Top Mortgage Lenders in Altamont, OR

Which mortgage lender in the Altamont, 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 Altamont, 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 Altamont, OR area is Land Home Financial Services Inc, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.14%. This means that Land Home Financial Services Inc provided a -0.14% lower interest rate for its customers than other lenders in Altamont, OR for a similar set of borrowers. Land Home Financial Services Inc has a market share of 11.5%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 13.9%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.06% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Altamont, 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 Altamont, OR is Land Home Financial Services Inc. 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 JPMorgan Chase Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Flagstar Bank. The cheapest VA mortgage provider is also Flagstar Bank. 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.

Ranking of Mortgage Lenders in Altamont, OR

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Land Home Financial Services Inc 1, -0.14% 11.50%
First Community Credit Union 2, -0.11% 2.91%
Stearns Lending 3, -0.08% 8.16%
Flagstar Bank 4, -0.03% 11.64%
Usaa Federal Savings Bank 5, -0.03% 2.77%
JPMorgan Chase Bank 6, 0.00% 2.70%
Sierra Pacific Mortgage 7, 0.01% 4.68%
Wells Fargo Bank 8, 0.01% 2.27%
Umpqua Bank 9, 0.03% 8.09%
Guild Mortgage Company 10, 0.03% 2.41%
LoanDepot 11, 0.04% 3.26%
Nationstar Mortgage 12, 0.05% 2.27%
Caliber Home Loans Inc 13, 0.05% 10.72%
American Pacific Mortgage Corporation 14, 0.06% 3.48%
Quicken Loans 15, 0.06% 13.91%
Rogue Credit Union 16, 0.06% 4.61%
Axia Financial 17, 0.12% 4.61%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Land Home Financial Services Inc 1, -0.09% 12.03%
Stearns Lending 2, -0.09% 10.19%
Flagstar Bank 3, -0.04% 13.29%
First Community Credit Union 4, -0.03% 1.95%
Usaa Federal Savings Bank 5, -0.03% 3.44%
Wells Fargo Bank 6, -0.01% 2.52%
JPMorgan Chase Bank 7, 0.00% 2.63%
Sierra Pacific Mortgage 8, 0.00% 6.07%
Umpqua Bank 9, 0.01% 9.16%
LoanDepot 10, 0.02% 0.57%
Quicken Loans 11, 0.03% 5.73%
Nationstar Mortgage 12, 0.03% 1.15%
Guild Mortgage Company 13, 0.04% 2.98%
Rogue Credit Union 14, 0.05% 5.15%
American Pacific Mortgage Corporation 15, 0.07% 4.12%
Caliber Home Loans Inc 16, 0.07% 13.40%
Axia Financial 17, 0.15% 5.61%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Land Home Financial Services Inc 1, -0.21% 10.63%
First Community Credit Union 2, -0.17% 4.48%
Stearns Lending 3, -0.04% 4.85%
Usaa Federal Savings Bank 4, -0.03% 1.68%
Flagstar Bank 5, -0.03% 8.96%
JPMorgan Chase Bank 6, 0.00% 2.80%
Caliber Home Loans Inc 7, 0.00% 6.34%
Guild Mortgage Company 8, 0.01% 1.49%
Sierra Pacific Mortgage 9, 0.03% 2.43%
American Pacific Mortgage Corporation 10, 0.03% 2.43%
LoanDepot 11, 0.04% 7.65%
Wells Fargo Bank 12, 0.04% 1.87%
Axia Financial 13, 0.05% 2.99%
Nationstar Mortgage 14, 0.06% 4.10%
Umpqua Bank 15, 0.06% 6.34%
Quicken Loans 16, 0.07% 27.24%
