Which mortgage lender in the Lincoln City, OR area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Lincoln City, OR area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the Lincoln City, OR area in terms of interest rate is Bank of America, with an average “Rate Difference” of -0.11%. This means that, comparing similar borrowers, Bank of America provided a -0.11% lower interest rate for its customers than other lenders in the area. Bank of America has a market share of 2.7%. On the other hand, the most popular lender in the Lincoln City, OR area is Quicken Loans, with a larger market share of 12.9%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.05% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Lincoln City, 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, going by historical data, Bank of America is the cheapest mortgage provider for Conventional and Jumbo mortgages in Lincoln City, OR. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Caliber Home Loans. The cheapest VA mortgage provider is Stearns Home Loans. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Lincoln City, OR
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank of America | -0.11% | 2.71% | |
| OnPoint Community Credit Union | -0.10% | 2.57% | |
| loanDepot | -0.08% | 2.93% | |
| Caliber Home Loans | -0.05% | 9.02% | |
| US Bank | -0.04% | 7.26% | |
| JPMorgan Chase Bank | -0.03% | 3.01% | |
| USAA | -0.03% | 2.71% | |
| Stearns Home Loans | -0.03% | 2.64% | |
| Columbia Bank | -0.03% | 2.27% | |
| Flagstar Bank | -0.02% | 3.67% | |
| Wells Fargo Bank | -0.02% | 6.96% | |
| Fairway Independent Mortgage Corporation | -0.00% | 2.35% | |
| Umpqua Bank | -0.00% | 7.92% | |
| Movement Mortgage | 0.02% | 3.52% | |
| Sierra Pacific Mortgage | 0.03% | 3.89% | |
| Quicken Loans | 0.05% | 12.90% | |
| Guild Mortgage Company | 0.05% | 10.48% | |
| Evergreen Moneysource Mortgage Company | 0.06% | 7.62% | |
| Finance of America Mortgage | 0.06% | 3.01% | |
| Directors Mortgage | 0.07% | 2.57% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank of America | -0.13% | 3.59% | |
| OnPoint Community Credit Union | -0.11% | 3.23% | |
| Wells Fargo Bank | -0.09% | 6.46% | |
| US Bank | -0.08% | 4.90% | |
| JPMorgan Chase Bank | -0.06% | 2.63% | |
| Columbia Bank | -0.04% | 1.20% | |
| Umpqua Bank | -0.04% | 8.01% | |
| Caliber Home Loans | -0.04% | 9.45% | |
| USAA | -0.04% | 2.75% | |
| Stearns Home Loans | -0.03% | 2.75% | |
| loanDepot | -0.03% | 1.20% | |
| Flagstar Bank | -0.01% | 4.67% | |
| Fairway Independent Mortgage Corporation | 0.03% | 2.39% | |
| Movement Mortgage | 0.03% | 5.02% | |
| Quicken Loans | 0.04% | 7.66% | |
| Sierra Pacific Mortgage | 0.05% | 4.19% | |
| Evergreen Moneysource Mortgage Company | 0.06% | 8.97% | |
| Guild Mortgage Company | 0.08% | 13.40% | |
| Directors Mortgage | 0.08% | 3.71% | |
| Finance of America Mortgage | 0.09% | 3.83% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| loanDepot | -0.10% | 5.68% | |
| Caliber Home Loans | -0.07% | 8.33% | |
| OnPoint Community Credit Union | -0.06% | 1.52% | |
| Fairway Independent Mortgage Corporation | -0.05% | 2.27% | |
| Flagstar Bank | -0.05% | 2.08% | |
| Finance of America Mortgage | -0.04% | 1.70% | |
| Guild Mortgage Company | -0.03% | 5.87% | |
| Bank of America | -0.03% | 1.33% | |
| Columbia Bank | -0.02% | 3.98% | |
| US Bank | -0.02% | 10.98% | |
| Movement Mortgage | -0.02% | 1.14% | |
| USAA | -0.02% | 2.65% | |
| Stearns Home Loans | -0.02% | 2.46% | |
| Directors Mortgage | -0.01% | 0.76% | |
| Sierra Pacific Mortgage | -0.01% | 3.41% | |
| JPMorgan Chase Bank | -0.00% | 3.60% | |
| Quicken Loans | 0.04% | 21.21% | |
| Evergreen Moneysource Mortgage Company | 0.05% | 5.49% | |
| Umpqua Bank | 0.06% | 7.77% | |
| Wells Fargo Bank | 0.07% | 7.77% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank of America | -0.13% | 2.87% | |
| OnPoint Community Credit Union | -0.10% | 3.23% | |
| loanDepot | -0.10% | 2.50% | |
