Top Mortgage Lenders in Medford, OR

Which mortgage lender in the Medford, 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 Medford, OR area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We 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 Medford, OR area in terms of interest rate is First Community Credit Union Oregon, with an average “Rate Difference” of -0.28%. This means that, comparing similar borrowers, First Community Credit Union Oregon provided a -0.28% lower interest rate for its customers than other lenders in the area. First Community Credit Union Oregon has a market share of 1.3%. On the other hand, the most popular lender in the Medford, OR area is Guild Mortgage Company, with a larger market share of 13.2%. Guild Mortgage Company is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.00% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in 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 Oregon. If you want to take out a loan that is above conforming limits (for example, above $548,250 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 CMG Financial. The cheapest VA mortgage provider is Cherry Creek Mortgage. 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 Medford, OR

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
First Community Credit Union Oregon-0.28%(5.0)1.32%
US Bank-0.11%(4.0)2.09%
Cherry Creek Mortgage-0.11%(4.0)2.30%
People’s Bank of Commerce-0.10%(4.0)2.19%
Synergy One Lending-0.09%(4.0)1.05%
loanDepot-0.09%(4.0)3.04%
Sierra Pacific Mortgage-0.06%(4.0)0.56%
Banner Bank-0.06%(4.0)1.16%
Northwest Community Credit Union-0.05%(4.0)0.68%
USAA-0.05%(4.0)1.09%
Mortgage Express-0.04%(3.5)1.88%
Stearns Home Loans-0.04%(3.5)0.55%
Caliber Home Loans-0.03%(3.5)11.71%
Flagstar Bank-0.03%(3.5)0.60%
Umpqua Bank-0.02%(3.5)4.96%
Lakeview Loan Servicing-0.02%(3.5)0.50%
Mountain West Financial-0.02%(3.5)0.98%
PennyMac Loan Services-0.01%(3.5)1.40%
JPMorgan Chase Bank-0.01%(3.5)1.84%
Carrington Mortgage Services-0.00%(3.5)0.68%
Wells Fargo Bank-0.00%(3.5)2.08%
Guild Mortgage Company-0.00%(3.5)13.20%
KeyBank0.01%(3.5)1.09%
CMG Financial0.01%(3.5)1.95%
Movement Mortgage0.02%(3.5)3.46%
Rogue Credit Union0.03%(3.5)10.76%
Quicken Loans0.03%(3.5)8.95%
Pacific Residential Mortgage0.03%(3.5)2.13%
Freedom Mortgage Corporation0.04%(3.5)0.55%
The Federal Savings Bank0.08%(3.0)0.55%
Bank 340.08%(3.0)0.50%
Willamette Valley Bank0.08%(3.0)5.96%
Evergreen Moneysource Mortgage Company0.08%(3.0)3.43%
Mr. Cooper0.09%(3.0)0.87%
