Ontario Mortgage Rates

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

30 Year Fixed Rate mortgages in Ontario averaged 5.66% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 5.87% and one month ago for the week of 2022-05-26, the average rate was 5.16%.

Ontario's average rate one year ago was 3.23%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.83%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Ontario 30 Year Fixed Rate 2022-06-30 5.66%
Ontario 30 Year Fixed Rate Refi 2022-06-30 5.83%
Ontario 15 Year Fixed Rate 2022-06-30 4.94%
Ontario 15 Year Fixed Rate Refi 2022-06-30 5.21%
Ontario 30 Year FHA 2022-06-30 5.6%
Ontario 30 Year FHA Refi 2022-06-30 5.64%
Ontario 30 Year USDA 2022-06-30 5.52%
Ontario 30 Year USDA Refi 2022-06-30 5.09%
Ontario 30 Year VA 2022-06-30 5.81%
Ontario 30 Year VA Refi 2022-06-30 5.37%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Ontario, OR-ID.

Ontario 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 Ontario, OR-ID 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 131 3.13% $5,866
FIRST COLONY MORTGAGE CORPORATION 108 3.21% $6,475
ACADEMY MORTGAGE CORPORATION 66 3.33% $5,361
GUILD MORTGAGE COMPANY 48 3.27% $5,231
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 44 3.09% $6,563
IDAHO CENTRAL 44 3.14% $5,610
ROGUE 42 3.55% $3,269
PREMIER MORTGAGE RESOURCES, L.L.C. 36 3.29% $5,756
MOVEMENT MORTGAGE, LLC 31 3.13% $4,394
U.S. Bank 29 3.14% $3,817
UNITED WHOLESALE MORTGAGE, LLC 24 3.06% $4,526
LOANDEPOT.COM, LLC 24 3.09% $5,317
D. L. Evans Bank 22 2.87% $6,201
Wells Fargo Bank 22 3.19% $3,619
FINANCE OF AMERICA MORTGAGE LLC 20 3.17% $5,572
Umpqua Bank 18 3.25% $4,143
Flagstar Bank, FSB 17 3.18% $4,727
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 16 3.10% $5,790
KeyBank 15 3.20% $3,352
PRIMELENDING, A PLAINSCAPITAL COMPANY 14 3.46% $5,748
Columbia State Bank 13 3.07% $3,903
HOMEBRIDGE FINANCIAL SERVICES, INC. 12 3.31% $4,472
AMERISAVE MORTGAGE CORPORATION 10 3.03% $3,490
JPMorgan Chase Bank 9 3.05% $3,167
CALIBER HOME LOANS, INC. 9 3.13% $4,804
Gateway First Bank 8 3.25% $3,814
Waterstone Mortgage Corporation 8 3.13% $6,323
FREEDOM MORTGAGE CORPORATION 8 3.31% $3,481
PENNYMAC LOAN SERVICES, LLC 8 3.19% $4,882
PACIFIC RESIDENTIAL MORTGAGE, LLC 8 3.64% $4,956
BROKER SOLUTIONS, INC. 7 3.23% $4,787
S1L, Inc. 7 3.12% $5,459
SUMMIT FUNDING, INC. 7 3.27% $8,839
Willamette Valley Bank 7 3.36% $7,840
NEWREZ LLC 7 3.12% $4,819
PRIMARY RESIDENTIAL MORTGAGE, INC. 6 3.08% $6,681
First Interstate Bank 5 3.30% $4,325
Mr. Cooper ( Nationstar Mortgage ) 5 3.32% $5,138
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 5 3.35% $4,507
AMERICAN PACIFIC MORTGAGE CORPORATION 5 3.05% $6,680
Washington Federal Bank 5 3.33% $3,740
MOUNTAIN AMERICA 5 3.18% $5,822
BETTER MORTGAGE CORPORATION 4 3.06% $2,536
AMCAP MORTGAGE, LTD. 4 3.47% $7,308
CAPITAL EDUCATORS FEDERAL CREDIT UNION 4 3.19% $5,033
CHURCHILL MORTGAGE CORPORATION 4 3.25% $4,768
First Home Bank 4 3.09% $6,233
HOME POINT FINANCIAL CORPORATION 4 3.00% $4,566
HORIZON 4 3.94% $5,837
LEADERONE FINANCIAL CORPORATION 4 2.97% $7,184
