $75,000 n/a 0.0%
PacWest Funding Inc. $45,000 $75,000 66.7% 0.0%
SPOKANE TEACHERS $75,000 n/a 0.0%
BayCoast Bank $65,000 n/a 0.0%
Colonial Savings, F.A. $165,000 $65,000 -60.6% 0.0%
COLUMBIA COMMUNITY CREDIT UNION $405,000 $55,000 -86.4% 0.0%

Klamath Falls's top lender by overall market share is QUICKEN LOANS, LLC, with 8.1% market share. In second place, with 7.7%, is CALIBER HOME LOANS, INC., having originated $54,925,000 in loans. In third place, with 6.5%, is Umpqua Bank, having originated $46,355,000 in loans. In fourth place, with 6.4%, is Sierra Pacific Mortgage Company, Inc., having originated $45,575,000 in loans. In fifth place, with 5.7%, is Flagstar Bank, FSB, having originated $40,395,000 in loans.


Klamath Falls Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Klamath Falls (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $211,250 (16.7%) $280,294 (4.5%) 0.00 307
2018-02-01 $211,975 (17.8%) $274,022 (-1.0%) 0.00 305
2018-03-01 $219,000 (15.6%) $289,276 (-2.4%) 0.00 304
2018-04-01 $237,500 (21.8%) $309,779 (4.6%) 0.00 305
2018-05-01 $250,000 (19.2%) $318,895 (6.0%) 0.00 336
2018-06-01 $239,000 (19.4%) $308,275 (3.7%) 0.00 376
2018-07-01 $248,000 (23.4%) $308,715 (4.2%) 0.00 393
2018-08-01 $246,975 (24.9%) $310,817 (11.7%) 0.00 414
2018-09-01 $244,900 (19.2%) $314,936 (12.9%) 0.00 447
2018-10-01 $239,950 (14.5%) $313,740 (9.2%) 0.00 423
2018-11-01 $249,000 (16.6%) $318,953 (10.0%) 0.00 406
2018-12-01 $244,900 (16.6%) $317,634 (11.2%) 0.00 364
2019-01-01 $242,450 (14.8%) $320,283 (14.3%) 0.00 326
2019-02-01 $248,000 (17.0%) $319,435 (16.6%) 0.00 293
2019-03-01 $256,329 (17.1%) $330,219 (14.2%) 0.00 284
2019-04-01 $264,950 (11.6%) $332,671 (7.4%) 0.00 300
2019-05-01 $266,425 (6.6%) $332,751 (4.3%) 0.00 337
2019-06-01 $274,950 (15.0%) $339,619 (10.2%) 0.00 400
2019-07-01 $272,450 (9.9%) $331,365 (7.3%) 0.00 453
2019-08-01 $268,550 (8.7%) $330,454 (6.3%) 0.00 446
2019-09-01 $266,525 (8.8%) $330,584 (5.0%) 0.00 431
2019-10-01 $264,925 (10.4%) $330,318 (5.3%) 0.00 412
2019-11-01 $259,000 (4.0%) $331,719 (4.0%) 0.00 341
2019-12-01 $247,100 (0.9%) $330,269 (4.0%) 0.00 292
2020-01-01 $238,500 (-1.6%) $328,582 (2.6%) 0.00 248
2020-02-01 $264,900 (6.8%) $348,825 (9.2%) 0.00 235
2020-03-01 $258,450 (0.8%) $341,410 (3.4%) 0.00 259
2020-04-01 $259,000 (-2.3%) $323,058 (-2.9%) 0.00 280
2020-05-01 $275,000 (3.2%) $353,847 (6.3%) 0.00 242
2020-06-01 $294,975 (7.3%) $379,170 (11.7%) 0.00 208
2020-07-01 $308,875 (13.4%) $386,354 (16.6%) 0.00 213
2020-08-01 $329,000 (22.5%) $404,202 (22.3%) 0.00 193
2020-09-01 $339,125 (27.2%) $426,169 (28.9%) 0.00 179
2020-10-01 $331,500 (25.1%) $424,124 (28.4%) 0.00 171
2020-11-01 $329,000 (27.0%) $432,535 (30.4%) 0.00 136
2020-12-01 $319,975 (29.5%) $403,495 (22.2%) 0.00 118
2021-01-01 $325,000 (36.3%) $418,039 (27.2%) 0.00 104
2021-02-01 $329,450 (24.4%) $570,167 (63.5%) 0.00 90
2021-03-01 $311,950 (20.7%) $597,292 (75.0%) 0.00 77
2021-04-01 $326,250 (26.0%) $582,089 (80.2%) 0.00 93
2021-05-01 $339,000 (23.3%) $542,190 (53.2%) 0.00 126
2021-06-01 $335,950 (13.9%) $509,370 (34.3%) 0.00 144
2021-07-01 $345,000 (11.7%) $518,240 (34.1%) 0.00 152
2021-08-01 $349,750 (6.3%) $505,716 (25.1%) 0.00 170
2021-09-01 $342,500 (1.0%) $488,275 (14.6%) 0.00 183
2021-10-01 $349,450 (5.4%) $492,169 (16.0%) 0.00 183
2021-11-01 $344,500 (4.7%) $519,672 (20.2%) 0.00 149
2021-12-01 $359,875 (12.5%) $546,636 (35.5%) 0.00 132
2022-01-01 $354,900 (9.2%) $568,570 (36.0%) 0.00 109
2022-02-01 $377,000 (14.4%) $658,758 (15.5%) 0.00 104
2022-03-01 $378,500 (21.3%) $620,015 (3.8%) 0.00 120
2022-04-01 $379,900 (16.4%) $617,840 (6.1%) 0.00 142
2022-05-01 $373,750 (10.3%) $570,664 (5.3%) 0.00 177
2022-06-01 $363,750 (8.3%) $549,050 (7.8%) 0.00 208
2022-07-01 $371,000 (7.5%) $574,599 (10.9%) 0.00 215
2022-08-01 $360,000 (2.9%) $555,870 (9.9%) 0.00 212
2022-09-01 $369,000 (7.7%) $566,287 (16.0%) 0.00 194
2022-10-01 $375,000 (7.3%) $555,329 (12.8%) 0.00 205
Klamath Falls's median listing price for 2022-10-01 was $375,000, a difference of $25,550 (7.3%) versus the prior year and $6,000 versus the prior month.