Fairway Independent Mortgage Corporation0.16%(2.5)3.96%
Lender NameRate DifferenceRate RatingMarket Share
Cherry Creek Mortgage-0.15%(4.0)2.56%
First Community Credit Union Oregon-0.15%(4.0)0.69%
People’s Bank of Commerce-0.13%(4.0)1.35%
US Bank-0.13%(4.0)1.50%
JPMorgan Chase Bank-0.11%(4.0)1.18%
Synergy One Lending-0.09%(4.0)1.30%
PennyMac Loan Services-0.07%(4.0)0.75%
Wells Fargo Bank-0.07%(4.0)2.25%
Rogue Credit Union-0.06%(4.0)9.08%
loanDepot-0.06%(4.0)1.04%
KeyBank-0.05%(4.0)0.46%
USAA-0.05%(3.5)1.21%
Lakeview Loan Servicing-0.05%(3.5)0.09%
Mortgage Express-0.05%(3.5)1.84%
Stearns Home Loans-0.04%(3.5)0.66%
Umpqua Bank-0.04%(3.5)5.56%
Banner Bank-0.04%(3.5)1.41%
Flagstar Bank-0.02%(3.5)0.52%
Mr. Cooper-0.02%(3.5)0.14%
Northwest Community Credit Union-0.02%(3.5)0.46%
Sierra Pacific Mortgage-0.01%(3.5)0.49%
Carrington Mortgage Services-0.01%(3.5)0.14%
Caliber Home Loans-0.01%(3.5)14.95%
Quicken Loans-0.01%(3.5)3.46%
Freedom Mortgage Corporation-0.01%(3.5)0.12%
Mountain West Financial-0.00%(3.5)1.12%
Guild Mortgage Company0.01%(3.5)17.89%
CMG Financial0.01%(3.5)2.97%
Movement Mortgage0.03%(3.5)4.32%
Pacific Residential Mortgage0.07%(3.0)2.48%
Bank 340.08%(3.0)0.84%
Willamette Valley Bank0.09%(3.0)7.49%
Evergreen Moneysource Mortgage Company0.10%(3.0)4.58%
Fairway Independent Mortgage Corporation0.17%(2.5)5.10%
Lender NameRate DifferenceRate RatingMarket Share
First Community Credit Union Oregon-0.34%(5.0)2.12%
Sierra Pacific Mortgage-0.10%(4.0)0.66%
Banner Bank-0.10%(4.0)0.84%
US Bank-0.09%(4.0)2.85%
Caliber Home Loans-0.09%(4.0)7.59%
Synergy One Lending-0.09%(4.0)0.73%
loanDepot-0.09%(4.0)5.58%
People’s Bank of Commerce-0.08%(4.0)3.25%
Northwest Community Credit Union-0.07%(4.0)0.95%
USAA-0.05%(4.0)0.95%
Pacific Residential Mortgage-0.04%(3.5)1.68%
Mountain West Financial-0.04%(3.5)0.80%
Cherry Creek Mortgage-0.04%(3.5)1.97%
Guild Mortgage Company-0.04%(3.5)7.26%
Stearns Home Loans-0.04%(3.5)0.40%
Mortgage Express-0.03%(3.5)1.93%
Flagstar Bank-0.03%(3.5)0.69%
Movement Mortgage-0.01%(3.5)2.37%
Lakeview Loan Servicing-0.01%(3.5)1.02%
Carrington Mortgage Services-0.00%(3.5)1.35%
Umpqua Bank0.01%(3.5)4.20%
Bank 340.01%(3.5)0.07%
PennyMac Loan Services0.01%(3.5)2.23%
CMG Financial0.03%(3.5)0.66%
KeyBank0.03%(3.5)1.90%
Quicken Loans0.04%(3.5)15.91%
Evergreen Moneysource Mortgage Company0.04%(3.5)1.97%
Freedom Mortgage Corporation0.04%(3.5)1.09%
JPMorgan Chase Bank0.05%(3.0)2.66%
Willamette Valley Bank0.05%(3.0)4.01%
The Federal Savings Bank0.08%(3.0)1.24%
Wells Fargo Bank0.10%(3.0)1.86%
