MEDFORD Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Medford averaged
5.21%
for the week of 2022-08-04, compared to the national average of
4.99% for the same period.
The average rate for the prior week (2022-07-28) was
5.72% and
one month ago for the week of 2022-06-30, the
average rate was 6.02%.
Medford's average rate one year ago was 3.02%.
For refis of the same type during the week of 2022-08-04, the average rate
was 5.09%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-08-04 | 4.99% |
| Medford 30 Year Fixed Rate | 2022-08-04 | 5.21% |
| Medford 30 Year Fixed Rate Refi | 2022-08-04 | 5.09% |
| Medford 15 Year Fixed Rate | 2022-08-04 | 5.24% |
| Medford 15 Year Fixed Rate Refi | 2022-08-04 | 4.26% |
| Medford 30 Year FHA | 2022-08-04 | 5.38% |
| Medford 30 Year FHA Refi | 2022-08-04 | 5.46% |
| Medford 30 Year USDA | 2022-08-04 | 5.11% |
| Medford 30 Year USDA Refi | 2022-08-04 | 5.04% |
| Medford 30 Year VA | 2022-08-04 | 5.52% |
| Medford 30 Year VA Refi | 2022-08-04 | 4.77% |
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, OR's 217 lenders originated 12,445
loans during 2021. The total origination value was $3,625,555,000, with an average loan value of
$291,326.
The top MEDFORD lender as defined by loan originations is GUILD MORTGAGE COMPANY, with
714 loans originated. Their average total fees are
$5,525, which is $31
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee MEDFORD lenders (with over 10 loans originated) are
Strong Home Mortgage, LLC ($2,319), North American Savings Bank, F.S.B. ($2,702), JPMorgan Chase Bank ($2,805), FirstBank ($2,832) and NBKC BANK ($3,351).
The lowest rate MEDFORD lenders (with over 10 loans originated) are
AMERICAN INTERNET MORTGAGE, INC. (2.70%), North American Savings Bank, F.S.B. (2.76%), FirstBank (2.79%), PROVIDENT FUNDING ASSOCIATES, L.P. (2.79%) and BETTER MORTGAGE CORPORATION (2.82%).
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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | $269,440,000 | $302,675,000 | 12.3% | 8.3% |
| ROGUE | $227,860,000 | $244,580,000 | 7.3% | 6.7% |
| QUICKEN LOANS, LLC | $235,260,000 | $233,905,000 | -0.6% | 6.5% |
| CALIBER HOME LOANS, INC. | $222,235,000 | $204,900,000 | -7.8% | 5.7% |
| Umpqua Bank | $144,980,000 | $156,820,000 | 8.2% | 4.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $147,420,000 | $142,995,000 | -3.0% | 3.9% |
| Banner Bank | $49,315,000 | $116,450,000 | 136.1% | 3.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $103,160,000 | $115,770,000 | 12.2% | 3.2% |
| LOANDEPOT.COM, LLC | $85,370,000 | $115,015,000 | 34.7% | 3.2% |
| Willamette Valley Bank | $114,395,000 | $108,890,000 | -4.8% | 3.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $31,120,000 | $104,680,000 | 236.4% | 2.9% |
| MOVEMENT MORTGAGE, LLC | $81,140,000 | $99,425,000 | 22.5% | 2.7% |
| PENNYMAC LOAN SERVICES, LLC | $32,215,000 | $76,395,000 | 137.1% | 2.1% |
| Wells Fargo Bank | $64,515,000 | $71,620,000 | 11.0% | 2.0% |
| U.S. Bank | $66,095,000 | $70,910,000 | 7.3% | 2.0% |
| People's Bank of Commerce | $105,235,000 | $70,255,000 | -33.2% | 1.9% |
| FREEDOM MORTGAGE CORPORATION | $78,540,000 | $60,250,000 | -23.3% | 1.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $49,200,000 | $59,830,000 | 21.6% | 1.7% |
| MORTGAGE EXPRESS, LLC | $58,865,000 | $57,675,000 | -2.0% | 1.6% |
| First Republic Bank | $4,620,000 | $53,475,000 | 1,057.5% | 1.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $84,580,000 | $53,450,000 | -36.8% | 1.5% |
| Evergreen Federal Bank | $36,690,000 | $42,175,000 | 14.9% | 1.2% |
| JPMorgan Chase Bank | $39,420,000 | $40,765,000 | 3.4% | 1.1% |
| KeyBank | $35,015,000 | $40,505,000 | 15.7% | 1.1% |
| CMG MORTGAGE, INC. | $44,300,000 | $39,195,000 | -11.5% | 1.1% |
