MEDFORD Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Medford averaged
6.65%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.6% and
one month ago for the week of 2025-04-17, the
average rate was 6.82%.
Medford's average rate one year ago was 6.91%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.52%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Medford 30 Year Fixed Rate | 2025-05-22 | 6.65% |
| Medford 30 Year Fixed Rate Refi | 2025-05-22 | 7.52% |
| Medford 15 Year Fixed Rate | 2025-05-22 | 6.21% |
| Medford 15 Year Fixed Rate Refi | 2025-05-22 | 6.51% |
| Medford 30 Year FHA | 2025-05-22 | 6.46% |
| Medford 30 Year FHA Refi | 2025-05-22 | 6.51% |
| Medford 30 Year USDA | 2025-05-22 | 6.23% |
| Medford 30 Year USDA Refi | 2025-05-22 | 6.23% |
| Medford 30 Year VA | 2025-05-22 | 6.33% |
| Medford 30 Year VA Refi | 2025-05-22 | 5.72% |
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 lender, 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 Average Closing Costs & Other Stats
MEDFORD, OR's 137 lenders originated 4,095
loans during 2024. The total origination value was $1,548,135,000, with an average loan value of
$378,055.
MEDFORD's average closing costs are $6,440.
The top MEDFORD lender as defined by loan originations is ROGUE, with
221 loans originated. Their average total fees are
$5,549, which is $4,519
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee MEDFORD lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($3,847), Nations Lending Corporation ($4,267), JPMorgan Chase Bank ($4,780), Umpqua Bank ($5,493) and FIRST COMMUNITY ($5,493).
The lowest rate MEDFORD lenders (with over 10 loans originated) are
FIRST COMMUNITY (5.31%), DHI MORTGAGE COMPANY, LTD. (5.51%), JPMorgan Chase Bank (6.54%), Plains Commerce Bank (6.58%) and CMG MORTGAGE, INC. (6.63%).
MEDFORD, 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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| JONES LANG LASALLE MULTIFAMILY, LLC | $179,545,000 | $344,225,000 | 91.7% | 22.2% |
| ROGUE | $130,985,000 | $137,800,000 | 5.2% | 8.9% |
| GUILD MORTGAGE COMPANY | $94,840,000 | $87,560,000 | -7.7% | 5.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $39,760,000 | $86,195,000 | 116.8% | 5.6% |
| QUICKEN LOANS, LLC | $35,110,000 | $55,705,000 | 58.7% | 3.6% |
| Umpqua Bank | $27,375,000 | $51,045,000 | 86.5% | 3.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $46,140,000 | $50,635,000 | 9.7% | 3.3% |
| MOVEMENT MORTGAGE, LLC | $39,980,000 | $42,685,000 | 6.8% | 2.8% |
| Evergreen Federal Bank | $40,275,000 | $36,440,000 | -9.5% | 2.4% |
| Nations Lending Corporation | $28,915,000 | $35,110,000 | 21.4% | 2.3% |
| Willamette Valley Bank | $28,565,000 | $33,210,000 | 16.3% | 2.1% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $27,240,000 | $32,790,000 | 20.4% | 2.1% |
| CMG MORTGAGE, INC. | $14,315,000 | $30,700,000 | 114.5% | 2.0% |
| U.S. Bank | $22,345,000 | $23,530,000 | 5.3% | 1.5% |
| FIRST COMMUNITY | $3,650,000 | $19,920,000 | 445.8% | 1.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $19,990,000 | $19,770,000 | -1.1% | 1.3% |
| Mortgage Research Center, LLC | $11,000,000 | $19,110,000 | 73.7% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $12,685,000 | $19,110,000 | 50.7% | 1.2% |
| MORTGAGE EXPRESS, LLC | $16,630,000 | $18,805,000 | 13.1% | 1.2% |
| LOANDEPOT.COM, LLC | $15,425,000 | $14,925,000 | -3.2% | 1.0% |
| Banner Bank | $53,990,000 | $13,845,000 | -74.4% | 0.9% |
| DHI MORTGAGE COMPANY, LTD. | $2,050,000 | $13,490,000 | 558.0% | 0.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $12,850,000 | $13,300,000 | 3.5% | 0.9% |
| Legacy Bank & Trust Company | $13,205,000 | n/a | 0.9% | |
| NEWREZ LLC | $9,775,000 | $12,715,000 | 30.1% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $4,170,000 | $11,610,000 | 178.4% | 0.7% |
| Washington Federal Bank | $6,415,000 | $11,105,000 | 73.1% | 0.7% |
| Plains Commerce Bank | $295,000 | $10,480,000 | 3,452.5% | 0.7% |
| WALKER & DUNLOP, LLC | $10,105,000 | n/a | 0.7% | |
| JPMorgan Chase Bank | $14,335,000 | $9,000,000 | -37.2% | 0.6% |
| First Interstate Bank | $7,935,000 | $8,670,000 | 9.3% | 0.6% |
| Sunflower Bank | $8,225,000 | n/a | 0.5% | |