Mr. Cooper0.10%(3.0)1.79%
Rogue Credit Union0.11%(3.0)12.88%
Fairway Independent Mortgage Corporation0.13%(3.0)2.52%
Lender NameRate DifferenceRate RatingMarket Share
First Community Credit Union Oregon-0.29%(5.0)1.77%
US Bank-0.13%(4.0)2.28%
Synergy One Lending-0.11%(4.0)1.17%
loanDepot-0.11%(4.0)2.66%
Cherry Creek Mortgage-0.11%(4.0)2.24%
People’s Bank of Commerce-0.10%(4.0)2.86%
Sierra Pacific Mortgage-0.07%(4.0)0.53%
Northwest Community Credit Union-0.06%(4.0)0.80%
Carrington Mortgage Services-0.06%(4.0)0.31%
Lakeview Loan Servicing-0.05%(3.5)0.11%
Mortgage Express-0.04%(3.5)2.04%
Stearns Home Loans-0.03%(3.5)0.55%
Banner Bank-0.03%(3.5)1.13%
Flagstar Bank-0.03%(3.5)0.58%
The Federal Savings Bank-0.03%(3.5)0.04%
Caliber Home Loans-0.02%(3.5)11.71%
Umpqua Bank-0.02%(3.5)5.07%
Mountain West Financial-0.02%(3.5)0.75%
JPMorgan Chase Bank-0.01%(3.5)2.32%
Wells Fargo Bank-0.00%(3.5)2.46%
USAA-0.00%(3.5)0.44%
PennyMac Loan Services0.01%(3.5)0.95%
Guild Mortgage Company0.01%(3.5)12.46%
Pacific Residential Mortgage0.01%(3.5)2.01%
KeyBank0.01%(3.5)1.35%
Movement Mortgage0.02%(3.5)3.19%
Rogue Credit Union0.03%(3.5)13.46%
Quicken Loans0.03%(3.5)10.14%
Freedom Mortgage Corporation0.04%(3.5)0.20%
Willamette Valley Bank0.07%(3.0)5.56%
Evergreen Moneysource Mortgage Company0.08%(3.0)3.74%
Bank 340.09%(3.0)0.58%
CMG Financial0.11%(3.0)1.22%
Mr. Cooper0.13%(3.0)0.71%
Fairway Independent Mortgage Corporation0.14%(3.0)2.63%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.16%(4.5)1.57%
Cherry Creek Mortgage-0.16%(4.5)2.47%
First Community Credit Union Oregon-0.15%(4.0)0.95%
People’s Bank of Commerce-0.14%(4.0)1.81%
Synergy One Lending-0.11%(4.0)1.44%
JPMorgan Chase Bank-0.11%(4.0)1.61%
PennyMac Loan Services-0.09%(4.0)0.54%
loanDepot-0.08%(4.0)1.03%
Wells Fargo Bank-0.08%(4.0)2.64%
Rogue Credit Union-0.06%(4.0)11.49%
Lakeview Loan Servicing-0.05%(3.5)0.12%
KeyBank-0.04%(3.5)0.45%
Mortgage Express-0.04%(3.5)2.06%
Stearns Home Loans-0.03%(3.5)0.70%
Umpqua Bank-0.02%(3.5)5.77%
Mr. Cooper-0.02%(3.5)0.08%
Flagstar Bank-0.02%(3.5)0.58%
Northwest Community Credit Union-0.01%(3.5)0.54%
Quicken Loans-0.00%(3.5)4.12%
Mountain West Financial0.01%(3.5)0.82%
Caliber Home Loans0.01%(3.5)15.49%
Carrington Mortgage Services0.02%(3.5)0.04%
Guild Mortgage Company0.02%(3.5)17.83%
Banner Bank0.02%(3.5)1.19%
USAA0.02%(3.5)0.49%
Sierra Pacific Mortgage0.02%(3.5)0.33%
Movement Mortgage0.04%(3.5)3.95%
Pacific Residential Mortgage0.06%(3.0)2.18%
Willamette Valley Bank0.08%(3.0)6.84%
Evergreen Moneysource Mortgage Company0.10%(3.0)4.98%
