Top Mortgage Lenders in the Medford, OR area

Which mortgage lender in the Medford, 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 Medford, 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 Medford, OR area is First Community Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.29%. This means that First Community Credit Union provided a -0.29% lower interest rate for its customers than other lenders in Medford, OR for a similar set of borrowers. First Community Credit Union has a market share of 1.3%. On the other hand, the most popular lender in the market is Guild Mortgage Company, with a market share of 13.2%. Guild Mortgage Company is an average rate lender in this area, with a “Rate Difference” of -0.00% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Medford, 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 Medford, OR is First Community Credit Union. 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 CMG Mortgage Inc. The cheapest VA mortgage provider is Cherry Creek Mortgage Co 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
First Community Credit Union 1, -0.29% 1.31%
Us Bank 2, -0.11% 2.08%
Cherry Creek Mortgage Co Inc 3, -0.11% 2.29%
People’s Bank of Commerce 4, -0.10% 2.18%
Synergy One Lending 5, -0.09% 1.04%
LoanDepot 6, -0.08% 3.09%
Sierra Pacific Mortgage 7, -0.06% 0.56%
Banner Bank 8, -0.06% 1.15%
Northwest Community Credit Union 9, -0.05% 0.67%
Usaa Federal Savings Bank 10, -0.05% 1.09%
Mortgage Express 11, -0.04% 1.88%
Stearns Lending 12, -0.04% 0.54%
Caliber Home Loans Inc 13, -0.03% 11.68%
Flagstar Bank 14, -0.03% 0.59%
Umpqua Bank 15, -0.02% 4.94%
Lakeview Loan Servicing 16, -0.02% 0.50%
Mountain West Financial Inc 17, -0.01% 0.98%
Pennymac Loan Services 18, -0.01% 1.39%
JPMorgan Chase Bank 19, -0.01% 1.83%
Carrington Mortgage Services 20, -0.00% 0.67%
Wells Fargo Bank 21, -0.00% 2.07%
Guild Mortgage Company 22, -0.00% 13.16%
KeyBank National Association 23, 0.01% 1.09%
CMG Mortgage Inc 24, 0.02% 1.96%
Movement Mortgage 25, 0.02% 3.46%
Rogue Credit Union 26, 0.03% 10.75%
Quicken Loans 27, 0.03% 9.09%
Pacific Residential Mortgage 28, 0.03% 2.12%
Freedom Mortgage Corporation 29, 0.04% 0.54%
Bank 34 30, 0.08% 0.50%
Willamette Valley Bank 31, 0.08% 5.93%
Evergreen Moneysource Mortgage Company 32, 0.08% 3.41%
The Federal Savings Bank 33, 0.08% 0.59%
Nationstar Mortgage 34, 0.08% 0.90%
Fairway Independent Mort Corp 35, 0.16% 3.94%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Cherry Creek Mortgage Co Inc 1, -0.15% 2.56%
First Community Credit Union 2, -0.15% 0.69%
People’s Bank of Commerce 3, -0.13% 1.35%
Us Bank 4, -0.13% 1.49%
JPMorgan Chase Bank 5, -0.11% 1.18%
