Roseburg Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Roseburg averaged 6.75% for the week of 2023-09-21, compared to the national average of 7.19% for the same period.

The average rate for the prior week (2023-09-14) was 7.14% and one month ago for the week of 2023-08-17, the average rate was 6.95%.

Roseburg's average rate one year ago was 5.88%.

For refis of the same type during the week of 2023-09-21, the average rate was 5.74%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-09-21 7.19%
Roseburg 30 Year Fixed Rate 2023-09-21 6.75%
Roseburg 30 Year Fixed Rate Refi 2023-09-21 5.74%
Roseburg 15 Year Fixed Rate 2023-09-21 6.44%
Roseburg 15 Year Fixed Rate Refi 2023-09-21 7.04%
Roseburg 30 Year FHA 2023-09-21 6.2%
Roseburg 30 Year FHA Refi 2023-09-21 6.84%
Roseburg 30 Year USDA 2023-09-21 6.82%
Roseburg 30 Year USDA Refi 2023-09-21 6.92%
Roseburg 30 Year VA 2023-09-21 6.07%
Roseburg 30 Year VA Refi 2023-09-21 7.02%
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 lender, 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Umpqua Bank 105 4.67% $5,275
QUICKEN LOANS, LLC 90 4.71% $7,608
CALIBER HOME LOANS, INC. 63 4.53% $4,902
GoPrime Mortgage, Inc. 62 4.58% $6,737
ROGUE 56 5.20% $4,736
UNITED WHOLESALE MORTGAGE, LLC 55 4.85% $6,771
SUMMIT FUNDING, INC. 39 5.43% $8,201
LOANDEPOT.COM, LLC 32 4.60% $7,196
PLAZA HOME MORTGAGE, INC. 27 5.52% $5,681
FIRST COMMUNITY 24 4.25% $3,707
AMERICAN PACIFIC MORTGAGE CORPORATION 20 4.35% $5,972
NORTHWEST COMMUNITY 19 5.37% $6,622
DIRECTORS MORTGAGE, INC. 19 5.59% $7,395
Mr. Cooper ( Nationstar Mortgage ) 18 3.89% $7,609
Wells Fargo Bank 18 4.22% $5,030
Flagstar Bank, FSB 18 5.57% $4,741
GUILD MORTGAGE COMPANY 17 4.77% $6,642
Banner Bank 12 4.71% $4,429
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 12 5.01% $6,490
U.S. Bank 11 4.83% $4,175
FINANCE OF AMERICA MORTGAGE LLC 11 4.93% $7,357
Sierra Pacific Mortgage Company, Inc. 10 4.76% $5,816
AMERISAVE MORTGAGE CORPORATION 10 4.41% $10,152
JPMorgan Chase Bank 10 4.79% $6,333
OREGON COMMUNITY 10 4.36% $2,897
PREMIER MORTGAGE RESOURCES, L.L.C. 10 4.86% $6,758
S1L, Inc. 8 4.33% $7,612
PENNYMAC LOAN SERVICES, LLC 8 4.17% $8,399
NEWREZ LLC 8 5.19% $6,340
FREEDOM MORTGAGE CORPORATION 8 4.26% $5,200
CROSSCOUNTRY MORTGAGE, LLC 7 4.37% $9,667
Century Mortgage Company DBA Century Lending Company 7 5.34% $12,336
OnPoint Community Credit Union 7 4.89% $5,355
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 6 5.35% $9,039
KeyBank 6 4.07% $4,413
HOMEBRIDGE FINANCIAL SERVICES, INC. 5 5.22% $5,809
MORTGAGE EXPRESS, LLC 5 5.78% $4,821
BROKER SOLUTIONS, INC. 5 5.05% $5,000
LAKEVIEW LOAN SERVICING, LLC 5 4.70% $4,284
BETTER MORTGAGE CORPORATION 4 3.63% $5,398
Nations Lending Corporation 4 4.84% $5,170
ZILLOW HOME LOANS, LLC 4 4.63% $6,612
KELLER MORTGAGE, LLC 4 5.34% $6,117
AMERICAN FINANCING CORPORATION 4 3.78% $5,583
CHERRY CREEK MORTGAGE, LLC 3 4.04% $5,009
BAY EQUITY LLC 3 4.96% $7,988
PACIFIC RESIDENTIAL MORTGAGE, LLC 3 6.21% $7,183
ACADEMY MORTGAGE CORPORATION 3 4.54% $7,739
MOUNTAIN WEST FINANCIAL, INC. 3 4.38% $10,981
Ally Bank 3 4.33% $4,194
CHURCHILL MORTGAGE CORPORATION 3 5.38% $4,366
NATIONS DIRECT MORTGAGE, LLC 3 6.00% $8,670
GENEVA FINANCIAL, LLC 3 4.54% $7,758
HOME POINT FINANCIAL CORPORATION 3 4.50% $7,310
NAVY FEDERAL CREDIT UNION 2 4.69% $2,363
Bank of America 2 3.81% $4,356
BKCO MORTGAGE, LLC 2 5.44% $8,691
FIRST CENTENNIAL MORTGAGE CORPORATION 2 6.63% $7,077
Golden Empire Mortgage, Inc. 2 5.69% $8,740
HomeStreet Bank 2 4.38% $4,124
Hometown Lenders, Inc. 2 6.25% $6,131
Loan Simple, Inc. 2 4.37% $5,870
MANN FINANCIAL INC. 2 5.31% $4,710