| The Loan Store, Inc. | $5,115,000 | $7,745,000 | 51.4% | 0.5% |
| Sierra Pacific Mortgage Company, Inc. | $8,070,000 | $7,110,000 | -11.9% | 0.5% |
| SUMMIT FUNDING, INC. | $8,565,000 | $7,055,000 | -17.6% | 0.5% |
| Century Mortgage Company DBA Century Lending Company | $4,955,000 | $6,825,000 | 37.7% | 0.4% |
| Oregon Pacific Banking Company | $7,615,000 | $5,985,000 | -21.4% | 0.4% |
| BROKER SOLUTIONS, INC. | $3,690,000 | $5,595,000 | 51.6% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $5,065,000 | $5,580,000 | 10.2% | 0.4% |
| BMO Harris Bank | $2,890,000 | $5,320,000 | 84.1% | 0.3% |
| TWINSTAR | $12,050,000 | $5,185,000 | -57.0% | 0.3% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $5,695,000 | $4,605,000 | -19.1% | 0.3% |
| NATIONS DIRECT MORTGAGE, LLC | $3,110,000 | $4,365,000 | 40.4% | 0.3% |
| GESA | $3,930,000 | n/a | 0.3% | |
| GUARANTEED RATE, INC. | $1,200,000 | $3,885,000 | 223.8% | 0.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $8,585,000 | $3,860,000 | -55.0% | 0.2% |
| The Federal Savings Bank | $2,520,000 | $3,840,000 | 52.4% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $3,645,000 | n/a | 0.2% | |
| The Huntington National Bank | $1,185,000 | $3,320,000 | 180.2% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $4,170,000 | $3,300,000 | -20.9% | 0.2% |
| Bank of America | $4,290,000 | $3,245,000 | -24.4% | 0.2% |
| NEXERA HOLDING LLC | $975,000 | $3,140,000 | 222.1% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,800,000 | $3,055,000 | 69.7% | 0.2% |
| OnPoint Community Credit Union | $1,920,000 | $3,005,000 | 56.5% | 0.2% |
| DIRECTORS MORTGAGE, INC. | $2,395,000 | $2,980,000 | 24.4% | 0.2% |
| LOANPAL, LLC | $1,110,000 | $2,825,000 | 154.5% | 0.2% |
| Figure Lending LLC | $1,590,000 | $2,680,000 | 68.6% | 0.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,305,000 | $2,660,000 | 15.4% | 0.2% |
| Citadel Servicing Corporation | $480,000 | $2,590,000 | 439.6% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $1,645,000 | $2,575,000 | 56.5% | 0.2% |
| Stifel Bank and Trust | $2,520,000 | n/a | 0.2% | |
| USAA Federal Savings Bank | $5,355,000 | $2,475,000 | -53.8% | 0.2% |
| BETTER MORTGAGE CORPORATION | $305,000 | $2,460,000 | 706.6% | 0.2% |
| Wells Fargo Bank | $5,685,000 | $2,415,000 | -57.5% | 0.2% |
| Flagstar Bank, FSB | $3,445,000 | $2,370,000 | -31.2% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $765,000 | $2,365,000 | 209.2% | 0.2% |
| MOUNTAIN WEST FINANCIAL, INC. | $3,485,000 | $2,360,000 | -32.3% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,360,000 | $2,290,000 | 68.4% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $1,150,000 | $2,275,000 | 97.8% | 0.1% |
| 21ST MORTGAGE CORPORATION | $980,000 | $2,270,000 | 131.6% | 0.1% |
| Morgan Stanley Private Bank | $2,845,000 | $2,245,000 | -21.1% | 0.1% |
| NEW DAY FINANCIAL, LLC | $2,225,000 | n/a | 0.1% | |
| Greenbox Loans, Inc. | $2,135,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $1,355,000 | $1,960,000 | 44.6% | 0.1% |
| CANOPY MORTGAGE, LLC | $1,540,000 | $1,950,000 | 26.6% | 0.1% |
| People's Bank of Commerce | $25,635,000 | $1,950,000 | -92.4% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,600,000 | $1,940,000 | 21.3% | 0.1% |
| CLM MORTGAGE, INC | $1,840,000 | n/a | 0.1% | |
| KeyBank | $6,040,000 | $1,835,000 | -69.6% | 0.1% |
| Northwest Farm Credit Services, FLCA | $955,000 | $1,825,000 | 91.1% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,265,000 | $1,595,000 | 26.1% | 0.1% |
| Carrington Mortgage Services, LLC | $610,000 | $1,585,000 | 159.8% | 0.1% |
| Charles Schwab Bank, SSB | $710,000 | $1,510,000 | 112.7% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $715,000 | $1,460,000 | 104.2% | 0.1% |
| SAMMAMISH MORTGAGE COMPANY | $1,015,000 | $1,460,000 | 43.8% | 0.1% |
| PLANET HOME LENDING, LLC | $1,210,000 | $1,385,000 | 14.5% | 0.1% |
| Luxury Mortgage Corp. | $1,365,000 | n/a | 0.1% | |
| ALLIANT CREDIT UNION | $1,860,000 | $1,335,000 | -28.2% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $1,415,000 | $1,270,000 | -10.2% | 0.1% |
| OCMBC, INC. | $860,000 | $1,270,000 | 47.7% | 0.1% |
| Oregon State Credit Union | $485,000 | $1,250,000 | 157.7% | 0.1% |
