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.).
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.
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'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.