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, provides an objective and data driven ranking of mortgage lenders operating in the Altamont, 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 Altamont, OR area in terms of interest rate is Land Home Financial Services, with an average “Rate Difference” of -0.14%. This means that, comparing similar borrowers, Land Home Financial Services provided a -0.14% lower interest rate for its customers than other lenders in the area. Land Home Financial Services has a market share of 11.5%. On the other hand, the most popular lender in the Altamont, OR area is Quicken Loans, with a larger market share of 13.8%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.06% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in 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, going by historical data, the cheapest lender for Conventional mortgages in Altamont, OR is Land Home Financial Services. 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 First Community Credit Union Oregon. 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. 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 Altamont, OR

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Land Home Financial Services-0.14%(4.0)11.54%
First Community Credit Union Oregon-0.12%(4.0)2.85%
Stearns Home Loans-0.08%(4.0)8.19%
Flagstar Bank-0.03%(3.5)11.68%
JPMorgan Chase Bank0.00%(3.5)2.71%
Sierra Pacific Mortgage0.01%(3.5)4.70%
Wells Fargo Bank0.01%(3.5)2.28%
Umpqua Bank0.03%(3.5)8.12%
Guild Mortgage Company0.03%(3.5)2.42%
Mr. Cooper0.05%(3.0)2.21%
Caliber Home Loans0.05%(3.0)10.75%
American Pacific Mortgage0.06%(3.0)3.42%
Rogue Credit Union0.06%(3.0)4.63%
Quicken Loans0.06%(3.0)13.82%
Axia Home Loans0.12%(3.0)4.63%
Lender NameRate DifferenceRate RatingMarket Share
Land Home Financial Services-0.09%(4.0)12.04%
Stearns Home Loans-0.09%(4.0)10.21%
First Community Credit Union Oregon-0.04%(3.5)1.83%
Flagstar Bank-0.04%(3.5)13.30%
Wells Fargo Bank-0.01%(3.5)2.52%
Sierra Pacific Mortgage0.00%(3.5)6.08%
JPMorgan Chase Bank0.00%(3.5)2.64%
Umpqua Bank0.01%(3.5)9.17%
Quicken Loans0.03%(3.5)5.73%
Mr. Cooper0.03%(3.5)1.15%
Guild Mortgage Company0.04%(3.5)2.98%
Rogue Credit Union0.05%(3.5)5.16%
American Pacific Mortgage0.07%(3.0)4.13%
Caliber Home Loans0.07%(3.0)13.42%
Axia Home Loans0.15%(3.0)5.62%
Lender NameRate DifferenceRate RatingMarket Share
Land Home Financial Services-0.21%(4.5)10.71%
First Community Credit Union Oregon-0.17%(4.5)4.51%
Stearns Home Loans-0.04%(3.5)4.89%
Flagstar Bank-0.03%(3.5)9.02%
JPMorgan Chase Bank0.00%(3.5)2.82%
Caliber Home Loans0.00%(3.5)6.39%
Guild Mortgage Company0.01%(3.5)1.50%
Sierra Pacific Mortgage0.03%(3.5)2.44%
Wells Fargo Bank0.04%(3.5)1.88%
American Pacific Mortgage0.04%(3.5)2.26%
Axia Home Loans0.05%(3.5)3.01%
Mr. Cooper0.06%(3.0)3.95%
Umpqua Bank0.06%(3.0)6.39%
Quicken Loans0.07%(3.0)27.07%
Rogue Credit Union0.09%(3.0)3.76%
Lender NameRate DifferenceRate RatingMarket Share
Land Home Financial Services-0.16%(4.5)14.63%
First Community Credit Union Oregon-0.12%(4.0)4.14%
Stearns Home Loans-0.11%(4.0)7.21%
JPMorgan Chase Bank0.00%(3.5)3.61%
Sierra Pacific Mortgage0.00%(3.5)3.82%
Wells Fargo Bank0.01%(3.5)3.08%
Flagstar Bank0.03%(3.5)9.76%
Umpqua Bank0.03%(3.5)8.38%
Guild Mortgage Company0.04%(3.5)1.91%
Caliber Home Loans0.04%(3.5)8.48%
Rogue Credit Union0.07%(3.0)6.47%
Mr. Cooper0.07%(3.0)1.80%
Quicken Loans0.07%(3.0)14.42%
American Pacific Mortgage0.08%(3.0)2.65%
Axia Home Loans0.13%(3.0)4.77%
Lender NameRate DifferenceRate RatingMarket Share
Stearns Home Loans-0.12%(4.0)9.38%
Land Home Financial Services-0.12%(4.0)14.89%
First Community Credit Union Oregon-0.04%(3.5)2.76%
Sierra Pacific Mortgage-0.00%(3.5)4.96%
Wells Fargo Bank-0.00%(3.5)3.49%
JPMorgan Chase Bank0.00%(3.5)3.49%
Umpqua Bank0.01%(3.5)9.19%
Mr. Cooper0.04%(3.5)0.37%
Flagstar Bank0.04%(3.5)11.58%
Quicken Loans0.04%(3.5)5.70%
Caliber Home Loans0.04%(3.5)11.58%
Guild Mortgage Company0.04%(3.5)2.57%