Morgan Stanley Private Bank 2 2.88% $4,652
NBKC BANK 2 4.69% $3,486
Northwest Farm Credit Services, FLCA 2 4.85% $4,671
PROVIDENT FUNDING ASSOCIATES, L.P. 2 6.00% $5,804
RANLIFE, INC. 2 4.44% $6,052
HOMEXPRESS MORTGAGE CORP. 1 6.38% $7,773
Ixonia Bank 1 5.99% $5,850
First Interstate Bank 1 6.13% $4,038
First Home Bank 1 3.88% $7,640
First Guaranty Mortgage Corporation 1 3.88% $5,269
LADERA LENDING, INC. 1 3.88% $4,391
FirstBank 1 2.88% $6,546
LENDSURE MORTGAGE CORP. 1 8.75% $9,709
EVERETT FINANCIAL, INC. 1 7.00% $1,674
LOANLEADERS OF AMERICA, INC. 1 3.88% $1,364
Washington Federal Bank 1 4.38% $10,479
WASHINGTON STATE EMPLOYEES Credit Union 1 3.25% $5,556
MASON MCDUFFIE MORTGAGE CORPORATION 1 5.37% $6,311
MICHIGAN MUTUAL, INC. 1 6.50% $8,621
Washington Trust Bank 1 4.00% $7,690
EMBRACE HOME LOANS, INC. 1 3.38% $4,895
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 3.63% $6,127
Discover Bank 1 6.25% $0
MOVEMENT MORTGAGE, LLC 1 5.38% $3,580
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 4.50% $7,380
MUFG Union Bank 1 5.88% $7,865
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.13% $6,911
Commerce Home Mortgage, Inc. 1 6.25% $4,178
CMG MORTGAGE, INC. 1 4.13% $4,530
CITYWIDE HOME LOANS, LLC 1 4.75% $4,713
NBH Bank 1 5.13% $10,433
AMERICAN FINANCIAL RESOURCES, INC. 1 6.00% $5,303
NETWORK CAPITAL FUNDING CORPORATION 1 4.00% $13,579
City National Bank 1 4.10% $3,259
NFM, INC. 1 3.38% $8,140
North American Savings Bank, F.S.B. 1 2.63% $7,119
Citibank 1 4.88% $4,320
Wyndham Capital Mortgage, Inc. 1 5.38% $5,073
CHEVRON 1 5.25% $4,416
ON Q FINANCIAL, INC. 1 5.99% $8,962
Charles Schwab Bank, SSB 1 4.80% $5,229
CENTRAL WILLAMETTE Credit Union 1 6.50% $5,013
PANORAMA MORTGAGE GROUP, LLC 1 5.50% $6,916
Paramount Residential Mortgage Group, Inc. 1 4.99% $6,930
Carrington Mortgage Services, LLC 1 5.13% $6,989
PENTAGON FEDERAL CREDIT UNION 1 3.13% $4,306
PHH Mortgage Corporation 1 3.88% $5,400
CARDINAL FINANCIAL 1 3.75% $5,590
PNC Bank 1 2.88% $7,101
PREMIA MORTGAGE, LLC 1 5.30% $2,669
Boeing Employees Credit Union 1 4.00% $4,805
ALAMEDA MORTGAGE CORPORATION 1 5.25% $6,599
BEST CAPITAL FUNDING 1 5.38% $4,468
Quontic Bank 1 7.38% $9,683
Zions Bank 1 7.13% $2,393
RESIDENTIAL BANCORP 1 7.63% $8,222
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 4.99% $15,492
Rivermark Community Credit Union 1 4.50% $3,698
Bank of the West 1 4.25% $8,860
ROYAL UNITED MORTGAGE LLC 1 5.63% $8,713
Axos Bank 1 3.49% $2,886
SECURITYNATIONAL MORTGAGE COMPANY 1 4.12% $6,069
SELCO COMMUNITY 1 2.88% $4,691
AXIA FINANCIAL, LLC 1 3.25% $7,027
STAR ONE CREDIT UNION 1 5.38% $3,231
Stifel Bank and Trust 1 4.50% $3,345
ATHAS CAPITAL GROUP, INC. 1 6.00% $9,079
SUMMIT MORTGAGE CORPORATION 1 6.50% $6,655
The Huntington National Bank 1 5.20% $4,940
THE MORTGAGE COMPANY 1 4.13% $7,215
Toyota Financial Savings Bank 1 3.00% $4,828
Tri Counties Bank 1 3.00% $6,627
Truist 1 5.50% $4,192
Arvest Bank 1 7.50% $5,704
AmeriHome Mortgage Company, LLC 1 5.25% $4,230
Unitus Community Credit Union 1 6.00% $5,134
USAA Federal Savings Bank 1 6.13% $5,344
GUARANTEED RATE, INC. 1 6.38% $7,128
GUARANTEED RATE AFFINITY, LLC 1 5.88% $17,863
Heritage Bank 1 5.25% $6,573
GESA 1 7.00% $6,031
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 5.75% $4,055
First Republic Bank 1 3.85% $6,657
HOMESIDE FINANCIAL, LLC 1 5.25% $11,979
AMERICAN INTERNET MORTGAGE, INC. 1 5.13% $4,524
VERITAS FUNDING, LLC 1 4.25% $13,288

Roseburg Average Closing Costs & Other Stats

Roseburg, OR's 149 lenders originated 2,591 loans during 2022. The total origination value was $641,415,000, with an average loan value of $247,555.

