MEDFORD Mortgage Rates

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

30 Year Fixed Rate mortgages in Medford averaged 3.12% for the week of 2021-11-24, compared to the national average of 3.1% for the same period.

The average rate for the prior week (2021-11-18) was 3.52% and one month ago for the week of 2021-10-21, the average rate was 3.41%.

Medford's average rate one year ago was 2.94%.

For refis of the same type during the week of 2021-11-24, the average rate was 3.4%.

Loan Type Date Rate
US 30 Year Fixed Rate 2021-11-24 3.1%
Medford 30 Year Fixed Rate 2021-11-24 3.12%
Medford 30 Year Fixed Rate Refi 2021-11-24 3.4%
Medford 15 Year Fixed Rate 2021-11-24 3.8%
Medford 15 Year Fixed Rate Refi 2021-11-24 2.42%
Medford 30 Year FHA 2021-11-24 3.53%
Medford 30 Year FHA Refi 2021-11-24 3.62%
Medford 30 Year USDA 2021-11-24 3.15%
Medford 30 Year USDA Refi 2021-11-24 3.38%
Medford 30 Year VA 2021-11-24 3.21%
Medford 30 Year VA Refi 2021-11-24 3.06%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within MEDFORD, OR.

MEDFORD 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 MEDFORD, 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 2020 Avg. 30yFix Rate 2020 Avg. Total Fees
ROGUE 619 3.42% $3,530
GUILD MORTGAGE COMPANY 616 3.37% $5,021
CALIBER HOME LOANS, INC. 553 3.21% $4,529
QUICKEN LOANS, LLC 482 3.20% $5,536
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 308 3.37% $6,064
Willamette Valley Bank 283 3.31% $4,592
Umpqua Bank 267 3.36% $4,293
UNITED WHOLESALE MORTGAGE, LLC 253 3.08% $5,399
MOVEMENT MORTGAGE, LLC 215 3.30% $4,531
LOANDEPOT.COM, LLC 182 3.17% $5,149
PACIFIC RESIDENTIAL MORTGAGE, LLC 167 3.35% $6,560
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 165 3.44% $6,560
MORTGAGE EXPRESS, LLC 154 3.20% $4,142
MUTUAL OF OMAHA MORTGAGE, INC. 139 3.20% $4,367
Wells Fargo Bank, National Association 105 3.32% $4,261
U.S. Bank National Association 103 3.32% $4,425
JPMorgan Chase Bank, National Association 83 3.46% $4,792
CROSSCOUNTRY MORTGAGE, LLC 76 3.02% $6,660
CMG MORTGAGE, INC. 73 3.38% $6,539
KeyBank National Association 71 3.53% $3,529
NORTHWEST COMMUNITY 58 3.06% $6,699
PENNYMAC LOAN SERVICES, LLC 53 3.24% $6,286
Banner Bank 51 3.55% $4,792
AMERISAVE MORTGAGE CORPORATION 48 2.85% $5,191
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 43 3.25% $5,078
CHERRY CREEK MORTGAGE, LLC 42 3.24% $6,228
Sierra Pacific Mortgage Company, Inc. 39 3.30% $5,640
NATIONSTAR MORTGAGE LLC 38 3.55% $5,813
Flagstar Bank, FSB 38 3.32% $4,214
SUMMIT FUNDING, INC. 34 3.21% $6,561
FINANCE OF AMERICA MORTGAGE LLC 32 3.20% $5,197
FIRST COMMUNITY 32 3.51% $3,440
BETTER MORTGAGE CORPORATION 28 2.99% $4,528
STEARNS LENDING, LLC 28 3.41% $5,354
NEWREZ LLC 26 3.43% $4,336
ARK-LA-TEX FINANCIAL SERVICES, LLC. 26 3.58% $3,769
FirstBank 22 3.29% $2,859
PROVIDENT FUNDING ASSOCIATES, L.P. 21 2.96% $3,813
BROKER SOLUTIONS, INC. 21 3.23% $4,569
First Interstate Bank 21 3.42% $4,303
HOMEBRIDGE FINANCIAL SERVICES, INC. 21 3.26% $4,188
OnPoint Community Credit Union 18 3.37% $4,346
AMERICAN PACIFIC MORTGAGE CORPORATION 18 3.21% $4,375
NBKC BANK 18 3.24% $3,092
Washington Federal Bank, National Association 18 3.49% $7,218
KELLER MORTGAGE, LLC 16 3.17% $2,785
North American Savings Bank, F.S.B. 15 3.06% $4,291
USAA Federal Savings Bank 14 3.49% $5,809
Bank of America, National Association 14 3.23% $5,189
NAVY FEDERAL CREDIT UNION 14 3.65% $5,168
FREEDOM MORTGAGE CORPORATION 13 3.26% $3,008