Northwest Farm Credit Services, FLCA 4 3.64% $5,792
Wyndham Capital Mortgage, Inc. 4 2.91% $3,004
Zions Bancorporation, N.A. 4 3.03% $2,318
AMERICAN FINANCING CORPORATION 3 3.04% $4,503
PNC Bank 3 3.33% $3,409
AMERICAN FINANCIAL NETWORK, INC. 3 3.17% $7,305
Strong Home Mortgage, LLC 3 2.88% $2,859
Bank of Idaho 3 2.92% $4,539
AXIA FINANCIAL, LLC 3 2.83% $4,874
CANOPY MORTGAGE, LLC 3 3.08% $4,442
ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 3.29% $3,817
STEARNS LENDING, LLC 2 3.06% $5,073
PIONEER 2 3.50% $5,230
Summit Mortgage Corporation 2 2.69% $10,048
Magnolia Bank 2 3.06% $9,429
Bank of England 2 3.25% $5,963
First Savings Bank 2 3.00% $5,044
IDAHO STATE UNIVERSITY 2 2.69% $4,196
North American Savings Bank, F.S.B. 2 3.06% $3,137
GUARANTEED RATE, INC. 2 3.31% $5,580
CALCON MUTUAL MORTGAGE LLC 2 2.75% $5,559
GSF Mortgage Corporation 2 3.25% $11,749
CROSSCOUNTRY MORTGAGE, LLC 2 3.06% $6,392
CMG MORTGAGE, INC. 2 3.00% $8,666
BAY EQUITY LLC 2 3.44% $4,480
MUTUAL OF OMAHA MORTGAGE, INC. 2 2.88% $3,593
ROYAL UNITED MORTGAGE LLC 2 3.13% $6,606
Nations Lending Corporation 2 2.81% $6,575
LAKEVIEW LOAN SERVICING, LLC 2 3.94% $5,526
OREGONIANS CREDIT UNION 1 3.25% $4,146
Chicago Mortgage Solutions LLC 1 2.99% $4,664
CENTENNIAL LENDING, LLC 1 2.63% $6,284
PLANET HOME LENDING, LLC 1 3.38% $6,281
Potlatch No. 1 Financial Credit Union 1 3.00% $3,931
PREMIA MORTGAGE, LLC 1 2.88% $0
Prosperity Home Mortgage, LLC 1 3.00% $2,721
PROVIDENT FUNDING ASSOCIATES, L.P. 1 2.75% $2,620
RELIANCE FIRST CAPITAL, LLC 1 2.88% $4,359
Banner Bank 1 4.50% $10,627
Bank of the West 1 3.63% $3,062
SELCO COMMUNITY 1 2.88% $2,982
Stifel Bank and Trust 1 3.00% $2,702
Texana Bank 1 2.88% $4,257
Washington Trust Bank 1 3.00% $3,910
First Guaranty Mortgage Corporation 1 3.13% $3,314
GENEVA FINANCIAL, LLC 1 3.75% $5,076
Glacier Bank 1 2.88% $6,733
Goldwater Bank, N.A. 1 3.25% $4,600
Carrington Mortgage Services, LLC 1 2.88% $4,473
GUARANTY HOME MORTGAGE CORPORATION 1 3.25% $3,408
First Federal Savings Bank of Twin Falls 1 3.38% $6,883
FIRST COMMUNITY MORTGAGE, INC. 1 3.00% $3,656
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 3.75% $4,018
HOMESIDE FINANCIAL, LLC 1 3.13% $4,042
HomeStreet Bank 1 3.13% $3,028
HOMEXPRESS MORTGAGE CORP. 1 3.75% $12,425
ADVANTIS 1 2.88% $3,175
FIRST COMMUNITY 1 3.25% $2,816
InterContinental Capital Group, Inc 1 3.38% $3,753
JMAC LENDING, INC. 1 2.50% $4,574
Eagle Bank and Trust Company 1 3.38% $4,075
DIRECTORS MORTGAGE, INC. 1 3.25% $9,133
LADERA LENDING, INC. 1 3.50% $9,942
WESTMARK Credit Union 1 3.00% $7,417
Deere Employees Credit Union 1 2.00% $5,547
LOANPAL, LLC 1 2.99% $6,953
MANN FINANCIAL INC. 1 3.25% $4,008
Citizens Bank 1 2.75% $6,224
NBKC BANK 1 2.88% $2,685
NETWORK CAPITAL FUNDING CORPORATION 1 3.38% $4,436
Citadel Servicing Corporation 1 4.13% $7,295
ACCELERATE MORTGAGE, LLC 1 2.88% $9,949
NP, Inc. 1 3.63% $4,698
Operating Engineers Local Union #3 1 2.88% $4,011

Ontario, OR-ID's 124 lenders originated 2,509 loans during 2021. The total origination value was $554,155,000, with an average loan value of $220,867.

