The Dalles Mortgage Rates & Closing Costs

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  • Trends
  • Rates vs. Fees
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  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in The Dalles averaged 7.11% for the week of 2023-09-14, compared to the national average of 7.18% for the same period.

    The average rate for the prior week (2023-09-07) was 6.85% and one month ago for the week of 2023-08-10, the average rate was 6.49%.

    The Dalles's average rate one year ago was 5.62%.

    For refis of the same type during the week of 2023-09-14, the average rate was 7.58%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-09-14 7.18%
    The Dalles 30 Year Fixed Rate 2023-09-14 7.11%
    The Dalles 30 Year Fixed Rate Refi 2023-09-14 7.58%
    The Dalles 15 Year Fixed Rate 2023-09-14 6.51%
    The Dalles 15 Year Fixed Rate Refi 2023-09-14 7.01%
    The Dalles 30 Year FHA 2023-09-14 6.99%
    The Dalles 30 Year FHA Refi 2023-09-14 6.99%
    The Dalles 30 Year USDA 2023-09-14 7.08%
    The Dalles 30 Year USDA Refi 2023-09-14 6.78%
    The Dalles 30 Year VA 2023-09-14 6.71%
    The Dalles 30 Year VA Refi 2023-09-14 6.91%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within The Dalles, OR.

    The Dalles 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 The Dalles, 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
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 29 4.96% $8,300
    GUILD MORTGAGE COMPANY 21 5.58% $8,428
    QUICKEN LOANS, LLC 21 4.85% $8,757
    LOANDEPOT.COM, LLC 19 4.81% $5,436
    Umpqua Bank 15 4.58% $5,977
    UNITED WHOLESALE MORTGAGE, LLC 15 4.91% $5,943
    DIRECTORS MORTGAGE, INC. 14 5.02% $8,557
    MANN FINANCIAL INC. 13 5.78% $9,533
    Rivermark Community Credit Union 13 4.81% $4,377
    FINANCE OF AMERICA MORTGAGE LLC 11 4.51% $6,630
    Pacific NW Federal Credit Union 10 4.78% $4,526
    Hometown Lenders, Inc. 8 6.28% $6,968
    CROSSCOUNTRY MORTGAGE, LLC 7 4.70% $8,764
    KeyBank 6 4.26% $4,806
    CALIBER HOME LOANS, INC. 5 5.27% $5,480
    Wells Fargo Bank 5 4.50% $3,808
    OnPoint Community Credit Union 5 4.48% $3,572
    AMERISAVE MORTGAGE CORPORATION 4 3.71% $9,210
    PACIFIC RESIDENTIAL MORTGAGE, LLC 4 4.63% $7,371
    PROVIDENT FUNDING ASSOCIATES, L.P. 4 5.84% $5,914
    Sierra Pacific Mortgage Company, Inc. 4 3.81% $5,850
    PENNYMAC LOAN SERVICES, LLC 4 4.41% $4,253
    HOMEBRIDGE FINANCIAL SERVICES, INC. 3 5.75% $8,317
    Unitus Community Credit Union 3 4.88% $4,717
    NEXERA HOLDING LLC 3 8.67% $11,109
    Flagstar Bank, FSB 3 5.25% $3,987
    FREEDOM MORTGAGE CORPORATION 3 4.83% $7,254
    Gateway First Bank 3 4.46% $4,974
    CHERRY CREEK MORTGAGE, LLC 3 3.29% $1,599
    BROKER SOLUTIONS, INC. 2 5.93% $10,346
    GENEVA FINANCIAL, LLC 2 4.13% $5,919
    JPMorgan Chase Bank 2 3.19% $5,269
    MORTGAGE EXPRESS, LLC 2 3.88% $3,117
    Mr. Cooper ( Nationstar Mortgage ) 2 5.18% $11,916
    PENTAGON FEDERAL CREDIT UNION 2 4.19% $6,462
    PREMIER MORTGAGE RESOURCES, L.L.C. 2 4.37% $6,459
    Washington Federal Bank 2 4.50% $5,767
    U.S. Bank 1 5.63% $3,258
    Wyndham Capital Mortgage, Inc. 1 5.13% $3,032
    MUFG Union Bank 1 4.13% $4,618
    NAVY FEDERAL CREDIT UNION 1 5.63% $3,165
    NEWREZ LLC 1 4.13% $4,177
    NexBank 1 5.25% $2,889
    Discover Bank 1 5.99% $0
    NMSI, INC. 1 3.88% $10,242
    Northwest Farm Credit Services, FLCA 1 5.65% $8,366
    CRESCENT MORTGAGE COMPANY 1 5.50% $4,650
    OREGON COMMUNITY 1 3.25% $995
    Consolidated Federal Credit Union 1 4.33% $3,329
    Columbia State Bank 1 5.38% $4,288
    Paramount Residential Mortgage Group, Inc. 1 5.63% $1,307
    CARDINAL FINANCIAL 1 3.88% $9,467
    ACADEMY MORTGAGE CORPORATION 1 4.50% $5,181
    Willamette Valley Bank 1 4.88% $8,667
    CANOPY MORTGAGE, LLC 1 4.50% $6,647
    1st Security Bank of Washington 1 5.00% $7,330
    BETTER MORTGAGE CORPORATION 1 3.88% $2,952
    SECURITYNATIONAL MORTGAGE COMPANY 1 4.88% $7,207
    Bank of the West 1 4.38% $5,878
    Sound Community Bank 1 3.75% $4,898
    Sunflower Bank 1 5.13% $10,298
    Toyota Financial Savings Bank 1 5.13% $4,193
    Truist 1 6.25% $4,244
    Bank of America 1 3.50% $4,868
    AmRes Corporation 1 4.49% $5,537
    FIRST TECHNOLOGY 1 5.88% $2,415
    AMERICAN FINANCING CORPORATION 1 4.88% $6,550
    First Interstate Bank 1 3.25% $4,534
    FIRST CENTENNIAL MORTGAGE CORPORATION 1 3.13% $4,889
    LOANPAL, LLC 1 3.50% $6,353
    EVANSVILLE TEACHERS 1 2.75% $5,093

