Prineville Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Prineville averaged
6.89%
for the week of 2025-07-17, compared to the national average of
6.75% for the same period.
The average rate for the prior week (2025-07-10) was
6.46% and
one month ago for the week of 2025-06-12, the
average rate was 6.58%.
Prineville's average rate one year ago was 7.03%.
For refis of the same type during the week of 2025-07-17, the average rate
was 7.35%.
Prineville 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 Prineville, 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.).
Prineville Average Closing Costs & Other Stats
Prineville, OR's 68 lenders originated 729
loans during 2024. The total origination value was $229,975,000, with an average loan value of
$315,466.
Prineville's average closing costs are $7,201.
The top Prineville lender as defined by loan originations is GUILD MORTGAGE COMPANY, with
27 loans originated. Their average total fees are
$9,443, which is $1,078
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Prineville lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($3,303), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($6,647), QUICKEN LOANS, LLC ($8,365), GUILD MORTGAGE COMPANY ($9,443) and UNITED WHOLESALE MORTGAGE, LLC ($9,832).
The lowest rate Prineville lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.66%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.49%), QUICKEN LOANS, LLC (6.56%), UNITED WHOLESALE MORTGAGE, LLC (6.61%) and GUILD MORTGAGE COMPANY (6.64%).
Prineville, 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 |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | $15,655,000 | $22,835,000 | 45.9% | 9.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $9,730,000 | $15,070,000 | 54.9% | 6.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $4,005,000 | $11,500,000 | 187.1% | 5.0% |
| Mid Oregon Federal Credit Union | $10,190,000 | $11,125,000 | 9.2% | 4.8% |
| DHI MORTGAGE COMPANY, LTD. | $8,965,000 | $9,195,000 | 2.6% | 4.0% |
| U.S. Bank | $4,480,000 | $8,960,000 | 100.0% | 3.9% |
| The Loan Store, Inc. | $2,085,000 | $7,890,000 | 278.4% | 3.4% |
| CHURCHILL MORTGAGE CORPORATION | $3,710,000 | $6,365,000 | 71.6% | 2.8% |
| QUICKEN LOANS, LLC | $11,370,000 | $6,335,000 | -44.3% | 2.8% |
| NEWREZ LLC | $2,110,000 | $5,940,000 | 181.5% | 2.6% |
| LOANDEPOT.COM, LLC | $5,975,000 | $5,615,000 | -6.0% | 2.4% |
| Umpqua Bank | $5,780,000 | $5,215,000 | -9.8% | 2.3% |
| OnPoint Community Credit Union | $3,810,000 | $5,205,000 | 36.6% | 2.3% |
| NATIONS DIRECT MORTGAGE, LLC | $1,510,000 | $4,745,000 | 214.2% | 2.1% |
| CMG MORTGAGE, INC. | $2,820,000 | $4,485,000 | 59.0% | 2.0% |
| Washington Federal Bank | $6,215,000 | $4,365,000 | -29.8% | 1.9% |
| FREEDOM MORTGAGE CORPORATION | $1,500,000 | $3,535,000 | 135.7% | 1.5% |
| Mortgage Research Center, LLC | $4,310,000 | $3,335,000 | -22.6% | 1.5% |
| GUARANTEED RATE, INC. | $2,240,000 | $3,220,000 | 43.8% | 1.4% |
| First Interstate Bank | $1,440,000 | $2,990,000 | 107.6% | 1.3% |
| EAGLE HOME MORTGAGE, LLC | $2,940,000 | n/a | 1.3% | |
| Flagstar Bank, FSB | $2,125,000 | $2,795,000 | 31.5% | 1.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,105,000 | $2,545,000 | 130.3% | 1.1% |
| Zions Bank | $2,485,000 | n/a | 1.1% | |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $6,765,000 | $2,370,000 | -65.0% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $1,860,000 | $2,235,000 | 20.2% | 1.0% |
| BROKER SOLUTIONS, INC. | $1,055,000 | $2,180,000 | 106.6% | 0.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $4,650,000 | $1,925,000 | -58.6% | 0.8% |
| LEADERONE FINANCIAL CORPORATION | $1,680,000 | $1,730,000 | 3.0% | 0.8% |
| FIRST COMMUNITY | $815,000 | $1,650,000 | 102.5% | 0.7% |
| JPMorgan Chase Bank | $1,765,000 | $1,630,000 | -7.6% | 0.7% |
| PLAZA HOME MORTGAGE, INC. | $1,630,000 | n/a | 0.7% | |
