Roseburg Mortgage Rates

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

30 Year Fixed Rate mortgages in Roseburg averaged 5.99% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 6.06% and one month ago for the week of 2022-05-19, the average rate was 5.33%.

Roseburg's average rate one year ago was 3.15%.

For refis of the same type during the week of 2022-06-23, the average rate was 5.88%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Roseburg 30 Year Fixed Rate 2022-06-23 5.99%
Roseburg 30 Year Fixed Rate Refi 2022-06-23 5.88%
Roseburg 15 Year Fixed Rate 2022-06-23 5.36%
Roseburg 15 Year Fixed Rate Refi 2022-06-23 5.04%
Roseburg 30 Year FHA 2022-06-23 0%
Roseburg 30 Year FHA Refi 2022-06-23 0%
Roseburg 30 Year USDA 2022-06-23 0.02%
Roseburg 30 Year USDA Refi 2022-06-23 -0.37%
Roseburg 30 Year VA 2022-06-23 0.13%
Roseburg 30 Year VA Refi 2022-06-23 -0.3%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Roseburg, OR.

Roseburg 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 Roseburg, 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Umpqua Bank 251 3.23% $4,405
QUICKEN LOANS, LLC 228 3.05% $5,341
CALIBER HOME LOANS, INC. 211 3.09% $4,009
GoPrime Mortgage, Inc. 135 3.11% $4,634
UNITED WHOLESALE MORTGAGE, LLC 90 2.92% $5,349
ROGUE 89 3.43% $4,690
PLAZA HOME MORTGAGE, INC. 67 2.92% $3,559
LOANDEPOT.COM, LLC 62 3.01% $5,412
NORTHWEST COMMUNITY 55 3.15% $6,770
SUMMIT FUNDING, INC. 49 3.24% $6,713
GUILD MORTGAGE COMPANY 42 3.24% $5,041
Flagstar Bank, FSB 35 3.20% $4,573
Wells Fargo Bank 34 3.18% $3,676
U.S. Bank 32 3.04% $3,677
AMERICAN PACIFIC MORTGAGE CORPORATION 31 3.19% $4,366
FINANCE OF AMERICA MORTGAGE LLC 29 3.24% $5,687
FIRST COMMUNITY 28 3.12% $3,425
NEWREZ LLC 26 3.18% $4,261
AMERISAVE MORTGAGE CORPORATION 24 2.89% $5,964
PENNYMAC LOAN SERVICES, LLC 22 3.16% $5,874
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 21 3.23% $5,128
CROSSCOUNTRY MORTGAGE, LLC 20 3.03% $6,470
BETTER MORTGAGE CORPORATION 18 2.83% $4,220
BROKER SOLUTIONS, INC. 17 3.05% $5,441
Mr. Cooper ( Nationstar Mortgage ) 16 3.29% $5,305
PREMIER MORTGAGE RESOURCES, L.L.C. 16 3.40% $5,793
Banner Bank 15 3.11% $4,974
JPMorgan Chase Bank 15 3.20% $4,044
DIRECTORS MORTGAGE, INC. 14 3.43% $6,681
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 14 3.18% $5,163
Sierra Pacific Mortgage Company, Inc. 12 3.30% $4,343
FREEDOM MORTGAGE CORPORATION 11 3.14% $3,221
KELLER MORTGAGE, LLC 10 3.04% $3,098
InterContinental Capital Group, Inc 10 2.89% $4,609
Willamette Valley Bank 10 3.34% $4,828
HOME POINT FINANCIAL CORPORATION 9 2.82% $6,230
S1L, Inc. 9 3.19% $5,110
OREGON COMMUNITY 9 3.11% $5,312
KeyBank 7 3.16% $4,888
NATIONS DIRECT MORTGAGE, LLC 7 3.02% $3,836
Nations Lending Corporation 7 3.02% $10,106
AMERICAN FINANCING CORPORATION 7 3.05% $4,589
PRIMARY RESIDENTIAL MORTGAGE, INC. 6 3.29% $4,764
STEARNS LENDING, LLC 6 2.94% $6,075
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 6 3.35% $6,760
MANN FINANCIAL INC. 5 3.83% $5,215
NAVY FEDERAL CREDIT UNION 5 3.38% $6,825
Strong Home Mortgage, LLC 5 3.30% $2,212
PACIFIC RESIDENTIAL MORTGAGE, LLC 5 3.45% $6,119
GUARANTEED RATE, INC. 5 3.12% $4,159
MUTUAL OF OMAHA MORTGAGE, INC. 4 3.34% $4,374
Bank of America 4 2.94% $4,370
BEST CAPITAL FUNDING 4 3.09% $4,593
GENEVA FINANCIAL, LLC 4 3.34% $5,421
HomeStreet Bank 4 3.31% $4,127
LADERA LENDING, INC. 4 3.03% $5,966
LPMC, LLC 4 3.34% $4,184
MOVEMENT MORTGAGE, LLC 4 3.05% $1,996
ACADEMY MORTGAGE CORPORATION 4 3.22% $5,549
Northwest Farm Credit Services, FLCA 4 3.75% $8,824
OnPoint Community Credit Union 4 2.91% $4,019
Prosperity Home Mortgage, LLC 4 3.47% $3,689
Commerce Home Mortgage, Inc. 3 3.29% $6,001
Washington Federal Bank 3 3.21% $14,714
Columbia State Bank 3 2.75% $3,400
LAKEVIEW LOAN SERVICING, LLC 3 3.46% $2,916
CMG MORTGAGE, INC. 3 2.96% $5,160
Truist Bank 3 3.08% $6,203
SOFI LENDING CORP. 3 2.92% $5,370
PLANET HOME LENDING, LLC 3 3.21% $4,547