    The Dalles Average Closing Costs & Other Stats

    The Dalles, OR's 71 lenders originated 626 loans during 2022. The total origination value was $175,700,000, with an average loan value of $280,671.

    The Dalles's average closing costs are $6,030.

    The top The Dalles lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 29 loans originated. Their average total fees are $8,300, which is $128 lower than the next largest lender, GUILD MORTGAGE COMPANY.

    The lowest fee The Dalles lenders (with over 10 loans originated) are Rivermark Community Credit Union ($4,377), Pacific NW Federal Credit Union ($4,526), LOANDEPOT.COM, LLC ($5,436), UNITED WHOLESALE MORTGAGE, LLC ($5,943) and Umpqua Bank ($5,977).

    The lowest rate The Dalles lenders (with over 10 loans originated) are FINANCE OF AMERICA MORTGAGE LLC (4.51%), Umpqua Bank (4.58%), Pacific NW Federal Credit Union (4.78%), LOANDEPOT.COM, LLC (4.81%) and Rivermark Community Credit Union (4.81%).

    The Dalles, 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
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $21,820,000 $16,140,000 -26.0% 9.2%
    Umpqua Bank $9,380,000 $9,690,000 3.3% 5.5%
    UNITED WHOLESALE MORTGAGE, LLC $9,595,000 $9,375,000 -2.3% 5.3%
    QUICKEN LOANS, LLC $18,460,000 $9,160,000 -50.4% 5.2%
    GUILD MORTGAGE COMPANY $15,045,000 $7,910,000 -47.4% 4.5%
    LOANDEPOT.COM, LLC $8,985,000 $7,810,000 -13.1% 4.4%
    Rivermark Community Credit Union $13,480,000 $6,480,000 -51.9% 3.7%
    DIRECTORS MORTGAGE, INC. $8,235,000 $6,075,000 -26.2% 3.5%
    MANN FINANCIAL INC. $15,080,000 $5,485,000 -63.6% 3.1%
    U.S. Bank $7,540,000 $5,320,000 -29.4% 3.0%
    FINANCE OF AMERICA MORTGAGE LLC $16,315,000 $4,915,000 -69.9% 2.8%
    CALIBER HOME LOANS, INC. $16,935,000 $4,625,000 -72.7% 2.6%
    Hometown Lenders, Inc. $900,000 $4,280,000 375.6% 2.4%
    Pacific NW Federal Credit Union $7,550,000 $4,215,000 -44.2% 2.4%
    KeyBank $4,650,000 $3,735,000 -19.7% 2.1%
    CROSSCOUNTRY MORTGAGE, LLC $5,305,000 $3,575,000 -32.6% 2.0%
    Capital One $3,025,000 n/a 1.7%
    First Republic Bank $2,925,000 n/a 1.7%
    PENNYMAC LOAN SERVICES, LLC $5,490,000 $2,575,000 -53.1% 1.5%
    Wells Fargo Bank $6,095,000 $2,565,000 -57.9% 1.5%
    AMERISAVE MORTGAGE CORPORATION $1,510,000 $2,165,000 43.4% 1.2%
    First Federal Savings and Loan Association of Port Angeles $2,160,000 n/a 1.2%
    OnPoint Community Credit Union $2,935,000 $2,145,000 -26.9% 1.2%
    FREEDOM MORTGAGE CORPORATION $6,145,000 $1,835,000 -70.1% 1.0%