Synergy One Lending 6, -0.09% 1.29%
Pennymac Loan Services 7, -0.07% 0.75%
Wells Fargo Bank 8, -0.07% 2.24%
Rogue Credit Union 9, -0.06% 9.11%
LoanDepot 10, -0.06% 1.03%
Usaa Federal Savings Bank 11, -0.05% 1.21%
KeyBank National Association 12, -0.05% 0.46%
Lakeview Loan Servicing 13, -0.05% 0.09%
Mortgage Express 14, -0.05% 1.84%
Umpqua Bank 15, -0.04% 5.54%
Stearns Lending 16, -0.04% 0.66%
Banner Bank 17, -0.04% 1.41%
Flagstar Bank 18, -0.02% 0.52%
Nationstar Mortgage 19, -0.02% 0.14%
Northwest Community Credit Union 20, -0.02% 0.46%
Sierra Pacific Mortgage 21, -0.01% 0.49%
Carrington Mortgage Services 22, -0.01% 0.14%
Caliber Home Loans Inc 23, -0.01% 14.94%
Quicken Loans 24, -0.01% 3.56%
Freedom Mortgage Corporation 25, -0.01% 0.11%
Mountain West Financial Inc 26, -0.00% 1.12%
Guild Mortgage Company 27, 0.01% 17.87%
CMG Mortgage Inc 28, 0.02% 2.99%
Movement Mortgage 29, 0.03% 4.34%
Pacific Residential Mortgage 30, 0.07% 2.47%
Bank 34 31, 0.08% 0.83%
Willamette Valley Bank 32, 0.09% 7.47%
Evergreen Moneysource Mortgage Company 33, 0.10% 4.57%
Fairway Independent Mort Corp 34, 0.17% 5.08%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Community Credit Union 1, -0.34% 2.10%
Sierra Pacific Mortgage 2, -0.10% 0.65%
Banner Bank 3, -0.10% 0.83%
Us Bank 4, -0.09% 2.83%
Synergy One Lending 5, -0.09% 0.73%
Caliber Home Loans Inc 6, -0.09% 7.58%
LoanDepot 7, -0.08% 5.69%
People’s Bank of Commerce 8, -0.08% 3.23%
Northwest Community Credit Union 9, -0.07% 0.94%
Usaa Federal Savings Bank 10, -0.05% 0.94%
Pacific Residential Mortgage 11, -0.04% 1.67%
Mountain West Financial Inc 12, -0.04% 0.80%
Cherry Creek Mortgage Co Inc 13, -0.04% 1.96%
Guild Mortgage Company 14, -0.04% 7.22%
Mortgage Express 15, -0.04% 1.92%
Stearns Lending 16, -0.03% 0.40%
Flagstar Bank 17, -0.03% 0.69%
Movement Mortgage 18, -0.01% 2.36%
Lakeview Loan Servicing 19, -0.01% 1.02%
Carrington Mortgage Services 20, -0.00% 1.34%
Umpqua Bank 21, 0.01% 4.17%
Bank 34 22, 0.01% 0.07%
Pennymac Loan Services 23, 0.01% 2.21%
CMG Mortgage Inc 24, 0.03% 0.65%
KeyBank National Association 25, 0.03% 1.89%
Quicken Loans 26, 0.04% 16.06%
Evergreen Moneysource Mortgage Company 27, 0.04% 1.96%
Freedom Mortgage Corporation 28, 0.04% 1.09%
JPMorgan Chase Bank 29, 0.05% 2.65%
Willamette Valley Bank 30, 0.05% 3.99%
The Federal Savings Bank 31, 0.08% 1.34%
Nationstar Mortgage 32, 0.10% 1.85%
Wells Fargo Bank 33, 0.10% 1.85%
Rogue Credit Union 34, 0.11% 12.84%
Fairway Independent Mort Corp 35, 0.13% 2.50%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Community Credit Union 1, -0.29% 1.76%
Us Bank 2, -0.13% 2.27%
Synergy One Lending 3, -0.11% 1.17%