AMERICAN FINANCIAL NETWORK, INC. 11 3.07% $4,395
Bank of England 11 3.26% $5,380
Strong Home Mortgage, LLC 11 3.20% $2,812
Nations Lending Corporation 10 3.39% $7,836
InterContinental Capital Group, Inc 9 3.04% $5,411
HOME POINT FINANCIAL CORPORATION 9 3.11% $6,705
AMERICAN FINANCING CORPORATION 9 3.28% $5,414
BEST CAPITAL FUNDING 9 2.93% $4,168
Commerce Home Mortgage, Inc. 9 3.22% $4,743
NEXERA HOLDING LLC 9 3.07% $3,611
MOUNTAIN WEST FINANCIAL, INC. 9 3.43% $5,444
Washington Trust Bank 8 3.41% $4,360
PRIMELENDING, A PLAINSCAPITAL COMPANY 8 3.01% $4,377
AMERICAN FINANCIAL RESOURCES, INC. 8 3.56% $5,074
SOVEREIGN LENDING GROUP INCORPORATED 7 3.98% $5,114
Columbia State Bank 7 4.05% $5,604
Ally Bank 7 2.98% $6,864
AMERICAN INTERNET MORTGAGE, INC. 7 3.43% $3,555
Stifel Bank and Trust 7 2.98% $3,075
CHURCHILL MORTGAGE CORPORATION 7 3.30% $5,207
ACADEMY MORTGAGE CORPORATION 7 3.45% $5,140
OREGON COMMUNITY 6 3.52% $4,132
MUFG Union Bank, National Association 6 3.29% $4,142
DIRECTORS MORTGAGE, INC. 6 3.17% $6,449
CANOPY MORTGAGE, LLC 5 3.25% $4,777
IMPAC MORTGAGE CORP. 5 3.35% $1,185
Charles Schwab Bank, SSB 5 2.92% $3,283
LPMC, LLC 5 3.65% $4,131
PNC Bank, National Association 5 3.45% $3,988
LADERA LENDING, INC. 5 3.18% $4,005
The Federal Savings Bank 5 3.25% $7,778
Arvest Bank 5 3.48% $5,715
PHH Mortgage Corporation 5 3.63% $6,673
Northwest Farm Credit Services, FLCA 5 3.45% $9,760
OPEN MORTGAGE, LLC 5 3.68% $9,056
Paramount Residential Mortgage Group, Inc. 5 3.35% $4,318
PREMIER MORTGAGE RESOURCES, L.L.C. 4 3.38% $4,754
ARC HOME LLC 4 3.47% $6,596
CELEBRITY HOME LOANS, LLC 4 3.38% $4,023
Citizens Bank, National Association 4 3.56% $4,234
GSF Mortgage Corporation 4 2.91% $13,532
GUARANTEED RATE AFFINITY, LLC 4 3.06% $2,826
LENDUS, LLC 4 3.56% $4,803
LOANPAL, LLC 4 3.15% $5,498
Morgan Stanley Private Bank, National Association 4 3.35% $3,756
SOFI LENDING CORP. 4 3.25% $5,780
TIAA, FSB 4 3.47% $5,837
Wyndham Capital Mortgage, Inc. 4 3.31% $3,515
ZILLOW HOME LOANS, LLC 4 3.28% $3,234
First Internet Bank of Indiana 3 3.42% $3,976
PLANET HOME LENDING, LLC 3 3.25% $4,869
Northpointe Bank 3 3.58% $14,883
ONY GLO, INC. 3 3.04% $4,101
ANGEL OAK MORTGAGE SOLUTIONS LLC 3 4.46% $3,690
Bank of the West 3 3.92% $5,525
PLAZA HOME MORTGAGE, INC. 3 3.21% $7,504
First Guaranty Mortgage Corporation 3 3.13% $3,723
EMM LOANS LLC 3 3.58% $9,880
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 3.21% $5,740
SUMMIT MORTGAGE CORPORATION 3 3.13% $4,580
S1L, Inc. 3 3.08% $3,801
JMAC LENDING, INC. 3 3.27% $3,172
SELCO COMMUNITY 3 3.46% $3,791
GUARANTEED RATE, INC. 3 3.13% $7,490
MANN FINANCIAL INC. 3 3.50% $6,243
FIRST TECHNOLOGY 3 2.88% $5,767
First Savings Bank 2 2.88% $10,886
Boeing Employees Credit Union 2 3.56% $3,997
ROUNDPOINT MORTGAGE SERVICING CORPORATION 2 3.50% $1,987
CLOSING MARK HOME LOANS 2 3.81% $6,193
Manufacturers and Traders Trust Company 2 3.69% $5,905
Hometown Lenders, Inc. 2 2.81% $6,660
LENDERFI, INC. 2 3.06% $1,843
Citibank, National Association 2 2.88% $4,839
LENDSURE MORTGAGE CORP. 2 6.13% $10,453
First Western Trust Bank 2 3.06% $3,527
Citadel Servicing Corporation 2 5.63% $10,803
LENOX FINANCIAL MORTGAGE CORPORATION 2 3.19% $3,604
SUN WEST MORTGAGE COMPANY, INC. 2 3.06% $2,365
Axos Bank 2 3.00% $2,533
NOVA FINANCIAL & INVESTMENT CORPORATION 2 3.25% $3,546
Third Federal Savings and Loan Association of Cleveland 2 2.84% $1,873
THRIVENT Federal Credit Union 2 3.13% $4,435
First Mortgage Solutions, LLC 2 2.75% $3,418