Roseburg's average closing costs are $5,608.

The top Roseburg lender as defined by loan originations is Umpqua Bank, with 105 loans originated. Their average total fees are $5,275, which is $2,333 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Roseburg lenders (with over 10 loans originated) are OREGON COMMUNITY ($2,897), FIRST COMMUNITY ($3,707), U.S. Bank ($4,175), Banner Bank ($4,429) and ROGUE ($4,736).

The lowest rate Roseburg lenders (with over 10 loans originated) are Mr. Cooper ( Nationstar Mortgage ) (3.89%), Wells Fargo Bank (4.22%), FIRST COMMUNITY (4.25%), AMERICAN PACIFIC MORTGAGE CORPORATION (4.35%) and OREGON COMMUNITY (4.36%).

Roseburg, 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
Umpqua Bank $143,175,000 $75,855,000 -47.0% 11.8%
CALIBER HOME LOANS, INC. $102,905,000 $42,460,000 -58.7% 6.6%
QUICKEN LOANS, LLC $93,350,000 $34,205,000 -63.4% 5.3%
UNITED WHOLESALE MORTGAGE, LLC $31,085,000 $32,000,000 2.9% 5.0%
GoPrime Mortgage, Inc. $54,545,000 $27,665,000 -49.3% 4.3%
ROGUE $37,810,000 $26,425,000 -30.1% 4.1%
SUMMIT FUNDING, INC. $28,485,000 $23,365,000 -18.0% 3.6%
LOANDEPOT.COM, LLC $28,920,000 $18,490,000 -36.1% 2.9%
Mortgage Research Center, LLC $19,645,000 $15,745,000 -19.9% 2.5%
U.S. Bank $22,825,000 $12,110,000 -46.9% 1.9%
PLAZA HOME MORTGAGE, INC. $31,720,000 $11,955,000 -62.3% 1.9%
NORTHWEST COMMUNITY $26,415,000 $11,295,000 -57.2% 1.8%
DIRECTORS MORTGAGE, INC. $4,480,000 $10,795,000 141.0% 1.7%
Capital One $9,545,000 $10,310,000 8.0% 1.6%
FREEDOM MORTGAGE CORPORATION $36,310,000 $9,975,000 -72.5% 1.6%
AMERICAN PACIFIC MORTGAGE CORPORATION $20,900,000 $9,675,000 -53.7% 1.5%
Flagstar Bank, FSB $14,120,000 $9,465,000 -33.0% 1.5%
GUILD MORTGAGE COMPANY $17,120,000 $9,350,000 -45.4% 1.5%
FIRST COMMUNITY $10,730,000 $8,765,000 -18.3% 1.4%
PENNYMAC LOAN SERVICES, LLC $18,215,000 $7,680,000 -57.8% 1.2%
KeyBank $3,075,000 $7,235,000 135.3% 1.1%
Banner Bank $11,160,000 $6,905,000 -38.1% 1.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $8,780,000 $6,615,000 -24.7% 1.0%
Century Mortgage Company DBA Century Lending Company $705,000 $6,435,000 812.8% 1.0%
Wells Fargo Bank $13,510,000 $6,230,000 -53.9% 1.0%
Mr. Cooper ( Nationstar Mortgage ) $11,705,000 $5,980,000 -48.9% 0.9%
NEW DAY FINANCIAL, LLC $7,245,000 $5,455,000 -24.7% 0.9%
JPMorgan Chase Bank $5,515,000 $5,340,000 -3.2% 0.8%
FINANCE OF AMERICA MORTGAGE LLC $11,700,000 $4,855,000 -58.5% 0.8%
PREMIER MORTGAGE RESOURCES, L.L.C. $7,550,000 $4,580,000 -39.3% 0.7%
OREGON COMMUNITY $5,645,000 $4,390,000 -22.2% 0.7%
AMERISAVE MORTGAGE CORPORATION $9,030,000 $4,315,000 -52.2% 0.7%
GREYSTONE SERVICING COMPANY LLC $10,005,000 $3,925,000 -60.8% 0.6%
CMG MORTGAGE, INC. $4,335,000 $3,785,000 -12.7% 0.6%
USAA Federal Savings Bank $2,845,000 $3,650,000 28.3% 0.6%
S1L, Inc. $3,920,000 $3,635,000 -7.3% 0.6%
CROSSCOUNTRY MORTGAGE, LLC $9,105,000 $3,580,000 -60.7% 0.6%
NEWREZ LLC $12,165,000 $3,520,000 -71.1% 0.5%
BROKER SOLUTIONS, INC. $5,185,000 $3,515,000 -32.2% 0.5%
HOMEBRIDGE FINANCIAL SERVICES, INC. $3,050,000 $3,465,000 13.6% 0.5%
Sierra Pacific Mortgage Company, Inc. $4,490,000 $3,080,000 -31.4% 0.5%