Klamath Falls's median listing price comes in at 0% of the national average.

Klamath Falls's average listing price for 2022-10-01 was $555,329, a difference of $63,160 (12.8%) versus the prior year and $-10,958 versus the prior month.

For the 2022-10-01 period, Klamath Falls had 205 MLS listings, a difference of 11 listings (6%) versus the prior month and 22 listings (12%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Klamath Falls (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,664 sqft
2018-02-01 0 days 1,677 sqft
2018-03-01 0 days 1,736 sqft
2018-04-01 0 days 1,806 sqft
2018-05-01 0 days 1,829 sqft
2018-06-01 0 days 1,782 sqft
2018-07-01 0 days 1,782 sqft
2018-08-01 0 days 1,775 sqft
2018-09-01 0 days 1,783 sqft
2018-10-01 0 days 1,781 sqft
2018-11-01 0 days 1,795 sqft
2018-12-01 0 days 1,792 sqft
2019-01-01 0 days 1,793 sqft
2019-02-01 0 days 1,787 sqft
2019-03-01 0 days 1,838 sqft
2019-04-01 0 days 1,872 sqft
2019-05-01 0 days 1,848 sqft
2019-06-01 0 days 1,887 sqft
2019-07-01 0 days 1,866 sqft
2019-08-01 0 days 1,868 sqft
2019-09-01 0 days 1,861 sqft
2019-10-01 0 days 1,868 sqft
2019-11-01 0 days 1,878 sqft
2019-12-01 0 days 1,841 sqft
2020-01-01 0 days 1,773 sqft
2020-02-01 0 days 1,820 sqft
2020-03-01 0 days 1,783 sqft
2020-04-01 0 days 1,771 sqft
2020-05-01 0 days 1,862 sqft
2020-06-01 0 days 1,912 sqft
2020-07-01 0 days 1,912 sqft
2020-08-01 0 days 2,027 sqft
2020-09-01 0 days 2,071 sqft
2020-10-01 0 days 1,960 sqft
2020-11-01 0 days 1,919 sqft
2020-12-01 0 days 1,772 sqft
2021-01-01 0 days 1,805 sqft
2021-02-01 0 days 1,891 sqft
2021-03-01 0 days 1,906 sqft
2021-04-01 0 days 1,995 sqft
2021-05-01 0 days 1,828 sqft
2021-06-01 0 days 1,764 sqft
2021-07-01 0 days 1,787 sqft
2021-08-01 0 days 1,719 sqft
2021-09-01 0 days 1,587 sqft
2021-10-01 0 days 1,600 sqft
2021-11-01 0 days 1,577 sqft
2021-12-01 0 days 1,610 sqft
2022-01-01 0 days 1,629 sqft
2022-02-01 0 days 1,743 sqft
2022-03-01 0 days 1,881 sqft
2022-04-01 0 days 1,898 sqft
2022-05-01 0 days 1,840 sqft
2022-06-01 0 days 1,870 sqft
2022-07-01 0 days 1,792 sqft
2022-08-01 0 days 1,710 sqft
2022-09-01 0 days 1,737 sqft
2022-10-01 0 days 1,732 sqft
Klamath Falls's median listing age (time on market) for 2022-10-01 was 0 days.

Klamath Falls's median square footage for active listings during the 2022-10-01 period was 1,732 sqft. One year prior, the average listing was 1,600 sqft.

Klamath Falls, OR Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,212 $314,240,000 $259,274
Refi 1,170 $228,730,000 $195,496
Cash Out Refi 697 $147,095,000 $211,040
Home Improvement 127 $11,675,000 $91,929
Other 71 $7,305,000 $102,887

Klamath Falls's most frequently cited loan purpose was Home Purchase, with 1,212 originations. The 2nd most popular reason was Refi, with 1,170 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,265 $273,335,000 $216,075
2.5-3% 1,230 $274,860,000 $223,463
<2.5% 571 $124,025,000 $217,207
4-5% 146 $27,580,000 $188,904
5-6% 27 $4,045,000 $149,815
6-7% 9 $1,115,000 $123,889
7-8% 7 $485,000 $69,286
Over 8% 3 $175,000 $58,333

During 2021, Klamath Falls's most frequently originated rate bucket was 3-4%, with 1,265 originations.

Loan Sizing (Klamath Falls, OR MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,368 $208,110,000 $152,127
$200k-400k 1,347 $366,475,000 $272,068
$100,000 or less 370 $24,520,000 $66,270
$400k-600k 168 $77,890,000 $463,631
$600k-1000k 16 $10,710,000 $669,375
$Over $1MM 8 $21,340,000 $2,667,500

Klamath Falls's loan sizing saw the bucket of loans from $100k-200k with 1,368 originations, totaling $208,110,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,141 $281,665,000 $246,858
60-80% 1,063 $256,035,000 $240,861
40-60% 493 $85,315,000 $173,053
20-40% 225 $24,795,000 $110,200
Under 20% 100 $4,050,000 $40,500
Over 100% 48 $15,420,000 $321,250

Klamath Falls's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,141 originations, totaling $281,665,000 in origination value.