Bank 340.10%(3.0)0.99%
CMG Financial0.13%(3.0)1.81%
Fairway Independent Mortgage Corporation0.14%(3.0)3.09%
Lender NameRate DifferenceRate RatingMarket Share
First Community Credit Union Oregon-0.35%(5.0)2.73%
loanDepot-0.12%(4.0)4.55%
Sierra Pacific Mortgage-0.12%(4.0)0.77%
US Bank-0.11%(4.0)3.11%
Banner Bank-0.11%(4.0)1.05%
Synergy One Lending-0.11%(4.0)0.86%
Caliber Home Loans-0.10%(4.0)7.32%
People’s Bank of Commerce-0.09%(4.0)4.07%
Northwest Community Credit Union-0.09%(4.0)1.10%
Carrington Mortgage Services-0.06%(4.0)0.62%
Mountain West Financial-0.06%(4.0)0.67%
Pacific Residential Mortgage-0.05%(4.0)1.82%
Lakeview Loan Servicing-0.05%(4.0)0.10%
Flagstar Bank-0.05%(3.5)0.57%
Stearns Home Loans-0.04%(3.5)0.38%
USAA-0.04%(3.5)0.38%
Cherry Creek Mortgage-0.04%(3.5)1.96%
The Federal Savings Bank-0.04%(3.5)0.10%
Mortgage Express-0.04%(3.5)2.01%
Guild Mortgage Company-0.02%(3.5)6.22%
Movement Mortgage-0.01%(3.5)2.30%
Umpqua Bank-0.01%(3.5)4.26%
Bank 340.01%(3.5)0.10%
KeyBank0.02%(3.5)2.39%
CMG Financial0.03%(3.5)0.53%
Freedom Mortgage Corporation0.04%(3.5)0.43%
Quicken Loans0.04%(3.5)17.13%
Evergreen Moneysource Mortgage Company0.04%(3.5)2.30%
PennyMac Loan Services0.05%(3.5)1.44%
JPMorgan Chase Bank0.05%(3.0)3.16%
Willamette Valley Bank0.05%(3.0)4.07%
Wells Fargo Bank0.10%(3.0)2.25%
Rogue Credit Union0.11%(3.0)15.74%
Mr. Cooper0.13%(3.0)1.44%
Fairway Independent Mortgage Corporation0.16%(2.5)2.11%
Lender NameRate DifferenceRate RatingMarket Share
CMG Financial-0.16%(4.5)5.48%
Banner Bank-0.13%(4.0)2.17%
Cherry Creek Mortgage-0.11%(4.0)2.55%
Mortgage Express-0.08%(4.0)2.29%
Caliber Home Loans-0.07%(4.0)13.50%
Synergy One Lending-0.05%(4.0)0.64%
Sierra Pacific Mortgage-0.05%(3.5)0.89%
Umpqua Bank-0.05%(3.5)3.69%
Flagstar Bank-0.04%(3.5)0.51%
PennyMac Loan Services-0.04%(3.5)1.78%
People’s Bank of Commerce-0.03%(3.5)0.25%
Stearns Home Loans-0.03%(3.5)0.25%
Freedom Mortgage Corporation-0.03%(3.5)0.38%
Guild Mortgage Company-0.03%(3.5)18.22%
Mountain West Financial-0.02%(3.5)1.40%
The Federal Savings Bank-0.02%(3.5)0.13%
loanDepot-0.02%(3.5)2.29%
Rogue Credit Union-0.01%(3.5)0.64%
US Bank-0.01%(3.5)0.38%
Carrington Mortgage Services-0.00%(3.5)1.40%
Wells Fargo Bank-0.00%(3.5)0.13%
Quicken Loans0.00%(3.5)4.84%
Mr. Cooper0.00%(3.5)1.78%
Movement Mortgage0.00%(3.5)6.24%
Bank 340.02%(3.5)0.38%
Lakeview Loan Servicing0.03%(3.5)1.27%
Willamette Valley Bank0.06%(3.0)8.54%
Pacific Residential Mortgage0.10%(3.0)3.18%
Evergreen Moneysource Mortgage Company0.10%(3.0)2.80%