    Mortgage Research Center, LLC $2,390,000 $1,835,000 -23.2% 1.0%
    Willamette Valley Bank $1,740,000 n/a 1.0%
    PROVIDENT FUNDING ASSOCIATES, L.P. $1,555,000 $1,620,000 4.2% 0.9%
    Columbia State Bank $2,740,000 $1,535,000 -44.0% 0.9%
    Flagstar Bank, FSB $1,260,000 $1,385,000 9.9% 0.8%
    CHERRY CREEK MORTGAGE, LLC $1,265,000 $1,305,000 3.2% 0.7%
    PACIFIC RESIDENTIAL MORTGAGE, LLC $1,455,000 $1,240,000 -14.8% 0.7%
    NEWREZ LLC $1,800,000 $1,220,000 -32.2% 0.7%
    Washington Federal Bank $1,510,000 $1,185,000 -21.5% 0.7%
    NATIONS DIRECT MORTGAGE, LLC $1,280,000 $1,125,000 -12.1% 0.6%
    USAA Federal Savings Bank $895,000 $1,125,000 25.7% 0.6%
    Gateway First Bank $1,730,000 $1,085,000 -37.3% 0.6%
    BROKER SOLUTIONS, INC. $1,125,000 $1,005,000 -10.7% 0.6%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $2,515,000 $975,000 -61.2% 0.6%
    Paramount Residential Mortgage Group, Inc. $970,000 n/a 0.6%
    First Interstate Bank $1,625,000 $940,000 -42.2% 0.5%
    ACADEMY MORTGAGE CORPORATION $2,270,000 $875,000 -61.5% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $2,855,000 $840,000 -70.6% 0.5%
    Sierra Pacific Mortgage Company, Inc. $1,720,000 $840,000 -51.2% 0.5%
    MORTGAGE EXPRESS, LLC $905,000 $815,000 -9.9% 0.5%
    PENTAGON FEDERAL CREDIT UNION $790,000 n/a 0.4%
    NEXERA HOLDING LLC $305,000 $725,000 137.7% 0.4%
    Bank of the West $345,000 $685,000 98.6% 0.4%
    Northwest Farm Credit Services, FLCA $540,000 $670,000 24.1% 0.4%
    PREMIER MORTGAGE RESOURCES, L.L.C. $1,480,000 $655,000 -55.7% 0.4%
    JPMorgan Chase Bank $630,000 $650,000 3.2% 0.4%
    Farmers Bank & Trust $645,000 n/a 0.4%
    FIRST CENTENNIAL MORTGAGE CORPORATION $245,000 $645,000 163.3% 0.4%
    BETTER MORTGAGE CORPORATION $1,670,000 $600,000 -64.1% 0.3%
    SUMMIT FUNDING, INC. $825,000 $590,000 -28.5% 0.3%
    MUTUAL OF OMAHA MORTGAGE, INC. $135,000 $520,000 285.2% 0.3%
    LONGBRIDGE FINANCIAL, LLC $510,000 n/a 0.3%
    PHH Mortgage Corporation $155,000 $510,000 229.0% 0.3%
    Unitus Community Credit Union $1,900,000 $500,000 -73.7% 0.3%
    BEST CAPITAL FUNDING $495,000 n/a 0.3%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,115,000 $495,000 -55.6% 0.3%
    Bank of America $765,000 $490,000 -35.9% 0.3%
    NAVY FEDERAL CREDIT UNION $815,000 $480,000 -41.1% 0.3%
    FIRST TECHNOLOGY $955,000 $465,000 -51.3% 0.3%
    GENEVA FINANCIAL, LLC $545,000 $450,000 -17.4% 0.3%
    AmRes Corporation $2,565,000 $445,000 -82.7% 0.3%
    Toyota Financial Savings Bank $435,000 n/a 0.2%