AXIA FINANCIAL, LLC 2 3.25% $7,940
Prosperity Home Mortgage, LLC 2 2.94% $5,712
Great Southern Bank 2 3.43% $4,134
Ameris Bank 2 2.94% $4,136
PENRITH HOME LOANS LLC 1 3.38% $3,169
PENTAGON FEDERAL CREDIT UNION 1 3.38% $2,161
Plains Commerce Bank 1 3.38% $9,212
Platinum Home Mortgage Corporation 1 2.99% $4,660
CIBC Bank USA 1 2.88% $6,104
PREMIA MORTGAGE, LLC 1 3.25% $1,562
CHEVRON 1 3.25% $4,324
Prime Choice Funding Inc. 1 2.88% $7,594
Cf Bank, National Association 1 3.37% $2,091
Carrington Mortgage Services, LLC 1 7.25% $10,006
Qualstar Credit Union 1 3.38% $2,617
Capital Bank, National Association 1 2.88% $3,114
Rivermark Community Credit Union 1 2.75% $3,307
ROYAL UNITED MORTGAGE LLC 1 3.13% $8,134
SANDIA AREA 1 2.63% $6,525
BNY Mellon, National Association 1 2.75% $3,070
SIRVA MORTGAGE, INC. 1 2.88% $1,058
ADVANTIS 1 3.13% $2,744
Southern Bank 1 2.50% $2,828
BNC National Bank 1 2.63% $2,560
SPOKANE TEACHERS 1 2.88% $7,149
SPRING EQ, LLC 1 2.75% $5,324
STANFORD Federal Credit Union 1 3.13% $4,547
BAY EQUITY LLC 1 3.99% $4,274
Barrington Bank & Trust Company, N.A. 1 3.38% $4,539
Bank of the Pacific 1 2.63% $2,959
Summit Mortgage Corporation 1 3.50% $6,765
Sunflower Bank, National Association 1 3.25% $4,285
The Huntington National Bank 1 3.13% $3,784
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION 1 2.75% $2,817
Truist Bank 1 2.88% $4,988
UNITED MORTGAGE CORP. 1 3.00% $5,144
Austin Capital Bank SSB 1 3.25% $4,348
Unitus Community Credit Union 1 2.88% $5,566
UNIVERSITY CREDIT UNION 1 3.00% $3,457
AMCAP MORTGAGE, LTD. 1 3.00% $5,579
Altabank 1 2.88% $3,971
Watermark Capital, Inc. 1 3.25% $3,437
Waterstone Mortgage Corporation 1 3.63% $7,215
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 2.88% $3,486
HighTechLending Inc 1 2.75% $3,710
Heritage Bank 1 3.63% $2,750
HOME MORTGAGE ALLIANCE, LLC 1 3.38% $4,237
HOMESIDE FINANCIAL, LLC 1 3.88% $7,314
HOMESTEAD FUNDING CORP. 1 3.50% $4,097
Independent Bank 1 3.00% $5,996
INLAND BANK & TRUST 1 4.75% $3,650
INTELLILOAN, INC. 1 2.88% $4,290
INTERCAP LENDING INC. 1 3.38% $3,771
Golden Empire Mortgage, Inc. 1 3.50% $6,623
Gateway First Bank 1 3.13% $9,923
Franklin Loan Corporation 1 2.63% $4,798
FLAT BRANCH MORTGAGE, INC. 1 2.88% $1,706
KINECTA 1 2.75% $3,233
LAKEVIEW LOAN SERVICING, LLC 1 2.88% $8,952
LAND HOME FINANCIAL SERVICES, INC. 1 3.13% $4,241
Advisors Mortgage Group, L.L.C. 1 2.88% $3,749
WESCOM CENTRAL CREDIT UNION 1 3.75% $3,093
Magnolia Bank 1 3.63% $3,515
MEGA CAPITAL FUNDING, INC. 1 2.75% $3,064
WESTERN EXPRESS LENDING 1 2.75% $5,946
First Republic Bank 1 2.75% $17,994
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 4.25% $13,394
First National Bank of America 1 7.00% $6,500
First Home Bank 1 2.88% $4,802
NATIONS DIRECT MORTGAGE, LLC 1 3.50% $3,141
First Federal Bank of Kansas City 1 2.88% $3,698
First Federal Bank 1 2.88% $9,618
First American Bank 1 2.75% $2,020
NETWORK CAPITAL FUNDING CORPORATION 1 3.38% $8,860
Evolve Bank & Trust 1 2.88% $4,150
EVERETT FINANCIAL, INC. 1 3.38% $2,764
EMBRACE HOME LOANS, INC. 1 3.38% $3,178
DIRECT MORTGAGE, CORP. 1 2.88% $8,767
OAKTREE FUNDING CORP. 1 3.25% $20,234
OCEANSIDE MORTGAGE COMPANY 1 3.13% $2,248
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 2.63% $3,706
DATA MORTGAGE, INC. 1 2.50% $10,948
CORNERSTONE HOME LENDING, INC. 1 2.63% $6,007
PANORAMA MORTGAGE GROUP, LLC 1 3.13% $4,030
Paramount Bank 1 2.88% $0
City National Bank 1 2.77% $3,961
PARKSIDE LENDING, LLC 1 3.13% $7,126

