Klamath Falls Mortgage Rates
30 Year Fixed Rate mortgages in Klamath Falls averaged
5.89%
for the week of 2022-06-30, compared to the national average of
5.7% for the same period.
The average rate for the prior week (2022-06-23) was
6.1% and
one month ago for the week of 2022-05-26, the
average rate was 5.39%.
Klamath Falls's average rate one year ago was 3.39%.
For refis of the same type during the week of 2022-06-30, the average rate
was 5.69%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-30 | 5.7% |
| Klamath Falls 30 Year Fixed Rate | 2022-06-30 | 5.89% |
| Klamath Falls 30 Year Fixed Rate Refi | 2022-06-30 | 5.69% |
| Klamath Falls 15 Year Fixed Rate | 2022-06-30 | 5.16% |
| Klamath Falls 15 Year Fixed Rate Refi | 2022-06-30 | 5.27% |
| Klamath Falls 30 Year FHA | 2022-06-30 | 5.87% |
| Klamath Falls 30 Year FHA Refi | 2022-06-30 | 5.86% |
| Klamath Falls 30 Year USDA | 2022-06-30 | 5.66% |
| Klamath Falls 30 Year USDA Refi | 2022-06-30 | 5.56% |
| Klamath Falls 30 Year VA | 2022-06-30 | 5.59% |
| Klamath Falls 30 Year VA Refi | 2022-06-30 | 5.29% |
Klamath Falls Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lendor, 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.).
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.
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 Lender 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 third place, with 6.4%, is Sierra Pacific Mortgage Company, Inc., having originated $45,575,000 in loans. In third place, with 5.7%, is Flagstar Bank, FSB, having originated $40,395,000 in loans.
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.
Market Conditions (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 | $215,000 (18.8%) | $291,717 (9.3%) | 0.00 | 306 |
| 2018-02-01 | $222,400 (21.9%) | $289,260 (4.3%) | 0.00 | 307 |
| 2018-03-01 | $225,000 (18.4%) | $301,455 (2.2%) | 0.00 | 312 |
| 2018-04-01 | $244,700 (22.4%) | $326,281 (7.3%) | 0.00 | 318 |
| 2018-05-01 | $249,950 (16.3%) | $329,871 (6.8%) | 0.00 | 354 |
| 2018-06-01 | $239,500 (14.2%) | $319,605 (4.7%) | 0.00 | 392 |
| 2018-07-01 | $249,450 (19.4%) | $315,634 (4.1%) | 0.00 | 411 |
| 2018-08-01 | $246,900 (23.5%) | $317,662 (11.6%) | 0.00 | 431 |
| 2018-09-01 | $239,500 (14.6%) | $317,077 (10.2%) | 0.00 | 465 |
| 2018-10-01 | $238,500 (12.2%) | $316,725 (7.5%) | 0.00 | 443 |
| 2018-11-01 | $254,000 (18.2%) | $326,325 (10.3%) | 0.00 | 424 |
| 2018-12-01 | $250,000 (16.3%) | $332,869 (13.1%) | 0.00 | 382 |
| 2019-01-01 | $246,950 (14.9%) | $336,407 (15.3%) | 0.00 | 336 |
| 2019-02-01 | $249,450 (12.2%) | $336,221 (16.2%) | 0.00 | 300 |
| 2019-03-01 | $260,571 (15.8%) | $344,106 (14.2%) | 0.00 | 293 |