Nations Lending Corporation $3,715,000 $2,995,000 -19.4% 0.5%
NATIONS DIRECT MORTGAGE, LLC $4,675,000 $2,990,000 -36.0% 0.5%
Carrington Mortgage Services, LLC $4,675,000 $2,955,000 -36.8% 0.5%
ACADEMY MORTGAGE CORPORATION $2,415,000 $2,885,000 19.5% 0.4%
NAVY FEDERAL CREDIT UNION $5,060,000 $2,795,000 -44.8% 0.4%
OnPoint Community Credit Union $880,000 $2,655,000 201.7% 0.4%
SELCO COMMUNITY $75,000 $2,610,000 3,380.0% 0.4%
HOME POINT FINANCIAL CORPORATION $8,290,000 $2,590,000 -68.8% 0.4%
LAKEVIEW LOAN SERVICING, LLC $5,830,000 $2,530,000 -56.6% 0.4%
PacWest Funding Inc. $1,970,000 $2,525,000 28.2% 0.4%
UBS Bank USA $2,505,000 n/a 0.4%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $2,490,000 $2,390,000 -4.0% 0.4%
FINANCE OF AMERICA REVERSE LLC $875,000 $2,355,000 169.1% 0.4%
The Federal Savings Bank $2,490,000 $2,075,000 -16.7% 0.3%
AMERICAN ADVISORS GROUP $2,595,000 $1,995,000 -23.1% 0.3%
MOVEMENT MORTGAGE, LLC $2,240,000 $1,980,000 -11.6% 0.3%
MOUNTAIN WEST FINANCIAL, INC. $725,000 $1,835,000 153.1% 0.3%
GUARANTEED RATE, INC. $2,610,000 $1,785,000 -31.6% 0.3%
RANLIFE, INC. $920,000 $1,760,000 91.3% 0.3%
MID AMERICA MORTGAGE, INC. $1,860,000 $1,730,000 -7.0% 0.3%
BETTER MORTGAGE CORPORATION $6,420,000 $1,645,000 -74.4% 0.3%
First Interstate Bank $1,925,000 $1,625,000 -15.6% 0.3%
Golden Empire Mortgage, Inc. $1,925,000 $1,515,000 -21.3% 0.2%
MORTGAGE EXPRESS, LLC $1,850,000 $1,515,000 -18.1% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $3,415,000 $1,515,000 -55.6% 0.2%
Washington Federal Bank $2,975,000 $1,510,000 -49.2% 0.2%
PACIFIC RESIDENTIAL MORTGAGE, LLC $1,785,000 $1,450,000 -18.8% 0.2%
REVERSE MORTGAGE FUNDING LLC $940,000 $1,360,000 44.7% 0.2%
AMERICAN FINANCING CORPORATION $3,235,000 $1,315,000 -59.4% 0.2%
Evergreen Federal Bank $2,010,000 $1,290,000 -35.8% 0.2%
PENTAGON FEDERAL CREDIT UNION $1,965,000 $1,260,000 -35.9% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $6,765,000 $1,255,000 -81.4% 0.2%
CHURCHILL MORTGAGE CORPORATION $1,380,000 $1,175,000 -14.9% 0.2%
KELLER MORTGAGE, LLC $2,965,000 $1,175,000 -60.4% 0.2%
Morgan Stanley Private Bank $1,170,000 n/a 0.2%
Loan Simple, Inc. $360,000 $1,165,000 223.6% 0.2%
Paramount Residential Mortgage Group, Inc. $880,000 $1,145,000 30.1% 0.2%
MANN FINANCIAL INC. $2,650,000 $1,110,000 -58.1% 0.2%
ZILLOW HOME LOANS, LLC $695,000 $1,070,000 54.0% 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $1,015,000 $1,055,000 3.9% 0.2%
Hometown Lenders, Inc. $560,000 $970,000 73.2% 0.2%
Willamette Valley Bank $5,505,000 $970,000 -82.4% 0.2%
Boeing Employees Credit Union $510,000 $960,000 88.2% 0.1%
Gallic & Johnson, LLC $945,000 n/a 0.1%
BKCO MORTGAGE, LLC $625,000 $940,000 50.4% 0.1%
Barrington Bank & Trust Company, N.A. $1,675,000 $905,000 -46.0% 0.1%
EVERETT FINANCIAL, INC. $755,000 $905,000 19.9% 0.1%
Northwest Farm Credit Services, FLCA $2,035,000 $900,000 -55.8% 0.1%
Bank of America $2,500,000 $875,000 -65.0% 0.1%
ADVANCIAL $850,000 n/a 0.1%
VILLAGE CAPITAL MORTGAGE $3,655,000 $845,000 -76.9% 0.1%
Magnolia Bank $1,635,000 $835,000 -48.9% 0.1%
First Republic Bank $755,000 $815,000 7.9% 0.1%