The top Ontario lender as defined by loan originations is QUICKEN LOANS, LLC, with 131 loans originated. Their average total fees are $5,866, which is $608 lower than the next largest lender, FIRST COLONY MORTGAGE CORPORATION.

The lowest fee Ontario lenders (with over 10 loans originated) are ROGUE ($3,269), KeyBank ($3,352), AMERISAVE MORTGAGE CORPORATION ($3,490), Wells Fargo Bank ($3,619) and U.S. Bank ($3,817).

The lowest rate Ontario lenders (with over 10 loans originated) are D. L. Evans Bank (2.87%), AMERISAVE MORTGAGE CORPORATION (3.03%), UNITED WHOLESALE MORTGAGE, LLC (3.06%), Columbia State Bank (3.07%) and LOANDEPOT.COM, LLC (3.09%).

Ontario, OR-ID Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $35,545,000 $48,945,000 37.7% 8.8%
ACADEMY MORTGAGE CORPORATION $40,260,000 $48,150,000 19.6% 8.7%
FIRST COLONY MORTGAGE CORPORATION $32,955,000 $41,875,000 27.1% 7.6%
IDAHO CENTRAL $18,480,000 $26,235,000 42.0% 4.7%
ROGUE $21,675,000 n/a 3.9%
GUILD MORTGAGE COMPANY $18,340,000 $18,070,000 -1.5% 3.3%
PREMIER MORTGAGE RESOURCES, L.L.C. $6,210,000 $17,015,000 174.0% 3.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $12,500,000 $16,790,000 34.3% 3.0%
D. L. Evans Bank $10,000,000 $14,705,000 47.1% 2.7%
U.S. Bank $13,230,000 $14,135,000 6.8% 2.6%
Columbia State Bank $5,470,000 $13,425,000 145.4% 2.4%
MOVEMENT MORTGAGE, LLC $7,445,000 $12,265,000 64.7% 2.2%
FREEDOM MORTGAGE CORPORATION $13,170,000 $11,905,000 -9.6% 2.1%
LOANDEPOT.COM, LLC $6,685,000 $11,855,000 77.3% 2.1%
UNITED WHOLESALE MORTGAGE, LLC $4,090,000 $10,100,000 146.9% 1.8%
Umpqua Bank $6,565,000 $8,820,000 34.3% 1.6%
FINANCE OF AMERICA MORTGAGE LLC $8,065,000 $8,815,000 9.3% 1.6%
Wells Fargo Bank $3,520,000 $7,870,000 123.6% 1.4%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $6,745,000 $7,385,000 9.5% 1.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $6,855,000 $7,340,000 7.1% 1.3%
Flagstar Bank, FSB $5,140,000 $6,850,000 33.3% 1.2%
KeyBank $4,355,000 $6,295,000 44.5% 1.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,590,000 $5,580,000 250.9% 1.0%
Zions Bancorporation, N.A. $6,390,000 $5,075,000 -20.6% 0.9%
AMERISAVE MORTGAGE CORPORATION $1,645,000 $4,975,000 202.4% 0.9%
First Interstate Bank $1,540,000 $4,805,000 212.0% 0.9%
PENNYMAC LOAN SERVICES, LLC $2,795,000 $4,655,000 66.5% 0.8%
Mortgage Research Center, LLC $5,045,000 $4,275,000 -15.3% 0.8%
Willamette Valley Bank $3,540,000 $4,230,000 19.5% 0.8%
AMERICAN PACIFIC MORTGAGE CORPORATION $760,000 $3,905,000 413.8% 0.7%
Washington Federal Bank $2,270,000 $3,880,000 70.9% 0.7%
PACIFIC RESIDENTIAL MORTGAGE, LLC $4,525,000 $3,775,000 -16.6% 0.7%
NEWREZ LLC $3,205,000 $3,700,000 15.4% 0.7%
Gateway First Bank $2,560,000 $3,535,000 38.1% 0.6%
S1L, Inc. $1,715,000 $3,515,000 105.0% 0.6%
CALIBER HOME LOANS, INC. $4,025,000 $3,435,000 -14.7% 0.6%
Solarity Credit Union $905,000 $3,365,000 271.8% 0.6%
BROKER SOLUTIONS, INC. $670,000 $3,295,000 391.8% 0.6%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,365,000 $3,275,000 139.9% 0.6%
JPMorgan Chase Bank $1,080,000 $3,025,000 180.1% 0.5%
Waterstone Mortgage Corporation $1,550,000 $3,020,000 94.8% 0.5%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,930,000 $2,880,000 49.2% 0.5%
SUMMIT FUNDING, INC. $2,720,000 $2,630,000 -3.3% 0.5%
MOUNTAIN AMERICA $1,330,000 $2,620,000 97.0% 0.5%
LAKEVIEW LOAN SERVICING, LLC $910,000 $2,475,000 172.0% 0.4%
