Which mortgage lender in the Roseburg, 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 Roseburg, 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 Roseburg, 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 6.8%. On the other hand, the most popular lender in the Roseburg, OR area is Umpqua Bank, with a larger market share of 20.3%. Umpqua Bank is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.07% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Roseburg, 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 Roseburg, OR is First Community Credit Union Oregon. 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 Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Plaza Home Mortgage. 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 Roseburg, OR
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Community Credit Union Oregon | -0.28% | 6.83% | |
| Plaza Home Mortgage | -0.07% | 2.36% | |
| Caliber Home Loans | -0.06% | 9.40% | |
| Banner Bank | -0.05% | 4.55% | |
| USAA | -0.04% | 1.61% | |
| Wells Fargo Bank | -0.04% | 2.52% | |
| Northwest Community Credit Union | -0.04% | 2.65% | |
| loanDepot | -0.03% | 3.02% | |
| US Bank | -0.03% | 4.18% | |
| American Pacific Mortgage | 0.00% | 1.95% | |
| Rogue Credit Union | 0.01% | 2.90% | |
| Flagstar Bank | 0.02% | 2.65% | |
| Summit Funding Inc | 0.03% | 2.48% | |
| GoPrime Mortgage Inc | 0.03% | 4.80% | |
| Stearns Home Loans | 0.05% | 3.56% | |
| Quicken Loans | 0.05% | 10.80% | |
| Guild Mortgage Company | 0.07% | 10.84% | |
| Umpqua Bank | 0.07% | 20.28% | |
| Finance of America Mortgage | 0.07% | 2.61% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Community Credit Union Oregon | -0.23% | 4.92% | |
| US Bank | -0.12% | 2.91% | |
| Plaza Home Mortgage | -0.09% | 3.12% | |
| Wells Fargo Bank | -0.09% | 2.63% | |
| Caliber Home Loans | -0.07% | 10.46% | |
| USAA | -0.06% | 2.29% | |
| Rogue Credit Union | -0.06% | 2.91% | |
| Banner Bank | -0.05% | 5.20% | |
| loanDepot | -0.01% | 1.04% | |
| American Pacific Mortgage | -0.01% | 2.56% | |
| Northwest Community Credit Union | 0.00% | 1.73% | |
| Flagstar Bank | 0.01% | 3.33% | |
| Summit Funding Inc | 0.02% | 3.81% | |
| Quicken Loans | 0.03% | 4.71% | |
| GoPrime Mortgage Inc | 0.04% | 5.20% | |
| Stearns Home Loans | 0.05% | 4.50% | |
| Umpqua Bank | 0.05% | 23.22% | |
| Finance of America Mortgage | 0.08% | 3.47% | |
| Guild Mortgage Company | 0.11% | 11.99% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Community Credit Union Oregon | -0.31% | 9.66% | |
| Northwest Community Credit Union | -0.06% | 4.01% | |
| Banner Bank | -0.03% | 3.60% | |
| loanDepot | -0.03% | 5.96% | |
| Caliber Home Loans | -0.02% | 7.81% | |
| Guild Mortgage Company | -0.01% | 9.15% | |
| Plaza Home Mortgage | -0.01% | 1.23% | |
| USAA | 0.01% | 0.62% | |
| Summit Funding Inc | 0.02% | 0.51% | |
| Flagstar Bank | 0.02% | 1.64% | |
| American Pacific Mortgage | 0.02% | 1.03% | |
| GoPrime Mortgage Inc | 0.02% | 4.21% | |
| Stearns Home Loans | 0.02% | 2.16% | |
| Wells Fargo Bank | 0.03% | 2.36% | |
| Finance of America Mortgage | 0.03% | 1.34% | |
| US Bank | 0.04% | 6.06% | |
| Quicken Loans | 0.06% | 19.84% | |
| Umpqua Bank | 0.11% | 15.93% | |
| Rogue Credit Union | 0.11% | 2.88% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Community Credit Union Oregon | -0.28% | 10.49% | |
| loanDepot | -0.06% | 2.12% | |
| Northwest Community Credit Union | -0.04% | 3.41% | |
| Wells Fargo Bank | -0.04% | 3.15% | |
| US Bank | -0.03% | 5.86% | |
| Caliber Home Loans | -0.02% | 8.24% | |
| Banner Bank | -0.02% | 4.44% | |
| American Pacific Mortgage | -0.01% | 1.35% | |
| USAA | -0.01% | 0.90% | |
| GoPrime Mortgage Inc | 0.01% | 4.25% | |
| Rogue Credit Union | 0.02% | 3.60% | |
