Today's Rates

30 Year Fixed Rate
 Rate  APR  Points
 4.000%  4.115%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.500%  3.702%  0.000%
5 Year Adjustable Rate
 Rate  APR  Points
 3.500%  3.449%  0.000%

Personalized Quote

Personalized Quote

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Home Mortgage


Nikki Smith

AVP, Manager Real Estate Division

  • NMLS Registry Number - 554893

  • Office: 541-618-3339
  • Cell Phone: 541-941-2367
  • Fax: 541-618-3320

  • Email:

  • 750 Biddle Road
    Medford, OR 97504

  • 8:00am – 5:00pm Monday-Friday
    And by appointment

Building personal relationships with my customers is what I enjoy most about my work with People's Bank. I have been with the Rogue Valley's only local bank since it opened in 1998. I pride myself on having the experience and depth of knowledge to help my clients meet their home lending needs, as well as recommending a wide variety of banking solutions.

My energy, sense of humor and upbeat attitude keep me on my toes and striving to go the extra mile for my customers. I look forward to hearing from you about your home lending and banking needs!