FIRST CENTENNIAL MORTGAGE CORPORATION $285,000 $805,000 182.5% 0.1%
GENEVA FINANCIAL, LLC $1,260,000 $805,000 -36.1% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $3,655,000 $800,000 -78.1% 0.1%
TruHome Solutions, LLC $970,000 $800,000 -17.5% 0.1%
STEARNS LENDING, LLC $4,620,000 $745,000 -83.9% 0.1%
PNC Bank $370,000 $725,000 95.9% 0.1%
FirstBank $1,675,000 $720,000 -57.0% 0.1%
CHERRY CREEK MORTGAGE, LLC $1,535,000 $715,000 -53.4% 0.1%
BAY EQUITY LLC $1,280,000 $705,000 -44.9% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $525,000 $695,000 32.4% 0.1%
Ally Bank $1,355,000 $675,000 -50.2% 0.1%
SPRING EQ, LLC $580,000 $665,000 14.7% 0.1%
Tri Counties Bank $655,000 n/a 0.1%
Citibank $18,650,000 $645,000 -96.5% 0.1%
LOANPAL, LLC $315,000 $640,000 103.2% 0.1%
Ixonia Bank $635,000 n/a 0.1%
LONGBRIDGE FINANCIAL, LLC $635,000 n/a 0.1%
NBKC BANK $1,045,000 $630,000 -39.7% 0.1%
OPEN MORTGAGE, LLC $240,000 $625,000 160.4% 0.1%
Unitus Community Credit Union $490,000 $615,000 25.5% 0.1%
GUARANTEED RATE AFFINITY, LLC $515,000 $605,000 17.5% 0.1%
NBH Bank $605,000 n/a 0.1%
21ST MORTGAGE CORPORATION $710,000 $600,000 -15.5% 0.1%
PHH Mortgage Corporation $780,000 $600,000 -23.1% 0.1%
The Huntington National Bank $585,000 n/a 0.1%
PREMIA MORTGAGE, LLC $575,000 n/a 0.1%
RESIDENTIAL BANCORP. $255,000 $560,000 119.6% 0.1%
Charles Schwab Bank, SSB $555,000 n/a 0.1%
NFM, INC. $225,000 $555,000 146.7% 0.1%
NETWORK CAPITAL FUNDING CORPORATION $1,370,000 $540,000 -60.6% 0.1%
Plains Commerce Bank $540,000 n/a 0.1%
PANORAMA MORTGAGE GROUP, LLC $145,000 $530,000 265.5% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $195,000 $520,000 166.7% 0.1%
VERITAS FUNDING, LLC $520,000 n/a 0.1%
Figure Lending LLC $275,000 $510,000 85.5% 0.1%
AXIA FINANCIAL, LLC $890,000 $500,000 -43.8% 0.1%
PLANET HOME LENDING, LLC $960,000 $500,000 -47.9% 0.1%
AmeriHome Mortgage Company, LLC $195,000 $480,000 146.2% 0.1%
FAY SERVICING, LLC $665,000 $480,000 -27.8% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $275,000 $475,000 72.7% 0.1%
CLEARPATH LENDING $390,000 $475,000 21.8% 0.1%
Discover Bank $600,000 $475,000 -20.8% 0.1%
ON Q FINANCIAL, INC. $620,000 $475,000 -23.4% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $475,000 n/a 0.1%
First Home Bank $460,000 n/a 0.1%
LADERA LENDING, INC. $1,230,000 $460,000 -62.6% 0.1%
Washington Trust Bank $285,000 $445,000 56.1% 0.1%
Bank of the West $225,000 $440,000 95.6% 0.1%
HOMESIDE FINANCIAL, LLC $275,000 $440,000 60.0% 0.1%
CITYWIDE HOME LOANS, LLC $430,000 n/a 0.1%
HomeStreet Bank $1,750,000 $430,000 -75.4% 0.1%
LPMC, LLC $1,615,000 $430,000 -73.4% 0.1%
Commerce Home Mortgage, Inc. $1,125,000 $405,000 -64.0% 0.1%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $405,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $600,000 $405,000 -32.5% 0.1%
LOANLEADERS OF AMERICA, INC. $400,000 n/a 0.1%
Citizens Bank $175,000 $385,000 120.0% 0.1%
Toyota Financial Savings Bank $385,000 n/a 0.1%
STAR ONE CREDIT UNION $365,000 n/a 0.1%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $355,000 n/a 0.1%
Heritage Bank $355,000 n/a 0.1%
BEST CAPITAL FUNDING $1,305,000 $335,000 -74.3% 0.1%