| Plaza Home Mortgage | 0.02% | 1.42% | |
| Flagstar Bank | 0.03% | 2.32% | |
| Summit Funding Inc | 0.05% | 1.48% | |
| Stearns Home Loans | 0.05% | 3.28% | |
| Umpqua Bank | 0.08% | 21.94% | |
| Quicken Loans | 0.08% | 11.07% | |
| Finance of America Mortgage | 0.08% | 2.19% | |
| Guild Mortgage Company | 0.08% | 8.49% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Community Credit Union Oregon | -0.23% | 7.76% | |
| US Bank | -0.14% | 3.77% | |
| Wells Fargo Bank | -0.09% | 3.10% | |
| Rogue Credit Union | -0.06% | 3.66% | |
| Caliber Home Loans | -0.05% | 10.53% | |
| American Pacific Mortgage | -0.03% | 1.77% | |
| loanDepot | -0.03% | 0.89% | |
| USAA | -0.02% | 1.33% | |
| Banner Bank | 0.00% | 4.55% | |
| Northwest Community Credit Union | 0.00% | 2.33% | |
| GoPrime Mortgage Inc | 0.01% | 4.21% | |
| Flagstar Bank | 0.02% | 3.10% | |
| Plaza Home Mortgage | 0.03% | 1.77% | |
| Quicken Loans | 0.04% | 4.88% | |
| Summit Funding Inc | 0.04% | 2.33% | |
| Umpqua Bank | 0.06% | 26.27% | |
| Stearns Home Loans | 0.06% | 3.77% | |
| Guild Mortgage Company | 0.09% | 11.09% | |
| Finance of America Mortgage | 0.09% | 2.88% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Community Credit Union Oregon | -0.31% | 14.26% | |
| Northwest Community Credit Union | -0.07% | 4.91% | |
| loanDepot | -0.07% | 3.83% | |
| Banner Bank | -0.04% | 4.29% | |
| Plaza Home Mortgage | -0.01% | 0.92% | |
| USAA | 0.01% | 0.31% | |
| American Pacific Mortgage | 0.01% | 0.77% | |
| GoPrime Mortgage Inc | 0.02% | 4.29% | |
| Summit Funding Inc | 0.02% | 0.31% | |
| Stearns Home Loans | 0.03% | 2.61% | |
| Finance of America Mortgage | 0.03% | 1.23% | |
| Wells Fargo Bank | 0.03% | 3.22% | |
| US Bank | 0.04% | 8.74% | |
| Guild Mortgage Company | 0.04% | 4.91% | |
| Caliber Home Loans | 0.04% | 5.06% | |
| Flagstar Bank | 0.05% | 1.23% | |
| Quicken Loans | 0.10% | 19.63% | |
| Umpqua Bank | 0.11% | 15.95% | |
| Rogue Credit Union | 0.13% | 3.53% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Plaza Home Mortgage | -0.17% | 6.69% | |
| Banner Bank | -0.14% | 6.13% | |
| Caliber Home Loans | -0.10% | 11.14% | |
| Flagstar Bank | -0.01% | 3.62% | |
| loanDepot | -0.01% | 2.79% | |
| US Bank | -0.01% | 0.56% | |
| Wells Fargo Bank | 0.00% | 0.56% | |
| Quicken Loans | 0.00% | 13.37% | |
| Stearns Home Loans | 0.02% | 5.29% | |
| GoPrime Mortgage Inc | 0.02% | 6.13% | |
| Summit Funding Inc | 0.03% | 5.01% | |
| Umpqua Bank | 0.05% | 14.21% | |
| American Pacific Mortgage | 0.06% | 2.51% | |
| Guild Mortgage Company | 0.08% | 16.99% | |
| Finance of America Mortgage | 0.09% | 5.01% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Plaza Home Mortgage | -0.18% | 8.68% | |
| Banner Bank | -0.16% | 7.55% | |
| Caliber Home Loans | -0.13% | 10.94% | |
| Flagstar Bank | -0.02% | 3.77% | |
| US Bank | -0.01% | 0.75% | |
| Wells Fargo Bank | -0.00% | 0.38% | |
| Stearns Home Loans | 0.03% | 6.04% | |
| Quicken Loans | 0.03% | 6.42% | |
| loanDepot | 0.03% | 1.13% | |
| Summit Funding Inc | 0.03% | 6.42% | |
| GoPrime Mortgage Inc | 0.04% | 6.04% | |
| Umpqua Bank | 0.05% | 18.49% | |
| American Pacific Mortgage | 0.07% | 3.02% | |
| Finance of America Mortgage | 0.10% | 6.04% | |
| Guild Mortgage Company | 0.11% | 14.34% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.02% | 11.70% | |
| loanDepot | -0.02% | 7.45% | |
| GoPrime Mortgage Inc | -0.01% | 6.38% | |
| Banner Bank | -0.01% | 2.13% | |
| Quicken Loans | -0.01% | 32.98% | |
| Flagstar Bank | -0.01% | 3.19% | |
| Stearns Home Loans | -0.00% | 3.19% | |
| Wells Fargo Bank | 0.01% | 1.06% | |
| Plaza Home Mortgage | 0.01% | 1.06% | |
| Summit Funding Inc | 0.01% | 1.06% | |
| American Pacific Mortgage | 0.02% | 1.06% | |
