Roseburg FHA Loan Rates, Closing Costs & Stats

Roseburg, OR

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Roseburg's 69 lenders originated 320 FHA loans during 2024. The total origination value was $94,430,000, with an average FHA loan value of $295,094.

    Roseburg FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Roseburg averaged 6.33% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

    Roseburg's average FHA mortgage closing costs are $9,741.

    The average rate for the prior week (2025-03-28) was 6.43% and one month ago for the week of 2025-02-28, the average rate was 6.32%.

    The average rate one year ago was 6.63%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.89%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Roseburg FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Roseburg level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 33 6.13% $14,141
    GoPrime Mortgage, Inc. 22 6.31% $14,132
    QUICKEN LOANS, LLC 20 6.28% $11,101
    NEWREZ LLC 18 6.30% $11,104
    CMG MORTGAGE, INC. 14 6.33% $12,065
    Century Mortgage Company DBA Century Lending Company 12 6.15% $13,006
    SUMMIT FUNDING, INC. 10 6.66% $15,800
    LOANDEPOT.COM, LLC 8 6.83% $15,670
    DIRECTORS MORTGAGE, INC. 8 6.72% $17,032
    Flagstar Bank, FSB 8 6.42% $9,454
    PREMIER MORTGAGE RESOURCES, L.L.C. 7 6.62% $12,708
    AMERICAN PACIFIC MORTGAGE CORPORATION 7 6.45% $14,194
    NOVA FINANCIAL & INVESTMENT CORPORATION 6 6.88% $13,207
    BROKER SOLUTIONS, INC. 6 6.52% $14,950
    Golden Empire Mortgage, Inc. 6 6.79% $10,755
    PENNYMAC LOAN SERVICES, LLC 5 6.48% $14,111
    CROSSCOUNTRY MORTGAGE, LLC 5 6.35% $16,209
    FREEDOM MORTGAGE CORPORATION 5 6.90% $12,246
    GUILD MORTGAGE COMPANY 4 6.44% $12,870
    PLAZA HOME MORTGAGE, INC. 4 6.50% $12,827
    Equity Prime Mortgage LLC 4 6.53% $13,846
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.47% $13,326
    Mortgage Research Center, LLC 4 6.62% $6,458
    ENVOY MORTGAGE, LTD 3 5.92% $10,489
    U.S. Bank 3 6.42% $11,343
    Umpqua Bank 3 6.17% $13,775
    AMERICAN FINANCIAL RESOURCES, INC. 2 6.56% $17,036
    AMERISAVE MORTGAGE CORPORATION 2 6.19% $13,969
    Banner Bank 2 5.94% $17,829
    CHURCHILL MORTGAGE CORPORATION 2 6.75% $11,661
    DAS Acquisition Company, LLC 2 6.94% $15,023
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 5.99% $5,444
    LAKEVIEW LOAN SERVICING, LLC 2 6.58% $7,667
    Loan Simple, Inc. 2 6.69% $18,854
    MICHIGAN MUTUAL, INC. 2 6.75% $9,217
    MID AMERICA MORTGAGE, INC. 2 6.25% $5,063
    MOVEMENT MORTGAGE, LLC 2 6.50% $16,622
    TruHome Solutions, LLC 2 5.81% $11,308
    LEADERONE FINANCIAL CORPORATION 1 6.50% $9,760
    Willamette Valley Bank 1 5.75% $14,253
    NATIONS DIRECT MORTGAGE, LLC 1 6.25% $13,272
    Nations Lending Corporation 1 6.13% $14,582
    Lakeview Community Capital, LLC 1 5.99% $17,305
    JMAC LENDING, INC. 1 7.00% $9,363
    OCEANSIDE MORTGAGE COMPANY 1 6.25% $3,951
    OCMBC, INC. 1 7.75% $23,338
    GENEVA FINANCIAL, LLC 1 5.63% $15,279
    PLANET HOME LENDING, LLC 1 5.63% $20,141
    First Federal Bank 1 6.00% $10,083
    CARDINAL FINANCIAL 1 6.75% $11,862
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.75% $15,980
    Prosperity Home Mortgage, LLC 1 6.49% $15,247
    CANOPY MORTGAGE, LLC 1 5.50% $24,514
    RANLIFE, INC. 1 7.25% $7,374
    S1L, Inc. 1 5.13% $14,686
    Servion, Inc. 1 6.25% $10,562
    Sierra Pacific Mortgage Company, Inc. 1 6.88% $19,470
    SIRVA MORTGAGE, INC. 1 6.88% $6,588
    CALCON MUTUAL MORTGAGE LLC 1 7.13% $15,767
    SUN WEST MORTGAGE COMPANY, INC. 1 5.88% $24,998
    The Loan Store, Inc. 1 5.25% $13,608
    ZILLOW HOME LOANS, LLC 1 5.75% $12,391
    Boeing Employees Credit Union 1 6.88% $9,462
    BAY EQUITY LLC 1 6.75% $12,599
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.75% $10,850
    VILLAGE CAPITAL MORTGAGE 1 6.25% $1,456
    V.I.P. MORTGAGE, INC. 1 6.13% $10,490
    MLD MORTGAGE INC. 1 6.13% $20,104
    MORTGAGE EXPRESS, LLC 1 6.13% $14,014