Fairway Independent Mortgage Corporation0.19%(2.5)11.97%
Lender NameRate DifferenceRate RatingMarket Share
CMG Financial-0.17%(4.5)6.82%
Banner Bank-0.14%(4.0)2.66%
Cherry Creek Mortgage-0.13%(4.0)2.83%
PennyMac Loan Services-0.10%(4.0)0.83%
Mortgage Express-0.09%(4.0)2.00%
Caliber Home Loans-0.08%(4.0)14.81%
loanDepot-0.06%(4.0)1.00%
Sierra Pacific Mortgage-0.06%(4.0)1.00%
Umpqua Bank-0.06%(4.0)4.16%
Synergy One Lending-0.06%(4.0)0.83%
Flagstar Bank-0.05%(4.0)0.33%
People’s Bank of Commerce-0.05%(3.5)0.17%
Carrington Mortgage Services-0.04%(3.5)0.33%
Stearns Home Loans-0.04%(3.5)0.33%
Mr. Cooper-0.03%(3.5)0.33%
Freedom Mortgage Corporation-0.03%(3.5)0.17%
Guild Mortgage Company-0.02%(3.5)20.13%
Mountain West Financial-0.02%(3.5)1.50%
Rogue Credit Union-0.02%(3.5)0.67%
US Bank-0.01%(3.5)0.50%
Quicken Loans-0.00%(3.5)1.00%
Movement Mortgage0.01%(3.5)6.66%
Bank 340.01%(3.5)0.50%
Willamette Valley Bank0.07%(3.0)9.82%
Evergreen Moneysource Mortgage Company0.11%(3.0)3.33%
Pacific Residential Mortgage0.11%(3.0)3.66%
Fairway Independent Mortgage Corporation0.21%(2.5)13.64%
Lender NameRate DifferenceRate RatingMarket Share
Guild Mortgage Company-0.06%(4.0)11.96%
Mortgage Express-0.05%(3.5)3.26%
Movement Mortgage-0.03%(3.5)4.89%
Cherry Creek Mortgage-0.02%(3.5)1.63%
Mountain West Financial-0.02%(3.5)1.09%
Flagstar Bank-0.02%(3.5)1.09%
Caliber Home Loans-0.02%(3.5)9.24%
Pacific Residential Mortgage-0.01%(3.5)1.63%
Freedom Mortgage Corporation-0.01%(3.5)1.09%
Willamette Valley Bank-0.01%(3.5)4.35%
People’s Bank of Commerce-0.01%(3.5)0.54%
Evergreen Moneysource Mortgage Company-0.01%(3.5)1.09%
Banner Bank-0.00%(3.5)0.54%
CMG Financial-0.00%(3.5)1.09%
Sierra Pacific Mortgage-0.00%(3.5)0.54%
The Federal Savings Bank-0.00%(3.5)0.54%
Umpqua Bank0.00%(3.5)2.17%
Rogue Credit Union0.01%(3.5)0.54%
PennyMac Loan Services0.01%(3.5)4.89%
Wells Fargo Bank0.01%(3.5)0.54%
Quicken Loans0.02%(3.5)17.39%
Carrington Mortgage Services0.02%(3.5)4.89%
loanDepot0.02%(3.5)6.52%
Mr. Cooper0.03%(3.5)6.52%
Fairway Independent Mortgage Corporation0.04%(3.5)6.52%
Lakeview Loan Servicing0.05%(3.0)5.43%
Lender NameRate DifferenceRate RatingMarket Share
KeyBank-0.03%(3.5)7.37%
US Bank-0.03%(3.5)20.00%
Wells Fargo Bank-0.01%(3.5)8.42%
Umpqua Bank-0.01%(3.5)4.21%
Quicken Loans0.00%(3.5)2.11%
Movement Mortgage0.00%(3.5)1.05%
Bank 340.01%(3.5)1.05%
Rogue Credit Union0.01%(3.5)20.00%
Sierra Pacific Mortgage0.01%(3.5)1.05%
loanDepot0.01%(3.5)1.05%
Flagstar Bank0.01%(3.5)1.05%
JPMorgan Chase Bank0.01%(3.5)9.47%