    Wyndham Capital Mortgage, Inc. $415,000 n/a 0.2%
    Oregon State Credit Union $530,000 $405,000 -23.6% 0.2%
    21ST MORTGAGE CORPORATION $55,000 $400,000 627.3% 0.2%
    TRIAD FINANCIAL SERVICES, INC. $380,000 n/a 0.2%
    FINANCE OF AMERICA REVERSE LLC $885,000 $370,000 -58.2% 0.2%
    Flanagan State Bank $365,000 n/a 0.2%
    Nations Lending Corporation $1,025,000 $355,000 -65.4% 0.2%
    SECURITYNATIONAL MORTGAGE COMPANY $355,000 n/a 0.2%
    Truist $355,000 n/a 0.2%
    EVANSVILLE TEACHERS $345,000 n/a 0.2%
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY $765,000 $345,000 -54.9% 0.2%
    CRESCENT MORTGAGE COMPANY $335,000 n/a 0.2%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $325,000 n/a 0.2%
    Banner Bank $2,605,000 $315,000 -87.9% 0.2%
    CMG MORTGAGE, INC. $1,730,000 $305,000 -82.4% 0.2%
    Summit Mortgage Corporation $205,000 $305,000 48.8% 0.2%
    Discover Bank $300,000 $300,000 0.0% 0.2%
    Magnolia Bank $600,000 $295,000 -50.8% 0.2%
    MUFG Union Bank $185,000 $295,000 59.5% 0.2%
    CANOPY MORTGAGE, LLC $275,000 n/a 0.2%
    PLANET HOME LENDING, LLC $225,000 $275,000 22.2% 0.2%
    NexBank $265,000 n/a 0.2%
    Sunflower Bank $265,000 n/a 0.2%
    NMSI, INC. $255,000 n/a 0.1%
    Sound Community Bank $255,000 n/a 0.1%
    1st Security Bank of Washington $175,000 $245,000 40.0% 0.1%
    LAKEVIEW LOAN SERVICING, LLC $3,225,000 $245,000 -92.4% 0.1%
    Carrington Mortgage Services, LLC $215,000 n/a 0.1%
    AMERICAN ADVISORS GROUP $350,000 $185,000 -47.1% 0.1%
    Alaska USA Federal Credit Union $85,000 $175,000 105.9% 0.1%
    Consolidated Federal Credit Union $175,000 n/a 0.1%
    Clackamas Federal Credit Union $165,000 n/a 0.1%
    USAGENCIES $165,000 n/a 0.1%
    LOANPAL, LLC $225,000 $155,000 -31.1% 0.1%
    OPEN MORTGAGE, LLC $155,000 n/a 0.1%
    CLEARPATH LENDING $495,000 $135,000 -72.7% 0.1%
    HOME POINT FINANCIAL CORPORATION $3,425,000 $135,000 -96.1% 0.1%
    AMERICAN FINANCING CORPORATION $285,000 $105,000 -63.2% 0.1%
    OREGON COMMUNITY $280,000 $105,000 -62.5% 0.1%
    SOUTHWEST STAGE FUNDING, LLC $105,000 n/a 0.1%
    Barrington Bank & Trust Company, N.A. $520,000 $95,000 -81.7% 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $85,000 n/a 0.0%
    MARION AND POLK SCHOOLS CREDIT UNION $85,000 n/a 0.0%
    ALLIANT CREDIT UNION $55,000 n/a 0.0%
    HomeStreet Bank $575,000 $55,000 -90.4% 0.0%
    PNC Bank $185,000 $55,000 -70.3% 0.0%
    SPRING EQ, LLC $55,000 n/a 0.0%
    Figure Lending LLC $25,000 $35,000 40.0% 0.0%