| Banner Bank | $1,910,000 | $1,620,000 | -15.2% | 0.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,600,000 | n/a | 0.7% | |
| SELCO COMMUNITY | $2,760,000 | $1,590,000 | -42.4% | 0.7% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $1,555,000 | n/a | 0.7% | |
| Washington Trust Bank | $1,520,000 | n/a | 0.7% | |
| LPMC, LLC | $1,280,000 | $1,500,000 | 17.2% | 0.7% |
| FIRST TECHNOLOGY | $2,115,000 | $1,460,000 | -31.0% | 0.6% |
| Bank of America | $1,210,000 | $1,385,000 | 14.5% | 0.6% |
| Morgan Stanley Private Bank | $2,005,000 | $1,345,000 | -32.9% | 0.6% |
| TWINSTAR | $85,000 | $1,345,000 | 1,482.4% | 0.6% |
| Century Mortgage Company DBA Century Lending Company | $305,000 | $1,265,000 | 314.8% | 0.6% |
| MEMBER FIRST MORTGAGE, LLC | $1,140,000 | n/a | 0.5% | |
| NuVision Federal Credit Union | $1,110,000 | n/a | 0.5% | |
| S1L, Inc. | $305,000 | $1,105,000 | 262.3% | 0.5% |
| Wells Fargo Bank | $690,000 | $1,090,000 | 58.0% | 0.5% |
| CANOPY MORTGAGE, LLC | $1,430,000 | $950,000 | -33.6% | 0.4% |
| MOVEMENT MORTGAGE, LLC | $5,645,000 | $950,000 | -83.2% | 0.4% |
| PLANET HOME LENDING, LLC | $950,000 | n/a | 0.4% | |
| OCMBC, INC. | $905,000 | n/a | 0.4% | |
| OREGONIANS CREDIT UNION | $1,700,000 | $890,000 | -47.6% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $380,000 | $870,000 | 128.9% | 0.4% |
| OREGON COMMUNITY | $735,000 | $820,000 | 11.6% | 0.4% |
| Plains Commerce Bank | $820,000 | n/a | 0.4% | |
| AMERICAN FINANCING CORPORATION | $65,000 | $810,000 | 1,146.2% | 0.4% |
| Northwest Farm Credit Services, FLCA | $205,000 | $805,000 | 292.7% | 0.4% |
| SUMMIT FUNDING, INC. | $745,000 | $780,000 | 4.7% | 0.3% |
| 21ST MORTGAGE CORPORATION | $420,000 | $760,000 | 81.0% | 0.3% |
| UBS Bank USA | $745,000 | n/a | 0.3% | |
| Prosperity Home Mortgage, LLC | $740,000 | n/a | 0.3% | |
| Commerce Home Mortgage, Inc. | $705,000 | n/a | 0.3% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $295,000 | $695,000 | 135.6% | 0.3% |
| The Federal Savings Bank | $690,000 | n/a | 0.3% | |
| Golden Empire Mortgage, Inc. | $2,425,000 | $670,000 | -72.4% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $660,000 | n/a | 0.3% | |
| ENVOY MORTGAGE, LTD | $635,000 | n/a | 0.3% | |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $480,000 | $625,000 | 30.2% | 0.3% |
| PHH Mortgage Corporation | $530,000 | $555,000 | 4.7% | 0.2% |
| GENEVA FINANCIAL, LLC | $455,000 | $540,000 | 18.7% | 0.2% |
| Summit Mortgage Corporation | $535,000 | n/a | 0.2% | |
| 1st Security Bank of Washington | $865,000 | $525,000 | -39.3% | 0.2% |
| Discover Bank | $160,000 | $520,000 | 225.0% | 0.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $515,000 | n/a | 0.2% | |
| USAA Federal Savings Bank | $515,000 | n/a | 0.2% | |
| Figure Lending LLC | $365,000 | $510,000 | 39.7% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $760,000 | $505,000 | -33.6% | 0.2% |
| Coastal Community Bank | $285,000 | $500,000 | 75.4% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $465,000 | n/a | 0.2% | |
| ALLIANT CREDIT UNION | $385,000 | $460,000 | 19.5% | 0.2% |
| First Federal Bank | $455,000 | n/a | 0.2% | |
| Paramount Residential Mortgage Group, Inc. | $455,000 | n/a | 0.2% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,095,000 | $455,000 | -58.4% | 0.2% |
| SUMMIT MORTGAGE CORPORATION | $515,000 | $455,000 | -11.7% | 0.2% |
| Northpointe Bank | $1,990,000 | $445,000 | -77.6% | 0.2% |
| INTERCAP LENDING INC. | $435,000 | n/a | 0.2% | |
| CASTPARTS EMPLOYEES | $405,000 | n/a | 0.2% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $55,000 | $405,000 | 636.4% | 0.2% |
| A&D Mortgage LLC | $395,000 | n/a | 0.2% | |
| NAVY FEDERAL CREDIT UNION | $370,000 | $395,000 | 6.8% | 0.2% |
| MOUNTAIN AMERICA | $435,000 | $375,000 | -13.8% | 0.2% |
| LONGBRIDGE FINANCIAL, LLC | $360,000 | n/a | 0.2% | |