Cherry Creek Mortgage Co Inc 4, -0.11% 2.23%
People’s Bank of Commerce 5, -0.10% 2.85%
LoanDepot 6, -0.10% 2.69%
Sierra Pacific Mortgage 7, -0.07% 0.53%
Northwest Community Credit Union 8, -0.06% 0.79%
Carrington Mortgage Services 9, -0.06% 0.31%
Lakeview Loan Servicing 10, -0.05% 0.11%
Mortgage Express 11, -0.04% 2.03%
Stearns Lending 12, -0.03% 0.55%
Banner Bank 13, -0.03% 1.12%
Flagstar Bank 14, -0.03% 0.57%
The Federal Savings Bank 15, -0.03% 0.04%
Caliber Home Loans Inc 16, -0.02% 11.69%
Umpqua Bank 17, -0.02% 5.05%
Mountain West Financial Inc 18, -0.02% 0.75%
JPMorgan Chase Bank 19, -0.01% 2.32%
Wells Fargo Bank 20, -0.00% 2.45%
Usaa Federal Savings Bank 21, 0.00% 0.44%
Pennymac Loan Services 22, 0.01% 0.95%
Guild Mortgage Company 23, 0.01% 12.42%
Pacific Residential Mortgage 24, 0.01% 2.01%
KeyBank National Association 25, 0.01% 1.35%
Movement Mortgage 26, 0.02% 3.20%
Rogue Credit Union 27, 0.03% 13.45%
Quicken Loans 28, 0.03% 10.28%
Freedom Mortgage Corporation 29, 0.04% 0.20%
Willamette Valley Bank 30, 0.07% 5.54%
Evergreen Moneysource Mortgage Company 31, 0.08% 3.73%
Bank 34 32, 0.09% 0.57%
CMG Mortgage Inc 33, 0.11% 1.21%
Nationstar Mortgage 34, 0.12% 0.75%
Fairway Independent Mort Corp 35, 0.14% 2.62%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.16% 1.56%
Cherry Creek Mortgage Co Inc 2, -0.16% 2.47%
First Community Credit Union 3, -0.15% 0.95%
People’s Bank of Commerce 4, -0.14% 1.81%
Synergy One Lending 5, -0.11% 1.44%
JPMorgan Chase Bank 6, -0.11% 1.60%
Pennymac Loan Services 7, -0.09% 0.53%
LoanDepot 8, -0.08% 1.03%
Wells Fargo Bank 9, -0.08% 2.63%
Rogue Credit Union 10, -0.06% 11.55%
Lakeview Loan Servicing 11, -0.04% 0.12%
KeyBank National Association 12, -0.04% 0.45%
Mortgage Express 13, -0.04% 2.06%
Stearns Lending 14, -0.03% 0.70%
Umpqua Bank 15, -0.02% 5.75%
Nationstar Mortgage 16, -0.02% 0.08%
Flagstar Bank 17, -0.02% 0.58%
Northwest Community Credit Union 18, -0.01% 0.53%
Quicken Loans 19, 0.00% 4.19%
Mountain West Financial Inc 20, 0.01% 0.82%
Caliber Home Loans Inc 21, 0.01% 15.45%
Carrington Mortgage Services 22, 0.02% 0.04%
Guild Mortgage Company 23, 0.02% 17.80%
Banner Bank 24, 0.02% 1.19%
Sierra Pacific Mortgage 25, 0.02% 0.33%
Usaa Federal Savings Bank 26, 0.02% 0.49%
Movement Mortgage 27, 0.04% 3.99%
Pacific Residential Mortgage 28, 0.06% 2.18%
Willamette Valley Bank 29, 0.08% 6.82%
Evergreen Moneysource Mortgage Company 30, 0.10% 4.97%
Bank 34 31, 0.10% 0.99%
CMG Mortgage Inc 32, 0.13% 1.81%
Fairway Independent Mort Corp 33, 0.13% 3.08%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Community Credit Union 1, -0.35% 2.71%
Sierra Pacific Mortgage 2, -0.12% 0.76%
Us Bank 3, -0.11% 3.09%