    The Dalles's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 9.2% market share. In second place, with 5.5%, is Umpqua Bank, having originated $9,690,000 in loans. In third place, with 5.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $9,375,000 in loans. In fourth place, with 5.2%, is QUICKEN LOANS, LLC, having originated $9,160,000 in loans. In fifth place, with 4.5%, is GUILD MORTGAGE COMPANY, having originated $7,910,000 in loans.

    The Dalles Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - The Dalles (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 $283,700 (5.9%) $325,223 (5.6%) 0.00 61
    2018-02-01 $293,450 (6.7%) $336,418 (3.4%) 0.00 51
    2018-03-01 $295,000 (5.7%) $345,863 (8.2%) 0.00 55
    2018-04-01 $329,000 (16.7%) $357,346 (8.3%) 0.00 65
    2018-05-01 $329,000 (13.6%) $369,903 (11.9%) 0.00 64
    2018-06-01 $330,000 (3.6%) $381,844 (11.7%) 0.00 71
    2018-07-01 $326,950 (-2.8%) $370,171 (-4.3%) 0.00 72
    2018-08-01 $329,000 (-4.3%) $362,967 (-5.7%) 0.00 84
    2018-09-01 $299,950 (-11.8%) $353,519 (-6.7%) 0.00 81
    2018-10-01 $296,175 (-7.0%) $357,805 (-3.6%) 0.00 79
    2018-11-01 $303,225 (2.6%) $371,192 (3.3%) 0.00 81
    2018-12-01 $314,950 (7.9%) $383,431 (8.4%) 0.00 72
    2019-01-01 $317,500 (11.9%) $376,056 (15.6%) 0.00 72
    2019-02-01 $312,500 (6.5%) $374,355 (11.3%) 0.00 73
    2019-03-01 $326,429 (10.7%) $378,603 (9.5%) 0.00 69
    2019-04-01 $347,000 (5.5%) $396,403 (10.9%) 0.00 70
    2019-05-01 $337,500 (2.6%) $412,991 (11.7%) 0.00 69
    2019-06-01 $345,000 (4.6%) $416,300 (9.0%) 0.00 97
    2019-07-01 $354,900 (8.6%) $428,179 (15.7%) 0.00 99
    2019-08-01 $348,455 (5.9%) $430,732 (18.7%) 0.00 102
    2019-09-01 $347,636 (15.9%) $435,863 (23.3%) 0.00 105
    2019-10-01 $347,000 (17.2%) $435,686 (21.8%) 0.00 101
    2019-11-01 $338,450 (11.6%) $431,085 (16.1%) 0.00 92
    2019-12-01 $318,675 (1.2%) $420,819 (9.8%) 0.00 85
    2020-01-01 $336,700 (6.1%) $440,707 (17.2%) 0.00 74
    2020-02-01 $344,450 (10.2%) $446,586 (19.3%) 0.00 72
    2020-03-01 $349,450 (7.1%) $461,096 (21.8%) 0.00 76
    2020-04-01 $347,000 (0.0%) $451,675 (13.9%) 0.00 85
    2020-05-01 $349,000 (3.4%) $456,461 (10.5%) 0.00 85
    2020-06-01 $334,700 (-3.0%) $441,045 (5.9%) 0.00 71