| GoPrime Mortgage, Inc. | $235,000 | $1,205,000 | 412.8% | 0.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $1,185,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $1,365,000 | $1,155,000 | -15.4% | 0.1% |
| LIMA ONE CAPITAL, LLC | $555,000 | $1,095,000 | 97.3% | 0.1% |
| AMWEST FUNDING CORP. | $1,730,000 | $1,090,000 | -37.0% | 0.1% |
| ARC HOME LLC | $2,515,000 | $1,070,000 | -57.5% | 0.1% |
| AMERITRUST MORTGAGE CORPORATION | $1,065,000 | n/a | 0.1% | |
| SUMMIT MORTGAGE CORPORATION | $860,000 | $1,025,000 | 19.2% | 0.1% |
| OREGON COMMUNITY | $800,000 | $1,010,000 | 26.3% | 0.1% |
| MOUNTAIN AMERICA | $1,005,000 | n/a | 0.1% | |
| NBKC BANK | $1,145,000 | $970,000 | -15.3% | 0.1% |
| T2 FINANCIAL LLC | $930,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $405,000 | $925,000 | 128.4% | 0.1% |
| Quontic Bank | $905,000 | n/a | 0.1% | |
| Ixonia Bank | $890,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $885,000 | n/a | 0.1% | |
| AHL FUNDING | $565,000 | $875,000 | 54.9% | 0.1% |
| Discover Bank | $1,450,000 | $865,000 | -40.3% | 0.1% |
| Coastal Community Bank | $470,000 | $825,000 | 75.5% | 0.1% |
| AMERICAN FINANCING CORPORATION | $680,000 | $810,000 | 19.1% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $1,475,000 | $805,000 | -45.4% | 0.1% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $650,000 | $785,000 | 20.8% | 0.1% |
| Magnolia Bank | $185,000 | $780,000 | 321.6% | 0.1% |
| SPRING EQ, LLC | $250,000 | $770,000 | 208.0% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $665,000 | $765,000 | 15.0% | 0.0% |
| Commerce Home Mortgage, Inc. | $1,530,000 | $760,000 | -50.3% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $2,585,000 | $745,000 | -71.2% | 0.0% |
| PHH Mortgage Corporation | $255,000 | $735,000 | 188.2% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $105,000 | $730,000 | 595.2% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $1,415,000 | $720,000 | -49.1% | 0.0% |
| FUNDLOANS CAPITAL | $705,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,050,000 | $695,000 | -66.1% | 0.0% |
| NP, Inc. | $1,075,000 | $685,000 | -36.3% | 0.0% |
| MICHIGAN MUTUAL, INC. | $245,000 | $665,000 | 171.4% | 0.0% |
| Armed Forces Bank | $655,000 | n/a | 0.0% | |
| MARION AND POLK SCHOOLS CREDIT UNION | $595,000 | $655,000 | 10.1% | 0.0% |
| Raymond James Bank | $655,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $645,000 | n/a | 0.0% | |
| EMM LOANS LLC | $390,000 | $640,000 | 64.1% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $205,000 | $640,000 | 212.2% | 0.0% |
| PREMIA MORTGAGE, LLC | $630,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $620,000 | n/a | 0.0% | |
| BAY EQUITY LLC | $355,000 | $620,000 | 74.6% | 0.0% |
| EVERETT FINANCIAL, INC. | $205,000 | $620,000 | 202.4% | 0.0% |
| Golden Empire Mortgage, Inc. | $225,000 | $605,000 | 168.9% | 0.0% |
| CLEARPATH LENDING | $595,000 | n/a | 0.0% | |
| ADVANCIAL | $585,000 | n/a | 0.0% | |
| Rivermark Community Credit Union | $580,000 | n/a | 0.0% | |
| RED CANOE CREDIT UNION | $575,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $550,000 | n/a | 0.0% | |
| Franklin Loan Corporation | $155,000 | $540,000 | 248.4% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $1,700,000 | $540,000 | -68.2% | 0.0% |
| PNC Bank | $835,000 | $535,000 | -35.9% | 0.0% |
| Prosperity Home Mortgage, LLC | $1,235,000 | $530,000 | -57.1% | 0.0% |
| Farmers Bank & Trust | $525,000 | n/a | 0.0% | |
| LAKEVIEW LOAN SERVICING, LLC | $225,000 | $515,000 | 128.9% | 0.0% |
| HighTechLending Inc | $2,360,000 | $495,000 | -79.0% | 0.0% |
| Tri Counties Bank | $845,000 | $485,000 | -42.6% | 0.0% |
| A&D Mortgage LLC | $470,000 | n/a | 0.0% | |
| AXIA FINANCIAL, LLC | $465,000 | n/a | 0.0% | |
| The Central Trust Bank | $465,000 | n/a | 0.0% | |
| First National Bank of America | $455,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $1,380,000 | $450,000 | -67.4% | 0.0% |
| MORTGAGEONE, INC. | $445,000 | n/a | 0.0% | |
| BAY-VALLEY MORTGAGE GROUP | $315,000 | $435,000 | 38.1% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $435,000 | n/a | 0.0% | |
| ALAMEDA MORTGAGE CORPORATION | $275,000 | $425,000 | 54.5% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $415,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $55,000 | $410,000 | 645.5% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $435,000 | $405,000 | -6.9% | 0.0% |