Rogue Credit Union 17, 0.10% 3.73%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Land Home Financial Services Inc 1, -0.16% 14.60%
First Community Credit Union 2, -0.12% 4.13%
Stearns Lending 3, -0.11% 7.20%
Usaa Federal Savings Bank 4, -0.04% 1.69%
JPMorgan Chase Bank 5, 0.00% 3.60%
Sierra Pacific Mortgage 6, 0.00% 3.81%
Wells Fargo Bank 7, 0.01% 3.07%
Flagstar Bank 8, 0.03% 9.74%
Umpqua Bank 9, 0.04% 8.36%
Guild Mortgage Company 10, 0.04% 1.90%
Caliber Home Loans Inc 11, 0.04% 8.47%
LoanDepot 12, 0.07% 3.17%
Nationstar Mortgage 13, 0.07% 1.90%
Rogue Credit Union 14, 0.07% 6.46%
Quicken Loans 15, 0.07% 14.50%
American Pacific Mortgage Corporation 16, 0.08% 2.65%
Axia Financial 17, 0.13% 4.76%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stearns Lending 1, -0.13% 9.38%
Land Home Financial Services Inc 2, -0.12% 14.89%
First Community Credit Union 3, -0.04% 2.76%
Usaa Federal Savings Bank 4, -0.04% 2.94%
Sierra Pacific Mortgage 5, -0.00% 4.96%
Wells Fargo Bank 6, -0.00% 3.49%
JPMorgan Chase Bank 7, 0.00% 3.49%
Umpqua Bank 8, 0.01% 9.19%
LoanDepot 9, 0.01% 0.55%
Nationstar Mortgage 10, 0.04% 0.37%
Flagstar Bank 11, 0.04% 11.58%
Quicken Loans 12, 0.04% 5.70%
Caliber Home Loans Inc 13, 0.04% 11.58%
Guild Mortgage Company 14, 0.04% 2.57%
Rogue Credit Union 15, 0.06% 7.72%
American Pacific Mortgage Corporation 16, 0.10% 3.12%
Axia Financial 17, 0.17% 5.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Land Home Financial Services Inc 1, -0.21% 14.21%
First Community Credit Union 2, -0.17% 5.99%
Stearns Lending 3, -0.06% 4.24%
JPMorgan Chase Bank 4, 0.00% 3.74%
Flagstar Bank 5, 0.00% 7.23%
Guild Mortgage Company 6, 0.02% 1.00%
Sierra Pacific Mortgage 7, 0.03% 2.24%
Wells Fargo Bank 8, 0.04% 2.49%
American Pacific Mortgage Corporation 9, 0.04% 2.00%
Caliber Home Loans Inc 10, 0.04% 4.24%
Axia Financial 11, 0.05% 3.49%
Nationstar Mortgage 12, 0.06% 3.99%
LoanDepot 13, 0.06% 6.73%
Quicken Loans 14, 0.07% 26.43%
Umpqua Bank 15, 0.08% 7.23%
Rogue Credit Union 16, 0.10% 4.74%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flagstar Bank 1, -0.16% 11.00%
Land Home Financial Services Inc 2, -0.03% 7.18%
Stearns Lending 3, -0.02% 11.00%
Sierra Pacific Mortgage 4, -0.01% 7.18%
LoanDepot 5, 0.00% 1.91%
Caliber Home Loans Inc 6, 0.01% 13.40%
American Pacific Mortgage Corporation 7, 0.01% 6.70%
Nationstar Mortgage 8, 0.02% 5.26%
Quicken Loans 9, 0.03% 16.75%
Guild Mortgage Company 10, 0.03% 5.26%
JPMorgan Chase Bank 11, 0.03% 0.48%
Umpqua Bank 12, 0.05% 7.66%
Axia Financial 13, 0.14% 6.22%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flagstar Bank 1, -0.16% 12.65%
Land Home Financial Services Inc 2, -0.03% 9.04%
Stearns Lending 3, -0.02% 12.65%
Quicken Loans 4, -0.00% 7.23%
Sierra Pacific Mortgage 5, -0.00% 9.04%
American Pacific Mortgage Corporation 6, 0.02% 7.23%
LoanDepot 7, 0.02% 1.20%
Caliber Home Loans Inc 8, 0.02% 13.86%
Nationstar Mortgage 9, 0.03% 4.22%
JPMorgan Chase Bank 10, 0.04% 0.60%
Guild Mortgage Company 11, 0.05% 5.42%
Umpqua Bank 12, 0.05% 9.64%
Axia Financial 13, 0.16% 7.23%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stearns Lending 1, -0.05% 4.65%