PENTAGON FEDERAL CREDIT UNION 3 2.58% $2,958
EVERETT FINANCIAL, INC. 3 3.29% $3,782
Paramount Residential Mortgage Group, Inc. 3 3.29% $5,789
FirstBank 3 3.00% $3,218
First Interstate Bank 3 3.79% $3,899
Ally Bank 3 3.25% $3,659
CELEBRITY HOME LOANS, LLC 3 3.21% $4,857
First Guaranty Mortgage Corporation 3 3.21% $4,632
CHERRY CREEK MORTGAGE, LLC 3 2.96% $1,210
AMERICAN FINANCIAL NETWORK, INC. 3 3.17% $9,723
MUFG Union Bank 2 2.94% $5,117
Golden Empire Mortgage, Inc. 2 3.25% $4,269
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 3.44% $7,242
Discover Bank 2 4.25% $0
Hometown Lenders, Inc. 2 3.19% $6,103
MOUNTAIN WEST FINANCIAL, INC. 2 2.87% $3,274
Chicago Mortgage Solutions LLC 2 2.81% $1,190
Carrington Mortgage Services, LLC 2 3.31% $4,922
Wyndham Capital Mortgage, Inc. 2 2.88% $3,512
PNC Bank 2 3.13% $4,417
ZILLOW HOME LOANS, LLC 2 2.88% $4,814
BAY EQUITY LLC 2 3.50% $7,408
SAMMAMISH MORTGAGE COMPANY 2 3.13% $4,038
SPRING EQ, LLC 2 3.00% $0
FIRST TECHNOLOGY 2 3.31% $4,662
MORTGAGE EXPRESS, LLC 1 3.13% $5,178
Mortgage Research Center, LLC 1 2.75% $4,912
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 4.13% $5,778
Unitus Community Credit Union 1 3.13% $3,571
Washington Trust Bank 1 2.99% $4,667
CHURCHILL MORTGAGE CORPORATION 1 3.25% $4,972
Gateway First Bank 1 2.88% $3,443
Independent Bank 1 3.63% $4,600
First Federal Bank of Kansas City 1 3.25% $6,117
IMPAC MORTGAGE CORP. 1 3.13% $2,288
Century Mortgage Company DBA Century Lending Company 1 2.88% $6,025
NETWORK CAPITAL FUNDING CORPORATION 1 2.38% $4,154
AMERICAN FINANCIAL RESOURCES, INC. 1 2.88% $11,038
NFM, INC. 1 3.25% $4,744
North American Savings Bank, F.S.B. 1 2.75% $1,348
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 1 4.50% $5,632
HOMESIDE FINANCIAL, LLC 1 3.25% $3,121
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 3.75% $5,893
ON Q FINANCIAL, INC. 1 3.13% $10,708
CANOPY MORTGAGE, LLC 1 3.50% $4,995
PACIFIC CASCADE FEDERAL CREDIT UNION 1 3.25% $5,718
CALCON MUTUAL MORTGAGE LLC 1 2.88% $3,693
PANORAMA MORTGAGE GROUP, LLC 1 3.50% $4,063
Paramount Bank 1 2.25% $11,779
ENVOY MORTGAGE, LTD 1 3.25% $6,796
Boeing Employees Credit Union 1 2.88% $4,082
GUARANTEED RATE AFFINITY, LLC 1 2.75% $13,872
People's Bank of Commerce 1 2.88% $2,670
GSF Mortgage Corporation 1 3.49% $14,317
BKCO MORTGAGE, LLC 1 3.25% $1,143
First Mortgage Solutions, LLC 1 2.50% $11,889
BELEM SERVICING LLC 1 2.88% $3,492
BBVA USA 1 3.13% $2,707
Prime Choice Funding Inc. 1 3.38% $3,785
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 3.25% $3,680
First Republic Bank 1 2.65% $9,120
First State Bank of St. Charles, Missouri 1 3.13% $3,789
RED CANOE CREDIT UNION 1 3.50% $4,419
RESIDENTIAL BANCORP. 1 2.99% $3,017
Rivermark Community Credit Union 1 2.88% $3,073
Bank of the West 1 3.25% $7,546
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.25% $2,787
AXIA FINANCIAL, LLC 1 3.13% $17,692
USAA Federal Savings Bank 1 3.00% $3,996
Arvest Bank 1 3.00% $3,448
SIRVA MORTGAGE, INC. 1 3.25% $996
Greenbox Loans, Inc. 1 4.99% $26,122
SOVEREIGN LENDING GROUP INCORPORATED 1 2.88% $5,818
FIRST CENTENNIAL MORTGAGE CORPORATION 1 3.00% $5,846
ARC HOME LLC 1 3.13% $5,757
Stifel Bank and Trust 1 2.50% $2,758
ANGEL OAK HOME LOANS LLC 1 2.88% $6,055
Amerifirst Financial, Inc. 1 2.50% $4,436
SUMMIT MORTGAGE CORPORATION 1 3.49% $5,198
SUN WEST MORTGAGE COMPANY, INC. 1 3.25% $2,499
THE MORTGAGE COMPANY 1 3.13% $4,274
THRIVENT Federal Credit Union 1 3.25% $3,540
Great Southern Bank 1 3.14% $7,048
AMERICAN INTERNET MORTGAGE, INC. 1 2.88% $4,219
AMERICAN FIRST 1 3.00% $3,590
V.I.P. MORTGAGE, INC. 1 3.13% $3,995
COLUMBIA COMMUNITY CREDIT UNION 1 3.38% $2,874
LAND HOME FINANCIAL SERVICES, INC. 1 3.25% $4,070
Citizens Bank 1 3.63% $3,556
Loan Simple, Inc. 1 3.38% $5,856
JMJ FINANCIAL GROUP 1 3.63% $7,679
Magnolia Bank 1 3.38% $13,125
Citibank 1 2.88% $3,582
Manufacturers and Traders Trust Company 1 3.63% $5,999
MASON MCDUFFIE MORTGAGE CORPORATION 1 2.99% $5,553