| SALAL | $390,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $185,000 | $385,000 | 108.1% | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | $375,000 | n/a | 0.0% | |
| University Bank | $375,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $365,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $365,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $325,000 | $365,000 | 12.3% | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $990,000 | $365,000 | -63.1% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $375,000 | $360,000 | -4.0% | 0.0% |
| Flanagan State Bank | $355,000 | n/a | 0.0% | |
| INTELLILOAN, INC. | $355,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $355,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $235,000 | $355,000 | 51.1% | 0.0% |
| GTE Federal Credit Union | $345,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $345,000 | n/a | 0.0% | |
| Paramount Bank | $335,000 | n/a | 0.0% | |
| SELCO COMMUNITY | $215,000 | $330,000 | 53.5% | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | $325,000 | n/a | 0.0% | |
| LENDINGHOME FUNDING CORPORATION | $345,000 | $325,000 | -5.8% | 0.0% |
| FIRST TECHNOLOGY | $2,145,000 | $320,000 | -85.1% | 0.0% |
| M&T Bank | $320,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants, Inc. | $760,000 | $315,000 | -58.6% | 0.0% |
| COLORADO CREDIT UNION | $315,000 | n/a | 0.0% | |
| NexBank | $850,000 | $305,000 | -64.1% | 0.0% |
| 1st Security Bank of Washington | $960,000 | $295,000 | -69.3% | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | $295,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $1,940,000 | $285,000 | -85.3% | 0.0% |
| Home Mortgage Alliance Corp | $275,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $510,000 | $275,000 | -46.1% | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | $275,000 | n/a | 0.0% | |
| Zions Bank | $475,000 | $275,000 | -42.1% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $265,000 | n/a | 0.0% | |
| ISERVE RESIDENTIAL LENDING, LLC | $265,000 | n/a | 0.0% | |
| Consolidated Federal Credit Union | $260,000 | n/a | 0.0% | |
| Cornerstone First Mortgage, Inc | $255,000 | n/a | 0.0% | |
| Crestline Funding Corporation | $255,000 | n/a | 0.0% | |
| HomeStreet Bank | $1,715,000 | $255,000 | -85.1% | 0.0% |
| STANFORD Federal Credit Union | $255,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $240,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $235,000 | n/a | 0.0% | |
| COASTAL FUNDING SLC, INC. | $235,000 | n/a | 0.0% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $630,000 | $235,000 | -62.7% | 0.0% |
| Connexus Credit Union | $205,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $205,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $345,000 | $195,000 | -43.5% | 0.0% |
| Vellum Mortgage, Inc. | $195,000 | n/a | 0.0% | |
| Boeing Employees Credit Union | $640,000 | $180,000 | -71.9% | 0.0% |
| Firefighters First Federal Credit Union | $335,000 | $155,000 | -53.7% | 0.0% |
| Merchants Mortgage & Trust Corporation | $155,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $125,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $120,000 | n/a | 0.0% | |
| PANORAMA MORTGAGE GROUP, LLC | $115,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $115,000 | $115,000 | 0.0% | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | $105,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $95,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $55,000 | n/a | 0.0% | |
| Citibank | $35,000 | n/a | 0.0% | |
| WASHINGTON STATE EMPLOYEES Credit Union | $25,000 | $35,000 | 40.0% | 0.0% |
MEDFORD's top lender by overall market share is JONES LANG LASALLE MULTIFAMILY, LLC, with 22.2% market share. In second place, with 8.9%, is ROGUE, having originated $137,800,000 in loans. In third place, with 5.7%, is GUILD MORTGAGE COMPANY, having originated $87,560,000 in loans. In fourth place, with 5.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $86,195,000 in loans. In fifth place, with 3.6%, is QUICKEN LOANS, LLC, having originated $55,705,000 in loans.