AMCAP MORTGAGE, LTD. $960,000 $2,445,000 154.7% 0.4%
CHURCHILL MORTGAGE CORPORATION $1,250,000 $2,140,000 71.2% 0.4%
CASTLE & COOKE MORTGAGE, LLC $1,925,000 $1,920,000 -0.3% 0.3%
BETTER MORTGAGE CORPORATION $320,000 $1,820,000 468.8% 0.3%
ORIX REAL ESTATE CAPITAL, LLC $1,805,000 n/a 0.3%
LEADERONE FINANCIAL CORPORATION $1,770,000 n/a 0.3%
Mr. Cooper ( Nationstar Mortgage ) $2,890,000 $1,745,000 -39.6% 0.3%
Bank of England $320,000 $1,735,000 442.2% 0.3%
CAPITAL EDUCATORS FEDERAL CREDIT UNION $1,565,000 $1,730,000 10.5% 0.3%
Wyndham Capital Mortgage, Inc. $275,000 $1,730,000 529.1% 0.3%
HOME POINT FINANCIAL CORPORATION $85,000 $1,670,000 1,864.7% 0.3%
CLEARPATH LENDING $1,230,000 $1,660,000 35.0% 0.3%
CMG MORTGAGE, INC. $655,000 $1,585,000 142.0% 0.3%
AMERICAN FINANCING CORPORATION $1,020,000 $1,570,000 53.9% 0.3%
Glacier Bank $390,000 $1,515,000 288.5% 0.3%
Bank of the West $845,000 $1,430,000 69.2% 0.3%
AXIA FINANCIAL, LLC $905,000 $1,395,000 54.1% 0.3%
HORIZON $315,000 $1,380,000 338.1% 0.2%
NEW DAY FINANCIAL, LLC $1,980,000 $1,375,000 -30.6% 0.2%
Low VA Rates, LLC $875,000 $1,370,000 56.6% 0.2%
First Home Bank $1,445,000 $1,365,000 -5.5% 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,195,000 $1,350,000 13.0% 0.2%
Carrington Mortgage Services, LLC $1,185,000 $1,340,000 13.1% 0.2%
Northwest Farm Credit Services, FLCA $2,575,000 $1,280,000 -50.3% 0.2%
NBKC BANK $1,245,000 n/a 0.2%
SECURITYNATIONAL MORTGAGE COMPANY $325,000 $1,210,000 272.3% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $1,980,000 $1,205,000 -39.1% 0.2%
Strong Home Mortgage, LLC $1,195,000 n/a 0.2%
Summit Mortgage Corporation $1,080,000 $1,195,000 10.6% 0.2%
GUARANTEED RATE, INC. $1,975,000 $1,150,000 -41.8% 0.2%
Bank of Idaho $285,000 $1,090,000 282.5% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $1,960,000 $1,070,000 -45.4% 0.2%
CANOPY MORTGAGE, LLC $1,010,000 n/a 0.2%
NAVY FEDERAL CREDIT UNION $790,000 $1,000,000 26.6% 0.2%
BNC National Bank $365,000 $995,000 172.6% 0.2%
BAY EQUITY LLC $235,000 $955,000 306.4% 0.2%
Nations Lending Corporation $1,105,000 $935,000 -15.4% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $2,705,000 $930,000 -65.6% 0.2%
AMERICAN ADVISORS GROUP $950,000 $920,000 -3.2% 0.2%
Idaho First Bank $235,000 $905,000 285.1% 0.2%
The Federal Savings Bank $570,000 $875,000 53.5% 0.2%
FINANCE OF AMERICA REVERSE LLC $190,000 $865,000 355.3% 0.2%
PIONEER $595,000 $855,000 43.7% 0.2%
WESTMARK Credit Union $1,050,000 $830,000 -21.0% 0.1%
PLANET HOME LENDING, LLC $985,000 $815,000 -17.3% 0.1%
Magnolia Bank $700,000 $805,000 15.0% 0.1%
LOANPAL, LLC $310,000 $740,000 138.7% 0.1%
North American Savings Bank, F.S.B. $1,460,000 $740,000 -49.3% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $865,000 $735,000 -15.0% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $925,000 $705,000 -23.8% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $655,000 n/a 0.1%
GSF Mortgage Corporation $640,000 n/a 0.1%
GENEVA FINANCIAL, LLC $1,320,000 $575,000 -56.4% 0.1%
USAA Federal Savings Bank $2,745,000 $575,000 -79.1% 0.1%
Deere Employees Credit Union $570,000 n/a 0.1%
First Federal Savings Bank of Twin Falls $745,000 $560,000 -24.8% 0.1%
CALCON MUTUAL MORTGAGE LLC $805,000 $550,000 -31.7% 0.1%
First Guaranty Mortgage Corporation $485,000 $550,000 13.4% 0.1%
LADERA LENDING, INC. $525,000 n/a 0.1%
Commerce Home Mortgage, Inc. $245,000 $520,000 112.2% 0.1%