Roseburg, OR's 165 lenders originated 4,707 loans during 2021. The total origination value was $1,147,485,000, with an average loan value of $243,783.

The top Roseburg lender as defined by loan originations is Umpqua Bank, with 251 loans originated. Their average total fees are $4,405, which is $936 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Roseburg lenders (with over 10 loans originated) are KELLER MORTGAGE, LLC ($3,098), FREEDOM MORTGAGE CORPORATION ($3,221), FIRST COMMUNITY ($3,425), PLAZA HOME MORTGAGE, INC. ($3,559) and Wells Fargo Bank ($3,676).

The lowest rate Roseburg lenders (with over 10 loans originated) are BETTER MORTGAGE CORPORATION (2.83%), InterContinental Capital Group, Inc (2.89%), AMERISAVE MORTGAGE CORPORATION (2.89%), UNITED WHOLESALE MORTGAGE, LLC (2.92%) and PLAZA HOME MORTGAGE, INC. (2.92%).

Roseburg, OR Lender Market Share & Volume

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

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Umpqua Bank $164,320,000 $143,175,000 -12.9% 12.5%
CALIBER HOME LOANS, INC. $70,260,000 $102,905,000 46.5% 9.0%
QUICKEN LOANS, LLC $73,775,000 $93,350,000 26.5% 8.1%
GoPrime Mortgage, Inc. $56,580,000 $54,545,000 -3.6% 4.8%
ROGUE $28,040,000 $37,810,000 34.8% 3.3%
FREEDOM MORTGAGE CORPORATION $35,570,000 $36,310,000 2.1% 3.2%
PLAZA HOME MORTGAGE, INC. $37,035,000 $31,720,000 -14.4% 2.8%
UNITED WHOLESALE MORTGAGE, LLC $29,220,000 $31,085,000 6.4% 2.7%
LOANDEPOT.COM, LLC $15,675,000 $28,920,000 84.5% 2.5%
SUMMIT FUNDING, INC. $20,185,000 $28,485,000 41.1% 2.5%
NORTHWEST COMMUNITY $26,240,000 $26,415,000 0.7% 2.3%
U.S. Bank $24,175,000 $22,825,000 -5.6% 2.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $17,175,000 $20,900,000 21.7% 1.8%
Mortgage Research Center, LLC $20,125,000 $19,645,000 -2.4% 1.7%
Citibank $18,650,000 n/a 1.6%
PENNYMAC LOAN SERVICES, LLC $10,205,000 $18,215,000 78.5% 1.6%
GUILD MORTGAGE COMPANY $16,070,000 $17,120,000 6.5% 1.5%
Flagstar Bank, FSB $10,680,000 $14,120,000 32.2% 1.2%
Wells Fargo Bank $25,400,000 $13,510,000 -46.8% 1.2%
NEWREZ LLC $3,850,000 $12,165,000 216.0% 1.1%
Mr. Cooper ( Nationstar Mortgage ) $7,420,000 $11,705,000 57.7% 1.0%
FINANCE OF AMERICA MORTGAGE LLC $12,310,000 $11,700,000 -5.0% 1.0%
Banner Bank $10,955,000 $11,160,000 1.9% 1.0%
FIRST COMMUNITY $19,230,000 $10,730,000 -44.2% 0.9%
GREYSTONE SERVICING COMPANY LLC $10,005,000 n/a 0.9%
Capital One $9,545,000 n/a 0.8%
CROSSCOUNTRY MORTGAGE, LLC $4,630,000 $9,105,000 96.7% 0.8%
AMERISAVE MORTGAGE CORPORATION $8,375,000 $9,030,000 7.8% 0.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,080,000 $8,780,000 115.2% 0.8%
HOME POINT FINANCIAL CORPORATION $4,140,000 $8,290,000 100.2% 0.7%
PREMIER MORTGAGE RESOURCES, L.L.C. $10,005,000 $7,550,000 -24.5% 0.7%
NEW DAY FINANCIAL, LLC $6,155,000 $7,245,000 17.7% 0.6%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $5,350,000 $6,765,000 26.4% 0.6%
BETTER MORTGAGE CORPORATION $915,000 $6,420,000 601.6% 0.6%
ORIX REAL ESTATE CAPITAL, LLC $7,210,000 $6,005,000 -16.7% 0.5%
LAKEVIEW LOAN SERVICING, LLC $3,635,000 $5,830,000 60.4% 0.5%
OREGON COMMUNITY $5,080,000 $5,645,000 11.1% 0.5%
JPMorgan Chase Bank $3,500,000 $5,515,000 57.6% 0.5%
Willamette Valley Bank $2,450,000 $5,505,000 124.7% 0.5%
BROKER SOLUTIONS, INC. $2,890,000 $5,185,000 79.4% 0.5%
NAVY FEDERAL CREDIT UNION $2,865,000 $5,060,000 76.6% 0.4%
Carrington Mortgage Services, LLC $2,755,000 $4,675,000 69.7% 0.4%