MEDFORD Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - MEDFORD (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 | $399,500 (3.3%) | $586,557 (2.4%) | 1.48 | 745 |
| 2018-02-01 | $412,100 (3.4%) | $594,461 (3.2%) | 1.50 | 758 |
| 2018-03-01 | $410,000 (3.8%) | $594,144 (5.1%) | 1.44 | 799 |
| 2018-04-01 | $400,000 (-0.6%) | $573,661 (-3.7%) | 1.36 | 877 |
| 2018-05-01 | $422,000 (4.0%) | $583,464 (-0.7%) | 1.41 | 958 |
| 2018-06-01 | $430,000 (7.5%) | $612,892 (5.4%) | 1.43 | 1,004 |
| 2018-07-01 | $428,125 (7.3%) | $586,293 (-0.5%) | 1.43 | 1,096 |
| 2018-08-01 | $409,988 (3.8%) | $567,500 (0.8%) | 1.37 | 1,107 |
| 2018-09-01 | $400,000 (1.3%) | $563,064 (-2.6%) | 1.34 | 1,141 |
| 2018-10-01 | $399,950 (1.9%) | $555,337 (-2.3%) | 1.35 | 1,206 |
| 2018-11-01 | $399,975 (0.1%) | $566,895 (1.2%) | 1.36 | 1,163 |
| 2018-12-01 | $399,900 (0.0%) | $561,064 (-3.9%) | 1.38 | 1,038 |
| 2019-01-01 | $399,900 (0.1%) | $553,744 (-5.6%) | 1.38 | 940 |
| 2019-02-01 | $399,900 (-3.0%) | $558,512 (-6.1%) | 1.35 | 953 |
| 2019-03-01 | $408,514 (-0.4%) | $566,919 (-4.6%) | 1.34 | 1,005 |
| 2019-04-01 | $424,500 (6.1%) | $573,899 (0.0%) | 1.35 | 1,077 |
| 2019-05-01 | $442,000 (4.7%) | $584,737 (0.2%) | 1.38 | 1,167 |
| 2019-06-01 | $439,000 (2.1%) | $582,043 (-5.0%) | 1.37 | 1,267 |
| 2019-07-01 | $424,500 (-0.9%) | $581,070 (-0.9%) | 1.33 | 1,247 |
| 2019-08-01 | $417,245 (1.8%) | $582,549 (2.7%) | 1.32 | 1,203 |
| 2019-09-01 | $413,114 (3.3%) | $585,713 (4.0%) | 1.32 | 1,141 |
| 2019-10-01 | $404,950 (1.3%) | $583,363 (5.1%) | 1.31 | 1,096 |
| 2019-11-01 | $407,000 (1.8%) | $586,971 (3.5%) | 1.33 | 956 |
| 2019-12-01 | $408,500 (2.2%) | $596,749 (6.4%) | 1.36 | 795 |
| 2020-01-01 | $399,950 (0.0%) | $604,484 (9.2%) | 1.34 | 703 |
| 2020-02-01 | $416,450 (4.1%) | $610,166 (9.3%) | 1.36 | 692 |
| 2020-03-01 | $437,000 (7.0%) | $639,712 (12.8%) | 1.37 | 699 |
| 2020-04-01 | $435,000 (2.5%) | $636,647 (10.9%) | 1.36 | 752 |
| 2020-05-01 | $449,450 (1.7%) | $646,115 (10.5%) | 1.37 | 701 |
| 2020-06-01 | $460,750 (5.0%) | $665,598 (14.4%) | 1.36 | 615 |
| 2020-07-01 | $460,950 (8.6%) | $668,741 (15.1%) | 1.34 | 562 |
| 2020-08-01 | $475,000 (13.8%) | $666,949 (14.5%) | 1.36 | 506 |
| 2020-09-01 | $484,000 (17.2%) | $681,578 (16.4%) | 1.39 | 402 |
| 2020-10-01 | $484,900 (19.7%) | $684,225 (17.3%) | 1.39 | 321 |
| 2020-11-01 | $486,500 (19.5%) | $692,166 (17.9%) | 1.42 | 311 |
| 2020-12-01 | $499,500 (22.3%) | $671,052 (12.5%) | 1.49 | 294 |
| 2021-01-01 | $500,000 (25.0%) | $688,603 (13.9%) | 1.49 | 246 |
| 2021-02-01 | $503,625 (20.9%) | $722,127 (18.4%) | 1.47 | 244 |
| 2021-03-01 | $499,000 (14.2%) | $680,957 (6.5%) | 1.42 | 278 |
| 2021-04-01 | $483,750 (11.2%) | $663,470 (4.2%) | 1.31 | 273 |
| 2021-05-01 | $520,000 (15.7%) | $686,716 (6.3%) | 1.38 | 317 |
| 2021-06-01 | $525,000 (13.9%) | $679,109 (2.0%) | 1.38 | 377 |
| 2021-07-01 | $515,000 (11.7%) | $679,800 (1.7%) | 1.36 | 418 |
| 2021-08-01 | $515,250 (8.5%) | $673,066 (0.9%) | 1.37 | 450 |
