Klamath Falls Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Klamath Falls averaged 6.6% for the week of 2024-11-14, compared to the national average of 6.78% for the same period.

    The average rate for the prior week (2024-11-07) was 6.91% and one month ago for the week of 2024-10-10, the average rate was 6.54%.

    Klamath Falls's average rate one year ago was 7.62%.

    For refis of the same type during the week of 2024-11-14, the average rate was 6.88%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-14 6.78%
    Klamath Falls 30 Year Fixed Rate 2024-11-14 6.6%
    Klamath Falls 30 Year Fixed Rate Refi 2024-11-14 6.88%
    Klamath Falls 15 Year Fixed Rate 2024-11-14 5.79%
    Klamath Falls 15 Year Fixed Rate Refi 2024-11-14 5.99%
    Klamath Falls 30 Year FHA 2024-11-14 -0.63%
    Klamath Falls 30 Year FHA Refi 2024-11-14 0.1%
    Klamath Falls 30 Year USDA 2024-11-14 0%
    Klamath Falls 30 Year USDA Refi 2024-11-14 0.1%
    Klamath Falls 30 Year VA 2024-11-14 -0.02%
    Klamath Falls 30 Year VA Refi 2024-11-14 0.2%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    SUMMIT FUNDING, INC. 48 6.66% $9,017
    QUICKEN LOANS, LLC 30 6.50% $7,922
    ROGUE 30 7.38% $4,534
    CALIBER HOME LOANS, INC. 28 6.37% $7,665
    Flagstar Bank, FSB 23 7.12% $5,111
    Century Mortgage Company DBA Century Lending Company 20 6.62% $9,213
    Sierra Pacific Mortgage Company, Inc. 19 6.82% $7,187
    Umpqua Bank 18 6.92% $5,695
    NEWREZ LLC 17 7.31% $7,573
    MASON MCDUFFIE MORTGAGE CORPORATION 15 6.85% $6,395
    ACADEMY MORTGAGE CORPORATION 10 6.99% $8,775
    Washington Federal Bank 9 6.89% $5,716
    LOANDEPOT.COM, LLC 9 6.85% $7,502
    DHI MORTGAGE COMPANY, LTD. 7 5.87% $3,738
    UNITED WHOLESALE MORTGAGE, LLC 7 6.93% $9,144
    PENNYMAC LOAN SERVICES, LLC 6 6.56% $7,734
    Wells Fargo Bank 6 6.79% $5,862
    FIRST COMMUNITY 6 6.88% $3,181
    Mr. Cooper ( Nationstar Mortgage ) 5 6.82% $11,720
    CROSSCOUNTRY MORTGAGE, LLC 4 7.04% $8,770
    JPMorgan Chase Bank 4 6.75% $5,191
    OnPoint Community Credit Union 4 6.19% $4,993
    CMG MORTGAGE, INC. 4 7.12% $6,204
    GUILD MORTGAGE COMPANY 4 6.34% $11,257
    MOVEMENT MORTGAGE, LLC 4 7.25% $8,809
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 3 6.71% $7,080
    S1L, Inc. 3 7.38% $5,162
    BROKER SOLUTIONS, INC. 3 7.37% $10,083
    Willamette Valley Bank 2 6.19% $7,240
    Ally Bank 2 5.94% $5,778
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 6.62% $7,319
    MANN FINANCIAL INC. 2 7.88% $12,594
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 7.13% $7,722
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.69% $12,662
    PREMIER MORTGAGE RESOURCES, L.L.C. 2 6.75% $7,168
    RANLIFE, INC. 2 7.50% $9,349
    GENEVA FINANCIAL, LLC 1 7.63% $17,114
    KeyBank 1 7.38% $8,833
    FREEDOM MORTGAGE CORPORATION 1 8.63% $6,515
    LPMC, LLC 1 6.75% $5,611
    U.S. Bank 1 5.99% $4,876
    FBC MORTGAGE, LLC 1 5.00% $4,144
    MLD MORTGAGE INC. 1 7.13% $12,876
    MORTGAGE ACCESS CORP. 1 6.25% $9,312
    MORTGAGE EXPRESS, LLC 1 6.63% $4,291
    Mortgage Research Center, LLC 1 6.50% $329
    VAN DYK MORTGAGE CORPORATION 1 6.38% $3,855
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.13% $5,591
    DRAPER AND KRAMER MORTGAGE CORP. 1 6.38% $5,292
    ARC HOME LLC 1 6.38% $6,687
    NATIONS DIRECT MORTGAGE, LLC 1 7.13% $3,138
    Nations Lending Corporation 1 6.99% $4,038
    NBKC BANK 1 7.63% $3,043
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 7.25% $5,156
    NexBank 1 6.63% $6,810
    NFM, INC. 1 7.50% $13,172
    OAKTREE FUNDING CORP. 1 9.38% $8,364
    Citizens Bank 1 7.38% $4,224
    OREGON COMMUNITY 1 6.38% $3,357
    CHURCHILL MORTGAGE CORPORATION 1 7.38% $8,791
    PENTAGON FEDERAL CREDIT UNION 1 6.00% $10,784
    AMERICAN FINANCING CORPORATION 1 6.99% $8,734
    Prosperity Home Mortgage, LLC 1 8.00% $4,170
    CARDINAL FINANCIAL 1 7.88% $7,792
    AMERICAN FINANCIAL NETWORK, INC. 1 6.25% $6,836
    RESIDENTIAL MORTGAGE, LLC 1 6.50% $25,113
    CANOPY MORTGAGE, LLC 1 6.99% $9,505
    ROYAL UNITED MORTGAGE LLC 1 7.00% $15,586
    BAY-VALLEY MORTGAGE GROUP 1 7.00% $11,401
    SAMMAMISH MORTGAGE COMPANY 1 6.75% $3,624
    Service Federal Credit Union 1 7.38% $3,600
    BAY EQUITY LLC 1 6.63% $12,092
    Simmons Bank 1 7.50% $6,463
    Stifel Bank and Trust 1 6.00% $3,773
    SUCCESS MORTGAGE PARTNERS, INC. 1 8.63% $6,642
    Banner Bank 1 8.50% $7,510
    The Loan Store, Inc. 1 6.50% $4,809
    TWINSTAR 1 5.88% $10,074
    UBS Bank USA 1 6.88% $2,813
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.25% $3,003
    UNION HOME MORTGAGE CORP. 1 7.63% $5,017
    ARIZONA 1 8.13% $7,323
    Unitus Community Credit Union 1 7.50% $4,193
    USAA Federal Savings Bank 1 6.50% $4,346
    GUARANTEED RATE, INC. 1 6.88% $11,602
    GUIDANCE RESIDENTIAL, LLC 1 7.00% $5,521
    GSF Mortgage Corporation 1 6.13% $2,746
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 7.00% $7,077
    HomeStreet Bank 1 6.88% $5,063

