Top Mortgage Lenders in the The Dalles, OR area

Which mortgage lender in the The Dalles, OR area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the The Dalles, OR area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the The Dalles, OR area is Guild Mortgage Company, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.06%. This means that Guild Mortgage Company provided a -0.06% lower interest rate for its customers than other lenders in The Dalles, OR for a similar set of borrowers. Guild Mortgage Company has a market share of 6.9%. On the other hand, the most popular lender in the market is Caliber Home Loans Inc, with a market share of 17.3%. Caliber Home Loans Inc is also a relatively cheap lender, with a “Rate Difference” of -0.05% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the The Dalles, OR area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in The Dalles, OR is Guild Mortgage Company. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is KeyBank National Association. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Umpqua Bank. The cheapest VA mortgage provider is Caliber Home Loans Inc. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.06% 6.93%
Caliber Home Loans Inc 2, -0.05% 17.33%
KeyBank National Association 3, -0.05% 5.69%
Umpqua Bank 4, -0.03% 8.79%
Us Bank 5, -0.03% 3.96%
Wells Fargo Bank 6, -0.02% 5.07%
Directors Mortgage, Inc 7, 0.00% 11.63%
Fairway Independent Mort Corp 8, 0.00% 10.89%
Finance of America Mortgage 9, 0.02% 6.31%
Quicken Loans 10, 0.06% 14.98%
Mann Mortgage 11, 0.10% 8.42%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.08% 5.49%
KeyBank National Association 2, -0.05% 3.20%
Us Bank 3, -0.05% 2.29%
Wells Fargo Bank 4, -0.03% 5.72%
Umpqua Bank 5, -0.03% 11.67%
Caliber Home Loans Inc 6, -0.02% 19.22%
Directors Mortgage, Inc 7, -0.01% 15.10%
Quicken Loans 8, -0.00% 5.26%
Fairway Independent Mort Corp 9, 0.01% 13.27%
Finance of America Mortgage 10, 0.02% 7.78%
Mann Mortgage 11, 0.13% 10.98%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.10% 15.09%
KeyBank National Association 2, -0.05% 8.63%
Guild Mortgage Company 3, -0.04% 8.63%
Umpqua Bank 4, -0.02% 5.39%
Us Bank 5, -0.02% 5.93%
Fairway Independent Mort Corp 6, 0.00% 8.09%
Wells Fargo Bank 7, 0.01% 4.31%
Mann Mortgage 8, 0.03% 5.39%
Directors Mortgage, Inc 9, 0.04% 7.55%
Finance of America Mortgage 10, 0.04% 4.58%
Quicken Loans 11, 0.07% 26.42%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.07% 7.63%
Caliber Home Loans Inc 2, -0.07% 17.80%
KeyBank National Association 3, -0.06% 6.10%
Us Bank 4, -0.03% 4.24%
Wells Fargo Bank 5, -0.03% 5.25%
Umpqua Bank 6, -0.03% 8.31%
Finance of America Mortgage 7, -0.00% 5.76%
Fairway Independent Mort Corp 8, 0.01% 9.83%
Directors Mortgage, Inc 9, 0.02% 11.02%
Quicken Loans 10, 0.07% 15.93%
Mann Mortgage 11, 0.13% 8.14%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.08% 7.82%
KeyBank National Association 2, -0.07% 3.06%
Us Bank 3, -0.07% 2.04%
Wells Fargo Bank 4, -0.05% 5.78%
Caliber Home Loans Inc 5, -0.03% 20.75%
Finance of America Mortgage 6, -0.03% 7.48%
Umpqua Bank 7, -0.02% 10.88%
Quicken Loans 8, -0.01% 5.44%
Directors Mortgage, Inc 9, 0.01% 14.29%
Fairway Independent Mort Corp 10, 0.02% 11.56%
Mann Mortgage 11, 0.18% 10.88%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.11% 14.86%
Guild Mortgage Company 2, -0.06% 7.43%
KeyBank National Association 3, -0.05% 9.12%
Umpqua Bank 4, -0.03% 5.74%
Us Bank 5, -0.03% 6.42%