Guild Mortgage Company0.02%(3.5)4.21%
Caliber Home Loans0.02%(3.5)3.16%
Mountain West Financial0.02%(3.5)4.21%
First Community Credit Union Oregon0.02%(3.5)2.11%
Fairway Independent Mortgage Corporation0.02%(3.5)2.11%
People’s Bank of Commerce0.03%(3.5)2.11%
Willamette Valley Bank0.03%(3.5)1.05%
Evergreen Moneysource Mortgage Company0.04%(3.5)4.21%
Lender NameRate DifferenceRate RatingMarket Share
KeyBank-0.05%(3.5)8.93%
Wells Fargo Bank-0.02%(3.5)10.71%
US Bank-0.02%(3.5)14.29%
Quicken Loans-0.01%(3.5)1.79%
JPMorgan Chase Bank-0.00%(3.5)3.57%
Movement Mortgage-0.00%(3.5)1.79%
Bank 340.00%(3.5)1.79%
Sierra Pacific Mortgage0.01%(3.5)1.79%
Flagstar Bank0.01%(3.5)1.79%
Guild Mortgage Company0.01%(3.5)7.14%
Caliber Home Loans0.01%(3.5)5.36%
Mountain West Financial0.01%(3.5)3.57%
Rogue Credit Union0.02%(3.5)25.00%
First Community Credit Union Oregon0.02%(3.5)1.79%
Fairway Independent Mortgage Corporation0.02%(3.5)3.57%
Evergreen Moneysource Mortgage Company0.04%(3.5)7.14%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.03%(3.5)28.21%
Rogue Credit Union-0.02%(3.5)12.82%
KeyBank-0.01%(3.5)5.13%
Umpqua Bank-0.00%(3.5)10.26%
Wells Fargo Bank0.01%(3.5)5.13%
Quicken Loans0.01%(3.5)2.56%
loanDepot0.02%(3.5)2.56%
JPMorgan Chase Bank0.02%(3.5)17.95%
Mountain West Financial0.02%(3.5)5.13%
First Community Credit Union Oregon0.03%(3.5)2.56%
People’s Bank of Commerce0.04%(3.5)5.13%
Willamette Valley Bank0.04%(3.5)2.56%
Lender NameRate DifferenceRate RatingMarket Share
Cherry Creek Mortgage-0.10%(4.0)2.71%
Caliber Home Loans-0.07%(4.0)10.95%
Banner Bank-0.06%(4.0)0.49%
USAA-0.06%(4.0)5.90%
loanDepot-0.06%(4.0)6.15%
Stearns Home Loans-0.04%(3.5)0.86%
Guild Mortgage Company-0.04%(3.5)13.53%
Lakeview Loan Servicing-0.03%(3.5)1.97%
Mortgage Express-0.03%(3.5)0.86%
Northwest Community Credit Union-0.02%(3.5)0.74%
Sierra Pacific Mortgage-0.02%(3.5)0.37%
PennyMac Loan Services-0.02%(3.5)3.69%
Wells Fargo Bank-0.01%(3.5)1.11%
Rogue Credit Union-0.01%(3.5)4.43%
Synergy One Lending-0.01%(3.5)0.86%
People’s Bank of Commerce-0.01%(3.5)0.37%
US Bank-0.01%(3.5)0.62%
Mountain West Financial-0.01%(3.5)1.48%
Flagstar Bank-0.00%(3.5)0.74%
Umpqua Bank-0.00%(3.5)5.66%
Bank 340.00%(3.5)0.12%
Quicken Loans0.01%(3.5)7.13%
Pacific Residential Mortgage0.03%(3.5)1.97%
Movement Mortgage0.03%(3.5)2.58%
Carrington Mortgage Services0.04%(3.5)2.09%
Freedom Mortgage Corporation0.05%(3.0)2.71%
Evergreen Moneysource Mortgage Company0.06%(3.0)2.21%
Mr. Cooper0.07%(3.0)0.98%
The Federal Savings Bank0.10%(3.0)3.81%
CMG Financial0.11%(3.0)2.83%