    Klamath Falls Average Closing Costs & Other Stats

    Klamath Falls, OR's 89 lenders originated 1,195 loans during 2023. The total origination value was $268,915,000, with an average loan value of $225,033.

    Klamath Falls's average closing costs are $5,858.

    The top Klamath Falls lender as defined by loan originations is SUMMIT FUNDING, INC., with 48 loans originated. Their average total fees are $9,017, which is $1,095 higher than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Klamath Falls lenders (with over 10 loans originated) are ROGUE ($4,534), Flagstar Bank, FSB ($5,111), Umpqua Bank ($5,695), MASON MCDUFFIE MORTGAGE CORPORATION ($6,395) and Sierra Pacific Mortgage Company, Inc. ($7,187).

    The lowest rate Klamath Falls lenders (with over 10 loans originated) are CALIBER HOME LOANS, INC. (6.37%), QUICKEN LOANS, LLC (6.50%), Century Mortgage Company DBA Century Lending Company (6.62%), SUMMIT FUNDING, INC. (6.66%) and Sierra Pacific Mortgage Company, Inc. (6.82%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    SUMMIT FUNDING, INC. $43,195,000 $27,175,000 -37.1% 10.1%
    Merchants Bank of Indiana $20,005,000 n/a 7.4%
    QUICKEN LOANS, LLC $23,870,000 $15,135,000 -36.6% 5.6%
    ROGUE $16,660,000 $14,240,000 -14.5% 5.3%
    Century Mortgage Company DBA Century Lending Company $2,425,000 $12,370,000 410.1% 4.6%
    CALIBER HOME LOANS, INC. $33,630,000 $12,065,000 -64.1% 4.5%
    Umpqua Bank $28,815,000 $10,005,000 -65.3% 3.7%
    Flagstar Bank, FSB $22,040,000 $9,535,000 -56.7% 3.5%
    MASON MCDUFFIE MORTGAGE CORPORATION $4,875,000 $8,505,000 74.5% 3.2%
    Sierra Pacific Mortgage Company, Inc. $24,865,000 $8,060,000 -67.6% 3.0%
    NEWREZ LLC $2,565,000 $7,760,000 202.5% 2.9%
    UNITED WHOLESALE MORTGAGE, LLC $8,505,000 $6,945,000 -18.3% 2.6%
    Mortgage Research Center, LLC $10,865,000 $6,600,000 -39.3% 2.5%
    DHI MORTGAGE COMPANY, LTD. $6,000,000 n/a 2.2%
    LOANDEPOT.COM, LLC $9,990,000 $5,585,000 -44.1% 2.1%
    FIRST COMMUNITY $2,825,000 $4,015,000 42.1% 1.5%
    ACADEMY MORTGAGE CORPORATION $8,800,000 $3,480,000 -60.5% 1.3%
    GUILD MORTGAGE COMPANY $5,335,000 $3,345,000 -37.3% 1.2%
    Washington Federal Bank $7,250,000 $3,020,000 -58.3% 1.1%
    Mr. Cooper ( Nationstar Mortgage ) $4,135,000 $2,870,000 -30.6% 1.1%
    Mid Oregon Federal Credit Union $1,770,000 $2,730,000 54.2% 1.0%
    CROSSCOUNTRY MORTGAGE, LLC $1,785,000 $2,575,000 44.3% 1.0%
    GUARANTEED RATE, INC. $990,000 $2,525,000 155.1% 0.9%
    CMG MORTGAGE, INC. $1,880,000 $2,510,000 33.5% 0.9%
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY $2,420,000 $2,480,000 2.5% 0.9%
    The Federal Savings Bank $915,000 $2,395,000 161.7% 0.9%
    PENNYMAC LOAN SERVICES, LLC $5,800,000 $2,175,000 -62.5% 0.8%
    MOVEMENT MORTGAGE, LLC $545,000 $1,955,000 258.7% 0.7%
    AMERICAN PACIFIC MORTGAGE CORPORATION $790,000 $1,900,000 140.5% 0.7%
    Wells Fargo Bank $3,205,000 $1,880,000 -41.3% 0.7%
    BROKER SOLUTIONS, INC. $2,620,000 $1,730,000 -34.0% 0.6%
    U.S. Bank $8,050,000 $1,625,000 -79.8% 0.6%
    USAA Federal Savings Bank $1,420,000 $1,585,000 11.6% 0.6%