| 2019-04-01 | $266,500 (8.9%) | $340,806 (4.5%) | 0.00 | 310 |
| 2019-05-01 | $269,000 (7.6%) | $340,968 (3.4%) | 0.00 | 339 |
| 2019-06-01 | $279,900 (16.9%) | $349,052 (9.2%) | 0.00 | 404 |
| 2019-07-01 | $277,450 (11.2%) | $338,002 (7.1%) | 0.00 | 458 |
| 2019-08-01 | $272,429 (10.3%) | $335,414 (5.6%) | 0.00 | 457 |
| 2019-09-01 | $269,000 (12.3%) | $330,661 (4.3%) | 0.00 | 449 |
| 2019-10-01 | $259,950 (9.0%) | $322,755 (1.9%) | 0.00 | 410 |
| 2019-11-01 | $255,000 (0.4%) | $334,467 (2.5%) | 0.00 | 341 |
| 2019-12-01 | $241,200 (-3.5%) | $333,818 (0.3%) | 0.00 | 293 |
| 2020-01-01 | $237,500 (-3.8%) | $334,457 (-0.6%) | 0.00 | 246 |
| 2020-02-01 | $255,000 (2.2%) | $359,143 (6.8%) | 0.00 | 234 |
| 2020-03-01 | $256,500 (-1.6%) | $350,964 (2.0%) | 0.00 | 260 |
| 2020-04-01 | $254,900 (-4.4%) | $336,805 (-1.2%) | 0.00 | 283 |
| 2020-05-01 | $275,000 (2.2%) | $358,237 (5.1%) | 0.00 | 249 |
| 2020-06-01 | $294,000 (5.0%) | $401,179 (14.9%) | 0.00 | 220 |
| 2020-07-01 | $310,000 (11.7%) | $404,995 (19.8%) | 0.00 | 224 |
| 2020-08-01 | $329,000 (20.8%) | $424,640 (26.6%) | 0.00 | 202 |
| 2020-09-01 | $339,000 (26.0%) | $444,742 (34.5%) | 0.00 | 183 |
| 2020-10-01 | $329,000 (26.6%) | $442,646 (37.2%) | 0.00 | 179 |
| 2020-11-01 | $333,999 (31.0%) | $468,461 (40.1%) | 0.00 | 140 |
| 2020-12-01 | $322,500 (33.7%) | $433,094 (29.7%) | 0.00 | 121 |
| 2021-01-01 | $333,999 (40.6%) | $447,001 (33.7%) | 0.00 | 110 |
| 2021-02-01 | $339,000 (32.9%) | $882,824 (145.8%) | 0.00 | 92 |
| 2021-03-01 | $339,750 (32.5%) | $948,777 (170.3%) | 0.00 | 81 |
| 2021-04-01 | $359,000 (40.8%) | $888,348 (163.8%) | 0.00 | 96 |
| 2021-05-01 | $355,000 (29.1%) | $760,879 (112.4%) | 0.00 | 129 |
| 2021-06-01 | $345,000 (17.4%) | $711,803 (77.4%) | 0.00 | 143 |
| 2021-07-01 | $339,900 (9.7%) | $691,332 (70.7%) | 0.00 | 154 |
| 2021-08-01 | $350,000 (6.4%) | $657,687 (54.9%) | 0.00 | 171 |
| 2021-09-01 | $342,500 (1.0%) | $620,491 (39.5%) | 0.00 | 184 |
| 2021-10-01 | $349,000 (6.1%) | $632,234 (42.8%) | 0.00 | 178 |
| 2021-11-01 | $347,000 (3.9%) | $680,294 (45.2%) | 0.00 | 148 |
| 2021-12-01 | $360,750 (11.9%) | $727,803 (68.1%) | 0.00 | 132 |
| 2022-01-01 | $359,900 (7.8%) | $790,569 (76.9%) | 0.00 | 114 |
| 2022-02-01 | $379,500 (12.0%) | $821,087 (-7.0%) | 0.00 | 105 |
| 2022-03-01 | $384,500 (13.2%) | $824,429 (-13.1%) | 0.00 | 119 |
| 2022-04-01 | $391,000 (8.9%) | $797,340 (-10.2%) | 0.00 | 146 |
| 2022-05-01 | $372,500 (4.9%) | $647,193 (-14.9%) | 0.00 | 178 |
| 2022-06-01 | $362,500 (5.1%) | $661,963 (-7.0%) | 0.00 | 210 |
Klamath Falls's median listing price comes in at 0% of the national average.