Flagstar Bank 2, -0.04% 4.65%
Guild Mortgage Company 3, -0.03% 4.65%
LoanDepot 4, -0.03% 4.65%
Caliber Home Loans Inc 5, -0.03% 11.63%
Axia Financial 6, -0.00% 2.33%
Nationstar Mortgage 7, 0.00% 9.30%
American Pacific Mortgage Corporation 8, 0.01% 4.65%
Quicken Loans 9, 0.02% 53.49%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
JPMorgan Chase Bank 1, -0.02% 25.00%
Stearns Lending 2, -0.00% 25.00%
First Community Credit Union 3, 0.01% 50.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
JPMorgan Chase Bank 1, -0.03% 33.33%
First Community Credit Union 2, 0.01% 66.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stearns Lending 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flagstar Bank 1, -0.09% 19.52%
Stearns Lending 2, -0.04% 9.16%
Umpqua Bank 3, -0.03% 7.57%
Usaa Federal Savings Bank 4, -0.02% 9.16%
LoanDepot 5, -0.02% 4.78%
Rogue Credit Union 6, 0.00% 1.59%
Wells Fargo Bank 7, 0.01% 1.20%
Land Home Financial Services Inc 8, 0.02% 3.59%
Guild Mortgage Company 9, 0.02% 1.99%
Sierra Pacific Mortgage 10, 0.02% 5.98%
JPMorgan Chase Bank 11, 0.02% 0.80%
Nationstar Mortgage 12, 0.03% 1.20%
Axia Financial 13, 0.03% 2.79%
Quicken Loans 14, 0.04% 9.56%
American Pacific Mortgage Corporation 15, 0.06% 3.98%
Caliber Home Loans Inc 16, 0.10% 17.13%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flagstar Bank 1, -0.11% 20.00%
Stearns Lending 2, -0.06% 10.62%
Umpqua Bank 3, -0.05% 8.75%
Usaa Federal Savings Bank 4, -0.03% 8.75%
Rogue Credit Union 5, -0.01% 1.88%
Wells Fargo Bank 6, -0.00% 1.88%
Nationstar Mortgage 7, 0.00% 0.62%
Land Home Financial Services Inc 8, 0.01% 5.62%
Sierra Pacific Mortgage 9, 0.01% 6.88%
JPMorgan Chase Bank 10, 0.01% 1.25%
Axia Financial 11, 0.02% 3.75%
Guild Mortgage Company 12, 0.03% 1.88%
Quicken Loans 13, 0.03% 4.38%
American Pacific Mortgage Corporation 14, 0.07% 4.38%
Caliber Home Loans Inc 15, 0.15% 19.38%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flagstar Bank 1, -0.06% 18.68%
Caliber Home Loans Inc 2, -0.03% 13.19%
Usaa Federal Savings Bank 3, -0.01% 9.89%
Stearns Lending 4, -0.01% 6.59%
LoanDepot 5, 0.00% 13.19%
Umpqua Bank 6, 0.01% 5.49%
Guild Mortgage Company 7, 0.01% 2.20%
Rogue Credit Union 8, 0.03% 1.10%
American Pacific Mortgage Corporation 9, 0.04% 3.30%
Sierra Pacific Mortgage 10, 0.05% 4.40%
Nationstar Mortgage 11, 0.05% 2.20%
Quicken Loans 12, 0.05% 18.68%
Axia Financial 13, 0.06% 1.10%

* Data is compiled for the Altamont, OR commuting zone area, which comprises of counties of Modoc County, CA, Siskiyou County, CA, and Klamath County, OR. This includes cities/towns/communities of Altamont, OR as well as Klamath Falls, OR, Edgewood, CA, Mount Shasta, CA, Yreka, CA, Chiloquin, OR, Gazelle, CA, Montague, CA, Etna, CA, Dunsmuir, CA, Alturas, CA, Tennant, CA, Fort Jones, CA, Bonanza, OR, Merrill, OR, New Pine Creek, CA, Malin, OR, Mount Hebron, CA, Happy Camp, CA, Lake City, CA, Hornbrook, CA, Tulelake, CA, and Lookout, CA. 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.

Mortgage Lender Rankings for Other Cities

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