    2020-07-01 $342,250 (-3.6%) $449,144 (4.9%) 0.00 67
    2020-08-01 $349,000 (0.2%) $450,506 (4.6%) 0.00 65
    2020-09-01 $349,000 (0.4%) $465,625 (6.8%) 0.00 60
    2020-10-01 $349,900 (0.8%) $502,737 (15.4%) 0.00 50
    2020-11-01 $374,950 (10.8%) $513,337 (19.1%) 0.00 45
    2020-12-01 $365,013 (14.5%) $528,689 (25.6%) 0.00 41
    2021-01-01 $401,900 (19.4%) $538,220 (22.1%) 0.00 33
    2021-02-01 $386,950 (12.3%) $525,368 (17.6%) 0.00 34
    2021-03-01 $394,225 (12.8%) $537,463 (16.6%) 0.00 30
    2021-04-01 $444,500 (28.1%) $596,111 (32.0%) 0.00 26
    2021-05-01 $389,000 (11.5%) $532,899 (16.8%) 0.00 29
    2021-06-01 $382,975 (14.4%) $526,353 (19.3%) 0.00 33
    2021-07-01 $393,750 (15.1%) $573,117 (27.6%) 0.00 23
    2021-08-01 $417,500 (19.6%) $680,263 (51.0%) 0.00 27
    2021-09-01 $422,075 (20.9%) $655,888 (40.9%) 0.00 40
    2021-10-01 $492,500 (40.8%) $702,593 (39.8%) 0.00 34
    2021-11-01 $477,225 (27.3%) $701,535 (36.7%) 0.00 31
    2021-12-01 $489,725 (34.2%) $741,284 (40.2%) 0.00 24
    2022-01-01 $489,000 (21.7%) $683,872 (27.1%) 0.00 21
    2022-02-01 $413,500 (6.9%) $615,088 (17.1%) 0.00 23
    2022-03-01 $431,150 (9.4%) $590,742 (9.9%) 0.00 22
    2022-04-01 $447,000 (0.6%) $626,975 (5.2%) 0.00 22
    2022-05-01 $480,250 (23.5%) $689,288 (29.4%) 0.00 38
    2022-06-01 $474,500 (23.9%) $701,527 (33.3%) 0.00 42
    2022-07-01 $440,000 (11.8%) $618,705 (8.0%) 0.00 58
    2022-08-01 $415,500 (-0.5%) $590,014 (-13.3%) 0.00 60
    2022-09-01 $423,750 (0.4%) $592,181 (-9.7%) 0.00 63
    2022-10-01 $440,000 (-10.7%) $624,474 (-11.1%) 0.00 61
    2022-11-01 $447,125 (-6.3%) $651,177 (-7.2%) 0.00 61
    2022-12-01 $455,000 (-7.1%) $668,691 (-9.8%) 0.00 53
    2023-01-01 $470,000 (-3.9%) $695,993 (1.8%) 0.00 48
    2023-02-01 $450,000 (8.8%) $683,552 (11.1%) 0.00 49
    2023-03-01 $450,000 (4.4%) $670,437 (13.5%) 0.00 51
    2023-04-01 $479,000 (7.2%) $695,123 (10.9%) 0.00 49
    2023-05-01 $495,000 (3.1%) $713,312 (3.5%) 0.00 52
    2023-06-01 $540,000 (13.8%) $743,311 (6.0%) 0.00 57
    2023-07-01 $459,900 (4.5%) $685,245 (10.8%) 0.00 58
    2023-08-01 $468,250 (12.7%) $681,515 (15.5%) 0.00 62
    The Dalles's median listing price for 2023-08-01 was $468,250, a difference of $52,750 (12.7%) versus the prior year and $8,350 versus the prior month.