NATIONS DIRECT MORTGAGE, LLC $1,865,000 $4,675,000 150.7% 0.4%
STEARNS LENDING, LLC $1,995,000 $4,620,000 131.6% 0.4%
Sierra Pacific Mortgage Company, Inc. $1,875,000 $4,490,000 139.5% 0.4%
DIRECTORS MORTGAGE, INC. $2,410,000 $4,480,000 85.9% 0.4%
InterContinental Capital Group, Inc $2,580,000 $4,435,000 71.9% 0.4%
CMG MORTGAGE, INC. $9,865,000 $4,335,000 -56.1% 0.4%
S1L, Inc. $380,000 $3,920,000 931.6% 0.3%
Pacific Premier Bank $3,905,000 n/a 0.3%
Nations Lending Corporation $2,825,000 $3,715,000 31.5% 0.3%
SUN WEST MORTGAGE COMPANY, INC. $4,750,000 $3,655,000 -23.1% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $1,665,000 $3,655,000 119.5% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $3,370,000 $3,415,000 1.3% 0.3%
AMERICAN FINANCING CORPORATION $1,860,000 $3,235,000 73.9% 0.3%
KeyBank $1,035,000 $3,075,000 197.1% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $4,940,000 $3,050,000 -38.3% 0.3%
Washington Federal Bank $3,735,000 $2,975,000 -20.3% 0.3%
KELLER MORTGAGE, LLC $13,950,000 $2,965,000 -78.7% 0.3%
USAA Federal Savings Bank $5,290,000 $2,845,000 -46.2% 0.2%
Prosperity Home Mortgage, LLC $2,825,000 $2,830,000 0.2% 0.2%
MANN FINANCIAL INC. $1,115,000 $2,650,000 137.7% 0.2%
GUARANTEED RATE, INC. $1,275,000 $2,610,000 104.7% 0.2%
AMERICAN ADVISORS GROUP $1,310,000 $2,595,000 98.1% 0.2%
Bank of America $1,495,000 $2,500,000 67.2% 0.2%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $2,390,000 $2,490,000 4.2% 0.2%
The Federal Savings Bank $7,685,000 $2,490,000 -67.6% 0.2%
Low VA Rates, LLC $2,115,000 $2,475,000 17.0% 0.2%
ACADEMY MORTGAGE CORPORATION $3,700,000 $2,415,000 -34.7% 0.2%
First Guaranty Mortgage Corporation $685,000 $2,245,000 227.7% 0.2%
MOVEMENT MORTGAGE, LLC $2,320,000 $2,240,000 -3.4% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,440,000 $2,160,000 50.0% 0.2%
Northwest Farm Credit Services, FLCA $2,410,000 $2,035,000 -15.6% 0.2%
Evergreen Federal Bank $405,000 $2,010,000 396.3% 0.2%
PacWest Funding Inc. $2,595,000 $1,970,000 -24.1% 0.2%
PENTAGON FEDERAL CREDIT UNION $275,000 $1,965,000 614.5% 0.2%
First Interstate Bank $3,675,000 $1,925,000 -47.6% 0.2%
Golden Empire Mortgage, Inc. $125,000 $1,925,000 1,440.0% 0.2%
MID AMERICA MORTGAGE, INC. $3,065,000 $1,860,000 -39.3% 0.2%
MORTGAGE EXPRESS, LLC $2,595,000 $1,850,000 -28.7% 0.2%
PACIFIC RESIDENTIAL MORTGAGE, LLC $770,000 $1,785,000 131.8% 0.2%
Strong Home Mortgage, LLC $1,525,000 $1,770,000 16.1% 0.2%
HomeStreet Bank $2,200,000 $1,750,000 -20.5% 0.2%
Barrington Bank & Trust Company, N.A. $2,175,000 $1,675,000 -23.0% 0.1%
FirstBank $1,700,000 $1,675,000 -1.5% 0.1%
Magnolia Bank $205,000 $1,635,000 697.6% 0.1%
LPMC, LLC $860,000 $1,615,000 87.8% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $1,970,000 $1,610,000 -18.3% 0.1%
CHERRY CREEK MORTGAGE, LLC $1,520,000 $1,535,000 1.0% 0.1%
MUFG Union Bank $820,000 $1,510,000 84.1% 0.1%
SOFI LENDING CORP. $155,000 $1,415,000 812.9% 0.1%
CHURCHILL MORTGAGE CORPORATION $1,375,000 $1,380,000 0.4% 0.1%
NETWORK CAPITAL FUNDING CORPORATION $305,000 $1,370,000 349.2% 0.1%
SUMMIT MORTGAGE CORPORATION $710,000 $1,365,000 92.3% 0.1%
Ally Bank $650,000 $1,355,000 108.5% 0.1%
BEST CAPITAL FUNDING $1,210,000 $1,305,000 7.9% 0.1%
BAY EQUITY LLC $515,000 $1,280,000 148.5% 0.1%
GENEVA FINANCIAL, LLC $650,000 $1,260,000 93.8% 0.1%
LADERA LENDING, INC. $400,000 $1,230,000 207.5% 0.1%