| Washington Federal Bank | $12,100,000 | $34,675,000 | 186.6% | 1.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $25,360,000 | $32,980,000 | 30.0% | 0.9% |
| AMERISAVE MORTGAGE CORPORATION | $20,745,000 | $32,825,000 | 58.2% | 0.9% |
| BETTER MORTGAGE CORPORATION | $12,350,000 | $31,815,000 | 157.6% | 0.9% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $54,925,000 | $30,080,000 | -45.2% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $22,920,000 | $29,455,000 | 28.5% | 0.8% |
| LAKEVIEW LOAN SERVICING, LLC | $27,175,000 | $29,385,000 | 8.1% | 0.8% |
| Mortgage Research Center, LLC | $26,025,000 | $24,620,000 | -5.4% | 0.7% |
| First Interstate Bank | $21,280,000 | $24,365,000 | 14.5% | 0.7% |
| NEWREZ LLC | $13,820,000 | $23,915,000 | 73.0% | 0.7% |
| SUMMIT FUNDING, INC. | $14,870,000 | $23,880,000 | 60.6% | 0.7% |
| STEARNS LENDING, LLC | $9,385,000 | $23,200,000 | 147.2% | 0.6% |
| Sierra Pacific Mortgage Company, Inc. | $14,625,000 | $21,980,000 | 50.3% | 0.6% |
| Flagstar Bank, FSB | $15,420,000 | $20,945,000 | 35.8% | 0.6% |
| NORTHWEST COMMUNITY | $21,205,000 | $18,355,000 | -13.4% | 0.5% |
| HOME POINT FINANCIAL CORPORATION | $5,185,000 | $17,365,000 | 234.9% | 0.5% |
| BROKER SOLUTIONS, INC. | $11,030,000 | $14,505,000 | 31.5% | 0.4% |
| FINANCE OF AMERICA MORTGAGE LLC | $13,100,000 | $13,665,000 | 4.3% | 0.4% |
| CHERRY CREEK MORTGAGE, LLC | $18,010,000 | $12,320,000 | -31.6% | 0.3% |
| FIRST COMMUNITY | $14,755,000 | $10,700,000 | -27.5% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $11,350,000 | $10,685,000 | -5.9% | 0.3% |
| The Federal Savings Bank | $17,855,000 | $9,730,000 | -45.5% | 0.3% |
| Bank of America | $8,205,000 | $9,570,000 | 16.6% | 0.3% |
| REVERSE MORTGAGE FUNDING LLC | $8,440,000 | $9,175,000 | 8.7% | 0.3% |
| S1L, Inc. | $645,000 | $9,165,000 | 1,320.9% | 0.3% |
| MOUNTAIN WEST FINANCIAL, INC. | $3,825,000 | $8,535,000 | 123.1% | 0.2% |
| Nations Lending Corporation | $3,925,000 | $8,330,000 | 112.2% | 0.2% |
| North American Savings Bank, F.S.B. | $7,890,000 | $7,785,000 | -1.3% | 0.2% |
| NBKC BANK | $7,840,000 | $7,480,000 | -4.6% | 0.2% |
| USAA Federal Savings Bank | $12,130,000 | $7,310,000 | -39.7% | 0.2% |
| InterContinental Capital Group, Inc | $13,060,000 | $7,285,000 | -44.2% | 0.2% |
| GUARANTEED RATE, INC. | $1,945,000 | $7,200,000 | 270.2% | 0.2% |
| NEW DAY FINANCIAL, LLC | $4,780,000 | $7,170,000 | 50.0% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $9,810,000 | $7,125,000 | -27.4% | 0.2% |
| AMERICAN FINANCING CORPORATION | $3,425,000 | $7,060,000 | 106.1% | 0.2% |
| M&T Realty Capital Corporation | $6,825,000 | n/a | 0.2% | |
| Ally Bank | $3,830,000 | $6,745,000 | 76.1% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $7,130,000 | $6,595,000 | -7.5% | 0.2% |
| Carrington Mortgage Services, LLC | $3,960,000 | $6,180,000 | 56.1% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $4,475,000 | $6,075,000 | 35.8% | 0.2% |
| NATIONS DIRECT MORTGAGE, LLC | $2,115,000 | $5,905,000 | 179.2% | 0.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | $5,590,000 | $5,645,000 | 1.0% | 0.2% |
| Royal Business Bank | $5,470,000 | n/a | 0.2% | |
| LOANPAL, LLC | $1,395,000 | $5,460,000 | 291.4% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $5,795,000 | $5,420,000 | -6.5% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $3,015,000 | $5,155,000 | 71.0% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $7,390,000 | $5,120,000 | -30.7% | 0.1% |
| Charles Schwab Bank, SSB | $2,980,000 | $5,000,000 | 67.8% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,530,000 | $4,985,000 | 225.8% | 0.1% |
| AMERICAN ADVISORS GROUP | $3,530,000 | $4,705,000 | 33.3% | 0.1% |
| City National Bank | $515,000 | $4,630,000 | 799.0% | 0.1% |
| HomeStreet Bank | $36,000,000 | $4,335,000 | -88.0% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $2,780,000 | $4,255,000 | 53.1% | 0.1% |