Rogue Credit Union0.06%(3.0)7.72%
American Pacific Mortgage0.10%(3.0)3.12%
Axia Home Loans0.17%(2.5)5.70%
Lender NameRate DifferenceRate RatingMarket Share
Land Home Financial Services-0.22%(4.5)14.29%
First Community Credit Union Oregon-0.17%(4.5)6.02%
Stearns Home Loans-0.06%(4.0)4.26%
JPMorgan Chase Bank0.00%(3.5)3.76%
Flagstar Bank0.00%(3.5)7.27%
Guild Mortgage Company0.02%(3.5)1.00%
Sierra Pacific Mortgage0.03%(3.5)2.26%
Wells Fargo Bank0.03%(3.5)2.51%
American Pacific Mortgage0.04%(3.5)2.01%
Caliber Home Loans0.04%(3.5)4.26%
Axia Home Loans0.05%(3.5)3.51%
Mr. Cooper0.07%(3.0)3.76%
Umpqua Bank0.07%(3.0)7.27%
Quicken Loans0.08%(3.0)26.32%
Rogue Credit Union0.10%(3.0)4.76%
Lender NameRate DifferenceRate RatingMarket Share
Flagstar Bank-0.16%(4.5)11.00%
Land Home Financial Services-0.03%(3.5)7.18%
Stearns Home Loans-0.02%(3.5)11.00%
Sierra Pacific Mortgage-0.01%(3.5)7.18%
Caliber Home Loans0.01%(3.5)13.40%
American Pacific Mortgage0.01%(3.5)6.70%
Mr. Cooper0.02%(3.5)5.26%
Quicken Loans0.03%(3.5)16.75%
Guild Mortgage Company0.03%(3.5)5.26%
JPMorgan Chase Bank0.03%(3.5)0.48%
Umpqua Bank0.05%(3.5)7.66%
Axia Home Loans0.14%(3.0)6.22%
Lender NameRate DifferenceRate RatingMarket Share
Flagstar Bank-0.16%(4.5)12.65%
Land Home Financial Services-0.03%(3.5)9.04%
Stearns Home Loans-0.01%(3.5)12.65%
Quicken Loans-0.00%(3.5)7.23%
Sierra Pacific Mortgage-0.00%(3.5)9.04%
American Pacific Mortgage0.02%(3.5)7.23%
Caliber Home Loans0.02%(3.5)13.86%
Mr. Cooper0.03%(3.5)4.22%
JPMorgan Chase Bank0.04%(3.5)0.60%
Guild Mortgage Company0.05%(3.5)5.42%
Umpqua Bank0.05%(3.0)9.64%
Axia Home Loans0.16%(2.5)7.23%
Lender NameRate DifferenceRate RatingMarket Share
Stearns Home Loans-0.05%(3.5)4.65%
Flagstar Bank-0.04%(3.5)4.65%
Guild Mortgage Company-0.03%(3.5)4.65%
Caliber Home Loans-0.03%(3.5)11.63%
Axia Home Loans-0.00%(3.5)2.33%
Mr. Cooper0.00%(3.5)9.30%
American Pacific Mortgage0.01%(3.5)4.65%
Quicken Loans0.02%(3.5)53.49%
Lender NameRate DifferenceRate RatingMarket Share
First Community Credit Union Oregon0.00%(3.5)33.33%
Stearns Home Loans0.00%(3.5)33.33%
JPMorgan Chase Bank0.00%(3.5)33.33%
Lender NameRate DifferenceRate RatingMarket Share
First Community Credit Union Oregon0.00%(3.5)50.00%
JPMorgan Chase Bank0.00%(3.5)50.00%
Lender NameRate DifferenceRate RatingMarket Share
Stearns Home Loans0.00%(3.5)100.00%
Lender NameRate DifferenceRate RatingMarket Share
Flagstar Bank-0.09%(4.0)19.68%
Stearns Home Loans-0.04%(3.5)9.24%
Umpqua Bank-0.03%(3.5)7.63%
Rogue Credit Union0.00%(3.5)1.61%
Wells Fargo Bank0.01%(3.5)1.20%
Land Home Financial Services0.02%(3.5)3.61%
Guild Mortgage Company0.02%(3.5)2.01%
Sierra Pacific Mortgage0.02%(3.5)6.02%
JPMorgan Chase Bank0.02%(3.5)0.80%
Mr. Cooper0.03%(3.5)1.20%
Axia Home Loans0.03%(3.5)2.81%
Quicken Loans0.04%(3.5)9.24%
American Pacific Mortgage0.06%(3.0)3.61%
Caliber Home Loans0.10%(3.0)17.27%
Lender NameRate DifferenceRate RatingMarket Share
Flagstar Bank-0.11%(4.0)20.00%
Stearns Home Loans-0.06%(4.0)10.62%
Umpqua Bank-0.05%(3.5)8.75%
Rogue Credit Union-0.01%(3.5)1.88%
Wells Fargo Bank-0.00%(3.5)1.88%
Mr. Cooper0.00%(3.5)0.62%
Land Home Financial Services0.01%(3.5)5.62%
Sierra Pacific Mortgage0.01%(3.5)6.88%
JPMorgan Chase Bank0.01%(3.5)1.25%
Axia Home Loans0.02%(3.5)3.75%
Guild Mortgage Company0.03%(3.5)1.88%
Quicken Loans0.03%(3.5)4.38%
American Pacific Mortgage0.07%(3.0)4.38%
Caliber Home Loans0.15%(3.0)19.38%
Lender NameRate DifferenceRate RatingMarket Share
Flagstar Bank-0.06%(4.0)19.10%
Caliber Home Loans-0.03%(3.5)13.48%
Stearns Home Loans-0.01%(3.5)6.74%
Umpqua Bank0.01%(3.5)5.62%
Guild Mortgage Company0.01%(3.5)2.25%
Rogue Credit Union0.03%(3.5)1.12%
American Pacific Mortgage0.05%(3.5)2.25%
Sierra Pacific Mortgage0.05%(3.5)4.49%
Quicken Loans0.05%(3.0)17.98%
Mr. Cooper0.05%(3.0)2.25%
Axia Home Loans0.06%(3.0)1.12%

* 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 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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