Wells Fargo Bank 6, -0.00% 4.73%
Fairway Independent Mort Corp 7, 0.00% 8.11%
Mann Mortgage 8, 0.04% 5.41%
Directors Mortgage, Inc 9, 0.04% 7.77%
Finance of America Mortgage 10, 0.04% 4.05%
Quicken Loans 11, 0.08% 26.35%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Umpqua Bank 1, -0.04% 13.56%
Directors Mortgage, Inc 2, -0.04% 22.03%
Fairway Independent Mort Corp 3, -0.02% 19.49%
Quicken Loans 4, 0.00% 13.56%
Guild Mortgage Company 5, 0.01% 5.08%
Caliber Home Loans Inc 6, 0.03% 10.17%
Mann Mortgage 7, 0.05% 6.78%
Finance of America Mortgage 8, 0.11% 9.32%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Umpqua Bank 1, -0.05% 16.67%
Directors Mortgage, Inc 2, -0.04% 25.56%
Fairway Independent Mort Corp 3, -0.01% 20.00%
Guild Mortgage Company 4, 0.01% 1.11%
Quicken Loans 5, 0.02% 4.44%
Caliber Home Loans Inc 6, 0.03% 13.33%
Mann Mortgage 7, 0.05% 7.78%
Finance of America Mortgage 8, 0.12% 11.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.02% 17.86%
Quicken Loans 2, -0.00% 42.86%
Umpqua Bank 3, 0.00% 3.57%
Guild Mortgage Company 4, 0.01% 17.86%
Directors Mortgage, Inc 5, 0.02% 10.71%
Mann Mortgage 6, 0.02% 3.57%
Finance of America Mortgage 7, 0.02% 3.57%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
KeyBank National Association 1, -0.02% 29.41%
Umpqua Bank 2, -0.01% 5.88%
Finance of America Mortgage 3, -0.01% 2.94%
Us Bank 4, -0.01% 17.65%
Caliber Home Loans Inc 5, 0.01% 11.76%
Wells Fargo Bank 6, 0.01% 23.53%
Mann Mortgage 7, 0.04% 8.82%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
KeyBank National Association 1, -0.02% 22.73%
Us Bank 2, -0.01% 18.18%
Caliber Home Loans Inc 3, -0.00% 9.09%
Wells Fargo Bank 4, 0.01% 36.36%
Mann Mortgage 5, 0.03% 13.64%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
KeyBank National Association 1, -0.01% 41.67%
Umpqua Bank 2, -0.00% 16.67%
Finance of America Mortgage 3, 0.00% 8.33%
Us Bank 4, 0.01% 16.67%
Caliber Home Loans Inc 5, 0.02% 16.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.02% 28.79%
Guild Mortgage Company 2, -0.02% 7.58%
Umpqua Bank 3, -0.01% 6.06%
Directors Mortgage, Inc 4, -0.01% 4.55%
Us Bank 5, 0.01% 1.52%
Quicken Loans 6, 0.01% 16.67%
Finance of America Mortgage 7, 0.01% 7.58%
Wells Fargo Bank 8, 0.02% 3.03%
Mann Mortgage 9, 0.02% 13.64%
Fairway Independent Mort Corp 10, 0.03% 10.61%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Umpqua Bank 1, -0.03% 12.90%
Directors Mortgage, Inc 2, -0.02% 3.23%
Quicken Loans 3, -0.01% 9.68%
Finance of America Mortgage 4, -0.01% 6.45%
Caliber Home Loans Inc 5, 0.00% 29.03%
Fairway Independent Mort Corp 6, 0.01% 19.35%
Mann Mortgage 7, 0.01% 19.35%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.05% 28.57%
Guild Mortgage Company 2, -0.01% 14.29%
Directors Mortgage, Inc 3, 0.00% 5.71%
Mann Mortgage 4, 0.02% 8.57%
Us Bank 5, 0.02% 2.86%
Fairway Independent Mort Corp 6, 0.03% 2.86%
Quicken Loans 7, 0.03% 22.86%
Finance of America Mortgage 8, 0.03% 8.57%
Wells Fargo Bank 9, 0.03% 5.71%

* Data is compiled for the The Dalles, OR commuting zone area, which comprises of counties of Hood River County, OR, Sherman County, OR, Wasco County, OR, and Klickitat County, WA. This includes cities/towns/communities of The Dalles, OR as well as Hood River, OR, White Salmon, WA, Goldendale, WA, Cascade Locks, OR, Odell, OR, Dallesport, WA, Dufur, OR, Chenoweth, OR, and Wasco, OR. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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