MEDFORD, OR's 222 lenders originated 12,023 loans during 2020. The total origination value was $3,304,515,000, with an average loan value of $274,849.

The top MEDFORD lender as defined by loan originations is ROGUE, with 619 loans originated. Their average total fees are $3,530, which is $1,491 lower than the next largest lender, GUILD MORTGAGE COMPANY.

The lowest fee MEDFORD lenders (with over 10 loans originated) are KELLER MORTGAGE, LLC ($2,785), Strong Home Mortgage, LLC ($2,812), FirstBank ($2,859), FREEDOM MORTGAGE CORPORATION ($3,008) and NBKC BANK ($3,092).

The lowest rate MEDFORD lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.85%), PROVIDENT FUNDING ASSOCIATES, L.P. (2.96%), BETTER MORTGAGE CORPORATION (2.99%), CROSSCOUNTRY MORTGAGE, LLC (3.02%) and NORTHWEST COMMUNITY (3.06%).

MEDFORD, 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 2019 Loan Value 2020 Loan Value % Change 2020 Market Share
Guild Mortgage Company $169,160,000 $269,440,000 59.3% 8.2%
Quicken Loans $117,625,000 $235,260,000 100.0% 7.1%
Rogue Credit Union $129,645,000 $227,860,000 75.8% 6.9%
Caliber Home Loans Inc $129,365,000 $222,235,000 71.8% 6.7%
Evergreen Moneysource Mortgage Company $59,850,000 $147,420,000 146.3% 4.5%
Umpqua Bank $106,005,000 $144,980,000 36.8% 4.4%
Willamette Valley Bank $71,015,000 $114,395,000 61.1% 3.5%
People's Bank of Commerce $40,135,000 $105,235,000 162.2% 3.2%
United Shore Financial Services LLC $68,185,000 $103,160,000 51.3% 3.1%
loanDepot LLC $36,970,000 $85,370,000 130.9% 2.6%
FAIRWAY INDEPENDENT MORT CORP $67,120,000 $84,580,000 26.0% 2.6%
MOVEMENT MORTGAGE, LLC $53,645,000 $81,140,000 51.3% 2.5%
Freedom Mortgage Corporation $16,310,000 $78,540,000 381.5% 2.4%
US BANK, N.A. $54,155,000 $66,095,000 22.0% 2.0%
WELLS FARGO BANK NA $43,580,000 $64,515,000 48.0% 2.0%
Mortgage Express $32,285,000 $58,865,000 82.3% 1.8%
Pacific Residential Mortgage LLC $31,295,000 $54,925,000 75.5% 1.7%
Banner Bank $31,095,000 $49,315,000 58.6% 1.5%
Synergy One Lending $16,420,000 $49,200,000 199.6% 1.5%
CMG Mortgage Inc. $34,895,000 $44,300,000 27.0% 1.3%
JPMorgan Chase Bank, NA $28,145,000 $39,420,000 40.1% 1.2%
Evergreen Federal Bank $27,155,000 $36,690,000 35.1% 1.1%
HomeStreet Bank $1,720,000 $36,000,000 1,993.0% 1.1%
KeyBank National Association $30,040,000 $35,015,000 16.6% 1.1%
PENNYMAC LOAN SERVICES LLC $19,015,000 $32,215,000 69.4% 1.0%
Lakeview Loan Servicing, LLC $6,855,000 $27,175,000 296.4% 0.8%
Mortgage Research Center LLC $20,830,000 $26,025,000 24.9% 0.8%
Cardinal Financial Company LP $7,565,000 $25,360,000 235.2% 0.8%
Greystone Servicing Corporation, Inc. $23,260,000 n/a 0.7%
Nationstar Mortgage $14,125,000 $22,920,000 62.3% 0.7%
FIRST INTERSTATE BANK $10,655,000 $21,280,000 99.7% 0.6%
Northwest Community Credit Union $10,565,000 $21,205,000 100.7% 0.6%
Amerisave Mortgage Corporation $5,565,000 $20,745,000 272.8% 0.6%
Cherry Creek Mortgage Co. Inc. $11,785,000 $18,010,000 52.8% 0.5%
The Federal Savings Bank $8,100,000 $17,855,000 120.4% 0.5%
Flagstar Bank $8,905,000 $15,420,000 73.2% 0.5%
Summit Funding Inc. $7,940,000 $14,870,000 87.3% 0.4%
First Community Credit Union $12,015,000 $14,755,000 22.8% 0.4%
Sierra Pacific Mortgage $8,570,000 $14,625,000 70.7% 0.4%
Arbor Realty Trust Inc $13,855,000 n/a 0.4%
NEWREZ LLC $6,640,000 $13,820,000 108.1% 0.4%
Finance of America Mortgage LLC $4,870,000 $13,100,000 169.0% 0.4%
Intercontinental Capital Group, Inc. $2,115,000 $13,060,000 517.5% 0.4%
Better Mortgage Corporation $3,855,000 $12,350,000 220.4% 0.4%
USAA FEDERAL SAVINGS BANK $15,395,000 $12,130,000 -21.2% 0.4%
Washington Federal $9,655,000 $12,100,000 25.3% 0.4%
HomeBridge Financial Services, Inc. $5,280,000 $11,350,000 115.0% 0.3%
New American Funding (dba for Broker Solutions Inc) $5,650,000 $11,030,000 95.2% 0.3%
Ark-La-Tex Financial Services LLC $635,000 $10,715,000 1,587.4% 0.3%
Capital One, NA $9,895,000 n/a 0.3%
NAVY FEDERAL CREDIT UNION $7,430,000 $9,810,000 32.0% 0.3%
Stearns Lending $8,315,000 $9,385,000 12.9% 0.3%
Reverse Mortgage Funding LLC $4,610,000 $8,440,000 83.1% 0.3%