    JPMorgan Chase Bank $1,715,000 $1,555,000 -9.3% 0.6%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,625,000 $1,455,000 -10.5% 0.5%
    AMERISAVE MORTGAGE CORPORATION $6,565,000 $1,380,000 -79.0% 0.5%
    NAVY FEDERAL CREDIT UNION $1,940,000 $1,325,000 -31.7% 0.5%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $3,135,000 $1,305,000 -58.4% 0.5%
    MUTUAL OF OMAHA MORTGAGE, INC. $700,000 $1,155,000 65.0% 0.4%
    OnPoint Community Credit Union $2,705,000 $1,075,000 -60.3% 0.4%
    RANLIFE, INC. $1,075,000 n/a 0.4%
    First Interstate Bank $1,835,000 $1,025,000 -44.1% 0.4%
    BAY EQUITY LLC $410,000 $1,010,000 146.3% 0.4%
    FINANCE OF AMERICA REVERSE LLC $285,000 $935,000 228.1% 0.3%
    Paramount Residential Mortgage Group, Inc. $850,000 $865,000 1.8% 0.3%
    Nations Lending Corporation $2,580,000 $855,000 -66.9% 0.3%
    Willamette Valley Bank $1,325,000 $845,000 -36.2% 0.3%
    MANN FINANCIAL INC. $2,055,000 $830,000 -59.6% 0.3%
    LENDING 3, INC. $810,000 n/a 0.3%
    NEW DAY FINANCIAL, LLC $1,590,000 $810,000 -49.1% 0.3%
    CANOPY MORTGAGE, LLC $225,000 $795,000 253.3% 0.3%
    TRIAD FINANCIAL SERVICES, INC. $235,000 $785,000 234.0% 0.3%
    UNION HOME MORTGAGE CORP. $780,000 n/a 0.3%
    NATIONS DIRECT MORTGAGE, LLC $1,635,000 $775,000 -52.6% 0.3%
    People's Bank of Commerce $1,340,000 $755,000 -43.7% 0.3%
    MID AMERICA MORTGAGE, INC. $1,150,000 $740,000 -35.7% 0.3%
    MLD MORTGAGE INC. $165,000 $740,000 348.5% 0.3%
    PENTAGON FEDERAL CREDIT UNION $105,000 $740,000 604.8% 0.3%
    RESIDENTIAL MORTGAGE, LLC $725,000 n/a 0.3%
    FREEDOM MORTGAGE CORPORATION $6,085,000 $710,000 -88.3% 0.3%
    CALCON MUTUAL MORTGAGE LLC $705,000 n/a 0.3%
    Loan Simple, Inc. $705,000 n/a 0.3%
    GENEVA FINANCIAL, LLC $265,000 $680,000 156.6% 0.3%
    S1L, Inc. $840,000 $670,000 -20.2% 0.2%
    Banner Bank $1,010,000 $665,000 -34.2% 0.2%
    NFM, INC. $650,000 n/a 0.2%
    21ST MORTGAGE CORPORATION $2,350,000 $630,000 -73.2% 0.2%
    DOMINION FINANCIAL SERVICES, LLC $620,000 n/a 0.2%
    Figure Lending LLC $545,000 $620,000 13.8% 0.2%
    PLANET HOME LENDING, LLC $815,000 $620,000 -23.9% 0.2%
    Boeing Employees Credit Union $375,000 $605,000 61.3% 0.2%
    Discover Bank $155,000 $550,000 254.8% 0.2%
    The Loan Store, Inc. $550,000 n/a 0.2%
    CHURCHILL MORTGAGE CORPORATION $605,000 $510,000 -15.7% 0.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $1,945,000 $510,000 -73.8% 0.2%
    ISERVE RESIDENTIAL LENDING, LLC $505,000 n/a 0.2%
    1st Security Bank of Washington $135,000 $490,000 263.0% 0.2%
    AMERICAN FINANCIAL NETWORK, INC. $490,000 n/a 0.2%
    TWINSTAR $490,000 n/a 0.2%
    AMERICAN FINANCIAL RESOURCES, INC. $1,065,000 $480,000 -54.9% 0.2%
    BMO Harris Bank $480,000 n/a 0.2%
    Commerce Home Mortgage, Inc. $580,000 $440,000 -24.1% 0.2%
    TruHome Solutions, LLC $435,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $180,000 $430,000 138.9% 0.2%
    VERITAS FUNDING, LLC $430,000 n/a 0.2%
    OREGON COMMUNITY $500,000 $415,000 -17.0% 0.2%
    PLAZA HOME MORTGAGE, INC. $155,000 $415,000 167.7% 0.2%
    MORTGAGE EXPRESS, LLC $695,000 $410,000 -41.0% 0.2%