Eagle Bank and Trust Company $375,000 $475,000 26.7% 0.1%
HomeStreet Bank $505,000 $470,000 -6.9% 0.1%
Banner Bank $1,525,000 $465,000 -69.5% 0.1%
First Savings Bank $600,000 $460,000 -23.3% 0.1%
RANLIFE, INC. $800,000 $455,000 -43.1% 0.1%
NATIONS DIRECT MORTGAGE, LLC $205,000 $450,000 119.5% 0.1%
SUMMIT MORTGAGE CORPORATION $1,610,000 $440,000 -72.7% 0.1%
PNC Bank $325,000 $425,000 30.8% 0.1%
HOMEXPRESS MORTGAGE CORP. $395,000 n/a 0.1%
Washington Trust Bank $215,000 $395,000 83.7% 0.1%
LONGBRIDGE FINANCIAL, LLC $390,000 n/a 0.1%
AMERICA FIRST $370,000 n/a 0.1%
IDAHO STATE UNIVERSITY $370,000 n/a 0.1%
Discover Bank $365,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $275,000 $355,000 29.1% 0.1%
Meridian Bank Corporation $355,000 n/a 0.1%
SOUTHWEST STAGE FUNDING, LLC $115,000 $355,000 208.7% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $255,000 $350,000 37.3% 0.1%
OPEN MORTGAGE, LLC $350,000 n/a 0.1%
STEARNS LENDING, LLC $325,000 $330,000 1.5% 0.1%
DIRECTORS MORTGAGE, INC. $325,000 n/a 0.1%
ACCELERATE MORTGAGE, LLC $305,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $240,000 $295,000 22.9% 0.1%
PREMIA MORTGAGE, LLC $85,000 $285,000 235.3% 0.1%
Ixonia Bank $275,000 n/a 0.0%
Chicago Mortgage Solutions LLC $265,000 n/a 0.0%
InterContinental Capital Group, Inc $370,000 $265,000 -28.4% 0.0%
21ST MORTGAGE CORPORATION $110,000 $260,000 136.4% 0.0%
FIRST TECHNOLOGY $435,000 $260,000 -40.2% 0.0%
First Mortgage Solutions, LLC $255,000 n/a 0.0%
Bank of America $855,000 $245,000 -71.3% 0.0%
Bank of Utah $245,000 n/a 0.0%
CENTENNIAL LENDING, LLC $245,000 n/a 0.0%
Citadel Servicing Corporation $245,000 n/a 0.0%
SELCO COMMUNITY $245,000 n/a 0.0%
Citizens Bank $235,000 n/a 0.0%
REVERSE MORTGAGE FUNDING LLC $185,000 $235,000 27.0% 0.0%
NP, Inc. $225,000 n/a 0.0%
Plains Commerce Bank $225,000 n/a 0.0%
Prosperity Home Mortgage, LLC $215,000 n/a 0.0%
SPRING EQ, LLC $25,000 $215,000 760.0% 0.0%
Operating Engineers Local Union #3 $205,000 n/a 0.0%
GUARANTY HOME MORTGAGE CORPORATION $195,000 n/a 0.0%
HOMEOWNERS FINANCIAL GROUP USA, LLC $195,000 n/a 0.0%
MANN FINANCIAL INC. $95,000 $195,000 105.3% 0.0%
MORTGAGE EXPRESS, LLC $195,000 n/a 0.0%
PHH Mortgage Corporation $260,000 $190,000 -26.9% 0.0%
JMAC LENDING, INC. $185,000 n/a 0.0%
Texana Bank $225,000 $185,000 -17.8% 0.0%
Figure Lending LLC $180,000 n/a 0.0%
Northpointe Bank $315,000 $175,000 -44.4% 0.0%
HOMESIDE FINANCIAL, LLC $245,000 $165,000 -32.7% 0.0%
KELLER MORTGAGE, LLC $410,000 $165,000 -59.8% 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $275,000 $165,000 -40.0% 0.0%
Stifel Bank and Trust $185,000 $165,000 -10.8% 0.0%
Goldwater Bank, N.A. $135,000 $155,000 14.8% 0.0%
OREGONIANS CREDIT UNION $155,000 n/a 0.0%
Potlatch No. 1 Financial Credit Union $745,000 $155,000 -79.2% 0.0%
ADVANTIS $145,000 n/a 0.0%
FIRST COMMUNITY MORTGAGE, INC. $145,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $375,000 $145,000 -61.3% 0.0%
PENTAGON FEDERAL CREDIT UNION $35,000 $135,000 285.7% 0.0%
MUFG Union Bank $125,000 n/a 0.0%
Blue Ridge Bank $115,000 n/a 0.0%
NETWORK CAPITAL FUNDING CORPORATION $115,000 n/a 0.0%
American Airlines Federal Credit Union $105,000 n/a 0.0%
Arvest Bank $105,000 n/a 0.0%
RELIANCE FIRST CAPITAL, LLC $85,000 n/a 0.0%
FIRST COMMUNITY $75,000 n/a 0.0%
Citibank $65,000 n/a 0.0%
STAR USA FEDERAL CREDIT UNION $65,000 n/a 0.0%
Manufacturers and Traders Trust Company $55,000 n/a 0.0%