Banner Bank 4, -0.11% 1.05%
Synergy One Lending 5, -0.11% 0.86%
LoanDepot 6, -0.10% 4.62%
Caliber Home Loans Inc 7, -0.10% 7.33%
People’s Bank of Commerce 8, -0.09% 4.05%
Northwest Community Credit Union 9, -0.09% 1.09%
Carrington Mortgage Services 10, -0.06% 0.62%
Mountain West Financial Inc 11, -0.06% 0.67%
Pacific Residential Mortgage 12, -0.05% 1.81%
Lakeview Loan Servicing 13, -0.05% 0.10%
Flagstar Bank 14, -0.05% 0.57%
Stearns Lending 15, -0.04% 0.38%
Cherry Creek Mortgage Co Inc 16, -0.04% 1.95%
Mortgage Express 17, -0.04% 2.00%
Usaa Federal Savings Bank 18, -0.04% 0.38%
The Federal Savings Bank 19, -0.03% 0.10%
Guild Mortgage Company 20, -0.02% 6.19%
Movement Mortgage 21, -0.01% 2.28%
Umpqua Bank 22, -0.01% 4.24%
Bank 34 23, 0.01% 0.10%
KeyBank National Association 24, 0.03% 2.38%
CMG Mortgage Inc 25, 0.03% 0.52%
Freedom Mortgage Corporation 26, 0.04% 0.43%
Quicken Loans 27, 0.04% 17.33%
Evergreen Moneysource Mortgage Company 28, 0.04% 2.28%
Pennymac Loan Services 29, 0.05% 1.43%
JPMorgan Chase Bank 30, 0.05% 3.14%
Willamette Valley Bank 31, 0.05% 4.05%
Wells Fargo Bank 32, 0.10% 2.24%
Rogue Credit Union 33, 0.11% 15.66%
Nationstar Mortgage 34, 0.13% 1.52%
Fairway Independent Mort Corp 35, 0.16% 2.09%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
CMG Mortgage Inc 1, -0.16% 5.48%
Banner Bank 2, -0.13% 2.17%
Cherry Creek Mortgage Co Inc 3, -0.11% 2.55%
Mortgage Express 4, -0.08% 2.29%
Caliber Home Loans Inc 5, -0.07% 13.50%
Synergy One Lending 6, -0.05% 0.64%
Sierra Pacific Mortgage 7, -0.05% 0.89%
Umpqua Bank 8, -0.05% 3.69%
Flagstar Bank 9, -0.04% 0.51%
Pennymac Loan Services 10, -0.04% 1.78%
People’s Bank of Commerce 11, -0.03% 0.25%
Stearns Lending 12, -0.03% 0.25%
Freedom Mortgage Corporation 13, -0.03% 0.38%
Guild Mortgage Company 14, -0.03% 18.22%
Mountain West Financial Inc 15, -0.02% 1.40%
The Federal Savings Bank 16, -0.02% 0.13%
LoanDepot 17, -0.02% 2.29%
Rogue Credit Union 18, -0.01% 0.64%
Us Bank 19, -0.01% 0.38%
Carrington Mortgage Services 20, -0.00% 1.40%
Wells Fargo Bank 21, -0.00% 0.13%
Quicken Loans 22, 0.00% 4.84%
Nationstar Mortgage 23, 0.00% 1.78%
Movement Mortgage 24, 0.00% 6.24%
Bank 34 25, 0.02% 0.38%
Lakeview Loan Servicing 26, 0.03% 1.27%
Willamette Valley Bank 27, 0.06% 8.54%
Pacific Residential Mortgage 28, 0.10% 3.18%
Evergreen Moneysource Mortgage Company 29, 0.10% 2.80%
Fairway Independent Mort Corp 30, 0.19% 11.97%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
CMG Mortgage Inc 1, -0.17% 6.82%
Banner Bank 2, -0.14% 2.66%
Cherry Creek Mortgage Co Inc 3, -0.13% 2.83%
Pennymac Loan Services 4, -0.10% 0.83%
Mortgage Express 5, -0.09% 2.00%
Caliber Home Loans Inc 6, -0.08% 14.81%
