MEDFORD Mortgage Rates
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% |
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.).
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.