MICHIGAN MUTUAL, INC. $145,000 $325,000 124.1% 0.1%
Prosperity Home Mortgage, LLC $2,830,000 $315,000 -88.9% 0.0%
Truist $1,155,000 $315,000 -72.7% 0.0%
RELIANCE FIRST CAPITAL, LLC $390,000 $305,000 -21.8% 0.0%
Wyndham Capital Mortgage, Inc. $420,000 $300,000 -28.6% 0.0%
CHEVRON $295,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $605,000 $295,000 -51.2% 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $75,000 $295,000 293.3% 0.0%
BECKAM FUNDING CORP. $285,000 n/a 0.0%
HOMEOWNERS FINANCIAL GROUP USA, LLC $285,000 n/a 0.0%
Low VA Rates, LLC $2,475,000 $285,000 -88.5% 0.0%
Quontic Bank $285,000 n/a 0.0%
AmRes Corporation $275,000 n/a 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $2,160,000 $275,000 -87.3% 0.0%
Rivermark Community Credit Union $270,000 $275,000 1.9% 0.0%
Zions Bancorporation, N.A. $275,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $985,000 $265,000 -73.1% 0.0%
Encompass Lending Group, LP $255,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $250,000 n/a 0.0%
Chicago Mortgage Solutions LLC $360,000 $245,000 -31.9% 0.0%
First Federal Bank $400,000 $245,000 -38.8% 0.0%
ATHAS CAPITAL GROUP, INC. $235,000 n/a 0.0%
CENTRAL WILLAMETTE Credit Union $235,000 n/a 0.0%
LENDSURE MORTGAGE CORP. $240,000 $235,000 -2.1% 0.0%
THE MORTGAGE COMPANY $175,000 $235,000 34.3% 0.0%
CONTOUR MORTGAGE CORPORATION $185,000 $225,000 21.6% 0.0%
ROYAL UNITED MORTGAGE LLC $220,000 n/a 0.0%
ALAMEDA MORTGAGE CORPORATION $205,000 n/a 0.0%
Axos Bank $205,000 n/a 0.0%
WASHINGTON STATE EMPLOYEES Credit Union $205,000 n/a 0.0%
Arvest Bank $260,000 $195,000 -25.0% 0.0%
Citadel Servicing Corporation $105,000 $195,000 85.7% 0.0%
FIRST TECHNOLOGY $1,165,000 $195,000 -83.3% 0.0%
GESA $195,000 n/a 0.0%
MASON MCDUFFIE MORTGAGE CORPORATION $255,000 $195,000 -23.5% 0.0%
MUFG Union Bank $1,510,000 $195,000 -87.1% 0.0%
Stifel Bank and Trust $295,000 $195,000 -33.9% 0.0%
AMWEST FUNDING CORP. $185,000 n/a 0.0%
DAS Acquisition Company, LLC $185,000 n/a 0.0%
North American Savings Bank, F.S.B. $955,000 $185,000 -80.6% 0.0%
M&T Bank $590,000 $165,000 -72.0% 0.0%
City National Bank $155,000 n/a 0.0%
HOMEXPRESS MORTGAGE CORP. $155,000 n/a 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $225,000 $155,000 -31.1% 0.0%
SUMMIT MORTGAGE CORPORATION $1,365,000 $155,000 -88.6% 0.0%
CIVIC FINANCIAL SERVICES, LLC $440,000 $145,000 -67.0% 0.0%
Lakeview Community Capital, LLC $130,000 n/a 0.0%
Alaska USA Federal Credit Union $125,000 n/a 0.0%
ADVANTIS $120,000 n/a 0.0%
1st Security Bank of Washington $905,000 $115,000 -87.3% 0.0%
First Guaranty Mortgage Corporation $2,245,000 $115,000 -94.9% 0.0%
iQ Credit Union $115,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $115,000 n/a 0.0%
SALAL $65,000 n/a 0.0%
Consolidated Federal Credit Union $55,000 n/a 0.0%
GREENWOOD $55,000 n/a 0.0%
MARION AND POLK SCHOOLS CREDIT UNION $55,000 n/a 0.0%
MOUNTAIN AMERICA $55,000 n/a 0.0%
Oregon State Credit Union $55,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $355,000 $55,000 -84.5% 0.0%
BayCoast Bank $45,000 n/a 0.0%
Mid Oregon Federal Credit Union $45,000 n/a 0.0%
SPOKANE TEACHERS $25,000 n/a 0.0%