    The top Roseburg FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 33 FHA loans originated. Their average total fees are $14,141, which is $8 higher than the next largest lender, GoPrime Mortgage, Inc..

    The lowest fee Roseburg FHA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC ($11,101), NEWREZ LLC ($11,104), CMG MORTGAGE, INC. ($12,065), Century Mortgage Company DBA Century Lending Company ($13,006) and GoPrime Mortgage, Inc. ($14,132).

    The lowest rate Roseburg FHA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.13%), Century Mortgage Company DBA Century Lending Company (6.15%), QUICKEN LOANS, LLC (6.28%), NEWREZ LLC (6.30%) and GoPrime Mortgage, Inc. (6.31%).

    Roseburg FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    ROSEBURG, OR DOUGLAS 2022 $420,680 $538,650 $651,050 $809,150
    ROSEBURG, OR DOUGLAS 2023 $472,030 $604,400 $730,525 $907,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Roseburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $306,975 (20.4%) $449,079 (21.0%) 0.00 383
    2018-02-01 $304,950 (16.4%) $453,735 (21.7%) 0.00 392
    2018-03-01 $299,000 (4.9%) $452,392 (16.4%) 0.00 398
    2018-04-01 $323,725 (12.0%) $464,881 (15.8%) 0.00 413
    2018-05-01 $325,000 (0.0%) $465,026 (12.7%) 0.00 427
    2018-06-01 $319,000 (0.3%) $437,026 (8.2%) 0.00 495
    2018-07-01 $309,100 (-4.9%) $437,149 (-1.0%) 0.00 514
    2018-08-01 $299,950 (-3.6%) $421,719 (-3.6%) 0.00 539
    2018-09-01 $298,250 (0.1%) $418,383 (-0.8%) 0.00 531
    2018-10-01 $298,700 (2.2%) $428,014 (2.3%) 0.00 507
    2018-11-01 $299,598 (1.0%) $441,058 (0.6%) 0.00 460
    2018-12-01 $299,900 (1.7%) $448,220 (1.5%) 0.00 454
    2019-01-01 $303,748 (-1.1%) $446,084 (-0.7%) 0.00 446
    2019-02-01 $316,250 (3.7%) $452,123 (-0.4%) 0.00 437
    2019-03-01 $324,950 (8.7%) $455,448 (0.7%) 0.00 417
    2019-04-01 $324,950 (0.4%) $451,342 (-2.9%) 0.00 403
    2019-05-01 $331,150 (1.9%) $459,343 (-1.2%) 0.00 413
    2019-06-01 $335,000 (5.0%) $460,367 (5.3%) 0.00 467
    2019-07-01 $337,450 (9.2%) $457,865 (4.7%) 0.00 478
    2019-08-01 $333,500 (11.2%) $444,587 (5.4%) 0.00 480
    2019-09-01 $331,250 (11.1%) $432,897 (3.5%) 0.00 467
