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, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the The Dalles, 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 The Dalles, OR area in terms of interest rate is Guild Mortgage Company, with an average “Rate Difference” of -0.06%. This means that, comparing similar borrowers, Guild Mortgage Company provided a -0.06% lower interest rate for its customers than other lenders in the area. Guild Mortgage Company has a market share of 6.8%. On the other hand, the most popular lender in the The Dalles, OR area is Caliber Home Loans, with a larger market share of 17.5%. Caliber Home Loans is also a relatively cheap lender, with a “Rate Difference” of -0.05% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in 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, going by historical data, 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 (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is KeyBank. 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. 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 The Dalles, OR
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guild Mortgage Company | -0.06% | 6.77% | |
| Caliber Home Loans | -0.05% | 17.54% | |
| KeyBank | -0.04% | 5.76% | |
| Umpqua Bank | -0.03% | 8.90% | |
| US Bank | -0.03% | 4.01% | |
| Wells Fargo Bank | -0.02% | 5.14% | |
| Fairway Independent Mortgage Corporation | 0.00% | 11.03% | |
| Directors Mortgage | 0.01% | 11.65% | |
| Finance of America Mortgage | 0.03% | 6.27% | |
| Quicken Loans | 0.06% | 14.54% | |
| Mann Mortgage | 0.10% | 8.40% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guild Mortgage Company | -0.08% | 5.53% | |
| KeyBank | -0.05% | 3.23% | |
| US Bank | -0.05% | 2.30% | |
| Umpqua Bank | -0.03% | 11.75% | |
| Wells Fargo Bank | -0.03% | 5.76% | |
| Caliber Home Loans | -0.02% | 19.35% | |
| Directors Mortgage | -0.00% | 14.98% | |
| Quicken Loans | -0.00% | 5.07% | |
| Fairway Independent Mortgage Corporation | 0.01% | 13.36% | |
| Finance of America Mortgage | 0.02% | 7.60% | |
| Mann Mortgage | 0.13% | 11.06% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.09% | 15.38% | |
| Guild Mortgage Company | -0.06% | 8.24% | |
| KeyBank | -0.04% | 8.79% | |
| Umpqua Bank | -0.02% | 5.49% | |
| US Bank | -0.02% | 6.04% | |
| Fairway Independent Mortgage Corporation | 0.00% | 8.24% | |
| Wells Fargo Bank | 0.01% | 4.40% | |
| Mann Mortgage | 0.02% | 5.22% | |
| Directors Mortgage | 0.04% | 7.69% | |
| Finance of America Mortgage | 0.04% | 4.67% | |
| Quicken Loans | 0.07% | 25.82% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guild Mortgage Company | -0.08% | 7.38% | |
| Caliber Home Loans | -0.06% | 18.01% | |
| KeyBank | -0.05% | 6.17% | |
| US Bank | -0.03% | 4.29% | |
| Wells Fargo Bank | -0.03% | 5.32% | |
| Umpqua Bank | -0.03% | 8.40% | |
| Finance of America Mortgage | 0.00% | 5.66% | |
| Fairway Independent Mortgage Corporation | 0.01% | 9.95% | |
| Directors Mortgage | 0.02% | 11.15% | |
| Quicken Loans | 0.07% | 15.61% | |
| Mann Mortgage | 0.13% | 8.06% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guild Mortgage Company | -0.08% | 7.85% | |
| KeyBank | -0.07% | 3.07% | |
| US Bank | -0.07% | 2.05% | |
| Wells Fargo Bank | -0.05% | 5.80% | |
| Caliber Home Loans | -0.03% | 20.82% | |
| Umpqua Bank | -0.02% | 10.92% | |
| Finance of America Mortgage | -0.02% | 7.17% | |
| Quicken Loans | -0.01% | 5.46% | |
| Directors Mortgage | 0.01% | 14.33% | |
| Fairway Independent Mortgage Corporation | 0.02% | 11.60% | |
| Mann Mortgage | 0.18% | 10.92% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.11% | 15.17% | |