Bank of America NA $7,420,000 $8,205,000 10.6% 0.2%
North American Savings Bank $1,330,000 $7,890,000 493.2% 0.2%
NBKC Bank $5,215,000 $7,840,000 50.3% 0.2%
FirstBank $3,720,000 $7,430,000 99.7% 0.2%
Provident Funding Associates $6,580,000 $7,390,000 12.3% 0.2%
Sovereign Lending Group, Inc $4,935,000 $7,140,000 44.7% 0.2%
American Financial Network Inc. $4,830,000 $7,130,000 47.6% 0.2%
American Pacific Mortgage Corporation $1,680,000 $5,795,000 244.9% 0.2%
OnPoint Community Credit Union $875,000 $5,600,000 540.0% 0.2%
Village Capital & Investment $790,000 $5,590,000 607.6% 0.2%
Home Point Financial Corporation $4,465,000 $5,185,000 16.1% 0.2%
American Financial Resources Inc. $4,145,000 $4,820,000 16.3% 0.1%
NewDay Financial LLC dba NewDay USA $4,560,000 $4,780,000 4.8% 0.1%
Bank of England $2,395,000 $4,655,000 94.4% 0.1%
FIRST REPUBLIC BANK $1,025,000 $4,620,000 350.7% 0.1%
Barrington Bank & Trust $1,875,000 $4,480,000 138.9% 0.1%
Sun West Mortgage Company Inc. $1,280,000 $4,475,000 249.6% 0.1%
Keller Mortgage LLC $2,410,000 $4,465,000 85.3% 0.1%
Best Capital Funding $660,000 $4,030,000 510.6% 0.1%
CARRINGTON MORTGAGE SERVICES $7,715,000 $3,960,000 -48.7% 0.1%
Nations Lending Corporation $2,340,000 $3,925,000 67.7% 0.1%
Low VA Rates $1,685,000 $3,890,000 130.9% 0.1%
Mountain West Financial Inc. $2,645,000 $3,825,000 44.6% 0.1%
Columbia State Bank $265,000 $3,695,000 1,294.3% 0.1%
PHH MORTGAGE CORPORATION $465,000 $3,640,000 682.8% 0.1%
Directors Mortgage, Inc. $885,000 $3,625,000 309.6% 0.1%
Finance of America Reverse LLC $500,000 $3,570,000 614.0% 0.1%
Churchill Mortgage Corporation $1,025,000 $3,560,000 247.3% 0.1%
AAG $1,600,000 $3,530,000 120.6% 0.1%
PRIMELENDING $1,220,000 $3,480,000 185.2% 0.1%
American Financing Corporation $1,295,000 $3,425,000 164.5% 0.1%
Axos Bank $860,000 $3,190,000 270.9% 0.1%
Nexera Holding LLC $335,000 $3,145,000 838.8% 0.1%
Prime Choice Funding, Inc. $1,265,000 $3,030,000 139.5% 0.1%
Premier Mortgage Resources LLC $430,000 $3,015,000 601.2% 0.1%
Charles Schwab Bank $2,870,000 $2,980,000 3.8% 0.1%
MUFG Union Bank, NA $1,080,000 $2,890,000 167.6% 0.1%
GSF Mortgage Corporation $3,345,000 $2,875,000 -14.1% 0.1%
TIAA, FSB $3,235,000 $2,840,000 -12.2% 0.1%
AimLoan.com $1,325,000 $2,780,000 109.8% 0.1%
Ladera Lending, Inc. $1,655,000 $2,665,000 61.0% 0.1%
First Technology Credit Union $1,370,000 $2,595,000 89.4% 0.1%
Northpointe Bank $810,000 $2,575,000 217.9% 0.1%
Planet Home Lending LLC $1,275,000 $2,570,000 101.6% 0.1%
Northwest Farm Credit Services, FLCA $2,620,000 $2,565,000 -2.1% 0.1%
Wyndham Capital Mortgage $2,130,000 $2,425,000 13.8% 0.1%
Nudge Funding LLC $2,365,000 n/a 0.1%
Academy Mortgage Corporation $1,330,000 $2,320,000 74.4% 0.1%
Oregon Community Credit Union $2,260,000 $2,270,000 0.4% 0.1%
Open Mortgage LLC $165,000 $2,250,000 1,263.6% 0.1%
CBNA $1,715,000 $2,220,000 29.4% 0.1%
Alaska USA Federal Credit Union $2,180,000 n/a 0.1%
Intercap Lending Inc $295,000 $2,140,000 625.4% 0.1%
Nations Direct Mortgage LLC $2,110,000 $2,115,000 0.2% 0.1%
First Guaranty Mortgage Corporation $600,000 $2,095,000 249.2% 0.1%
Washington Trust Bank $3,460,000 $2,065,000 -40.3% 0.1%
Commerce Home Mortgage Inc. $2,055,000 n/a 0.1%
Stifel Bank and Trust $1,360,000 $2,040,000 50.0% 0.1%
SoFi Lending Corp $2,000,000 n/a 0.1%
Magnolia Bank Incorporated $1,610,000 $1,990,000 23.6% 0.1%
PNC BANK NA $165,000 $1,990,000 1,106.1% 0.1%
Plaza Home Mortgage Inc. $1,685,000 $1,965,000 16.6% 0.1%
TJC Mortgage, Inc. $1,960,000 n/a 0.1%
Guaranteed Rate Inc. $400,000 $1,945,000 386.3% 0.1%
LendUS LLC dba RPM Mortgage $335,000 $1,920,000 473.1% 0.1%
Midwest Equity Mortgage LLC $1,905,000 n/a 0.1%
Paramount Residential Mortgage Group Inc. $2,460,000 $1,865,000 -24.2% 0.1%
Citibank, N.A. $410,000 $1,850,000 351.2% 0.1%
Landmark Professional Mortgage Corporation $550,000 $1,805,000 228.2% 0.1%
Oceanside Mortgage Company $1,115,000 $1,800,000 61.4% 0.1%
Impac Mortgage Corp. dba CashCall Mortgage $1,925,000 $1,770,000 -8.1% 0.1%
RED MORTGAGE CAPITAL, LLC $1,705,000 n/a 0.1%
Toyota Financial Savings Bank $1,700,000 n/a 0.1%