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

    The Dalles's average listing price for 2023-08-01 was $681,515, a difference of $91,501 (15.5%) versus the prior year and $-3,730 versus the prior month.

    For the 2023-08-01 period, The Dalles had 62 MLS listings, a difference of 4 listings (7%) versus the prior month and 2 listings (3%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - The Dalles (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,877 sqft
    2018-02-01 0 days 1,817 sqft
    2018-03-01 0 days 1,884 sqft
    2018-04-01 0 days 1,910 sqft
    2018-05-01 0 days 1,966 sqft
    2018-06-01 0 days 2,052 sqft
    2018-07-01 0 days 2,033 sqft
    2018-08-01 0 days 2,004 sqft
    2018-09-01 0 days 1,884 sqft
    2018-10-01 0 days 1,859 sqft
    2018-11-01 0 days 1,855 sqft
    2018-12-01 0 days 1,884 sqft
    2019-01-01 0 days 1,875 sqft
    2019-02-01 0 days 1,925 sqft
    2019-03-01 0 days 1,983 sqft
    2019-04-01 0 days 1,999 sqft
    2019-05-01 0 days 1,975 sqft
    2019-06-01 0 days 1,969 sqft
    2019-07-01 0 days 2,006 sqft
    2019-08-01 0 days 2,021 sqft
    2019-09-01 0 days 2,072 sqft
    2019-10-01 0 days 2,131 sqft
    2019-11-01 0 days 2,047 sqft
    2019-12-01 0 days 1,949 sqft
    2020-01-01 0 days 1,880 sqft
    2020-02-01 0 days 1,880 sqft
    2020-03-01 0 days 1,935 sqft
    2020-04-01 0 days 1,880 sqft
    2020-05-01 0 days 1,976 sqft
    2020-06-01 0 days 1,981 sqft
    2020-07-01 0 days 2,008 sqft
    2020-08-01 0 days 1,924 sqft
    2020-09-01 0 days 1,911 sqft
    2020-10-01 0 days 1,956 sqft
    2020-11-01 0 days 1,969 sqft
    2020-12-01 0 days 1,910 sqft
    2021-01-01 0 days 2,000 sqft
    2021-02-01 0 days 2,013 sqft
    2021-03-01 0 days 1,843 sqft
    2021-04-01 0 days 2,098 sqft
    2021-05-01 0 days 1,804 sqft
    2021-06-01 0 days 1,646 sqft
    2021-07-01 0 days 1,716 sqft
    2021-08-01 0 days 1,985 sqft
    2021-09-01 0 days 1,874 sqft
    2021-10-01 0 days 2,076 sqft
    2021-11-01 0 days 2,026 sqft
    2021-12-01 0 days 1,915 sqft
    2022-01-01 0 days 1,902 sqft
    2022-02-01 0 days 1,688 sqft
    2022-03-01 0 days 1,591 sqft
    2022-04-01 0 days 1,750 sqft
    2022-05-01 0 days 1,902 sqft
    2022-06-01 0 days 1,768 sqft
    2022-07-01 0 days 1,815 sqft
    2022-08-01 0 days 1,794 sqft
    2022-09-01 0 days 1,914 sqft
    2022-10-01 0 days 1,864 sqft
    2022-11-01 0 days 1,865 sqft
    2022-12-01 0 days 1,880 sqft
    2023-01-01 0 days 1,876 sqft
    2023-02-01 0 days 1,802 sqft
    2023-03-01 0 days 1,845 sqft
    2023-04-01 0 days 1,815 sqft
    2023-05-01 0 days 1,913 sqft
    2023-06-01 0 days 1,958 sqft
    2023-07-01 0 days 1,940 sqft
    2023-08-01 0 days 1,930 sqft
    The Dalles's median listing age (time on market) for 2023-08-01 was 0 days.

    The Dalles's median square footage for active listings during the 2023-08-01 period was 1,930 sqft. One year prior, the average listing was 1,794 sqft.

    The Dalles, OR Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 318 $108,290,000 $340,535
    Cash Out Refi 146 $35,750,000 $244,863
    Refi 67 $19,535,000 $291,567
    Other 51 $7,135,000 $139,902
    Home Improvement 44 $4,990,000 $113,409

    The Dalles's most frequently cited loan purpose was Home Purchase, with 318 originations. The 2nd most popular reason was Cash Out Refi, with 146 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 160 $43,080,000 $269,250
    4-5% 159 $51,645,000 $324,811
    5-6% 144 $39,830,000 $276,597
    6-7% 74 $18,860,000 $254,865
    2.5-3% 42 $9,840,000 $234,286
    7-8% 18 $4,220,000 $234,444
    Over 8% 17 $2,265,000 $133,235
    <2.5% 9 $2,125,000 $236,111

    During 2022, The Dalles's most frequently originated rate bucket was 3-4%, with 160 originations.

    Loan Sizing (The Dalles, OR MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 314 $92,240,000 $293,758
    $100k-200k 122 $18,240,000 $149,508
    $400k-600k 86 $39,360,000 $457,674
    $100,000 or less 84 $5,350,000 $63,690
    $600k-1000k 14 $9,440,000 $674,286
    $Over $1MM 6 $11,070,000 $1,845,000

    The Dalles's loan sizing saw the bucket of loans from $200k-400k with 314 originations, totaling $92,240,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 220 $78,680,000 $357,636
    60-80% 168 $54,850,000 $326,488
    40-60% 85 $21,675,000 $255,000
    20-40% 81 $11,955,000 $147,593
    Under 20% 62 $4,600,000 $74,194
    Over 100% 5 $2,215,000 $443,000

    The Dalles's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 220 originations, totaling $78,680,000 in origination value.