| LADERA LENDING, INC. | $2,665,000 | $4,035,000 | 51.4% | 0.1% |
| Low VA Rates, LLC | $3,890,000 | $4,035,000 | 3.7% | 0.1% |
| FirstBank | $7,430,000 | $3,990,000 | -46.3% | 0.1% |
| FIRST TECHNOLOGY | $2,595,000 | $3,870,000 | 49.1% | 0.1% |
| Strong Home Mortgage, LLC | $4,070,000 | $3,790,000 | -6.9% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $4,480,000 | $3,655,000 | -18.4% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $3,480,000 | $3,560,000 | 2.3% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $10,715,000 | $3,400,000 | -68.3% | 0.1% |
| OREGON COMMUNITY | $2,270,000 | $3,330,000 | 46.7% | 0.1% |
| Columbia State Bank | $3,695,000 | $3,235,000 | -12.4% | 0.1% |
| Northwest Farm Credit Services, FLCA | $2,565,000 | $3,230,000 | 25.9% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $1,865,000 | $3,230,000 | 73.2% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $7,140,000 | $3,160,000 | -55.7% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $3,570,000 | $3,155,000 | -11.6% | 0.1% |
| First Guaranty Mortgage Corporation | $2,095,000 | $3,130,000 | 49.4% | 0.1% |
| CANOPY MORTGAGE, LLC | $2,365,000 | $2,975,000 | 25.8% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $1,205,000 | $2,915,000 | 141.9% | 0.1% |
| Chicago Mortgage Solutions LLC | $2,875,000 | n/a | 0.1% | |
| NMSI, INC. | $2,840,000 | n/a | 0.1% | |
| Commerce Home Mortgage, Inc. | $2,055,000 | $2,770,000 | 34.8% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $2,425,000 | $2,770,000 | 14.2% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $435,000 | $2,740,000 | 529.9% | 0.1% |
| MANN FINANCIAL INC. | $1,380,000 | $2,690,000 | 94.9% | 0.1% |
| ACADEMY MORTGAGE CORPORATION | $2,320,000 | $2,665,000 | 14.9% | 0.1% |
| OnPoint Community Credit Union | $5,600,000 | $2,625,000 | -53.1% | 0.1% |
| SUMMIT MORTGAGE CORPORATION | $875,000 | $2,580,000 | 194.9% | 0.1% |
| Mechanics Bank | $2,405,000 | n/a | 0.1% | |
| PNC Bank | $1,990,000 | $2,380,000 | 19.6% | 0.1% |
| First Savings Bank | $1,600,000 | $2,360,000 | 47.5% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $4,820,000 | $2,345,000 | -51.3% | 0.1% |
| MUFG Union Bank | $2,890,000 | $2,325,000 | -19.6% | 0.1% |
| Magnolia Bank | $1,990,000 | $2,315,000 | 16.3% | 0.1% |
| KELLER MORTGAGE, LLC | $4,465,000 | $2,230,000 | -50.1% | 0.1% |
| Stifel Bank and Trust | $2,040,000 | $2,230,000 | 9.3% | 0.1% |
| AmeriHome Mortgage Company, LLC | $1,195,000 | $2,185,000 | 82.8% | 0.1% |
| PHH Mortgage Corporation | $3,640,000 | $2,165,000 | -40.5% | 0.1% |
| NEXERA HOLDING LLC | $3,145,000 | $2,120,000 | -32.6% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $875,000 | $2,085,000 | 138.3% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $320,000 | $2,080,000 | 550.0% | 0.1% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $2,040,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $1,965,000 | $2,025,000 | 3.1% | 0.1% |
| MORIA DEVELOPMENT, INC. | $295,000 | $2,010,000 | 581.4% | 0.1% |
| Citadel Servicing Corporation | $690,000 | $1,995,000 | 189.1% | 0.1% |
| BNY Mellon | $435,000 | $1,960,000 | 350.6% | 0.1% |
| TIAA, FSB | $2,840,000 | $1,955,000 | -31.2% | 0.1% |
| Axos Bank | $3,190,000 | $1,935,000 | -39.3% | 0.1% |
| NP, Inc. | $480,000 | $1,930,000 | 302.1% | 0.1% |
| Loan Simple, Inc. | $1,870,000 | n/a | 0.1% | |
| Citibank | $1,850,000 | $1,840,000 | -0.5% | 0.1% |
| CELEBRITY HOME LOANS, LLC | $1,905,000 | $1,825,000 | -4.2% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $430,000 | $1,785,000 | 315.1% | 0.0% |
| IMPAC MORTGAGE CORP. | $1,770,000 | $1,775,000 | 0.3% | 0.0% |
| Morgan Stanley Private Bank | $1,610,000 | $1,765,000 | 9.6% | 0.0% |
| CLEARPATH LENDING | $1,740,000 | n/a | 0.0% | |
| Bank of England | $4,655,000 | $1,720,000 | -63.1% | 0.0% |