    PREMIER MORTGAGE RESOURCES, L.L.C. $1,840,000 $410,000 -77.7% 0.2%
    Citizens Bank $400,000 n/a 0.1%
    KeyBank $500,000 $395,000 -21.0% 0.1%
    OAKTREE FUNDING CORP. $215,000 $385,000 79.1% 0.1%
    SAMMAMISH MORTGAGE COMPANY $385,000 n/a 0.1%
    PACIFIC CASCADE FEDERAL CREDIT UNION $375,000 n/a 0.1%
    Carrington Mortgage Services, LLC $650,000 $355,000 -45.4% 0.1%
    MORTGAGE ACCESS CORP. $355,000 n/a 0.1%
    Third Federal Savings and Loan Association of Cleveland $125,000 $350,000 180.0% 0.1%
    LOANPAL, LLC $2,575,000 $330,000 -87.2% 0.1%
    Stifel Bank and Trust $355,000 $305,000 -14.1% 0.1%
    Unitus Community Credit Union $650,000 $305,000 -53.1% 0.1%
    PACIFIC RESIDENTIAL MORTGAGE, LLC $1,445,000 $295,000 -79.6% 0.1%
    SELCO COMMUNITY $485,000 $285,000 -41.2% 0.1%
    HighTechLending Inc $280,000 n/a 0.1%
    Ally Bank $165,000 $270,000 63.6% 0.1%
    GUIDANCE RESIDENTIAL, LLC $265,000 n/a 0.1%
    Service Federal Credit Union $265,000 n/a 0.1%
    Simmons Bank $265,000 n/a 0.1%
    SOVEREIGN LENDING GROUP INCORPORATED $255,000 n/a 0.1%
    UBS Bank USA $245,000 n/a 0.1%
    BAY-VALLEY MORTGAGE GROUP $235,000 n/a 0.1%
    Prosperity Home Mortgage, LLC $235,000 n/a 0.1%
    Coastal Community Bank $230,000 n/a 0.1%
    First Federal Bank $225,000 n/a 0.1%
    HomeStreet Bank $200,000 $225,000 12.5% 0.1%
    SUCCESS MORTGAGE PARTNERS, INC. $225,000 n/a 0.1%
    FBC MORTGAGE, LLC $215,000 n/a 0.1%
    NexBank $215,000 n/a 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $235,000 $215,000 -8.5% 0.1%
    Princeton Mortgage Corporation $205,000 n/a 0.1%
    ARC HOME LLC $315,000 $195,000 -38.1% 0.1%
    CITY FIRST MORTGAGE SERVICES, L.L.C. $195,000 n/a 0.1%
    LPMC, LLC $610,000 $195,000 -68.0% 0.1%
    MOUNTAIN AMERICA $295,000 $195,000 -33.9% 0.1%
    Barrington Bank & Trust Company, N.A. $305,000 $185,000 -39.3% 0.1%
    MOUNTAIN WEST FINANCIAL, INC. $185,000 n/a 0.1%
    CARDINAL FINANCIAL $335,000 $175,000 -47.8% 0.1%
    ARIZONA $165,000 n/a 0.1%
    SPRING EQ, LLC $880,000 $165,000 -81.3% 0.1%
    AMERICAN FINANCING CORPORATION $185,000 $155,000 -16.2% 0.1%
    FIRST TECHNOLOGY $1,035,000 $155,000 -85.0% 0.1%
    NEXERA HOLDING LLC $725,000 $155,000 -78.6% 0.1%
    DRAPER AND KRAMER MORTGAGE CORP. $145,000 n/a 0.1%
    VAN DYK MORTGAGE CORPORATION $135,000 n/a 0.1%
    TJC Mortgage, Inc. $125,000 n/a 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $295,000 $120,000 -59.3% 0.0%
    BETTER MORTGAGE CORPORATION $740,000 $115,000 -84.5% 0.0%
    Clackamas Federal Credit Union $360,000 $110,000 -69.4% 0.0%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $335,000 $105,000 -68.7% 0.0%
    AMERICAN FIRST $95,000 n/a 0.0%
    Gallic & Johnson, LLC $1,170,000 $95,000 -91.9% 0.0%
    NBKC BANK $85,000 n/a 0.0%
    Firefighters First Federal Credit Union $355,000 $75,000 -78.9% 0.0%
    GSF Mortgage Corporation $545,000 $75,000 -86.2% 0.0%
    PNC Bank $825,000 $75,000 -90.9% 0.0%
    Bank of America $485,000 $65,000 -86.6% 0.0%
    ADVANTIS $55,000 n/a 0.0%
    ALLIANT CREDIT UNION $505,000 $55,000 -89.1% 0.0%
    USAlliance Federal Credit Union $35,000 n/a 0.0%