Ontario's top lender by overall market share is QUICKEN LOANS, LLC, with 8.8% market share. In second place, with 8.7%, is ACADEMY MORTGAGE CORPORATION, having originated $48,150,000 in loans. In third place, with 7.6%, is FIRST COLONY MORTGAGE CORPORATION, having originated $41,875,000 in loans. In third place, with 4.7%, is IDAHO CENTRAL, having originated $26,235,000 in loans. In third place, with 3.9%, is ROGUE, having originated $21,675,000 in loans.


Ontario, OR-ID Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 880 $240,560,000 $273,364
Cash Out Refi 731 $157,895,000 $215,999
Refi 699 $135,075,000 $193,240
Home Improvement 129 $13,035,000 $101,047
Other 70 $7,590,000 $108,429

Ontario's most frequently cited loan purpose was Home Purchase, with 880 originations. The 2nd most popular reason was Cash Out Refi, with 731 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,048 $249,140,000 $237,729
2.5-3% 880 $203,040,000 $230,727
<2.5% 403 $82,345,000 $204,330
4-5% 134 $15,760,000 $117,612
5-6% 17 $965,000 $56,765
6-7% 11 $1,025,000 $93,182
7-8% 5 $415,000 $83,000
Over 8% 4 $290,000 $72,500

During 2021, Ontario's most frequently originated rate bucket was 3-4%, with 1,048 originations.