Roseburg's top lender by overall market share is Umpqua Bank, with 11.8% market share. In second place, with 6.6%, is CALIBER HOME LOANS, INC., having originated $42,460,000 in loans. In third place, with 5.3%, is QUICKEN LOANS, LLC, having originated $34,205,000 in loans. In fourth place, with 5.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $32,000,000 in loans. In fifth place, with 4.3%, is GoPrime Mortgage, Inc., having originated $27,665,000 in loans.


Roseburg Housing Market Trends (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 $306,975 (20.4%) $449,079 (21.0%) 0.00 383
2018-02-01 $304,950 (16.4%) $453,735 (21.7%) 0.00 392
2018-03-01 $299,000 (4.9%) $452,392 (16.4%) 0.00 398
2018-04-01 $323,725 (12.0%) $464,881 (15.8%) 0.00 413
2018-05-01 $325,000 (0.0%) $465,026 (12.7%) 0.00 427
2018-06-01 $319,000 (0.3%) $437,026 (8.2%) 0.00 495
2018-07-01 $309,100 (-4.9%) $437,149 (-1.0%) 0.00 514
2018-08-01 $299,950 (-3.6%) $421,719 (-3.6%) 0.00 539
2018-09-01 $298,250 (0.1%) $418,383 (-0.8%) 0.00 531
2018-10-01 $298,700 (2.2%) $428,014 (2.3%) 0.00 507
2018-11-01 $299,598 (1.0%) $441,058 (0.6%) 0.00 460
2018-12-01 $299,900 (1.7%) $448,220 (1.5%) 0.00 454
2019-01-01 $303,748 (-1.1%) $446,084 (-0.7%) 0.00 446
2019-02-01 $316,250 (3.7%) $452,123 (-0.4%) 0.00 437
2019-03-01 $324,950 (8.7%) $455,448 (0.7%) 0.00 417
2019-04-01 $324,950 (0.4%) $451,342 (-2.9%) 0.00 403
2019-05-01 $331,150 (1.9%) $459,343 (-1.2%) 0.00 413
2019-06-01 $335,000 (5.0%) $460,367 (5.3%) 0.00 467
2019-07-01 $337,450 (9.2%) $457,865 (4.7%) 0.00 478
2019-08-01 $333,500 (11.2%) $444,587 (5.4%) 0.00 480
2019-09-01 $331,250 (11.1%) $432,897 (3.5%) 0.00 467
2019-10-01 $327,225 (9.6%) $412,827 (-3.6%) 0.00 439
2019-11-01 $305,000 (1.8%) $397,730 (-9.8%) 0.00 416
2019-12-01 $291,075 (-2.9%) $382,332 (-14.7%) 0.00 392
2020-01-01 $302,125 (-0.5%) $379,920 (-14.8%) 0.00 365
2020-02-01 $319,450 (1.0%) $412,281 (-8.8%) 0.00 345
2020-03-01 $319,950 (-1.5%) $414,607 (-9.0%) 0.00 349
2020-04-01 $319,475 (-1.7%) $421,352 (-6.6%) 0.00 353
2020-05-01 $325,000 (-1.9%) $433,791 (-5.6%) 0.00 339
2020-06-01 $339,225 (1.3%) $448,213 (-2.6%) 0.00 317
2020-07-01 $331,250 (-1.8%) $434,640 (-5.1%) 0.00 263
2020-08-01 $330,000 (-1.1%) $463,403 (4.2%) 0.00 232
2020-09-01 $340,975 (2.9%) $474,868 (9.7%) 0.00 213
2020-10-01 $346,500 (5.9%) $494,073 (19.7%) 0.00 190
2020-11-01 $340,950 (11.8%) $493,487 (24.1%) 0.00 162
2020-12-01 $327,400 (12.5%) $464,241 (21.4%) 0.00 145
2021-01-01 $320,000 (5.9%) $471,128 (24.0%) 0.00 130
2021-02-01 $307,450 (-3.8%) $421,523 (2.2%) 0.00 110
2021-03-01 $318,475 (-0.5%) $417,648 (0.7%) 0.00 102
2021-04-01 $344,950 (8.0%) $447,013 (6.1%) 0.00 104
2021-05-01 $349,950 (7.7%) $478,365 (10.3%) 0.00 123
2021-06-01 $345,750 (1.9%) $477,531 (6.5%) 0.00 128
2021-07-01 $350,000 (5.7%) $506,521 (16.5%) 0.00 164
2021-08-01 $359,975 (9.1%) $502,898 (8.5%) 0.00 194
2021-09-01 $363,725 (6.7%) $492,956 (3.8%) 0.00 210
2021-10-01 $375,000 (8.2%) $518,790 (5.0%) 0.00 205
2021-11-01 $369,700 (8.4%) $524,951 (6.4%) 0.00 190
2021-12-01 $387,450 (18.3%) $546,396 (17.7%) 0.00 176
2022-01-01 $399,000 (24.7%) $587,452 (24.7%) 0.00 137
2022-02-01 $398,000 (29.5%) $603,940 (43.3%) 0.00 137
2022-03-01 $409,700 (28.6%) $637,626 (52.7%) 0.00 125
2022-04-01 $420,000 (21.8%) $600,704 (34.4%) 0.00 163
2022-05-01 $422,500 (20.7%) $586,905 (22.7%) 0.00 187
2022-06-01 $415,000 (20.0%) $568,297 (19.0%) 0.00 232
2022-07-01 $407,500 (16.4%) $561,509 (10.9%) 0.00 278
2022-08-01 $423,450 (17.6%) $566,393 (12.6%) 0.00 271
2022-09-01 $439,225 (20.8%) $582,194 (18.1%) 0.00 282
2022-10-01 $419,450 (11.9%) $568,160 (9.5%) 0.00 300
2022-11-01 $414,356 (12.1%) $580,009 (10.5%) 0.00 289
2022-12-01 $412,989 (6.6%) $588,218 (7.7%) 0.00 278
2023-01-01 $417,000 (4.5%) $586,670 (-0.1%) 0.00 253
2023-02-01 $419,750 (5.5%) $583,010 (-3.5%) 0.00 237
2023-03-01 $454,500 (10.9%) $609,035 (-4.5%) 0.00 225
2023-04-01 $450,000 (7.1%) $615,089 (2.4%) 0.00 207
2023-05-01 $449,000 (6.3%) $601,153 (2.4%) 0.00 233
2023-06-01 $449,850 (8.4%) $612,157 (7.7%) 0.00 252
2023-07-01 $436,500 (7.1%) $613,058 (9.2%) 0.00 263
2023-08-01 $433,700 (2.4%) $614,914 (8.6%) 0.00 295
Roseburg's median listing price for 2023-08-01 was $433,700, a difference of $10,250 (2.4%) versus the prior year and $-2,800 versus the prior month.

