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 5.94% for the week of 2024-10-03, compared to the national average of 6.12% for the same period.

The average rate for the prior week (2024-09-26) was 6.1% and one month ago for the week of 2024-08-29, the average rate was 6.37%.

Klamath Falls's average rate one year ago was 7.13%.

For refis of the same type during the week of 2024-10-03, the average rate was 6.12%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-03 6.12%
Klamath Falls 30 Year Fixed Rate 2024-10-03 5.94%
Klamath Falls 30 Year Fixed Rate Refi 2024-10-03 6.12%
Klamath Falls 15 Year Fixed Rate 2024-10-03 5.35%
Klamath Falls 15 Year Fixed Rate Refi 2024-10-03 5.35%
Klamath Falls 30 Year FHA 2024-10-03 5.35%
Klamath Falls 30 Year FHA Refi 2024-10-03 5.69%
Klamath Falls 30 Year USDA 2024-10-03 5.87%
Klamath Falls 30 Year USDA Refi 2024-10-03 5.87%
Klamath Falls 30 Year VA 2024-10-03 5.67%
Klamath Falls 30 Year VA Refi 2024-10-03 5.4%
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
Klamath Falls's median listing price for 2024-09-01 was $400,000, a difference of $5,500 (1.4%) versus the prior year and $1,000 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 2024-09-01 was $528,346, a difference of $200 (0.0%) versus the prior year and $-9,452 versus the prior month.

For the 2024-09-01 period, Klamath Falls had 378 MLS listings, a difference of 34 listings (10%) versus the prior month and 106 listings (39%) 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
Klamath Falls's median listing age (time on market) for 2024-09-01 was 0 days.

Klamath Falls's median square footage for active listings during the 2024-09-01 period was 1,780 sqft. One year prior, the average listing was 1,800 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.