Loan Sizing (Ontario, OR-ID MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,065 $292,455,000 $274,606
$100k-200k 900 $135,960,000 $151,067
$100,000 or less 369 $20,295,000 $55,000
$400k-600k 159 $74,625,000 $469,340
$600k-1000k 8 $6,570,000 $821,250
$Over $1MM 8 $24,250,000 $3,031,250

Ontario's loan sizing saw the bucket of loans from $200k-400k with 1,065 originations, totaling $292,455,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 778 $200,320,000 $257,481
80-100% 700 $190,970,000 $272,814
40-60% 507 $95,675,000 $188,708
20-40% 252 $30,390,000 $120,595
Under 20% 184 $7,010,000 $38,098
Over 100% 18 $16,880,000 $937,778

Ontario's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 778 originations, totaling $200,320,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Ontario (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 $179,900 (16.6%) $253,147 (16.4%) 0.00 161
2018-02-01 $179,950 (17.1%) $255,383 (19.1%) 0.00 144
2018-03-01 $189,999 (15.3%) $266,321 (18.2%) 0.00 124
2018-04-01 $196,950 (15.9%) $266,455 (18.3%) 0.00 122
2018-05-01 $198,250 (15.6%) $263,732 (15.2%) 0.00 131
2018-06-01 $209,000 (16.4%) $281,686 (20.6%) 0.00 148
2018-07-01 $220,000 (18.9%) $296,968 (20.4%) 0.00 151
2018-08-01 $225,500 (27.2%) $293,699 (16.5%) 0.00 154
2018-09-01 $249,999 (47.1%) $289,764 (20.3%) 0.00 148
2018-10-01 $265,450 (56.4%) $293,310 (27.9%) 0.00 141
2018-11-01 $265,000 (51.7%) $288,989 (21.6%) 0.00 134
2018-12-01 $265,000 (47.3%) $333,649 (27.9%) 0.00 134
2019-01-01 $274,950 (52.8%) $350,613 (38.5%) 0.00 125
2019-02-01 $249,500 (38.7%) $300,599 (17.7%) 0.00 114
2019-03-01 $249,571 (31.4%) $307,367 (15.4%) 0.00 124
2019-04-01 $257,071 (30.5%) $327,992 (23.1%) 0.00 128
2019-05-01 $262,500 (32.4%) $349,739 (32.6%) 0.00 119
2019-06-01 $250,000 (19.6%) $343,802 (22.1%) 0.00 113
2019-07-01 $247,500 (12.5%) $326,034 (9.8%) 0.00 131
2019-08-01 $249,957 (10.9%) $326,044 (11.0%) 0.00 121
2019-09-01 $249,700 (-0.1%) $321,871 (11.1%) 0.00 121
2019-10-01 $249,700 (-5.9%) $314,414 (7.2%) 0.00 130
2019-11-01 $249,500 (-5.9%) $313,688 (8.6%) 0.00 118
2019-12-01 $257,000 (-3.0%) $330,233 (-1.0%) 0.00 99
2020-01-01 $284,825 (3.6%) $363,711 (3.7%) 0.00 76
2020-02-01 $267,900 (7.4%) $339,033 (12.8%) 0.00 82
2020-03-01 $266,450 (6.8%) $332,358 (8.1%) 0.00 93
2020-04-01 $263,450 (2.5%) $312,508 (-4.7%) 0.00 96
2020-05-01 $267,900 (2.1%) $316,919 (-9.4%) 0.00 81
2020-06-01 $305,950 (22.4%) $383,262 (11.5%) 0.00 68
2020-07-01 $337,500 (36.4%) $417,973 (28.2%) 0.00 60
2020-08-01 $354,999 (42.0%) $410,103 (25.8%) 0.00 56
2020-09-01 $370,000 (48.2%) $436,409 (35.6%) 0.00 47
2020-10-01 $299,000 (19.7%) $403,462 (28.3%) 0.00 57
2020-11-01 $379,950 (52.3%) $467,368 (49.0%) 0.00 50
2020-12-01 $332,500 (29.4%) $413,981 (25.4%) 0.00 41
2021-01-01 $299,000 (5.0%) $395,463 (8.7%) 0.00 35
2021-02-01 $307,450 (14.8%) $406,638 (19.9%) 0.00 36
2021-03-01 $324,500 (21.8%) $413,263 (24.3%) 0.00 34
2021-04-01 $387,500 (47.1%) $438,218 (40.2%) 0.00 37
2021-05-01 $369,000 (37.7%) $434,133 (37.0%) 0.00 43
2021-06-01 $359,950 (17.7%) $441,733 (15.3%) 0.00 59
2021-07-01 $386,950 (14.7%) $443,295 (6.1%) 0.00 76
2021-08-01 $380,000 (7.0%) $448,824 (9.4%) 0.00 92
2021-09-01 $404,950 (9.5%) $459,025 (5.2%) 0.00 101
2021-10-01 $398,900 (33.4%) $466,936 (15.7%) 0.00 114
2021-11-01 $417,450 (9.9%) $499,952 (7.0%) 0.00 90
2021-12-01 $415,000 (24.8%) $507,202 (22.5%) 0.00 81
2022-01-01 $430,000 (43.8%) $512,558 (29.6%) 0.00 65
2022-02-01 $436,500 (42.0%) $474,684 (16.7%) 0.00 63
2022-03-01 $435,050 (34.1%) $526,068 (27.3%) 0.00 66
2022-04-01 $449,000 (15.9%) $608,893 (39.0%) 0.00 75
2022-05-01 $450,000 (22.0%) $628,611 (44.8%) 0.00 99
2022-06-01 $426,500 (18.5%) $572,919 (29.7%) 0.00 142
Ontario's median listing price for 2022-06-01 was $426,500, a difference of $66,550 (18.5%) versus the prior year and $-23,500 versus the prior month.