| BNC National Bank | $1,135,000 | $1,595,000 | 40.5% | 0.0% |
| GSF Mortgage Corporation | $2,875,000 | $1,550,000 | -46.1% | 0.0% |
| BEST CAPITAL FUNDING | $4,030,000 | $1,520,000 | -62.3% | 0.0% |
| LPMC, LLC | $1,805,000 | $1,500,000 | -16.9% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $1,460,000 | n/a | 0.0% | |
| LENDERFI, INC. | $1,435,000 | $1,455,000 | 1.4% | 0.0% |
| Hometown Lenders, Inc. | $380,000 | $1,430,000 | 276.3% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $3,560,000 | $1,380,000 | -61.2% | 0.0% |
| Washington Trust Bank | $2,065,000 | $1,335,000 | -35.4% | 0.0% |
| BAY EQUITY LLC | $640,000 | $1,305,000 | 103.9% | 0.0% |
| OPEN MORTGAGE, LLC | $2,250,000 | $1,265,000 | -43.8% | 0.0% |
| HighTechLending Inc | $930,000 | $1,260,000 | 35.5% | 0.0% |
| Century Mortgage Company DBA Century Lending Company | $1,240,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $245,000 | $1,235,000 | 404.1% | 0.0% |
| Rivermark Community Credit Union | $215,000 | $1,230,000 | 472.1% | 0.0% |
| AXIA FINANCIAL, LLC | $1,630,000 | $1,220,000 | -25.2% | 0.0% |
| JMAC LENDING, INC. | $890,000 | $1,195,000 | 34.3% | 0.0% |
| DRAPER AND KRAMER MORTGAGE CORP. | $1,185,000 | n/a | 0.0% | |
| First Mortgage Solutions, LLC | $1,215,000 | $1,175,000 | -3.3% | 0.0% |
| DIRECTORS MORTGAGE, INC. | $3,625,000 | $1,170,000 | -67.7% | 0.0% |
| PLANET HOME LENDING, LLC | $2,570,000 | $1,155,000 | -55.1% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $1,630,000 | $1,155,000 | -29.1% | 0.0% |
| Colonial Savings, F.A. | $1,150,000 | n/a | 0.0% | |
| First Home Bank | $460,000 | $1,135,000 | 146.7% | 0.0% |
| LENDSURE MORTGAGE CORP. | $570,000 | $1,130,000 | 98.2% | 0.0% |
| Hometown Equity Mortgage, LLC | $1,110,000 | n/a | 0.0% | |
| First Internet Bank of Indiana | $1,115,000 | $1,080,000 | -3.1% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,195,000 | $1,070,000 | -10.5% | 0.0% |
| CIVIC FINANCIAL SERVICES, LLC | $500,000 | $1,060,000 | 112.0% | 0.0% |
| LENDUS, LLC | $1,920,000 | $1,015,000 | -47.1% | 0.0% |
| Alaska USA Federal Credit Union | $2,180,000 | $990,000 | -54.6% | 0.0% |
| SPRING EQ, LLC | $610,000 | $985,000 | 61.5% | 0.0% |
| ARC HOME LLC | $890,000 | $980,000 | 10.1% | 0.0% |
| First Federal Bank of Kansas City | $1,185,000 | $970,000 | -18.1% | 0.0% |
| Truist Bank | $620,000 | $935,000 | 50.8% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $450,000 | $920,000 | 104.4% | 0.0% |
| Manufacturers and Traders Trust Company | $585,000 | $910,000 | 55.6% | 0.0% |
| EVERETT FINANCIAL, INC. | $645,000 | $905,000 | 40.3% | 0.0% |
| GENEVA FINANCIAL, LLC | $905,000 | n/a | 0.0% | |
| SELCO COMMUNITY | $1,405,000 | $905,000 | -35.6% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $910,000 | $895,000 | -1.6% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $1,650,000 | $890,000 | -46.1% | 0.0% |
| Figure Lending LLC | $615,000 | $880,000 | 43.1% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $810,000 | $875,000 | 8.0% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $870,000 | n/a | 0.0% | |
| RANLIFE, INC. | $805,000 | $865,000 | 7.5% | 0.0% |
| ACCELERATE MORTGAGE, LLC | $325,000 | $855,000 | 163.1% | 0.0% |
| Citizens Bank | $2,220,000 | $850,000 | -61.7% | 0.0% |
| TruHome Solutions, LLC | $815,000 | n/a | 0.0% | |
| Sunflower Bank | $850,000 | $805,000 | -5.3% | 0.0% |
| IDAHO CENTRAL | $800,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $405,000 | $790,000 | 95.1% | 0.0% |
| First Bankers Trust Company | $775,000 | n/a | 0.0% | |
| Amerifirst Financial, Inc. | $760,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,075,000 | $750,000 | -30.2% | 0.0% |
| ON Q FINANCIAL, INC. | $365,000 | $750,000 | 105.5% | 0.0% |
| PacWest Funding Inc. | $365,000 | $750,000 | 105.5% | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $745,000 | n/a | 0.0% | |