| Caliber Home Loans | -0.06% | 8.32% | |
| USAA | -0.05% | 2.13% | |
| US Bank | -0.05% | 8.32% | |
| JPMorgan Chase Bank | -0.04% | 3.42% | |
| Columbia Bank | -0.03% | 2.50% | |
| Flagstar Bank | -0.03% | 3.23% | |
| Stearns Home Loans | -0.02% | 2.31% | |
| Wells Fargo Bank | -0.02% | 7.86% | |
| Fairway Independent Mortgage Corporation | -0.01% | 2.31% | |
| Umpqua Bank | -0.00% | 8.13% | |
| Movement Mortgage | 0.03% | 3.23% | |
| Sierra Pacific Mortgage | 0.03% | 4.25% | |
| Quicken Loans | 0.05% | 13.68% | |
| Evergreen Moneysource Mortgage Company | 0.06% | 6.75% | |
| Guild Mortgage Company | 0.07% | 10.26% | |
| Finance of America Mortgage | 0.08% | 2.77% | |
| Directors Mortgage | 0.09% | 1.94% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank of America | -0.15% | 3.87% | |
| OnPoint Community Credit Union | -0.11% | 4.18% | |
| Wells Fargo Bank | -0.11% | 7.12% | |
| US Bank | -0.09% | 5.42% | |
| JPMorgan Chase Bank | -0.06% | 3.10% | |
| USAA | -0.06% | 2.32% | |
| Columbia Bank | -0.06% | 1.08% | |
| Umpqua Bank | -0.05% | 8.20% | |
| loanDepot | -0.04% | 1.08% | |
| Caliber Home Loans | -0.04% | 9.44% | |
| Stearns Home Loans | -0.03% | 2.01% | |
| Flagstar Bank | -0.01% | 3.87% | |
| Fairway Independent Mortgage Corporation | 0.03% | 2.48% | |
| Movement Mortgage | 0.04% | 4.95% | |
| Quicken Loans | 0.05% | 7.89% | |
| Evergreen Moneysource Mortgage Company | 0.06% | 7.59% | |
| Sierra Pacific Mortgage | 0.06% | 4.49% | |
| Guild Mortgage Company | 0.10% | 14.24% | |
| Finance of America Mortgage | 0.11% | 4.02% | |
| Directors Mortgage | 0.12% | 2.63% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| loanDepot | -0.13% | 4.59% | |
| Caliber Home Loans | -0.10% | 6.65% | |
| Fairway Independent Mortgage Corporation | -0.07% | 2.06% | |
| OnPoint Community Credit Union | -0.07% | 1.83% | |
| Flagstar Bank | -0.07% | 2.29% | |
| Finance of America Mortgage | -0.06% | 0.92% | |
| Bank of America | -0.04% | 1.38% | |
| Columbia Bank | -0.03% | 4.59% | |
| USAA | -0.03% | 1.83% | |
| US Bank | -0.03% | 12.61% | |
| Stearns Home Loans | -0.02% | 2.75% | |
| Directors Mortgage | -0.02% | 0.92% | |
| Guild Mortgage Company | -0.02% | 4.36% | |
| Sierra Pacific Mortgage | -0.01% | 3.90% | |
| Movement Mortgage | -0.01% | 0.69% | |
| JPMorgan Chase Bank | -0.01% | 3.90% | |
| Quicken Loans | 0.05% | 22.25% | |
| Evergreen Moneysource Mortgage Company | 0.06% | 5.50% | |
| Umpqua Bank | 0.06% | 8.03% | |
| Wells Fargo Bank | 0.07% | 8.94% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.05% | 13.43% | |
| Sierra Pacific Mortgage | -0.03% | 3.73% | |
| Movement Mortgage | -0.03% | 6.72% | |
| Bank of America | -0.02% | 1.49% | |
| Umpqua Bank | -0.02% | 6.72% | |
| Guild Mortgage Company | -0.02% | 11.94% | |
| Flagstar Bank | -0.01% | 8.21% | |
| Stearns Home Loans | -0.00% | 3.73% | |
| Fairway Independent Mortgage Corporation | -0.00% | 3.73% | |
| Quicken Loans | 0.00% | 11.94% | |
| Finance of America Mortgage | 0.02% | 6.72% | |
| loanDepot | 0.02% | 1.49% | |
| Directors Mortgage | 0.04% | 7.46% | |
| Evergreen Moneysource Mortgage Company | 0.07% | 12.69% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.08% | 9.62% | |
| Movement Mortgage | -0.04% | 6.73% | |
| Sierra Pacific Mortgage | -0.04% | 4.81% | |
| Bank of America | -0.03% | 1.92% | |
| Umpqua Bank | -0.03% | 8.65% | |
| Fairway Independent Mortgage Corporation | -0.02% | 1.92% | |
| Guild Mortgage Company | -0.02% | 10.58% | |
| Flagstar Bank | -0.01% | 9.62% | |
| Stearns Home Loans | -0.00% | 4.81% | |
| loanDepot | 0.01% | 0.96% | |
| Quicken Loans | 0.01% | 9.62% | |
| Finance of America Mortgage | 0.03% | 5.77% | |
| Directors Mortgage | 0.04% | 9.62% | |
| Evergreen Moneysource Mortgage Company | 0.07% | 15.38% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.02% | 20.00% | |
| Caliber Home Loans | -0.01% | 26.67% | |
| Movement Mortgage | -0.01% | 6.67% | |
| Guild Mortgage Company | -0.00% | 16.67% | |