Bayshore Mortgage Funding LLC $1,090,000 $1,685,000 54.6% 0.1%
Guaranteed Rate Affinity LLC $355,000 $1,650,000 364.8% 0.0%
Axia Financial LLC $1,630,000 n/a 0.0%
Third Federal Savings and Loan $985,000 $1,630,000 65.5% 0.0%
Morgan Stanley Private Bank NA $3,865,000 $1,610,000 -58.3% 0.0%
First Savings Bank $980,000 $1,600,000 63.3% 0.0%
Boeing Employees' Credit Union (BECU) $1,000,000 $1,585,000 58.5% 0.0%
Mortgage Lenders of America LLC $1,530,000 n/a 0.0%
TCF National Bank $2,230,000 $1,500,000 -32.7% 0.0%
OGI Mortgage Bankers $1,850,000 $1,460,000 -21.1% 0.0%
LenderFi, Inc. $1,680,000 $1,435,000 -14.6% 0.0%
SELCO Community Credit Union $605,000 $1,405,000 132.2% 0.0%
LoanPal $2,070,000 $1,395,000 -32.6% 0.0%
Mann Mortgage LLC $1,380,000 n/a 0.0%
Meridian Bank $1,350,000 n/a 0.0%
Embrace Home Loans, Inc. $625,000 $1,270,000 103.2% 0.0%
NOVA Financial & Investment Corporation dba: Nova Home Loans $375,000 $1,240,000 230.7% 0.0%
First Mortgage Solutions LLC $460,000 $1,215,000 164.1% 0.0%
Network Capital Funding Corporation $1,580,000 $1,205,000 -23.7% 0.0%
AmeriHomeMortgageCompany,LL $145,000 $1,195,000 724.1% 0.0%
Primary Residential Mortgage Inc. $430,000 $1,195,000 177.9% 0.0%
First Federal Bank of Kansas City $255,000 $1,185,000 364.7% 0.0%
BANK OF THE WEST $1,205,000 $1,155,000 -4.1% 0.0%
BNC NATIONAL BANK $425,000 $1,135,000 167.1% 0.0%
ARVEST BANK $700,000 $1,130,000 61.4% 0.0%
First Internet Bank $455,000 $1,115,000 145.1% 0.0%
Mid America Mortgage Inc. $550,000 $1,100,000 100.0% 0.0%
Mortgage Solutions of Colorado LLC $420,000 $1,075,000 156.0% 0.0%
E Mortgage Management LLC $790,000 $1,040,000 31.6% 0.0%
HomeTrust Bank $55,000 $1,010,000 1,736.4% 0.0%
Great Southern Bank $930,000 n/a 0.0%
HighTechLending Inc. $125,000 $930,000 644.0% 0.0%
Stanford Federal Credit Union $165,000 $930,000 463.6% 0.0%
Credit Human Federal Credit Union $425,000 $910,000 114.1% 0.0%
JMAC Lending Incorporated $245,000 $890,000 263.3% 0.0%
WEI Mortgage LLC $165,000 $890,000 439.4% 0.0%
Angel Oak Mortgage Solutions $915,000 $875,000 -4.4% 0.0%
Summit Mortgage Corporation $290,000 $875,000 201.7% 0.0%
Inland Bank and Trust $850,000 n/a 0.0%
Sunflower Bank, N.A. $175,000 $850,000 385.7% 0.0%
Oaktree Funding Corporation $845,000 n/a 0.0%
Flat Branch Mortgage Inc. $840,000 n/a 0.0%
CORNERSTONE HOME LENDING, INC. $810,000 n/a 0.0%
Goldwater Bank National Association $1,840,000 $810,000 -56.0% 0.0%
Cascade Financial Services $295,000 $805,000 172.9% 0.0%
RANLife, Inc. $1,075,000 $805,000 -25.1% 0.0%
First Midwest Bank $315,000 $740,000 134.9% 0.0%
Discover Bank $450,000 $730,000 62.2% 0.0%
AMERIS BANK $725,000 n/a 0.0%
GATEWAY MORTGAGE GROUP $720,000 n/a 0.0%
Lending 3 Inc $710,000 n/a 0.0%
Citadel Servicing Corporation $690,000 n/a 0.0%
Home Mortgage Alliance, LLC $325,000 $690,000 112.3% 0.0%
Peoples Bank $1,140,000 $680,000 -40.4% 0.0%
21ST MORTGAGE $1,050,000 $675,000 -35.7% 0.0%
Paramount Bank $655,000 n/a 0.0%
CIBC Bank USA $645,000 n/a 0.0%
Supreme Lending/ Everett Financial Inc. $2,280,000 $645,000 -71.7% 0.0%
Bay Equity LLC $425,000 $640,000 50.6% 0.0%
Calculated Risk Analytics LLC dba Excelerate Capital $625,000 n/a 0.0%
Branch Banking And Trust Co $585,000 $620,000 6.0% 0.0%
Cstone Mortgage Inc $475,000 $620,000 30.5% 0.0%
METROPOLITAN HOME MORTGAGE $325,000 $610,000 87.7% 0.0%
SPRING EQ, LLC $230,000 $610,000 165.2% 0.0%
M&T Bank $185,000 $585,000 216.2% 0.0%
Essex Mortgage $580,000 n/a 0.0%
LendSure Mortgage Corp $570,000 n/a 0.0%
Thrivent Federal Credit Union $135,000 $550,000 307.4% 0.0%
AmWest Funding Corp. $520,000 n/a 0.0%
City National Bank $515,000 n/a 0.0%
Independent Bank $515,000 n/a 0.0%
First Western Trust Bank $510,000 n/a 0.0%
Connexus Credit Union $145,000 $505,000 248.3% 0.0%
Chevron Federal Credit Union $185,000 $500,000 170.3% 0.0%
Civic Financial Services $165,000 $500,000 203.0% 0.0%
CAPITAL BANK, NA $285,000 $490,000 71.9% 0.0%
Cf Bank National Association $995,000 $480,000 -51.8% 0.0%
US Mortgage of Florida $480,000 n/a 0.0%
All Reverse Mortgage Inc $300,000 $470,000 56.7% 0.0%
Quorum Federal Credit Union $55,000 $470,000 754.5% 0.0%