| EMM LOANS LLC | $1,040,000 | $730,000 | -29.8% | 0.0% |
| Prime Choice Funding Inc. | $3,030,000 | $730,000 | -75.9% | 0.0% |
| Northpointe Bank | $2,575,000 | $725,000 | -71.8% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $445,000 | $720,000 | 61.8% | 0.0% |
| BOKF | $720,000 | n/a | 0.0% | |
| ADVANTIS | $275,000 | $710,000 | 158.2% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $1,100,000 | $705,000 | -35.9% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $1,800,000 | $685,000 | -61.9% | 0.0% |
| WESTERN EXPRESS LENDING | $440,000 | $685,000 | 55.7% | 0.0% |
| ALLIANT CREDIT UNION | $680,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $315,000 | $680,000 | 115.9% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $665,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $255,000 | $665,000 | 160.8% | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $1,240,000 | $660,000 | -46.8% | 0.0% |
| Discover Bank | $730,000 | $650,000 | -11.0% | 0.0% |
| Firefighters First Federal Credit Union | $225,000 | $650,000 | 188.9% | 0.0% |
| Home Mortgage Alliance Corp | $650,000 | n/a | 0.0% | |
| INTERCAP LENDING INC. | $2,140,000 | $650,000 | -69.6% | 0.0% |
| STANFORD Federal Credit Union | $930,000 | $650,000 | -30.1% | 0.0% |
| Bank of the West | $1,155,000 | $645,000 | -44.2% | 0.0% |
| ALL REVERSE MORTGAGE, INC. | $470,000 | $630,000 | 34.0% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $630,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $470,000 | $630,000 | 34.0% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $175,000 | $630,000 | 260.0% | 0.0% |
| 21ST MORTGAGE CORPORATION | $675,000 | $600,000 | -11.1% | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | $1,685,000 | $590,000 | -65.0% | 0.0% |
| GoPrime Mortgage, Inc. | $580,000 | n/a | 0.0% | |
| NFM, INC. | $580,000 | n/a | 0.0% | |
| Boeing Employees Credit Union | $1,585,000 | $565,000 | -64.4% | 0.0% |
| OCMBC, INC. | $550,000 | n/a | 0.0% | |
| ADVANCIAL | $545,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $545,000 | n/a | 0.0% | |
| MASON MCDUFFIE MORTGAGE CORPORATION | $545,000 | n/a | 0.0% | |
| SAMMAMISH MORTGAGE COMPANY | $165,000 | $540,000 | 227.3% | 0.0% |
| SRE MORTGAGE ALLIANCE INC. | $530,000 | n/a | 0.0% | |
| KS StateBank | $525,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $525,000 | n/a | 0.0% | |
| UBS Bank USA | $515,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP. | $510,000 | n/a | 0.0% | |
| Unitus Community Credit Union | $400,000 | $510,000 | 27.5% | 0.0% |
| Toyota Financial Savings Bank | $1,700,000 | $505,000 | -70.3% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $500,000 | n/a | 0.0% | |
| Wallick & Volk, Inc. | $495,000 | n/a | 0.0% | |
| LENDINGHOME FUNDING CORPORATION | $490,000 | n/a | 0.0% | |
| Golden Empire Mortgage, Inc. | $235,000 | $465,000 | 97.9% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $245,000 | $460,000 | 87.8% | 0.0% |
| ONY GLO, INC. | $1,460,000 | $455,000 | -68.8% | 0.0% |
| Lend Smart Mortgage, LLC | $450,000 | n/a | 0.0% | |
| Goldwater Bank, N.A. | $810,000 | $445,000 | -45.1% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $1,840,000 | $445,000 | -75.8% | 0.0% |
| Watermark Capital, Inc. | $395,000 | $435,000 | 10.1% | 0.0% |
| ENVOY MORTGAGE, LTD | $425,000 | n/a | 0.0% | |
| KINECTA | $165,000 | $425,000 | 157.6% | 0.0% |
| Oregon State Credit Union | $295,000 | $420,000 | 42.4% | 0.0% |
| HOME MORTGAGE ALLIANCE, LLC | $690,000 | $415,000 | -39.9% | 0.0% |
| CALCULATED RISK ANALYTICS LLC | $625,000 | $405,000 | -35.2% | 0.0% |
| Texana Bank | $185,000 | $405,000 | 118.9% | 0.0% |
| Lone Star National Bank | $385,000 | n/a | 0.0% | |
| Mutual Federal Bank | $385,000 | n/a | 0.0% | |