LoanDepot 7, -0.06% 1.00%
Sierra Pacific Mortgage 8, -0.06% 1.00%
Umpqua Bank 9, -0.06% 4.16%
Synergy One Lending 10, -0.06% 0.83%
Flagstar Bank 11, -0.05% 0.33%
People’s Bank of Commerce 12, -0.05% 0.17%
Carrington Mortgage Services 13, -0.04% 0.33%
Stearns Lending 14, -0.04% 0.33%
Nationstar Mortgage 15, -0.03% 0.33%
Freedom Mortgage Corporation 16, -0.03% 0.17%
Guild Mortgage Company 17, -0.02% 20.13%
Mountain West Financial Inc 18, -0.02% 1.50%
Rogue Credit Union 19, -0.02% 0.67%
Us Bank 20, -0.01% 0.50%
Quicken Loans 21, -0.00% 1.00%
Movement Mortgage 22, 0.01% 6.66%
Bank 34 23, 0.01% 0.50%
Willamette Valley Bank 24, 0.07% 9.82%
Evergreen Moneysource Mortgage Company 25, 0.11% 3.33%
Pacific Residential Mortgage 26, 0.11% 3.66%
Fairway Independent Mort Corp 27, 0.21% 13.64%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.06% 11.96%
Mortgage Express 2, -0.05% 3.26%
Movement Mortgage 3, -0.03% 4.89%
Cherry Creek Mortgage Co Inc 4, -0.02% 1.63%
Mountain West Financial Inc 5, -0.02% 1.09%
Flagstar Bank 6, -0.02% 1.09%
Caliber Home Loans Inc 7, -0.02% 9.24%
Pacific Residential Mortgage 8, -0.01% 1.63%
Freedom Mortgage Corporation 9, -0.01% 1.09%
Willamette Valley Bank 10, -0.01% 4.35%
People’s Bank of Commerce 11, -0.01% 0.54%
Evergreen Moneysource Mortgage Company 12, -0.01% 1.09%
Banner Bank 13, -0.00% 0.54%
CMG Mortgage Inc 14, -0.00% 1.09%
Sierra Pacific Mortgage 15, -0.00% 0.54%
The Federal Savings Bank 16, -0.00% 0.54%
Umpqua Bank 17, 0.00% 2.17%
Rogue Credit Union 18, 0.01% 0.54%
Pennymac Loan Services 19, 0.01% 4.89%
Wells Fargo Bank 20, 0.01% 0.54%
Quicken Loans 21, 0.02% 17.39%
Carrington Mortgage Services 22, 0.02% 4.89%
LoanDepot 23, 0.02% 6.52%
Nationstar Mortgage 24, 0.03% 6.52%
Fairway Independent Mort Corp 25, 0.04% 6.52%
Lakeview Loan Servicing 26, 0.05% 5.43%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
KeyBank National Association 1, -0.04% 7.07%
Us Bank 2, -0.03% 19.19%
Wells Fargo Bank 3, -0.01% 8.08%
Umpqua Bank 4, -0.01% 4.04%
Quicken Loans 5, -0.00% 3.03%
Movement Mortgage 6, 0.00% 1.01%
Rogue Credit Union 7, 0.00% 20.20%
The Federal Savings Bank 8, 0.00% 1.01%
Bank 34 9, 0.01% 1.01%
Sierra Pacific Mortgage 10, 0.01% 1.01%
LoanDepot 11, 0.01% 1.01%
Flagstar Bank 12, 0.01% 1.01%
JPMorgan Chase Bank 13, 0.02% 9.09%
Caliber Home Loans Inc 14, 0.02% 3.03%
Mountain West Financial Inc 15, 0.02% 4.04%
First Community Credit Union 16, 0.02% 2.02%
Fairway Independent Mort Corp 17, 0.02% 2.02%
Guild Mortgage Company 18, 0.03% 5.05%
People’s Bank of Commerce 19, 0.03% 2.02%
Willamette Valley Bank 20, 0.03% 1.01%
Evergreen Moneysource Mortgage Company 21, 0.04% 4.04%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