| Guild Mortgage Company | -0.08% | 6.90% | |
| KeyBank | -0.05% | 9.31% | |
| Umpqua Bank | -0.03% | 5.86% | |
| US Bank | -0.03% | 6.55% | |
| Wells Fargo Bank | -0.00% | 4.83% | |
| Fairway Independent Mortgage Corporation | 0.01% | 8.28% | |
| Mann Mortgage | 0.03% | 5.17% | |
| Directors Mortgage | 0.04% | 7.93% | |
| Finance of America Mortgage | 0.05% | 4.14% | |
| Quicken Loans | 0.09% | 25.86% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Umpqua Bank | -0.05% | 13.79% | |
| Directors Mortgage | -0.03% | 21.55% | |
| Fairway Independent Mortgage Corporation | -0.02% | 19.83% | |
| Quicken Loans | -0.00% | 12.93% | |
| Guild Mortgage Company | 0.01% | 5.17% | |
| Caliber Home Loans | 0.02% | 10.34% | |
| Mann Mortgage | 0.04% | 6.90% | |
| Finance of America Mortgage | 0.11% | 9.48% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Umpqua Bank | -0.05% | 16.85% | |
| Directors Mortgage | -0.03% | 24.72% | |
| Fairway Independent Mortgage Corporation | -0.02% | 20.22% | |
| Guild Mortgage Company | 0.01% | 1.12% | |
| Quicken Loans | 0.01% | 4.49% | |
| Caliber Home Loans | 0.02% | 13.48% | |
| Mann Mortgage | 0.05% | 7.87% | |
| Finance of America Mortgage | 0.12% | 11.24% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | -0.02% | 18.52% | |
| Quicken Loans | -0.01% | 40.74% | |
| Umpqua Bank | 0.00% | 3.70% | |
| Guild Mortgage Company | 0.01% | 18.52% | |
| Directors Mortgage | 0.02% | 11.11% | |
| Mann Mortgage | 0.02% | 3.70% | |
| Finance of America Mortgage | 0.03% | 3.70% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| KeyBank | -0.01% | 29.41% | |
| US Bank | -0.01% | 17.65% | |
| Umpqua Bank | 0.00% | 5.88% | |
| Finance of America Mortgage | 0.00% | 2.94% | |
| Caliber Home Loans | 0.00% | 11.76% | |
| Wells Fargo Bank | 0.01% | 23.53% | |
| Mann Mortgage | 0.04% | 8.82% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| KeyBank | -0.02% | 22.73% | |
| US Bank | -0.01% | 18.18% | |
| Caliber Home Loans | -0.00% | 9.09% | |
| Wells Fargo Bank | 0.01% | 36.36% | |
| Mann Mortgage | 0.03% | 13.64% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| KeyBank | -0.01% | 41.67% | |
| US Bank | 0.00% | 16.67% | |
| Umpqua Bank | 0.00% | 16.67% | |
| Finance of America Mortgage | 0.01% | 8.33% | |
| Caliber Home Loans | 0.01% | 16.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.02% | 29.23% | |
| Guild Mortgage Company | -0.02% | 7.69% | |
| Umpqua Bank | -0.01% | 6.15% | |
| Directors Mortgage | -0.01% | 4.62% | |
| US Bank | 0.01% | 1.54% | |
| Quicken Loans | 0.01% | 15.38% | |
| Finance of America Mortgage | 0.02% | 7.69% | |
| Wells Fargo Bank | 0.02% | 3.08% | |
| Mann Mortgage | 0.02% | 13.85% | |
| Fairway Independent Mortgage Corporation | 0.03% | 10.77% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Umpqua Bank | -0.03% | 13.33% | |
| Directors Mortgage | -0.02% | 3.33% | |
| Quicken Loans | -0.02% | 6.67% | |
| Finance of America Mortgage | -0.01% | 6.67% | |
| Caliber Home Loans | 0.00% | 30.00% | |
| Fairway Independent Mortgage Corporation | 0.01% | 20.00% | |
| Mann Mortgage | 0.02% | 20.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.05% | 28.57% | |
| Guild Mortgage Company | -0.00% | 14.29% | |
| Directors Mortgage | 0.00% | 5.71% | |
| Mann Mortgage | 0.02% | 8.57% | |
| US Bank | 0.02% | 2.86% | |
| Fairway Independent Mortgage Corporation | 0.03% | 2.86% | |
| Quicken Loans | 0.03% | 22.86% | |
| Finance of America Mortgage | 0.03% | 8.57% | |
| Wells Fargo Bank | 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 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
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