    Klamath Falls's top lender by overall market share is SUMMIT FUNDING, INC., with 10.1% market share. In second place, with 7.4%, is Merchants Bank of Indiana, having originated $20,005,000 in loans. In third place, with 5.6%, is QUICKEN LOANS, LLC, having originated $15,135,000 in loans. In fourth place, with 5.3%, is ROGUE, having originated $14,240,000 in loans. In fifth place, with 4.6%, is Century Mortgage Company DBA Century Lending Company, having originated $12,370,000 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 $249,225 (24.3%) $308,957 (4.4%) 0.00 392
    2018-08-01 $248,000 (25.6%) $311,283 (11.9%) 0.00 413
    2018-09-01 $244,900 (19.5%) $314,936 (13.0%) 0.00 447
    2018-10-01 $239,950 (15.0%) $313,740 (9.3%) 0.00 423
    2018-11-01 $249,000 (17.2%) $318,953 (10.1%) 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 $256,350 (17.1%) $330,370 (14.2%) 0.00 284
    2019-04-01 $264,975 (11.6%) $333,016 (7.5%) 0.00 298
    2019-05-01 $266,725 (6.7%) $333,055 (4.4%) 0.00 336
    2019-06-01 $274,950 (15.0%) $339,890 (10.3%) 0.00 399
    2019-07-01 $272,450 (9.3%) $331,526 (7.3%) 0.00 451
    2019-08-01 $268,550 (8.3%) $330,612 (6.2%) 0.00 444
    2019-09-01 $266,525 (8.8%) $330,748 (5.0%) 0.00 429
    2019-10-01 $264,925 (10.4%) $330,489 (5.3%) 0.00 410
    2019-11-01 $259,000 (4.0%) $331,934 (4.1%) 0.00 339
    2019-12-01 $247,100 (0.9%) $330,515 (4.1%) 0.00 290
    2020-01-01 $238,500 (-1.6%) $328,837 (2.7%) 0.00 246
    2020-02-01 $264,900 (6.8%) $349,257 (9.3%) 0.00 233
    2020-03-01 $258,450 (0.8%) $341,752 (3.5%) 0.00 257
    2020-04-01 $259,000 (-2.3%) $323,260 (-2.9%) 0.00 278
    2020-05-01 $275,000 (3.1%) $353,881 (6.3%) 0.00 241
    2020-06-01 $294,949 (7.3%) $379,238 (11.6%) 0.00 207
    2020-07-01 $307,500 (12.9%) $386,452 (16.6%) 0.00 212
    2020-08-01 $327,000 (21.8%) $404,400 (22.3%) 0.00 192
    2020-09-01 $336,500 (26.3%) $426,508 (29.0%) 0.00 178
    2020-10-01 $329,000 (24.2%) $424,472 (28.4%) 0.00 170
    2020-11-01 $329,000 (27.0%) $433,023 (30.5%) 0.00 135
    2020-12-01 $319,925 (29.5%) $403,817 (22.2%) 0.00 117
    2021-01-01 $325,000 (36.3%) $418,525 (27.3%) 0.00 103
    2021-02-01 $329,225 (24.3%) $572,366 (63.9%) 0.00 89
    2021-03-01 $310,975 (20.3%) $600,309 (75.7%) 0.00 76
    2021-04-01 $320,000 (23.6%) $584,339 (80.8%) 0.00 92
    2021-05-01 $334,000 (21.5%) $543,542 (53.6%) 0.00 125
    2021-06-01 $330,725 (12.1%) $509,277 (34.3%) 0.00 144
    2021-07-01 $342,450 (11.4%) $517,143 (33.8%) 0.00 152