KeyBank National Association 1, -0.05% 8.62%
Us Bank 2, -0.02% 13.79%
Wells Fargo Bank 3, -0.02% 10.34%
Quicken Loans 4, -0.01% 3.45%
JPMorgan Chase Bank 5, -0.00% 3.45%
Movement Mortgage 6, -0.00% 1.72%
Bank 34 7, 0.00% 1.72%
Sierra Pacific Mortgage 8, 0.01% 1.72%
Flagstar Bank 9, 0.01% 1.72%
Caliber Home Loans Inc 10, 0.01% 5.17%
Mountain West Financial Inc 11, 0.01% 3.45%
Rogue Credit Union 12, 0.01% 24.14%
First Community Credit Union 13, 0.01% 1.72%
Fairway Independent Mort Corp 14, 0.02% 3.45%
Guild Mortgage Company 15, 0.03% 8.62%
Evergreen Moneysource Mortgage Company 16, 0.04% 6.90%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Rogue Credit Union 1, -0.02% 14.63%
Us Bank 2, -0.02% 26.83%
KeyBank National Association 3, -0.01% 4.88%
Umpqua Bank 4, -0.00% 9.76%
Wells Fargo Bank 5, 0.01% 4.88%
The Federal Savings Bank 6, 0.01% 2.44%
Quicken Loans 7, 0.01% 2.44%
LoanDepot 8, 0.02% 2.44%
Mountain West Financial Inc 9, 0.02% 4.88%
JPMorgan Chase Bank 10, 0.03% 17.07%
First Community Credit Union 11, 0.03% 2.44%
People’s Bank of Commerce 12, 0.04% 4.88%
Willamette Valley Bank 13, 0.04% 2.44%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Cherry Creek Mortgage Co Inc 1, -0.10% 2.68%
Caliber Home Loans Inc 2, -0.07% 10.96%
Usaa Federal Savings Bank 3, -0.06% 5.85%
LoanDepot 4, -0.06% 6.33%
Banner Bank 5, -0.06% 0.49%
Stearns Lending 6, -0.04% 0.85%
Guild Mortgage Company 7, -0.04% 13.40%
Lakeview Loan Servicing 8, -0.03% 1.95%
Mortgage Express 9, -0.03% 0.85%
Northwest Community Credit Union 10, -0.02% 0.73%
Sierra Pacific Mortgage 11, -0.02% 0.37%
Pennymac Loan Services 12, -0.02% 3.65%
Wells Fargo Bank 13, -0.01% 1.10%
Rogue Credit Union 14, -0.01% 4.38%
Synergy One Lending 15, -0.01% 0.85%
People’s Bank of Commerce 16, -0.01% 0.37%
Mountain West Financial Inc 17, -0.01% 1.46%
Us Bank 18, -0.00% 0.61%
Umpqua Bank 19, -0.00% 5.60%
Flagstar Bank 20, -0.00% 0.73%
Bank 34 21, 0.00% 0.12%
Quicken Loans 22, 0.01% 7.31%
Pacific Residential Mortgage 23, 0.03% 1.95%
Movement Mortgage 24, 0.03% 2.56%
Carrington Mortgage Services 25, 0.04% 2.07%
Freedom Mortgage Corporation 26, 0.05% 2.68%
Evergreen Moneysource Mortgage Company 27, 0.06% 2.19%
Nationstar Mortgage 28, 0.07% 0.97%
The Federal Savings Bank 29, 0.11% 4.02%
Fairway Independent Mort Corp 30, 0.11% 3.78%
CMG Mortgage Inc 31, 0.13% 2.92%
Willamette Valley Bank 32, 0.13% 6.21%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Cherry Creek Mortgage Co Inc 1, -0.13% 3.08%
Umpqua Bank 2, -0.08% 7.20%
Usaa Federal Savings Bank 3, -0.08% 7.71%
Banner Bank 4, -0.07% 1.03%
Stearns Lending 5, -0.06% 1.03%
Quicken Loans 6, -0.05% 3.60%