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

Roseburg's average listing price for 2023-08-01 was $614,914, a difference of $48,521 (8.6%) versus the prior year and $1,856 versus the prior month.

For the 2023-08-01 period, Roseburg had 295 MLS listings, a difference of 32 listings (12%) versus the prior month and 24 listings (9%) 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 1,900 sqft
2018-02-01 0 days 1,893 sqft
2018-03-01 0 days 1,892 sqft
2018-04-01 0 days 1,919 sqft
2018-05-01 0 days 1,942 sqft
2018-06-01 0 days 1,874 sqft
2018-07-01 0 days 1,871 sqft
2018-08-01 0 days 1,852 sqft
2018-09-01 0 days 1,845 sqft
2018-10-01 0 days 1,850 sqft
2018-11-01 0 days 1,850 sqft
2018-12-01 0 days 1,852 sqft
2019-01-01 0 days 1,853 sqft
2019-02-01 0 days 1,885 sqft
2019-03-01 0 days 1,902 sqft
2019-04-01 0 days 1,902 sqft
2019-05-01 0 days 1,936 sqft
2019-06-01 0 days 1,953 sqft
2019-07-01 0 days 1,953 sqft
2019-08-01 0 days 1,949 sqft
2019-09-01 0 days 1,946 sqft
2019-10-01 0 days 1,935 sqft
2019-11-01 0 days 1,869 sqft
2019-12-01 0 days 1,825 sqft
2020-01-01 0 days 1,842 sqft
2020-02-01 0 days 1,873 sqft
2020-03-01 0 days 1,851 sqft
2020-04-01 0 days 1,848 sqft
2020-05-01 0 days 1,889 sqft
2020-06-01 0 days 1,944 sqft
2020-07-01 0 days 1,916 sqft
2020-08-01 0 days 1,920 sqft
2020-09-01 0 days 1,933 sqft
2020-10-01 0 days 1,908 sqft
2020-11-01 0 days 1,869 sqft
2020-12-01 0 days 1,854 sqft
2021-01-01 0 days 1,838 sqft
2021-02-01 0 days 1,699 sqft
2021-03-01 0 days 1,699 sqft
2021-04-01 0 days 1,818 sqft
2021-05-01 0 days 1,808 sqft
2021-06-01 0 days 1,716 sqft
2021-07-01 0 days 1,790 sqft
2021-08-01 0 days 1,745 sqft
2021-09-01 0 days 1,665 sqft
2021-10-01 0 days 1,656 sqft
2021-11-01 0 days 1,703 sqft
2021-12-01 0 days 1,772 sqft
2022-01-01 0 days 1,784 sqft
2022-02-01 0 days 1,767 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
2022-06-01 0 days 1,765 sqft
2022-07-01 0 days 1,760 sqft
2022-08-01 0 days 1,769 sqft
2022-09-01 0 days 1,802 sqft
2022-10-01 0 days 1,760 sqft
2022-11-01 0 days 1,763 sqft
2022-12-01 0 days 1,756 sqft
2023-01-01 0 days 1,781 sqft
2023-02-01 0 days 1,713 sqft
2023-03-01 0 days 1,834 sqft
2023-04-01 0 days 1,877 sqft
2023-05-01 0 days 1,820 sqft
2023-06-01 0 days 1,836 sqft
2023-07-01 0 days 1,815 sqft
2023-08-01 0 days 1,824 sqft
Roseburg's median listing age (time on market) for 2023-08-01 was 0 days.

Roseburg's median square footage for active listings during the 2023-08-01 period was 1,824 sqft. One year prior, the average listing was 1,769 sqft.

Roseburg, OR Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,244 $374,680,000 $301,190
Cash Out Refi 583 $139,945,000 $240,043
Refi 330 $84,370,000 $255,667
Home Improvement 244 $18,630,000 $76,352
Other 190 $23,790,000 $125,211

Roseburg's most frequently cited loan purpose was Home Purchase, with 1,244 originations. The 2nd most popular reason was Cash Out Refi, with 583 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 670 $168,780,000 $251,910
5-6% 589 $152,415,000 $258,769
4-5% 540 $140,040,000 $259,333
6-7% 289 $64,135,000 $221,920
2.5-3% 251 $56,735,000 $226,036
7-8% 103 $18,285,000 $177,524
Over 8% 77 $7,365,000 $95,649
<2.5% 64 $18,090,000 $282,656

During 2022, Roseburg's most frequently originated rate bucket was 3-4%, with 670 originations.

Loan Sizing (Roseburg, OR MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,240 $351,200,000 $283,226
$100k-200k 615 $93,255,000 $151,634
$100,000 or less 439 $23,765,000 $54,134
$400k-600k 235 $110,295,000 $469,340
$600k-1000k 53 $36,185,000 $682,736
$Over $1MM 9 $26,715,000 $2,968,333

Roseburg's loan sizing saw the bucket of loans from $200k-400k with 1,240 originations, totaling $351,200,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 944 $300,810,000 $318,655
60-80% 620 $187,710,000 $302,758
40-60% 382 $82,440,000 $215,812
Under 20% 319 $16,495,000 $51,708
20-40% 280 $35,210,000 $125,750
Over 100% 29 $10,685,000 $368,448

Roseburg's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 944 originations, totaling $300,810,000 in origination value.