    2021-08-01 $348,875 (6.7%) $505,600 (25.0%) 0.00 170
    2021-09-01 $342,500 (1.8%) $488,927 (14.6%) 0.00 182
    2021-10-01 $349,000 (6.1%) $492,821 (16.1%) 0.00 182
    2021-11-01 $340,750 (3.6%) $520,694 (20.3%) 0.00 148
    2021-12-01 $359,000 (12.2%) $547,971 (35.7%) 0.00 131
    2022-01-01 $353,700 (8.8%) $567,439 (35.6%) 0.00 108
    2022-02-01 $378,250 (14.9%) $661,569 (15.6%) 0.00 103
    2022-03-01 $380,750 (22.4%) $622,098 (3.6%) 0.00 119
    2022-04-01 $382,450 (19.5%) $619,621 (6.0%) 0.00 141
    2022-05-01 $375,000 (12.3%) $571,826 (5.2%) 0.00 176
    2022-06-01 $362,500 (9.6%) $549,911 (8.0%) 0.00 207
    2022-07-01 $373,000 (8.9%) $575,527 (11.3%) 0.00 214
    2022-08-01 $359,950 (3.2%) $556,749 (10.1%) 0.00 211
    2022-09-01 $370,000 (8.0%) $567,288 (16.0%) 0.00 193
    2022-10-01 $375,000 (7.5%) $556,198 (12.9%) 0.00 204
    2022-11-01 $372,450 (9.3%) $547,460 (5.1%) 0.00 210
    2022-12-01 $352,500 (-1.8%) $471,009 (-14.0%) 0.00 210
    2023-01-01 $355,000 (0.4%) $474,581 (-16.4%) 0.00 200
    2023-02-01 $355,125 (-6.1%) $468,465 (-29.2%) 0.00 199
    2023-03-01 $371,000 (-2.6%) $507,719 (-18.4%) 0.00 185
    2023-04-01 $375,000 (-2.0%) $514,018 (-17.0%) 0.00 196
    2023-05-01 $382,749 (2.1%) $529,569 (-7.4%) 0.00 208
    2023-06-01 $386,999 (6.8%) $524,093 (-4.7%) 0.00 223
    2023-07-01 $385,000 (3.2%) $515,254 (-10.5%) 0.00 267
    2023-08-01 $384,998 (7.0%) $517,124 (-7.1%) 0.00 267
    2023-09-01 $394,500 (6.6%) $528,146 (-6.9%) 0.00 272
    2023-10-01 $373,623 (-0.4%) $534,157 (-4.0%) 0.00 266
    2023-11-01 $364,950 (-2.0%) $538,707 (-1.6%) 0.00 235
    2023-12-01 $370,000 (5.0%) $557,033 (18.3%) 0.00 218
    2024-01-01 $387,998 (9.3%) $545,597 (15.0%) 0.00 186
    2024-02-01 $385,975 (8.7%) $541,325 (15.6%) 0.00 185
    2024-03-01 $389,000 (4.9%) $569,976 (12.3%) 0.00 203
    2024-04-01 $386,725 (3.1%) $564,661 (9.9%) 0.00 236
    2024-05-01 $399,250 (4.3%) $574,064 (8.4%) 0.00 253
    2024-06-01 $400,000 (3.4%) $566,722 (8.1%) 0.00 280
    2024-07-01 $404,850 (5.2%) $550,088 (6.8%) 0.00 315
    2024-08-01 $399,000 (3.6%) $537,798 (4.0%) 0.00 344
    2024-09-01 $400,000 (1.4%) $528,346 (0.0%) 0.00 378
    2024-10-01 $400,000 (7.1%) $525,227 (-1.7%) 0.00 382
    Klamath Falls's median listing price for 2024-10-01 was $400,000, a difference of $26,377 (7.1%) versus the prior year and $0 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 2024-10-01 was $525,227, a difference of $-8,930 (-1.7%) versus the prior year and $-3,119 versus the prior month.