Ontario's median listing price comes in at 0% of the national average.

Ontario's average listing price for 2022-06-01 was $572,919, a difference of $131,186 (29.7%) versus the prior year and $-55,692 versus the prior month.

For the 2022-06-01 period, Ontario had 142 MLS listings, a difference of 43 listings (43%) versus the prior month and 83 listings (141%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Ontario (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,719 sqft
2018-02-01 0 days 1,701 sqft
2018-03-01 0 days 1,657 sqft
2018-04-01 0 days 1,818 sqft
2018-05-01 0 days 1,758 sqft
2018-06-01 0 days 1,774 sqft
2018-07-01 0 days 1,786 sqft
2018-08-01 0 days 1,888 sqft
2018-09-01 0 days 1,901 sqft
2018-10-01 0 days 2,005 sqft
2018-11-01 0 days 1,949 sqft
2018-12-01 0 days 1,928 sqft
2019-01-01 0 days 1,894 sqft
2019-02-01 0 days 1,858 sqft
2019-03-01 0 days 1,847 sqft
2019-04-01 0 days 1,847 sqft
2019-05-01 0 days 1,848 sqft
2019-06-01 0 days 1,842 sqft
2019-07-01 0 days 1,845 sqft
2019-08-01 0 days 1,874 sqft
2019-09-01 0 days 1,889 sqft
2019-10-01 0 days 1,895 sqft
2019-11-01 0 days 1,899 sqft
2019-12-01 0 days 1,914 sqft
2020-01-01 0 days 1,967 sqft
2020-02-01 0 days 1,888 sqft
2020-03-01 0 days 1,753 sqft
2020-04-01 0 days 1,728 sqft
2020-05-01 0 days 1,737 sqft
2020-06-01 0 days 2,103 sqft
2020-07-01 0 days 2,366 sqft
2020-08-01 0 days 2,321 sqft
2020-09-01 0 days 2,309 sqft
2020-10-01 0 days 1,930 sqft
2020-11-01 0 days 2,393 sqft
2020-12-01 0 days 2,024 sqft
2021-01-01 0 days 1,974 sqft
2021-02-01 0 days 1,800 sqft
2021-03-01 0 days 1,721 sqft
2021-04-01 0 days 1,959 sqft
2021-05-01 0 days 1,850 sqft
2021-06-01 0 days 1,910 sqft
2021-07-01 0 days 1,886 sqft
2021-08-01 0 days 1,922 sqft
2021-09-01 0 days 1,819 sqft
2021-10-01 0 days 1,850 sqft
2021-11-01 0 days 1,907 sqft
2021-12-01 0 days 2,014 sqft
2022-01-01 0 days 1,929 sqft
2022-02-01 0 days 1,886 sqft
2022-03-01 0 days 1,837 sqft
2022-04-01 0 days 1,890 sqft
2022-05-01 0 days 1,874 sqft
2022-06-01 0 days 1,869 sqft
Ontario's median listing age (time on market) for 2022-06-01 was 0 days.

Ontario's median square footage for active listings during the 2022-06-01 period was 1,869 sqft. One year prior, the average listing was 1,910 sqft.