FIRST TECHNOLOGY $1,060,000 $1,165,000 9.9% 0.1%
BNC National Bank $275,000 $1,155,000 320.0% 0.1%
Truist Bank $1,155,000 n/a 0.1%
Commerce Home Mortgage, Inc. $1,125,000 n/a 0.1%
Prime Choice Funding Inc. $650,000 $1,060,000 63.1% 0.1%
NBKC BANK $2,465,000 $1,045,000 -57.6% 0.1%
Greenbox Loans, Inc. $1,025,000 n/a 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $1,010,000 $1,015,000 0.5% 0.1%
First Mortgage Solutions, LLC $990,000 n/a 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $2,935,000 $985,000 -66.4% 0.1%
TruHome Solutions, LLC $765,000 $970,000 26.8% 0.1%
PLANET HOME LENDING, LLC $400,000 $960,000 140.0% 0.1%
North American Savings Bank, F.S.B. $1,545,000 $955,000 -38.2% 0.1%
GSF Mortgage Corporation $395,000 $940,000 138.0% 0.1%
REVERSE MORTGAGE FUNDING LLC $395,000 $940,000 138.0% 0.1%
RANLIFE, INC. $1,770,000 $920,000 -48.0% 0.1%
Columbia State Bank $355,000 $910,000 156.3% 0.1%
1st Security Bank of Washington $250,000 $905,000 262.0% 0.1%
AXIA FINANCIAL, LLC $260,000 $890,000 242.3% 0.1%
OnPoint Community Credit Union $2,450,000 $880,000 -64.1% 0.1%
Paramount Residential Mortgage Group, Inc. $820,000 $880,000 7.3% 0.1%
FINANCE OF AMERICA REVERSE LLC $170,000 $875,000 414.7% 0.1%
SAMMAMISH MORTGAGE COMPANY $845,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $215,000 $790,000 267.4% 0.1%
PHH Mortgage Corporation $790,000 $780,000 -1.3% 0.1%
EVERETT FINANCIAL, INC. $255,000 $755,000 196.1% 0.1%
First Republic Bank $755,000 n/a 0.1%
MOUNTAIN WEST FINANCIAL, INC. $860,000 $725,000 -15.7% 0.1%
21ST MORTGAGE CORPORATION $415,000 $710,000 71.1% 0.1%
Century Mortgage Company DBA Century Lending Company $705,000 n/a 0.1%
CELEBRITY HOME LOANS, LLC $190,000 $700,000 268.4% 0.1%
ZILLOW HOME LOANS, LLC $470,000 $695,000 47.9% 0.1%
People's Bank of Commerce $1,380,000 $680,000 -50.7% 0.1%
Great Southern Bank $675,000 n/a 0.1%
FAY SERVICING, LLC $665,000 n/a 0.1%
TJC Mortgage, Inc. $1,355,000 $650,000 -52.0% 0.1%
BKCO MORTGAGE, LLC $625,000 n/a 0.1%
ON Q FINANCIAL, INC. $620,000 n/a 0.1%
EMBRACE HOME LOANS, INC. $380,000 $605,000 59.2% 0.1%
Discover Bank $290,000 $600,000 106.9% 0.1%
TRIAD FINANCIAL SERVICES, INC. $160,000 $600,000 275.0% 0.1%
Manufacturers and Traders Trust Company $125,000 $590,000 372.0% 0.1%
SPRING EQ, LLC $240,000 $580,000 141.7% 0.1%
Gateway First Bank $520,000 $560,000 7.7% 0.0%
Hometown Lenders, Inc. $560,000 n/a 0.0%
Paramount Bank $550,000 n/a 0.0%
ANGEL OAK HOME LOANS LLC $545,000 n/a 0.0%
PACIFIC CASCADE FEDERAL CREDIT UNION $535,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $710,000 $525,000 -26.1% 0.0%
GUARANTEED RATE AFFINITY, LLC $395,000 $515,000 30.4% 0.0%
Boeing Employees Credit Union $255,000 $510,000 100.0% 0.0%
BELEM SERVICING LLC $235,000 $505,000 114.9% 0.0%
ACCELERATE MORTGAGE, LLC $980,000 $490,000 -50.0% 0.0%
Unitus Community Credit Union $975,000 $490,000 -49.7% 0.0%
IAA Credit Union $780,000 $465,000 -40.4% 0.0%
NP, Inc. $615,000 $450,000 -26.8% 0.0%
CIVIC FINANCIAL SERVICES, LLC $440,000 n/a 0.0%
Hometown Equity Mortgage, LLC $1,210,000 $440,000 -63.6% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $875,000 $435,000 -50.3% 0.0%
Wyndham Capital Mortgage, Inc. $1,940,000 $420,000 -78.4% 0.0%
CANOPY MORTGAGE, LLC $175,000 $405,000 131.4% 0.0%
First Federal Bank $860,000 $400,000 -53.5% 0.0%
V.I.P. MORTGAGE, INC. $325,000 $395,000 21.5% 0.0%
CLEARPATH LENDING $390,000 n/a 0.0%