    For the 2024-10-01 period, Klamath Falls had 382 MLS listings, a difference of 4 listings (1%) versus the prior month and 116 listings (44%) 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 1,839 sqft
    2019-04-01 0 days 1,874 sqft
    2019-05-01 0 days 1,850 sqft
    2019-06-01 0 days 1,888 sqft
    2019-07-01 0 days 1,873 sqft
    2019-08-01 0 days 1,870 sqft
    2019-09-01 0 days 1,864 sqft
    2019-10-01 0 days 1,870 sqft
    2019-11-01 0 days 1,879 sqft
    2019-12-01 0 days 1,844 sqft
    2020-01-01 0 days 1,788 sqft
    2020-02-01 0 days 1,824 sqft
    2020-03-01 0 days 1,788 sqft
    2020-04-01 0 days 1,779 sqft
    2020-05-01 0 days 1,865 sqft
    2020-06-01 0 days 1,917 sqft
    2020-07-01 0 days 1,920 sqft
    2020-08-01 0 days 2,050 sqft
    2020-09-01 0 days 2,087 sqft
    2020-10-01 0 days 1,972 sqft
    2020-11-01 0 days 1,938 sqft
    2020-12-01 0 days 1,788 sqft
    2021-01-01 0 days 1,805 sqft
    2021-02-01 0 days 1,905 sqft
    2021-03-01 0 days 1,933 sqft
    2021-04-01 0 days 2,019 sqft
    2021-05-01 0 days 1,864 sqft
    2021-06-01 0 days 1,770 sqft
    2021-07-01 0 days 1,787 sqft
    2021-08-01 0 days 1,720 sqft
    2021-09-01 0 days 1,589 sqft
    2021-10-01 0 days 1,603 sqft
    2021-11-01 0 days 1,589 sqft
    2021-12-01 0 days 1,615 sqft
    2022-01-01 0 days 1,632 sqft
    2022-02-01 0 days 1,764 sqft
    2022-03-01 0 days 1,891 sqft
    2022-04-01 0 days 1,904 sqft
    2022-05-01 0 days 1,858 sqft
    2022-06-01 0 days 1,875 sqft
    2022-07-01 0 days 1,798 sqft
    2022-08-01 0 days 1,712 sqft
    2022-09-01 0 days 1,745 sqft
    2022-10-01 0 days 1,733 sqft
    2022-11-01 0 days 1,749 sqft
    2022-12-01 0 days 1,748 sqft
    2023-01-01 0 days 1,696 sqft
    2023-02-01 0 days 1,685 sqft
    2023-03-01 0 days 1,658 sqft
    2023-04-01 0 days 1,706 sqft
    2023-05-01 0 days 1,726 sqft
    2023-06-01 0 days 1,761 sqft
    2023-07-01 0 days 1,680 sqft
    2023-08-01 0 days 1,760 sqft
    2023-09-01 0 days 1,800 sqft
    2023-10-01 0 days 1,694 sqft
    2023-11-01 0 days 1,655 sqft
    2023-12-01 0 days 1,704 sqft
    2024-01-01 0 days 1,790 sqft
    2024-02-01 0 days 1,733 sqft
    2024-03-01 0 days 1,702 sqft
    2024-04-01 0 days 1,695 sqft
    2024-05-01 0 days 1,707 sqft
    2024-06-01 0 days 1,731 sqft
    2024-07-01 0 days 1,723 sqft
    2024-08-01 0 days 1,733 sqft
    2024-09-01 0 days 1,780 sqft
    2024-10-01 0 days 1,769 sqft
    Klamath Falls's median listing age (time on market) for 2024-10-01 was 0 days.