| 2021-09-01 | $499,500 (3.2%) | $658,445 (-3.4%) | 1.33 | 498 |
| 2021-10-01 | $510,000 (5.2%) | $667,077 (-2.5%) | 1.36 | 558 |
| 2021-11-01 | $525,000 (7.9%) | $694,382 (0.3%) | 1.40 | 500 |
| 2021-12-01 | $513,625 (2.8%) | $709,749 (5.8%) | 1.39 | 417 |
| 2022-01-01 | $549,500 (9.9%) | $742,930 (7.9%) | 1.49 | 342 |
| 2022-02-01 | $577,500 (14.7%) | $768,349 (6.4%) | 1.50 | 342 |
| 2022-03-01 | $550,000 (10.2%) | $748,099 (9.9%) | 1.38 | 377 |
| 2022-04-01 | $552,500 (14.2%) | $726,965 (9.6%) | 1.32 | 464 |
| 2022-05-01 | $556,250 (7.0%) | $717,151 (4.4%) | 1.27 | 605 |
| 2022-06-01 | $557,500 (6.2%) | $720,300 (6.1%) | 1.24 | 717 |
| 2022-07-01 | $535,000 (3.9%) | $699,466 (2.9%) | 1.21 | 839 |
| 2022-08-01 | $529,450 (2.8%) | $698,940 (3.8%) | 1.22 | 836 |
| 2022-09-01 | $528,750 (5.9%) | $695,211 (5.6%) | 1.24 | 766 |
| 2022-10-01 | $534,900 (4.9%) | $719,484 (7.9%) | 1.26 | 745 |
| 2022-11-01 | $524,950 (0.0%) | $706,360 (1.7%) | 1.26 | 707 |
| 2022-12-01 | $510,000 (-0.7%) | $715,888 (0.9%) | 1.26 | 626 |
| 2023-01-01 | $517,225 (-5.9%) | $723,692 (-2.6%) | 1.28 | 533 |
| 2023-02-01 | $548,000 (-5.1%) | $753,862 (-1.9%) | 1.32 | 501 |
| 2023-03-01 | $541,925 (-1.5%) | $743,258 (-0.7%) | 1.28 | 516 |
| 2023-04-01 | $544,950 (-1.4%) | $738,022 (1.5%) | 1.27 | 532 |
| 2023-05-01 | $549,000 (-1.3%) | $741,518 (3.4%) | 1.24 | 624 |
| 2023-06-01 | $552,500 (-0.9%) | $767,250 (6.5%) | 1.24 | 675 |
| 2023-07-01 | $549,900 (2.8%) | $753,810 (7.8%) | 1.25 | 706 |
| 2023-08-01 | $550,000 (3.9%) | $741,088 (6.0%) | 1.26 | 679 |
| 2023-09-01 | $535,000 (1.2%) | $710,473 (2.2%) | 1.25 | 696 |
| 2023-10-01 | $505,000 (-5.6%) | $685,860 (-4.7%) | 1.19 | 725 |
| 2023-11-01 | $525,000 (0.0%) | $718,529 (1.7%) | 1.25 | 673 |
| 2023-12-01 | $514,500 (0.9%) | $700,194 (-2.2%) | 1.25 | 628 |
| 2024-01-01 | $499,000 (-3.5%) | $687,083 (-5.1%) | 1.22 | 562 |
| 2024-02-01 | $499,473 (-8.9%) | $684,429 (-9.2%) | 1.20 | 541 |
| 2024-03-01 | $529,500 (-2.3%) | $706,215 (-5.0%) | 1.25 | 597 |
| 2024-04-01 | $526,750 (-3.3%) | $715,120 (-3.1%) | 1.23 | 672 |
| 2024-05-01 | $553,500 (0.8%) | $748,652 (1.0%) | 1.26 | 725 |
| 2024-06-01 | $545,000 (-1.4%) | $734,517 (-4.3%) | 1.24 | 752 |
| 2024-07-01 | $552,863 (0.5%) | $754,045 (0.0%) | 1.26 | 806 |
| 2024-08-01 | $540,000 (-1.8%) | $729,450 (-1.6%) | 1.26 | 821 |
| 2024-09-01 | $526,000 (-1.7%) | $721,707 (1.6%) | 1.24 | 828 |
| 2024-10-01 | $536,000 (6.1%) | $717,684 (4.6%) | 1.26 | 848 |
| 2024-11-01 | $525,000 (0.0%) | $708,531 (-1.4%) | 1.26 | 828 |
| 2024-12-01 | $524,997 (2.0%) | $692,921 (-1.0%) | 1.30 | 708 |
| 2025-01-01 | $516,346 (3.5%) | $688,381 (0.2%) | 1.29 | 659 |
| 2025-02-01 | $511,821 (2.5%) | $717,089 (4.8%) | 1.24 | 654 |
| 2025-03-01 | $529,000 (-0.1%) | $733,845 (3.9%) | 1.25 | 664 |
| 2025-04-01 | $530,000 (0.6%) | $712,320 (-0.4%) | 1.23 | 753 |
MEDFORD's median listing price for 2025-04-01 was $530,000, a difference of
$3,250
(0.6%) versus the prior year and
$1,000 versus the prior month.