| LENDSURE MORTGAGE CORP. | $325,000 | n/a | 0.1% | |
| STAR ONE CREDIT UNION | $315,000 | n/a | 0.1% | |
| The Union Bank Company | $315,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $295,000 | $310,000 | 5.1% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $295,000 | $305,000 | 3.4% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $305,000 | n/a | 0.1% | |
| Boeing Employees Credit Union | $335,000 | $295,000 | -11.9% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $845,000 | $295,000 | -65.1% | 0.1% |
| University Bank | $295,000 | n/a | 0.1% | |
| Nations Lending Corporation | $1,855,000 | $285,000 | -84.6% | 0.1% |
| UNION HOME MORTGAGE CORP. | $235,000 | $265,000 | 12.8% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $245,000 | n/a | 0.1% | |
| KeyBank | $755,000 | $225,000 | -70.2% | 0.1% |
| SPRING EQ, LLC | $215,000 | n/a | 0.1% | |
| DIRECTORS MORTGAGE, INC. | $590,000 | $205,000 | -65.3% | 0.1% |
| Bank of the Pacific | $175,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $300,000 | $175,000 | -41.7% | 0.1% |
| Consolidated Federal Credit Union | $165,000 | n/a | 0.1% | |
| PNC Bank | $75,000 | $155,000 | 106.7% | 0.1% |
| LOANPAL, LLC | $125,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,070,000 | $125,000 | -88.3% | 0.1% |
| QUORUM FEDERAL CREDIT UNION | $125,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $115,000 | n/a | 0.1% | |
| NexBank | $115,000 | n/a | 0.1% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $235,000 | $85,000 | -63.8% | 0.0% |
| GEORGIA'S OWN | $75,000 | n/a | 0.0% | |
| Unitus Community Credit Union | $260,000 | $55,000 | -78.8% | 0.0% |
| Rivermark Community Credit Union | $45,000 | n/a | 0.0% |
Prineville's top lender by overall market share is GUILD MORTGAGE COMPANY, with 9.9% market share. In second place, with 6.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $15,070,000 in loans. In third place, with 5.0%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $11,500,000 in loans. In fourth place, with 4.8%, is Mid Oregon Federal Credit Union, having originated $11,125,000 in loans. In fifth place, with 4.0%, is DHI MORTGAGE COMPANY, LTD., having originated $9,195,000 in loans.
Prineville, OR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 377 | $155,315,000 | $411,976 |
| Other | 110 | $13,400,000 | $121,818 |
| Cash Out Refi | 103 | $31,385,000 | $304,709 |
| Home Improvement | 77 | $8,545,000 | $110,974 |
| Refi | 62 | $21,330,000 | $344,032 |
Prineville's most frequently cited loan purpose was Home Purchase, with 377 originations. The 2nd most popular reason was Other, with 110 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 266 | $108,360,000 | $407,368 |
| Over 8% | 204 | $28,570,000 | $140,049 |
| 5-6% | 134 | $47,780,000 | $356,567 |
| 7-8% | 94 | $35,180,000 | $374,255 |
| 4-5% | 15 | $6,195,000 | $413,000 |
| 3-4% | 4 | $1,390,000 | $347,500 |
| <2.5% | 2 | $30,000 | $15,000 |
During 2024, Prineville's most frequently originated rate bucket was 6-7%, with 266 originations.
Loan Sizing (Prineville, OR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 251 | $79,475,000 | $316,633 |
| $400k-600k | 154 | $71,550,000 | $464,610 |
| $100,000 or less | 146 | $7,660,000 | $52,466 |
| $100k-200k | 119 | $16,815,000 | $141,303 |
| $600k-1000k | 44 | $32,100,000 | $729,545 |
| $Over $1MM | 15 | $22,375,000 | $1,491,667 |
Prineville's loan sizing saw the bucket of loans from $200k-400k with 251 originations, totaling $79,475,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 261 | $110,175,000 | $422,126 |
| Under 20% | 164 | $12,270,000 | $74,817 |
| 60-80% | 121 | $58,415,000 | $482,769 |
| 20-40% | 100 | $18,950,000 | $189,500 |
| 40-60% | 56 | $20,560,000 | $367,143 |
| Over 100% | 7 | $3,125,000 | $446,429 |
Prineville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 261 originations, totaling $110,175,000 in origination value.