| THE MORTGAGE COMPANY | $335,000 | $375,000 | 11.9% | 0.0% |
| Cornerstone First Mortgage, Inc | $620,000 | $365,000 | -41.1% | 0.0% |
| SOFI LENDING CORP. | $2,000,000 | $360,000 | -82.0% | 0.0% |
| The Huntington National Bank | $355,000 | $360,000 | 1.4% | 0.0% |
| Community First National Bank | $355,000 | n/a | 0.0% | |
| Platinum Home Mortgage Corporation | $205,000 | $345,000 | 68.3% | 0.0% |
| Tri Counties Bank | $345,000 | n/a | 0.0% | |
| Meridian Bank Corporation | $1,350,000 | $335,000 | -75.2% | 0.0% |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | $305,000 | $335,000 | 9.8% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $135,000 | $335,000 | 148.1% | 0.0% |
| VERITAS FUNDING, LLC | $330,000 | n/a | 0.0% | |
| ALAMEDA MORTGAGE CORPORATION | $325,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $315,000 | n/a | 0.0% | |
| SEA WEST COAST GUARD FEDERAL CREDIT UNION | $315,000 | n/a | 0.0% | |
| Midwest Community Bank | $305,000 | n/a | 0.0% | |
| PREMIER LENDING, INC. | $305,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $450,000 | $305,000 | -32.2% | 0.0% |
| FUNDLOANS CAPITAL | $295,000 | n/a | 0.0% | |
| Mid Oregon Federal Credit Union | $295,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $295,000 | n/a | 0.0% | |
| Arvest Bank | $1,130,000 | $290,000 | -74.3% | 0.0% |
| WASHINGTON STATE EMPLOYEES Credit Union | $290,000 | n/a | 0.0% | |
| LENDING 3, INC. | $710,000 | $285,000 | -59.9% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $125,000 | $280,000 | 124.0% | 0.0% |
| First Federal Bank | $570,000 | $275,000 | -51.8% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $805,000 | $275,000 | -65.8% | 0.0% |
| DATA MORTGAGE, INC. | $580,000 | $265,000 | -54.3% | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | $265,000 | n/a | 0.0% | |
| Cornerstone National Bank & Trust Company | $255,000 | n/a | 0.0% | |
| Gateway First Bank | $720,000 | $225,000 | -68.8% | 0.0% |
| Quontic Bank | $225,000 | n/a | 0.0% | |
| Servion, Inc. | $225,000 | n/a | 0.0% | |
| Amalgamated Bank | $215,000 | n/a | 0.0% | |
| BELEM SERVICING LLC | $235,000 | $215,000 | -8.5% | 0.0% |
| Ixonia Bank | $205,000 | n/a | 0.0% | |
| STAR ONE CREDIT UNION | $300,000 | $205,000 | -31.7% | 0.0% |
| Republic Bank & Trust Company | $195,000 | n/a | 0.0% | |
| 1st Security Bank of Washington | $175,000 | n/a | 0.0% | |
| ATLANTA POSTAL | $175,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $175,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $550,000 | $155,000 | -71.8% | 0.0% |
| UNITED SECURITY FINANCIAL CORP | $155,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $115,000 | n/a | 0.0% | |
| First-Citizens Bank & Trust Company | $75,000 | n/a | 0.0% | |
| CANVAS CREDIT UNION | $65,000 | n/a | 0.0% | |
| TCF National Bank | $1,500,000 | $45,000 | -97.0% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $15,000 | n/a | 0.0% |
MEDFORD's top lender by overall market share is GUILD MORTGAGE COMPANY, with 8.3% market share. In second place, with 6.7%, is ROGUE, having originated $244,580,000 in loans. In third place, with 6.5%, is QUICKEN LOANS, LLC, having originated $233,905,000 in loans. In third place, with 5.7%, is CALIBER HOME LOANS, INC., having originated $204,900,000 in loans. In third place, with 4.3%, is Umpqua Bank, having originated $156,820,000 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 | $404,900 (4.1%) | $600,421 (2.9%) | 1.49 | 764 |
| 2018-02-01 | $418,750 (5.0%) | $612,160 (4.8%) | 1.51 | 779 |
| 2018-03-01 | $420,000 (5.3%) | $605,372 (4.4%) | 1.45 | 821 |
| 2018-04-01 | $419,500 (2.6%) | $585,530 (-1.9%) | 1.41 | 901 |
| 2018-05-01 | $427,000 (3.5%) | $599,884 (1.3%) | 1.42 | 988 |
| 2018-06-01 | $440,000 (6.9%) | $632,008 (7.7%) | 1.47 | 1,048 |
| 2018-07-01 | $437,450 (9.4%) | $591,673 (-1.3%) | 1.46 | 1,146 |