RELIANCE FIRST CAPITAL, LLC $390,000 n/a 0.0%
Amerifirst Financial, Inc. $185,000 $385,000 108.1% 0.0%
ENVOY MORTGAGE, LTD $385,000 n/a 0.0%
AMCAP MORTGAGE, LTD. $375,000 n/a 0.0%
SIRVA MORTGAGE, INC. $375,000 $375,000 0.0% 0.0%
PNC Bank $290,000 $370,000 27.6% 0.0%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $365,000 n/a 0.0%
Chicago Mortgage Solutions LLC $425,000 $360,000 -15.3% 0.0%
Loan Simple, Inc. $285,000 $360,000 26.3% 0.0%
Capital Bank $355,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $355,000 n/a 0.0%
RED CANOE CREDIT UNION $345,000 n/a 0.0%
JMAC LENDING, INC. $630,000 $335,000 -46.8% 0.0%
JMJ FINANCIAL GROUP $335,000 n/a 0.0%
LENDERFI, INC. $335,000 n/a 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $325,000 n/a 0.0%
CALCON MUTUAL MORTGAGE LLC $315,000 n/a 0.0%
First Federal Bank of Kansas City $345,000 $315,000 -8.7% 0.0%
LOANPAL, LLC $315,000 n/a 0.0%
SRE MORTGAGE ALLIANCE INC. $195,000 $315,000 61.5% 0.0%
CORNERSTONE HOME LENDING, INC. $405,000 $305,000 -24.7% 0.0%
Northpointe Bank $600,000 $295,000 -50.8% 0.0%
Stifel Bank and Trust $295,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $990,000 $290,000 -70.7% 0.0%
FIRST CENTENNIAL MORTGAGE CORPORATION $285,000 n/a 0.0%
Washington Trust Bank $285,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $595,000 $275,000 -53.8% 0.0%
Figure Lending LLC $85,000 $275,000 223.5% 0.0%
HOMESIDE FINANCIAL, LLC $170,000 $275,000 61.8% 0.0%
Rivermark Community Credit Union $700,000 $270,000 -61.4% 0.0%
Arvest Bank $260,000 n/a 0.0%
FBC MORTGAGE, LLC $255,000 n/a 0.0%
MASON MCDUFFIE MORTGAGE CORPORATION $255,000 n/a 0.0%
RESIDENTIAL BANCORP. $255,000 n/a 0.0%
LENDSURE MORTGAGE CORP. $240,000 n/a 0.0%
OPEN MORTGAGE, LLC $240,000 n/a 0.0%
Chickasaw Community Bank $235,000 n/a 0.0%
Colten Mortgage, LLC $235,000 n/a 0.0%
First State Bank of St. Charles, Missouri $235,000 n/a 0.0%
Bank of the West $255,000 $225,000 -11.8% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $2,080,000 $225,000 -89.2% 0.0%
NFM, INC. $225,000 n/a 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $490,000 $215,000 -56.1% 0.0%
AMERICAN FIRST $205,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $945,000 $195,000 -79.4% 0.0%
Goldwater Bank, N.A. $410,000 $195,000 -52.4% 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,040,000 $195,000 -81.3% 0.0%
ARC HOME LLC $185,000 n/a 0.0%
Austin Capital Bank SSB $185,000 n/a 0.0%
COLUMBIA COMMUNITY CREDIT UNION $185,000 n/a 0.0%
CONTOUR MORTGAGE CORPORATION $185,000 n/a 0.0%
Equity Prime Mortgage LLC $550,000 $185,000 -66.4% 0.0%
Citizens Bank $205,000 $175,000 -14.6% 0.0%
Independent Bank $175,000 n/a 0.0%
THE MORTGAGE COMPANY $175,000 n/a 0.0%
Cornerstone First Mortgage, Inc $165,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $155,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $145,000 n/a 0.0%
PANORAMA MORTGAGE GROUP, LLC $145,000 n/a 0.0%
BBVA USA $1,420,000 $135,000 -90.5% 0.0%
IMPAC MORTGAGE CORP. $135,000 n/a 0.0%
THRIVENT Federal Credit Union $65,000 $135,000 107.7% 0.0%
Citadel Servicing Corporation $465,000 $105,000 -77.4% 0.0%
Third Federal Savings and Loan Association of Cleveland $210,000 $105,000 -50.0% 0.0%
Farmers Bank & Trust $95,000 n/a 0.0%
PURDUE FEDERAL CREDIT UNION $95,000 n/a 0.0%
SELCO COMMUNITY $740,000 $75,000 -89.9% 0.0%
USAGENCIES $75,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $245,000 $75,000 -69.4% 0.0%