Heritage Bank $465,000 n/a 0.0%
First Home Bank $875,000 $460,000 -47.4% 0.0%
Lenox Financial Mortgage Corp. $590,000 $450,000 -23.7% 0.0%
Prosperity Home Mortgage LLC $450,000 n/a 0.0%
Advisors Mortgage Group LLC $445,000 n/a 0.0%
BNY MELLON, N.A. $1,780,000 $435,000 -75.6% 0.0%
Highlands Residential Mortgage Ltd $435,000 n/a 0.0%
Pentagon Federal Credit Union $555,000 $435,000 -21.6% 0.0%
Longbridge Financial, LLC $225,000 $430,000 91.1% 0.0%
Sirva Mortgage Inc. $490,000 $405,000 -17.3% 0.0%
Unitus Community Credit Union $935,000 $400,000 -57.2% 0.0%
First Choice Loan Services Inc. $2,370,000 $395,000 -83.3% 0.0%
Premia Mortgage, LLC $395,000 n/a 0.0%
Watermark Home Loans $395,000 n/a 0.0%
Hometown Lenders LLC $380,000 n/a 0.0%
Homestead Funding Corp. $365,000 n/a 0.0%
On Q Financial Inc. $365,000 n/a 0.0%
Precision Capital $1,550,000 $365,000 -76.5% 0.0%
COMPASS BANK $555,000 $355,000 -36.0% 0.0%
Evolve Bank & Trust $355,000 n/a 0.0%
Huntington National Bank $715,000 $355,000 -50.3% 0.0%
Greenbox Loans Inc. $335,000 n/a 0.0%
The Mortgage Company $335,000 $335,000 0.0% 0.0%
University Credit Union $325,000 $335,000 3.1% 0.0%
Accelerate Mortgage $325,000 n/a 0.0%
Summit Mortgage Corporation $290,000 $325,000 12.1% 0.0%
Homeside Financial LLC $320,000 n/a 0.0%
Amcap Mortgage Ltd. $315,000 n/a 0.0%
American Finance House Lariiba $315,000 n/a 0.0%
Plains Commerce Bank $315,000 n/a 0.0%
United Mortgage Corp $590,000 $315,000 -46.6% 0.0%
V.I.P. Mortgage Inc. $315,000 n/a 0.0%
Franklin Loan Center $305,000 n/a 0.0%
Mortgage Management Consultants, Inc. $305,000 n/a 0.0%
Star One Credit Union $550,000 $300,000 -45.5% 0.0%
All Western Mortgage $295,000 n/a 0.0%
DIRECT MORTGAGE CORP $165,000 $295,000 78.8% 0.0%
Oregon State Credit Union $225,000 $295,000 31.1% 0.0%
Peoples Mortgage Company $215,000 $295,000 37.2% 0.0%
Spokane Teachers Credit Union $295,000 n/a 0.0%
PEOPLE'S INTERMOUNTAIN BANK $285,000 n/a 0.0%
Advantis Credit Union $420,000 $275,000 -34.5% 0.0%
AUSTIN CAPITAL BANK SSB $265,000 n/a 0.0%
Bank 2 $265,000 n/a 0.0%
James B. Nutter & Company $235,000 $265,000 12.8% 0.0%
Farmers Bank & Trust $255,000 n/a 0.0%
Bank of The Pacific $245,000 n/a 0.0%
BM REAL ESTATE SERVICES, INC. $245,000 n/a 0.0%
FBC Mortgage LLC $325,000 $245,000 -24.6% 0.0%
Graystone Mortgage LLC $245,000 n/a 0.0%
Land Home Financial Services Inc. $195,000 $245,000 25.6% 0.0%
Athas Capital Group $670,000 $235,000 -64.9% 0.0%
Belem Servicing, LLC dba Patriot Home Mortgage $235,000 n/a 0.0%
FARMERS BANK $235,000 n/a 0.0%
Golden Empire Mortgage, Inc. $235,000 n/a 0.0%
Parkside Lending LLC $235,000 n/a 0.0%
Firefighters First Credit Union $440,000 $225,000 -48.9% 0.0%
Sandia Area Federal Credit Union $225,000 n/a 0.0%
Rivermark Community Credit Union $215,000 n/a 0.0%
Waterstone Mortgage Corp $215,000 n/a 0.0%
American Neighborhood Mortgage dba AnnieMac Home Mortgage $205,000 n/a 0.0%
First American Bank $205,000 $205,000 0.0% 0.0%
JLB Corporation dba Golden Oak Lending $205,000 n/a 0.0%
Liberty Home Equity Solutions, Inc. $205,000 $205,000 0.0% 0.0%
Platinum Home Mortgage Corporation $345,000 $205,000 -40.6% 0.0%
Numerica Credit Union $195,000 n/a 0.0%
Qualstar Credit Union $460,000 $195,000 -57.6% 0.0%
Texana Bank, N.A. $185,000 n/a 0.0%
Wescom Central Credit Union $185,000 n/a 0.0%
American Residential Lending $175,000 n/a 0.0%
Congressional Federal Credit Union $175,000 n/a 0.0%
DIAMOND RESIDENTIAL MTG CORP $175,000 n/a 0.0%
Triad Financial Services Inc $380,000 $175,000 -53.9% 0.0%
Alterra Group LLC dba Alterra Home Loans $165,000 n/a 0.0%
KINECTA FEDERAL CREDIT UNION $155,000 $165,000 6.5% 0.0%
NW Priority Credit Union $165,000 n/a 0.0%
Sammamish Mortgage Company $1,215,000 $165,000 -86.4% 0.0%
Southern Bank $135,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC $280,000 $135,000 -51.8% 0.0%
Royal United Mortgage LLC $645,000 $125,000 -80.6% 0.0%
Frontier Bank $115,000 n/a 0.0%
FIRST NATIONAL BANK OF AMERICA $105,000 n/a 0.0%
TwinStar Credit Union $110,000 $105,000 -4.5% 0.0%
WMS Series LLC $195,000 $95,000 -51.3% 0.0%
IQ CREDIT UNION $35,000 n/a 0.0%