| 2018-08-01 | $417,000 (4.5%) | $577,562 (0.1%) | 1.39 | 1,164 |
| 2018-09-01 | $415,000 (4.0%) | $580,637 (-1.1%) | 1.39 | 1,197 |
| 2018-10-01 | $404,500 (1.6%) | $568,011 (-0.8%) | 1.35 | 1,255 |
| 2018-11-01 | $406,500 (1.6%) | $592,002 (4.6%) | 1.36 | 1,213 |
| 2018-12-01 | $403,000 (-2.9%) | $584,866 (-2.6%) | 1.38 | 1,093 |
| 2019-01-01 | $400,000 (-1.2%) | $572,057 (-4.7%) | 1.38 | 987 |
| 2019-02-01 | $400,000 (-4.5%) | $582,882 (-4.8%) | 1.34 | 1,006 |
| 2019-03-01 | $413,000 (-1.7%) | $594,692 (-1.8%) | 1.35 | 1,059 |
| 2019-04-01 | $430,000 (2.5%) | $601,337 (2.7%) | 1.35 | 1,135 |
| 2019-05-01 | $445,000 (4.2%) | $615,773 (2.7%) | 1.37 | 1,229 |
| 2019-06-01 | $444,900 (1.1%) | $609,790 (-3.5%) | 1.37 | 1,341 |
| 2019-07-01 | $427,500 (-2.3%) | $608,512 (2.9%) | 1.33 | 1,320 |
| 2019-08-01 | $422,757 (1.4%) | $609,682 (5.6%) | 1.33 | 1,276 |
| 2019-09-01 | $419,450 (1.1%) | $609,543 (5.0%) | 1.33 | 1,211 |
| 2019-10-01 | $404,950 (0.1%) | $603,277 (6.2%) | 1.29 | 1,123 |
| 2019-11-01 | $410,000 (0.9%) | $613,346 (3.6%) | 1.32 | 975 |
| 2019-12-01 | $422,000 (4.7%) | $621,302 (6.2%) | 1.41 | 812 |
| 2020-01-01 | $409,000 (2.3%) | $631,258 (10.4%) | 1.36 | 722 |
| 2020-02-01 | $420,000 (5.0%) | $630,202 (8.1%) | 1.36 | 706 |
| 2020-03-01 | $439,450 (6.4%) | $661,104 (11.2%) | 1.37 | 712 |
| 2020-04-01 | $439,450 (2.2%) | $659,406 (9.7%) | 1.37 | 763 |
| 2020-05-01 | $459,000 (3.2%) | $686,313 (11.5%) | 1.39 | 718 |
| 2020-06-01 | $477,000 (7.2%) | $732,613 (20.1%) | 1.39 | 632 |
| 2020-07-01 | $477,000 (11.6%) | $741,067 (21.8%) | 1.37 | 584 |
| 2020-08-01 | $485,000 (14.7%) | $749,542 (22.9%) | 1.39 | 529 |
| 2020-09-01 | $524,000 (24.9%) | $776,106 (27.3%) | 1.50 | 420 |
| 2020-10-01 | $559,900 (38.3%) | $808,742 (34.1%) | 1.60 | 332 |
| 2020-11-01 | $557,500 (36.0%) | $818,819 (33.5%) | 1.60 | 319 |
| 2020-12-01 | $534,950 (26.8%) | $744,511 (19.8%) | 1.57 | 306 |
| 2021-01-01 | $529,000 (29.3%) | $757,870 (20.1%) | 1.56 | 254 |
| 2021-02-01 | $509,500 (21.3%) | $785,503 (24.6%) | 1.47 | 254 |
| 2021-03-01 | $507,450 (15.5%) | $738,577 (11.7%) | 1.42 | 289 |
| 2021-04-01 | $492,000 (12.0%) | $707,489 (7.3%) | 1.32 | 282 |
| 2021-05-01 | $525,000 (14.4%) | $719,245 (4.8%) | 1.38 | 330 |
| 2021-06-01 | $531,500 (11.4%) | $708,081 (-3.4%) | 1.38 | 389 |
| 2021-07-01 | $525,000 (10.1%) | $714,890 (-3.5%) | 1.36 | 422 |
| 2021-08-01 | $520,000 (7.2%) | $703,582 (-6.1%) | 1.37 | 459 |
| 2021-09-01 | $504,500 (-3.7%) | $688,171 (-11.3%) | 1.33 | 508 |
| 2021-10-01 | $500,000 (-10.7%) | $688,911 (-14.8%) | 1.32 | 569 |
| 2021-11-01 | $522,000 (-6.4%) | $705,683 (-13.8%) | 1.38 | 511 |
| 2021-12-01 | $510,000 (-4.7%) | $714,196 (-4.1%) | 1.36 | 425 |
| 2022-01-01 | $549,900 (4.0%) | $745,150 (-1.7%) | 1.47 | 346 |
| 2022-02-01 | $580,000 (13.8%) | $775,328 (-1.3%) | 1.48 | 347 |
| 2022-03-01 | $552,500 (8.9%) | $765,657 (3.7%) | 1.36 | 388 |
| 2022-04-01 | $565,000 (14.8%) | $749,100 (5.9%) | 1.33 | 469 |
| 2022-05-01 | $562,000 (7.1%) | $728,352 (1.3%) | 1.26 | 611 |
| 2022-06-01 | $562,500 (5.8%) | $730,831 (3.2%) | 1.25 | 727 |
MEDFORD's median listing price for 2022-06-01 was $562,500, a difference of
$31,000
(5.8%) versus the prior year and
$500 versus the prior month.
MEDFORD's median listing price comes in at 125% of the national average.
MEDFORD's average listing price for 2022-06-01 was $730,831, a difference of $22,750 (3.2%) versus the prior year and $2,479 versus the prior month.
For the 2022-06-01 period, MEDFORD had 727 MLS listings, a difference of 116 listings (19%) versus the prior month and 338 listings (87%) versus the prior year.
MEDFORD's median listing price comes in at 125% of the national average.
MEDFORD's average listing price for 2022-06-01 was $730,831, a difference of $22,750 (3.2%) versus the prior year and $2,479 versus the prior month.