    Klamath Falls's median square footage for active listings during the 2024-10-01 period was 1,769 sqft. One year prior, the average listing was 1,694 sqft.

    Klamath Falls, OR Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 674 $198,380,000 $294,332
    Cash Out Refi 205 $39,725,000 $193,780
    Other 131 $11,125,000 $84,924
    Home Improvement 110 $7,990,000 $72,636
    Refi 75 $11,695,000 $155,933

    Klamath Falls's most frequently cited loan purpose was Home Purchase, with 674 originations. The 2nd most popular reason was Cash Out Refi, with 205 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 419 $101,965,000 $243,353
    Over 8% 281 $44,825,000 $159,520
    7-8% 268 $62,730,000 $234,067
    5-6% 200 $54,110,000 $270,550
    4-5% 12 $3,100,000 $258,333
    <2.5% 4 $190,000 $47,500
    3-4% 1 $265,000 $265,000

    During 2023, Klamath Falls's most frequently originated rate bucket was 6-7%, with 419 originations.

    Loan Sizing (Klamath Falls, OR MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 487 $137,465,000 $282,269
    $100k-200k 325 $49,495,000 $152,292
    $100,000 or less 287 $15,475,000 $53,920
    $400k-600k 84 $38,960,000 $463,810
    $600k-1000k 11 $7,515,000 $683,182
    $Over $1MM 1 $20,005,000 $20,005,000

    Klamath Falls's loan sizing saw the bucket of loans from $200k-400k with 487 originations, totaling $137,465,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 472 $154,990,000 $328,369
    60-80% 245 $58,275,000 $237,857
    Under 20% 184 $8,950,000 $48,641
    20-40% 141 $14,755,000 $104,645
    40-60% 118 $21,670,000 $183,644
    Over 100% 21 $7,795,000 $371,190

    Klamath Falls's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 472 originations, totaling $154,990,000 in origination value.