MEDFORD's top lender by overall market share is Guild Mortgage Company, with 8.2% market share. In second place, with 7.1%, is Quicken Loans, having originated $235,260,000 in loans. In third place, with 6.9%, is Rogue Credit Union, having originated $227,860,000 in loans. In third place, with 6.7%, is Caliber Home Loans Inc, having originated $222,235,000 in loans. In third place, with 4.5%, is Evergreen Moneysource Mortgage Company, having originated $147,420,000 in loans.


MEDFORD, OR Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 5,274 $1,459,480,000 $276,731
Home Purchase 3,703 $1,127,695,000 $304,536
Cash Out Refi 2,375 $633,405,000 $266,697
Home Improvement 377 $49,305,000 $130,782
Other 294 $34,630,000 $117,789

Medford's most frequently cited loan purpose was Refi, with 5,274 originations. The 2nd most popular reason was Home Purchase, with 3,703 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 5,504 $1,566,000,000 $284,520
2.5-3% 3,949 $1,102,345,000 $279,145
<2.5% 962 $274,540,000 $285,385
4-5% 726 $144,200,000 $198,623
5-6% 194 $25,390,000 $130,876
6-7% 67 $7,855,000 $117,239
Over 8% 51 $3,305,000 $64,804
7-8% 42 $3,360,000 $80,000

During 2020, Medford's most frequently originated rate bucket was 3-4%, with 5,504 originations.

Loan Sizing (MEDFORD, OR MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 7,273 $2,035,285,000 $279,841
$100k-200k 2,553 $406,075,000 $159,058
$400k-600k 1,291 $597,945,000 $463,164
$100,000 or less 745 $42,185,000 $56,624
$600k-1000k 127 $91,135,000 $717,598
$Over $1MM 34 $131,890,000 $3,879,118

MEDFORD's loan sizing saw the bucket of loans from $200k-400k with 7,273 originations, totaling $2,035,285,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 3,919 $1,154,055,000 $294,477
80-100% 3,729 $1,156,795,000 $310,216
40-60% 1,956 $505,070,000 $258,216
20-40% 783 $128,675,000 $164,336
Under 20% 480 $26,050,000 $54,271
Over 100% 155 $58,975,000 $380,484

MEDFORD's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 3,919 originations, totaling $1,154,055,000 in origination value.