| Finance of America Mortgage | 0.01% | 10.00% | |
| Evergreen Moneysource Mortgage Company | 0.01% | 3.33% | |
| Fairway Independent Mortgage Corporation | 0.02% | 10.00% | |
| Flagstar Bank | 0.04% | 3.33% | |
| loanDepot | 0.04% | 3.33% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank of America | -0.01% | 16.67% | |
| Wells Fargo Bank | -0.00% | 20.83% | |
| US Bank | -0.00% | 29.17% | |
| JPMorgan Chase Bank | 0.00% | 16.67% | |
| Columbia Bank | 0.00% | 4.17% | |
| Fairway Independent Mortgage Corporation | 0.02% | 4.17% | |
| Caliber Home Loans | 0.03% | 8.33% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank of America | -0.02% | 17.65% | |
| Wells Fargo Bank | -0.00% | 23.53% | |
| Columbia Bank | 0.00% | 5.88% | |
| US Bank | 0.00% | 23.53% | |
| JPMorgan Chase Bank | 0.00% | 11.76% | |
| Fairway Independent Mortgage Corporation | 0.01% | 5.88% | |
| Caliber Home Loans | 0.03% | 11.76% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.01% | 14.29% | |
| US Bank | -0.00% | 42.86% | |
| JPMorgan Chase Bank | 0.00% | 28.57% | |
| Bank of America | 0.01% | 14.29% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stearns Home Loans | -0.05% | 4.84% | |
| loanDepot | -0.04% | 8.87% | |
| Caliber Home Loans | -0.03% | 10.48% | |
| US Bank | -0.02% | 1.61% | |
| Guild Mortgage Company | -0.02% | 12.90% | |
| Columbia Bank | -0.01% | 2.42% | |
| Wells Fargo Bank | -0.01% | 4.03% | |
| Finance of America Mortgage | -0.00% | 1.61% | |
| Fairway Independent Mortgage Corporation | 0.00% | 0.81% | |
| Flagstar Bank | 0.00% | 3.23% | |
| Sierra Pacific Mortgage | 0.00% | 1.61% | |
| USAA | 0.01% | 11.29% | |
| Movement Mortgage | 0.02% | 3.23% | |
| Evergreen Moneysource Mortgage Company | 0.03% | 11.29% | |
| Quicken Loans | 0.03% | 9.68% | |
| Umpqua Bank | 0.03% | 8.87% | |
| Directors Mortgage | 0.06% | 3.23% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stearns Home Loans | -0.06% | 7.25% | |
| Caliber Home Loans | -0.05% | 8.70% | |
| US Bank | -0.02% | 2.90% | |
| Wells Fargo Bank | -0.02% | 5.80% | |
| Columbia Bank | -0.01% | 2.90% | |
| loanDepot | -0.01% | 2.90% | |
| Quicken Loans | -0.01% | 4.35% | |
| Sierra Pacific Mortgage | -0.00% | 1.45% | |
| Fairway Independent Mortgage Corporation | -0.00% | 1.45% | |
| Flagstar Bank | -0.00% | 5.80% | |
| USAA | 0.00% | 11.59% | |
| Guild Mortgage Company | 0.01% | 13.04% | |
| Umpqua Bank | 0.01% | 7.25% | |
| Movement Mortgage | 0.02% | 4.35% | |
| Evergreen Moneysource Mortgage Company | 0.04% | 14.49% | |
| Directors Mortgage | 0.06% | 5.80% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guild Mortgage Company | -0.04% | 12.73% | |
| loanDepot | -0.04% | 16.36% | |
| Caliber Home Loans | -0.02% | 12.73% | |
| Columbia Bank | -0.01% | 1.82% | |
| Stearns Home Loans | -0.01% | 1.82% | |
| Movement Mortgage | -0.00% | 1.82% | |
| Evergreen Moneysource Mortgage Company | 0.00% | 7.27% | |
| Finance of America Mortgage | 0.00% | 3.64% | |
| Sierra Pacific Mortgage | 0.01% | 1.82% | |
| Wells Fargo Bank | 0.01% | 1.82% | |
| USAA | 0.01% | 10.91% | |
| Quicken Loans | 0.05% | 16.36% | |
| Umpqua Bank | 0.06% | 10.91% |
* Data is compiled for the Lincoln City, OR commuting zone area, which comprises of counties of Lincoln County, OR, and Tillamook County, OR. This includes cities/towns/communities of Lincoln City, OR as well as Newport, OR, Waldport, OR, Tillamook, OR, Pacific City, OR, Bayside Gardens, OR, Rockaway Beach, OR, Lincoln Beach, OR, Toledo, OR, Netarts, OR, Depoe Bay, OR, Rose Lodge, OR, Yachats, OR, Bay City, OR, and Siletz, OR. Lenders must have made at least 30 loans in the area to be included. Source of the data is 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 conditional on the commuting zone, 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 in Other Cities
This page contains information about the top mortgage lenders in the Lincoln City, OR area. For mortgage lender rankings in other cities, click here.