Roseburg's top lender by overall market share is Umpqua Bank, with 12.5% market share. In second place, with 9.0%, is CALIBER HOME LOANS, INC., having originated $102,905,000 in loans. In third place, with 8.1%, is QUICKEN LOANS, LLC, having originated $93,350,000 in loans. In third place, with 4.8%, is GoPrime Mortgage, Inc., having originated $54,545,000 in loans. In third place, with 3.3%, is ROGUE, having originated $37,810,000 in loans.


Roseburg, OR Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 1,701 $387,545,000 $227,834
Home Purchase 1,677 $502,545,000 $299,669
Cash Out Refi 999 $224,715,000 $224,940
Home Improvement 174 $16,330,000 $93,851
Other 156 $16,350,000 $104,808

Roseburg's most frequently cited loan purpose was Refi, with 1,701 originations. The 2nd most popular reason was Home Purchase, with 1,677 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,783 $449,985,000 $252,375
3-4% 1,687 $409,405,000 $242,682
<2.5% 939 $230,315,000 $245,277
4-5% 201 $37,225,000 $185,199
5-6% 41 $4,035,000 $98,415
Over 8% 20 $2,780,000 $139,000
6-7% 13 $1,115,000 $85,769
7-8% 9 $705,000 $78,333

During 2021, Roseburg's most frequently originated rate bucket was 2.5-3%, with 1,783 originations.

Loan Sizing (Roseburg, OR MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 2,363 $642,665,000 $271,970
$100k-200k 1,545 $237,645,000 $153,816
$100,000 or less 416 $25,790,000 $61,995
$400k-600k 326 $153,060,000 $469,509
$600k-1000k 45 $31,425,000 $698,333
$Over $1MM 12 $56,900,000 $4,741,667

Roseburg's loan sizing saw the bucket of loans from $200k-400k with 2,363 originations, totaling $642,665,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,539 $432,245,000 $280,861
60-80% 1,439 $382,375,000 $265,723
40-60% 835 $188,965,000 $226,305
20-40% 367 $47,335,000 $128,978
Under 20% 213 $11,535,000 $54,155
Over 100% 71 $27,465,000 $386,831

Roseburg's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,539 originations, totaling $432,245,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Roseburg (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 $309,900 (19.2%) $448,975 (10.9%) 0.00 389
2018-02-01 $307,400 (11.8%) $453,487 (11.6%) 0.00 401
2018-03-01 $299,000 (3.5%) $450,600 (9.6%) 0.00 411
2018-04-01 $327,000 (9.4%) $474,703 (11.9%) 0.00 422
2018-05-01 $329,000 (-0.3%) $477,044 (10.2%) 0.00 443
2018-06-01 $325,000 (-0.6%) $459,085 (7.6%) 0.00 509
2018-07-01 $317,500 (-2.3%) $466,918 (2.0%) 0.00 526
2018-08-01 $317,000 (-0.2%) $454,156 (1.1%) 0.00 549
2018-09-01 $299,990 (0.2%) $451,786 (3.1%) 0.00 544
2018-10-01 $302,450 (1.5%) $460,509 (7.0%) 0.00 513
2018-11-01 $311,500 (4.2%) $483,280 (8.2%) 0.00 470
2018-12-01 $305,000 (2.4%) $483,774 (8.8%) 0.00 474
2019-01-01 $309,900 (0.0%) $479,454 (6.8%) 0.00 463
2019-02-01 $319,500 (3.9%) $485,980 (7.2%) 0.00 451
2019-03-01 $325,000 (8.7%) $485,793 (7.8%) 0.00 436
2019-04-01 $325,000 (-0.6%) $477,416 (0.6%) 0.00 419
2019-05-01 $338,000 (2.7%) $479,535 (0.5%) 0.00 424
2019-06-01 $339,900 (4.6%) $477,666 (4.1%) 0.00 481
2019-07-01 $345,500 (8.8%) $477,481 (2.3%) 0.00 489
2019-08-01 $343,100 (8.2%) $474,045 (4.4%) 0.00 498
2019-09-01 $339,450 (13.2%) $470,624 (4.2%) 0.00 498
2019-10-01 $336,950 (11.4%) $428,943 (-6.9%) 0.00 452
2019-11-01 $319,000 (2.4%) $419,163 (-13.3%) 0.00 430
2019-12-01 $307,000 (0.7%) $406,467 (-16.0%) 0.00 406
2020-01-01 $312,500 (0.8%) $406,061 (-15.3%) 0.00 382
2020-02-01 $326,000 (2.0%) $434,093 (-10.7%) 0.00 363
2020-03-01 $328,900 (1.2%) $433,616 (-10.7%) 0.00 367
2020-04-01 $328,900 (1.2%) $442,723 (-7.3%) 0.00 373
2020-05-01 $335,000 (-0.9%) $467,088 (-2.6%) 0.00 354
2020-06-01 $349,000 (2.7%) $488,666 (2.3%) 0.00 331
2020-07-01 $338,750 (-2.0%) $461,822 (-3.3%) 0.00 272
2020-08-01 $349,000 (1.7%) $484,933 (2.3%) 0.00 241
2020-09-01 $350,000 (3.1%) $510,566 (8.5%) 0.00 222
2020-10-01 $359,900 (6.8%) $536,797 (25.1%) 0.00 197
2020-11-01 $350,000 (9.7%) $519,221 (23.9%) 0.00 166
2020-12-01 $347,000 (13.0%) $483,732 (19.0%) 0.00 146
2021-01-01 $325,000 (4.0%) $476,451 (17.3%) 0.00 130
2021-02-01 $316,750 (-2.8%) $429,376 (-1.1%) 0.00 110
2021-03-01 $325,500 (-1.0%) $427,325 (-1.5%) 0.00 104
2021-04-01 $352,450 (7.2%) $461,616 (4.3%) 0.00 103
2021-05-01 $369,000 (10.2%) $504,421 (8.0%) 0.00 122
2021-06-01 $350,000 (0.3%) $501,812 (2.7%) 0.00 128
2021-07-01 $355,000 (4.8%) $526,479 (14.0%) 0.00 170
2021-08-01 $364,500 (4.4%) $523,472 (8.0%) 0.00 195
2021-09-01 $367,000 (4.9%) $512,402 (0.4%) 0.00 208
2021-10-01 $379,000 (5.3%) $533,858 (-0.6%) 0.00 203
2021-11-01 $369,900 (5.7%) $540,098 (4.0%) 0.00 191
2021-12-01 $389,000 (12.1%) $567,913 (17.4%) 0.00 178
2022-01-01 $399,000 (22.8%) $591,088 (24.1%) 0.00 135
2022-02-01 $398,250 (25.7%) $598,140 (39.3%) 0.00 138
2022-03-01 $419,450 (28.9%) $651,556 (52.5%) 0.00 126
2022-04-01 $425,000 (20.6%) $620,548 (34.4%) 0.00 165
2022-05-01 $428,000 (16.0%) $601,460 (19.2%) 0.00 190
Roseburg's median listing price for 2022-05-01 was $428,000, a difference of $59,000 (16.0%) versus the prior year and $3,000 versus the prior month.