MEDFORD's median listing price comes in at 123% of the national average.
MEDFORD's average listing price for 2025-04-01 was $712,320, a difference of $-2,800 (-0.4%) versus the prior year and $-21,525 versus the prior month.
For the 2025-04-01 period, MEDFORD had 753 MLS listings, a difference of 89 listings (13%) versus the prior month and 81 listings (12%) versus the prior year.
MEDFORD's median listing price comes in at 123% of the national average.
MEDFORD's average listing price for 2025-04-01 was $712,320, a difference of $-2,800 (-0.4%) versus the prior year and $-21,525 versus the prior month.
For the 2025-04-01 period, MEDFORD had 753 MLS listings, a difference of 89 listings (13%) versus the prior month and 81 listings (12%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - MEDFORD (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 80 days | 1,906 sqft |
| 2018-02-01 | 74 days | 1,914 sqft |
| 2018-03-01 | 61 days | 1,948 sqft |
| 2018-04-01 | 50 days | 1,947 sqft |
| 2018-05-01 | 50 days | 1,993 sqft |
| 2018-06-01 | 51 days | 2,032 sqft |
| 2018-07-01 | 53 days | 2,017 sqft |
| 2018-08-01 | 59 days | 1,992 sqft |
| 2018-09-01 | 71 days | 1,964 sqft |
| 2018-10-01 | 71 days | 1,942 sqft |
| 2018-11-01 | 67 days | 1,946 sqft |
| 2018-12-01 | 78 days | 1,919 sqft |
| 2019-01-01 | 87 days | 1,881 sqft |
| 2019-02-01 | 84 days | 1,889 sqft |
| 2019-03-01 | 69 days | 1,904 sqft |
| 2019-04-01 | 52 days | 1,931 sqft |
| 2019-05-01 | 45 days | 1,998 sqft |
| 2019-06-01 | 50 days | 1,978 sqft |
| 2019-07-01 | 59 days | 1,938 sqft |
| 2019-08-01 | 65 days | 1,933 sqft |
| 2019-09-01 | 70 days | 1,941 sqft |
| 2019-10-01 | 73 days | 1,937 sqft |
| 2019-11-01 | 75 days | 1,938 sqft |
| 2019-12-01 | 78 days | 1,874 sqft |
| 2020-01-01 | 80 days | 1,860 sqft |
| 2020-02-01 | 72 days | 1,858 sqft |
| 2020-03-01 | 45 days | 1,907 sqft |
| 2020-04-01 | 49 days | 1,906 sqft |
| 2020-05-01 | 60 days | 2,025 sqft |
| 2020-06-01 | 69 days | 2,055 sqft |
| 2020-07-01 | 69 days | 2,086 sqft |
| 2020-08-01 | 61 days | 2,080 sqft |
| 2020-09-01 | 68 days | 2,116 sqft |
| 2020-10-01 | 78 days | 2,044 sqft |
| 2020-11-01 | 59 days | 1,984 sqft |
| 2020-12-01 | 57 days | 1,914 sqft |
| 2021-01-01 | 66 days | 1,893 sqft |
| 2021-02-01 | 44 days | 1,872 sqft |
| 2021-03-01 | 39 days | 1,904 sqft |
| 2021-04-01 | 43 days | 1,851 sqft |
| 2021-05-01 | 33 days | 1,883 sqft |
| 2021-06-01 | 38 days | 1,885 sqft |
| 2021-07-01 | 39 days | 1,881 sqft |
| 2021-08-01 | 43 days | 1,868 sqft |
| 2021-09-01 | 43 days | 1,848 sqft |
| 2021-10-01 | 44 days | 1,838 sqft |
| 2021-11-01 | 54 days | 1,872 sqft |
| 2021-12-01 | 67 days | 1,837 sqft |
| 2022-01-01 | 75 days | 1,866 sqft |
| 2022-02-01 | 55 days | 1,928 sqft |
| 2022-03-01 | 40 days | 1,842 sqft |
| 2022-04-01 | 38 days | 1,860 sqft |
| 2022-05-01 | 36 days | 1,848 sqft |
| 2022-06-01 | 40 days | 1,881 sqft |
| 2022-07-01 | 46 days | 1,825 sqft |
| 2022-08-01 | 56 days | 1,825 sqft |
| 2022-09-01 | 65 days | 1,811 sqft |
| 2022-10-01 | 73 days | 1,829 sqft |
| 2022-11-01 | 80 days | 1,834 sqft |
| 2022-12-01 | 86 days | 1,795 sqft |
| 2023-01-01 | 94 days | 1,822 sqft |
| 2023-02-01 | 92 days | 1,858 sqft |