For the 2022-06-01 period, MEDFORD had 727 MLS listings, a difference of 116 listings (19%) versus the prior month and 338 listings (87%) 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 | 87 days | 1,920 sqft |
| 2018-02-01 | 83 days | 1,924 sqft |
| 2018-03-01 | 68 days | 1,964 sqft |
| 2018-04-01 | 58 days | 1,966 sqft |
| 2018-05-01 | 55 days | 2,007 sqft |
| 2018-06-01 | 54 days | 2,052 sqft |
| 2018-07-01 | 58 days | 2,042 sqft |
| 2018-08-01 | 63 days | 2,015 sqft |
| 2018-09-01 | 77 days | 2,000 sqft |
| 2018-10-01 | 76 days | 1,973 sqft |
| 2018-11-01 | 75 days | 1,990 sqft |
| 2018-12-01 | 85 days | 1,944 sqft |
| 2019-01-01 | 95 days | 1,889 sqft |
| 2019-02-01 | 95 days | 1,903 sqft |
| 2019-03-01 | 69 days | 1,918 sqft |
| 2019-04-01 | 60 days | 1,944 sqft |
| 2019-05-01 | 51 days | 2,011 sqft |
| 2019-06-01 | 54 days | 1,998 sqft |
| 2019-07-01 | 65 days | 1,952 sqft |
| 2019-08-01 | 74 days | 1,936 sqft |
| 2019-09-01 | 80 days | 1,930 sqft |
| 2019-10-01 | 81 days | 1,937 sqft |
| 2019-11-01 | 86 days | 1,948 sqft |
| 2019-12-01 | 90 days | 1,904 sqft |
| 2020-01-01 | 89 days | 1,880 sqft |
| 2020-02-01 | 84 days | 1,861 sqft |
| 2020-03-01 | 56 days | 1,918 sqft |
| 2020-04-01 | 55 days | 1,919 sqft |
| 2020-05-01 | 60 days | 2,065 sqft |
| 2020-06-01 | 65 days | 2,133 sqft |
| 2020-07-01 | 65 days | 2,156 sqft |
| 2020-08-01 | 60 days | 2,128 sqft |
| 2020-09-01 | 62 days | 2,213 sqft |
| 2020-10-01 | 70 days | 2,189 sqft |
| 2020-11-01 | 53 days | 2,151 sqft |
| 2020-12-01 | 58 days | 1,979 sqft |
| 2021-01-01 | 67 days | 1,935 sqft |
| 2021-02-01 | 53 days | 1,896 sqft |
| 2021-03-01 | 43 days | 1,933 sqft |
| 2021-04-01 | 46 days | 1,860 sqft |
| 2021-05-01 | 35 days | 1,904 sqft |
| 2021-06-01 | 41 days | 1,881 sqft |
| 2021-07-01 | 42 days | 1,882 sqft |
| 2021-08-01 | 43 days | 1,863 sqft |
| 2021-09-01 | 46 days | 1,846 sqft |
| 2021-10-01 | 43 days | 1,837 sqft |
| 2021-11-01 | 48 days | 1,865 sqft |
| 2021-12-01 | 57 days | 1,826 sqft |
| 2022-01-01 | 72 days | 1,864 sqft |
| 2022-02-01 | 55 days | 1,924 sqft |
| 2022-03-01 | 40 days | 1,844 sqft |
| 2022-04-01 | 39 days | 1,863 sqft |
| 2022-05-01 | 37 days | 1,860 sqft |
| 2022-06-01 | 42 days | 1,890 sqft |
MEDFORD's median listing age (time on market) for 2022-06-01 was 42 days.
This
is 2%
longer
than the same period one year ago.
MEDFORD's median square footage for active listings during the 2022-06-01 period was 1,890 sqft. One year prior, the average listing was 1,881 sqft.
MEDFORD's median square footage for active listings during the 2022-06-01 period was 1,890 sqft. One year prior, the average listing was 1,881 sqft.
MEDFORD, OR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 4,520 | $1,202,740,000 | $266,093 |
| Home Purchase | 3,970 | $1,481,380,000 | $373,144 |
| Cash Out Refi | 2,959 | $833,395,000 | $281,648 |
| Home Improvement | 613 | $59,825,000 | $97,594 |
| Other | 383 | $48,215,000 | $125,888 |
Medford's most frequently cited loan purpose was Refi, with 4,520 originations. The 2nd most popular reason was Home Purchase, with 3,970 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 5,022 | $1,524,380,000 | $303,540 |
| 2.5-3% | 4,718 | $1,364,580,000 | $289,228 |
| <2.5% | 1,873 | $543,955,000 | $290,419 |
| 4-5% | 488 | $118,360,000 | $242,541 |
| 5-6% | 119 | $14,135,000 | $118,782 |
| 6-7% | 32 | $3,210,000 | $100,313 |
| 7-8% | 28 | $2,920,000 | $104,286 |
| Over 8% | 19 | $3,485,000 | $183,421 |
During 2021, Medford's most frequently originated rate bucket was 3-4%, with 5,022 originations.
Loan Sizing (MEDFORD, OR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 7,009 | $2,010,005,000 | $286,775 |
| $100k-200k | 2,501 | $388,975,000 | $155,528 |
| $400k-600k | 1,621 | $764,415,000 | $471,570 |
| $100,000 or less | 1,013 | $59,455,000 | $58,692 |
| $600k-1000k | 224 | $162,630,000 | $726,027 |
| $Over $1MM | 77 | $240,075,000 | $3,117,857 |
MEDFORD's loan sizing saw the bucket of loans from $200k-400k with 7,009 originations, totaling $2,010,005,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 4,213 | $1,510,815,000 | $358,608 |
| 80-100% | 3,312 | $1,125,870,000 | $339,937 |
| 40-60% | 2,305 | $571,775,000 | $248,059 |
| 20-40% | 1,196 | $191,700,000 | $160,284 |
| Under 20% | 843 | $52,635,000 | $62,438 |
| Over 100% | 100 | $35,330,000 | $353,300 |
MEDFORD's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 4,213 originations, totaling $1,510,815,000 in origination value.