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

Roseburg's average listing price for 2022-05-01 was $601,460, a difference of $97,039 (19.2%) versus the prior year and $-19,088 versus the prior month.

For the 2022-05-01 period, Roseburg had 190 MLS listings, a difference of 25 listings (15%) versus the prior month and 68 listings (56%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Roseburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,904 sqft
2018-02-01 0 days 1,905 sqft
2018-03-01 0 days 1,904 sqft
2018-04-01 0 days 1,932 sqft
2018-05-01 0 days 1,961 sqft
2018-06-01 0 days 1,900 sqft
2018-07-01 0 days 1,895 sqft
2018-08-01 0 days 1,900 sqft
2018-09-01 0 days 1,878 sqft
2018-10-01 0 days 1,884 sqft
2018-11-01 0 days 1,875 sqft
2018-12-01 0 days 1,872 sqft
2019-01-01 0 days 1,847 sqft
2019-02-01 0 days 1,881 sqft
2019-03-01 0 days 1,905 sqft
2019-04-01 0 days 1,901 sqft
2019-05-01 0 days 1,931 sqft
2019-06-01 0 days 1,945 sqft
2019-07-01 0 days 1,955 sqft
2019-08-01 0 days 1,952 sqft
2019-09-01 0 days 1,947 sqft
2019-10-01 0 days 1,948 sqft
2019-11-01 0 days 1,896 sqft
2019-12-01 0 days 1,869 sqft
2020-01-01 0 days 1,839 sqft
2020-02-01 0 days 1,888 sqft
2020-03-01 0 days 1,853 sqft
2020-04-01 0 days 1,849 sqft
2020-05-01 0 days 1,889 sqft
2020-06-01 0 days 1,991 sqft
2020-07-01 0 days 1,906 sqft
2020-08-01 0 days 1,918 sqft
2020-09-01 0 days 1,995 sqft
2020-10-01 0 days 1,970 sqft
2020-11-01 0 days 1,927 sqft
2020-12-01 0 days 1,851 sqft
2021-01-01 0 days 1,817 sqft
2021-02-01 0 days 1,743 sqft
2021-03-01 0 days 1,699 sqft
2021-04-01 0 days 1,809 sqft
2021-05-01 0 days 1,815 sqft
2021-06-01 0 days 1,709 sqft
2021-07-01 0 days 1,812 sqft
2021-08-01 0 days 1,779 sqft
2021-09-01 0 days 1,672 sqft
2021-10-01 0 days 1,658 sqft
2021-11-01 0 days 1,712 sqft
2021-12-01 0 days 1,778 sqft
2022-01-01 0 days 1,800 sqft
2022-02-01 0 days 1,772 sqft
2022-03-01 0 days 1,795 sqft
2022-04-01 0 days 1,768 sqft
2022-05-01 0 days 1,793 sqft
Roseburg's median listing age (time on market) for 2022-05-01 was 0 days.

Roseburg's median square footage for active listings during the 2022-05-01 period was 1,793 sqft. One year prior, the average listing was 1,815 sqft.