| 2023-03-01 | 59 days | 1,866 sqft |
| 2023-04-01 | 53 days | 1,840 sqft |
| 2023-05-01 | 49 days | 1,858 sqft |
| 2023-06-01 | 49 days | 1,891 sqft |
| 2023-07-01 | 56 days | 1,894 sqft |
| 2023-08-01 | 62 days | 1,890 sqft |
| 2023-09-01 | 64 days | 1,886 sqft |
| 2023-10-01 | 65 days | 1,828 sqft |
| 2023-11-01 | 72 days | 1,828 sqft |
| 2023-12-01 | 78 days | 1,798 sqft |
| 2024-01-01 | 84 days | 1,785 sqft |
| 2024-02-01 | 82 days | 1,777 sqft |
| 2024-03-01 | 59 days | 1,836 sqft |
| 2024-04-01 | 49 days | 1,852 sqft |
| 2024-05-01 | 52 days | 1,876 sqft |
| 2024-06-01 | 57 days | 1,886 sqft |
| 2024-07-01 | 61 days | 1,925 sqft |
| 2024-08-01 | 63 days | 1,920 sqft |
| 2024-09-01 | 69 days | 1,871 sqft |
| 2024-10-01 | 70 days | 1,902 sqft |
| 2024-11-01 | 73 days | 1,890 sqft |
| 2024-12-01 | 84 days | 1,877 sqft |
| 2025-01-01 | 95 days | 1,811 sqft |
| 2025-02-01 | 95 days | 1,803 sqft |
| 2025-03-01 | 73 days | 1,861 sqft |
| 2025-04-01 | 52 days | 1,853 sqft |
MEDFORD's median listing age (time on market) for 2025-04-01 was 52 days.
This
is 5%
longer
than the same period one year ago.
MEDFORD's median square footage for active listings during the 2025-04-01 period was 1,853 sqft. One year prior, the average listing was 1,852 sqft.
MEDFORD's median square footage for active listings during the 2025-04-01 period was 1,853 sqft. One year prior, the average listing was 1,852 sqft.
MEDFORD, OR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,363 | $907,405,000 | $384,006 |
| Home Improvement | 477 | $43,875,000 | $91,981 |
| Other | 428 | $38,860,000 | $90,794 |
| Cash Out Refi | 424 | $443,110,000 | $1,045,071 |
| Refi | 401 | $114,125,000 | $284,601 |
| NA | 2 | $760,000 | $380,000 |
Medford's most frequently cited loan purpose was Home Purchase, with 2,363 originations. The 2nd most popular reason was Home Improvement, with 477 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,557 | $891,635,000 | $572,662 |
| Over 8% | 1,157 | $135,115,000 | $116,780 |
| 7-8% | 671 | $246,105,000 | $366,773 |
| 5-6% | 489 | $179,805,000 | $367,699 |
| 4-5% | 78 | $29,980,000 | $384,359 |
| <2.5% | 17 | $2,245,000 | $132,059 |
| 2.5-3% | 13 | $3,235,000 | $248,846 |
| 3-4% | 7 | $1,415,000 | $202,143 |
During 2024, Medford's most frequently originated rate bucket was 6-7%, with 1,557 originations.
Loan Sizing (MEDFORD, OR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,651 | $503,665,000 | $305,067 |
| $100,000 or less | 913 | $48,865,000 | $53,521 |
| $400k-600k | 695 | $327,425,000 | $471,115 |
| $100k-200k | 610 | $84,850,000 | $139,098 |
| $600k-1000k | 199 | $140,145,000 | $704,246 |
| $Over $1MM | 27 | $443,185,000 | $16,414,259 |
MEDFORD's loan sizing saw the bucket of loans from $200k-400k with 1,651 originations, totaling $503,665,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,425 | $557,405,000 | $391,161 |
| Under 20% | 884 | $54,130,000 | $61,233 |
| 60-80% | 754 | $286,640,000 | $380,159 |
| 20-40% | 475 | $71,215,000 | $149,926 |
| 40-60% | 344 | $135,630,000 | $394,273 |
| Over 100% | 47 | $365,585,000 | $7,778,404 |
MEDFORD's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,425 originations, totaling $557,405,000 in origination value.