| Guild Mortgage Company | 0.02% | 24.47% | |
| Umpqua Bank | 0.02% | 2.13% | |
| Finance of America Mortgage | 0.03% | 2.13% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.01% | 18.18% | |
| Summit Funding Inc | -0.01% | 9.09% | |
| Caliber Home Loans | -0.01% | 9.09% | |
| US Bank | -0.01% | 9.09% | |
| Umpqua Bank | -0.00% | 18.18% | |
| First Community Credit Union Oregon | 0.00% | 18.18% | |
| Banner Bank | 0.03% | 18.18% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.02% | 14.29% | |
| Summit Funding Inc | -0.02% | 14.29% | |
| Umpqua Bank | -0.01% | 14.29% | |
| Caliber Home Loans | -0.01% | 14.29% | |
| First Community Credit Union Oregon | 0.01% | 14.29% | |
| Banner Bank | 0.03% | 28.57% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.01% | 25.00% | |
| US Bank | -0.01% | 25.00% | |
| First Community Credit Union Oregon | 0.00% | 25.00% | |
| Umpqua Bank | 0.01% | 25.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.11% | 11.79% | |
| USAA | -0.07% | 5.08% | |
| Wells Fargo Bank | -0.06% | 1.63% | |
| Plaza Home Mortgage | -0.05% | 2.24% | |
| Banner Bank | -0.05% | 3.46% | |
| Rogue Credit Union | -0.03% | 2.85% | |
| Quicken Loans | -0.02% | 8.33% | |
| American Pacific Mortgage | -0.02% | 3.46% | |
| loanDepot | -0.01% | 6.10% | |
| Northwest Community Credit Union | -0.01% | 2.24% | |
| Summit Funding Inc | -0.01% | 3.66% | |
| US Bank | 0.00% | 1.42% | |
| Flagstar Bank | 0.02% | 3.05% | |
| Finance of America Mortgage | 0.02% | 2.24% | |
| Guild Mortgage Company | 0.04% | 14.02% | |
| Stearns Home Loans | 0.05% | 3.25% | |
| Umpqua Bank | 0.06% | 19.51% | |
| GoPrime Mortgage Inc | 0.09% | 5.69% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.12% | 9.67% | |
| Plaza Home Mortgage | -0.10% | 2.23% | |
| USAA | -0.10% | 7.81% | |
| Banner Bank | -0.08% | 4.46% | |
| Wells Fargo Bank | -0.08% | 2.97% | |
| Rogue Credit Union | -0.06% | 3.35% | |
| American Pacific Mortgage | -0.04% | 4.83% | |
| Quicken Loans | -0.03% | 2.60% | |
| loanDepot | -0.03% | 1.49% | |
| Summit Funding Inc | -0.03% | 5.95% | |
| US Bank | -0.02% | 2.23% | |
| Northwest Community Credit Union | -0.00% | 1.49% | |
| Finance of America Mortgage | 0.01% | 2.97% | |
| Umpqua Bank | 0.02% | 17.84% | |
| Flagstar Bank | 0.02% | 3.72% | |
| Stearns Home Loans | 0.04% | 5.58% | |
| GoPrime Mortgage Inc | 0.09% | 7.81% | |
| Guild Mortgage Company | 0.16% | 13.01% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.09% | 14.35% | |
| Guild Mortgage Company | -0.08% | 15.25% | |
| Flagstar Bank | -0.02% | 2.24% | |
| Northwest Community Credit Union | -0.01% | 3.14% | |
| Quicken Loans | -0.00% | 15.25% | |
| Plaza Home Mortgage | -0.00% | 2.24% | |
| Banner Bank | 0.00% | 2.24% | |
| Stearns Home Loans | 0.01% | 0.45% | |
| loanDepot | 0.01% | 11.66% | |
| Summit Funding Inc | 0.02% | 0.90% | |
| USAA | 0.02% | 1.79% | |
| Finance of America Mortgage | 0.03% | 1.35% | |
| American Pacific Mortgage | 0.03% | 1.79% | |
| Rogue Credit Union | 0.03% | 2.24% | |
| US Bank | 0.04% | 0.45% | |
| GoPrime Mortgage Inc | 0.06% | 3.14% | |
| Umpqua Bank | 0.10% | 21.52% |
* Data is compiled for the Roseburg, OR commuting zone area, which comprises of counties of Coos County, OR, and Douglas County, OR. This includes cities/towns/communities of Roseburg, OR as well as Coos Bay, OR, Sutherlin, OR, North Bend, OR, Winston, OR, Bandon, OR, Green, OR, Coquille, OR, Reedsport, OR, Lookingglass, OR, Myrtle Creek, OR, Roseburg North, OR, Lakeside, OR, Glide, OR, Myrtle Point, OR, Drain, OR, Tri-City, OR, Canyonville, OR, Yoncalla, OR, Barview, OR, and Glendale, 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 Roseburg, OR area. For mortgage lender rankings in other cities, click here.