Rogue Credit Union 7, -0.05% 4.63%
Northwest Community Credit Union 8, -0.05% 0.77%
Caliber Home Loans Inc 9, -0.04% 13.37%
Sierra Pacific Mortgage 10, -0.04% 0.51%
Flagstar Bank 11, -0.03% 0.26%
Nationstar Mortgage 12, -0.03% 0.26%
Wells Fargo Bank 13, -0.03% 2.06%
Synergy One Lending 14, -0.02% 1.29%
Mortgage Express 15, -0.02% 0.51%
Us Bank 16, -0.02% 0.77%
Pennymac Loan Services 17, -0.02% 2.06%
People’s Bank of Commerce 18, -0.01% 0.51%
Guild Mortgage Company 19, -0.01% 16.20%
Mountain West Financial Inc 20, -0.01% 2.06%
Bank 34 21, -0.01% 0.26%
Carrington Mortgage Services 22, -0.00% 0.51%
Freedom Mortgage Corporation 23, -0.00% 0.77%
Pacific Residential Mortgage 24, 0.03% 2.83%
LoanDepot 25, 0.04% 1.29%
Movement Mortgage 26, 0.05% 3.34%
Evergreen Moneysource Mortgage Company 27, 0.07% 3.60%
Fairway Independent Mort Corp 28, 0.12% 4.63%
CMG Mortgage Inc 29, 0.14% 4.88%
Willamette Valley Bank 30, 0.15% 9.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.11% 8.80%
Guild Mortgage Company 2, -0.08% 10.88%
LoanDepot 3, -0.07% 10.88%
Cherry Creek Mortgage Co Inc 4, -0.06% 2.31%
Usaa Federal Savings Bank 5, -0.04% 4.17%
Mortgage Express 6, -0.02% 1.16%
Lakeview Loan Servicing 7, -0.02% 3.70%
Stearns Lending 8, -0.02% 0.69%
Pennymac Loan Services 9, -0.02% 5.09%
People’s Bank of Commerce 10, -0.01% 0.23%
Mountain West Financial Inc 11, -0.01% 0.93%
Movement Mortgage 12, -0.00% 1.85%
Sierra Pacific Mortgage 13, 0.00% 0.23%
Synergy One Lending 14, 0.01% 0.46%
Northwest Community Credit Union 15, 0.01% 0.69%
Flagstar Bank 16, 0.01% 1.16%
Us Bank 17, 0.01% 0.46%
Wells Fargo Bank 18, 0.01% 0.23%
Pacific Residential Mortgage 19, 0.01% 1.16%
Evergreen Moneysource Mortgage Company 20, 0.02% 0.93%
Rogue Credit Union 21, 0.02% 4.17%
CMG Mortgage Inc 22, 0.03% 1.16%
Quicken Loans 23, 0.03% 10.65%
Carrington Mortgage Services 24, 0.05% 3.47%
Freedom Mortgage Corporation 25, 0.07% 4.40%
Willamette Valley Bank 26, 0.08% 3.70%
Nationstar Mortgage 27, 0.09% 1.62%
Fairway Independent Mort Corp 28, 0.10% 3.01%
Umpqua Bank 29, 0.11% 4.17%
The Federal Savings Bank 30, 0.11% 7.64%

* Data is compiled for the Medford, OR commuting zone area, which comprises of counties of Jackson County, OR, and Josephine County, OR. This includes cities/towns/communities of Medford, OR as well as Grants Pass, OR, Central Point, OR, White City, OR, Ashland, OR, Eagle Point, OR, New Hope, OR, Shady Cove, OR, Phoenix, OR, Rogue River, OR, Jacksonville, OR, Talent, OR, Gold Hill, OR, Cave Junction, OR, Merlin, OR, Ruch, OR, Foots Creek, OR, Prospect, OR, Williams, OR, and Selma, 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.

FB Comments