Fairway Independent Mortgage Corporation0.11%(3.0)3.81%
Willamette Valley Bank0.13%(3.0)6.27%
Lender NameRate DifferenceRate RatingMarket Share
Cherry Creek Mortgage-0.13%(4.0)3.11%
Umpqua Bank-0.08%(4.0)7.25%
USAA-0.08%(4.0)7.77%
Banner Bank-0.07%(4.0)1.04%
Stearns Home Loans-0.06%(4.0)1.04%
Rogue Credit Union-0.05%(4.0)4.66%
Northwest Community Credit Union-0.05%(4.0)0.78%
Caliber Home Loans-0.05%(3.5)13.21%
Quicken Loans-0.04%(3.5)3.37%
Sierra Pacific Mortgage-0.04%(3.5)0.52%
Flagstar Bank-0.03%(3.5)0.26%
Mr. Cooper-0.03%(3.5)0.26%
Wells Fargo Bank-0.03%(3.5)2.07%
Synergy One Lending-0.02%(3.5)1.30%
US Bank-0.02%(3.5)0.78%
Mortgage Express-0.02%(3.5)0.52%
PennyMac Loan Services-0.02%(3.5)2.07%
People’s Bank of Commerce-0.01%(3.5)0.52%
Mountain West Financial-0.01%(3.5)2.07%
Guild Mortgage Company-0.01%(3.5)16.32%
Bank 34-0.01%(3.5)0.26%
Carrington Mortgage Services-0.00%(3.5)0.52%
Freedom Mortgage Corporation-0.00%(3.5)0.78%
Pacific Residential Mortgage0.03%(3.5)2.85%
loanDepot0.04%(3.5)1.30%
Movement Mortgage0.05%(3.0)3.37%
Evergreen Moneysource Mortgage Company0.07%(3.0)3.63%
Fairway Independent Mortgage Corporation0.12%(3.0)4.66%
CMG Financial0.13%(3.0)4.66%
Willamette Valley Bank0.15%(2.5)9.07%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.11%(4.0)8.90%
Guild Mortgage Company-0.08%(4.0)11.01%
loanDepot-0.06%(4.0)10.54%
Cherry Creek Mortgage-0.06%(4.0)2.34%
USAA-0.04%(3.5)4.22%
Mortgage Express-0.02%(3.5)1.17%
Lakeview Loan Servicing-0.02%(3.5)3.75%
Stearns Home Loans-0.02%(3.5)0.70%
PennyMac Loan Services-0.02%(3.5)5.15%
People’s Bank of Commerce-0.01%(3.5)0.23%
Mountain West Financial-0.01%(3.5)0.94%
Movement Mortgage-0.00%(3.5)1.87%
Sierra Pacific Mortgage0.00%(3.5)0.23%
Synergy One Lending0.01%(3.5)0.47%
Northwest Community Credit Union0.01%(3.5)0.70%
Flagstar Bank0.01%(3.5)1.17%
US Bank0.01%(3.5)0.47%
Wells Fargo Bank0.01%(3.5)0.23%
Pacific Residential Mortgage0.01%(3.5)1.17%
Evergreen Moneysource Mortgage Company0.02%(3.5)0.94%
Rogue Credit Union0.02%(3.5)4.22%
CMG Financial0.03%(3.5)1.17%
Quicken Loans0.03%(3.5)10.54%
Carrington Mortgage Services0.06%(3.0)3.51%
Freedom Mortgage Corporation0.07%(3.0)4.45%
Willamette Valley Bank0.08%(3.0)3.75%
Mr. Cooper0.09%(3.0)1.64%
Fairway Independent Mortgage Corporation0.10%(3.0)3.04%
The Federal Savings Bank0.10%(3.0)7.26%
Umpqua Bank0.11%(3.0)4.22%

* 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 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.

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