Klamath Falls's average listing price for 2022-06-01 was $661,963, a difference of $-49,840 (-7.0%) versus the prior year and $14,770 versus the prior month.
For the 2022-06-01 period, Klamath Falls had 210 MLS listings, a difference of 32 listings (18%) versus the prior month and 67 listings (47%) 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 | 1,655 sqft |
| 2018-02-01 | 0 days | 1,674 sqft |
| 2018-03-01 | 0 days | 1,736 sqft |
| 2018-04-01 | 0 days | 1,813 sqft |
| 2018-05-01 | 0 days | 1,819 sqft |
| 2018-06-01 | 0 days | 1,782 sqft |
| 2018-07-01 | 0 days | 1,782 sqft |
| 2018-08-01 | 0 days | 1,776 sqft |
| 2018-09-01 | 0 days | 1,768 sqft |
| 2018-10-01 | 0 days | 1,755 sqft |
| 2018-11-01 | 0 days | 1,784 sqft |
| 2018-12-01 | 0 days | 1,782 sqft |
| 2019-01-01 | 0 days | 1,794 sqft |
| 2019-02-01 | 0 days | 1,792 sqft |
| 2019-03-01 | 0 days | 1,824 sqft |
| 2019-04-01 | 0 days | 1,852 sqft |
| 2019-05-01 | 0 days | 1,832 sqft |
| 2019-06-01 | 0 days | 1,886 sqft |
| 2019-07-01 | 0 days | 1,855 sqft |
| 2019-08-01 | 0 days | 1,852 sqft |
| 2019-09-01 | 0 days | 1,851 sqft |
| 2019-10-01 | 0 days | 1,858 sqft |
| 2019-11-01 | 0 days | 1,860 sqft |
| 2019-12-01 | 0 days | 1,840 sqft |
| 2020-01-01 | 0 days | 1,749 sqft |
| 2020-02-01 | 0 days | 1,820 sqft |
| 2020-03-01 | 0 days | 1,780 sqft |
| 2020-04-01 | 0 days | 1,764 sqft |
| 2020-05-01 | 0 days | 1,868 sqft |
| 2020-06-01 | 0 days | 1,946 sqft |
| 2020-07-01 | 0 days | 1,933 sqft |
| 2020-08-01 | 0 days | 2,052 sqft |
| 2020-09-01 | 0 days | 2,093 sqft |
| 2020-10-01 | 0 days | 1,957 sqft |
| 2020-11-01 | 0 days | 1,905 sqft |
| 2020-12-01 | 0 days | 1,793 sqft |
| 2021-01-01 | 0 days | 1,800 sqft |
| 2021-02-01 | 0 days | 1,891 sqft |
| 2021-03-01 | 0 days | 1,926 sqft |
| 2021-04-01 | 0 days | 2,006 sqft |
| 2021-05-01 | 0 days | 1,900 sqft |
| 2021-06-01 | 0 days | 1,791 sqft |
| 2021-07-01 | 0 days | 1,830 sqft |
| 2021-08-01 | 0 days | 1,733 sqft |
| 2021-09-01 | 0 days | 1,574 sqft |
| 2021-10-01 | 0 days | 1,584 sqft |
| 2021-11-01 | 0 days | 1,555 sqft |
| 2021-12-01 | 0 days | 1,601 sqft |
| 2022-01-01 | 0 days | 1,632 sqft |
| 2022-02-01 | 0 days | 1,826 sqft |
| 2022-03-01 | 0 days | 1,943 sqft |
| 2022-04-01 | 0 days | 1,960 sqft |
| 2022-05-01 | 0 days | 1,917 sqft |
| 2022-06-01 | 0 days | 1,871 sqft |
Klamath Falls's median square footage for active listings during the 2022-06-01 period was 1,871 sqft. One year prior, the average listing was 1,791 sqft.