    2019-10-01 $327,225 (9.6%) $412,827 (-3.6%) 0.00 439
    2019-11-01 $305,000 (1.8%) $397,730 (-9.8%) 0.00 416
    2019-12-01 $291,075 (-2.9%) $382,332 (-14.7%) 0.00 392
    2020-01-01 $302,125 (-0.5%) $379,920 (-14.8%) 0.00 365
    2020-02-01 $319,450 (1.0%) $412,281 (-8.8%) 0.00 345
    2020-03-01 $319,950 (-1.5%) $414,607 (-9.0%) 0.00 349
    2020-04-01 $319,475 (-1.7%) $421,352 (-6.6%) 0.00 353
    2020-05-01 $325,000 (-1.9%) $433,791 (-5.6%) 0.00 339
    2020-06-01 $339,225 (1.3%) $448,213 (-2.6%) 0.00 317
    2020-07-01 $331,250 (-1.8%) $434,640 (-5.1%) 0.00 263
    2020-08-01 $330,000 (-1.1%) $463,403 (4.2%) 0.00 232
    2020-09-01 $340,975 (2.9%) $474,868 (9.7%) 0.00 213
    2020-10-01 $346,500 (5.9%) $494,073 (19.7%) 0.00 190
    2020-11-01 $340,950 (11.8%) $493,487 (24.1%) 0.00 162
    2020-12-01 $327,400 (12.5%) $464,241 (21.4%) 0.00 145
    2021-01-01 $320,000 (5.9%) $471,128 (24.0%) 0.00 130
    2021-02-01 $307,450 (-3.8%) $421,523 (2.2%) 0.00 110
    2021-03-01 $318,475 (-0.5%) $417,648 (0.7%) 0.00 102
    2021-04-01 $344,950 (8.0%) $447,013 (6.1%) 0.00 104
    2021-05-01 $349,950 (7.7%) $478,365 (10.3%) 0.00 123
    2021-06-01 $345,750 (1.9%) $477,531 (6.5%) 0.00 128
    2021-07-01 $350,000 (5.7%) $506,521 (16.5%) 0.00 164
    2021-08-01 $359,975 (9.1%) $502,898 (8.5%) 0.00 194
    2021-09-01 $363,725 (6.7%) $492,956 (3.8%) 0.00 210
    2021-10-01 $375,000 (8.2%) $518,790 (5.0%) 0.00 205
    2021-11-01 $369,700 (8.4%) $524,951 (6.4%) 0.00 190
    2021-12-01 $387,450 (18.3%) $546,396 (17.7%) 0.00 176
    2022-01-01 $399,000 (24.7%) $587,452 (24.7%) 0.00 137
    2022-02-01 $398,000 (29.5%) $603,940 (43.3%) 0.00 137
    2022-03-01 $409,700 (28.6%) $637,626 (52.7%) 0.00 125
    2022-04-01 $420,000 (21.8%) $600,704 (34.4%) 0.00 163
    2022-05-01 $422,500 (20.7%) $586,905 (22.7%) 0.00 187
    2022-06-01 $415,000 (20.0%) $568,297 (19.0%) 0.00 232
    2022-07-01 $407,500 (16.4%) $561,509 (10.9%) 0.00 278
    2022-08-01 $423,450 (17.6%) $566,393 (12.6%) 0.00 271
    2022-09-01 $439,225 (20.8%) $582,194 (18.1%) 0.00 282
    2022-10-01 $419,450 (11.9%) $568,160 (9.5%) 0.00 300
    2022-11-01 $414,356 (12.1%) $580,009 (10.5%) 0.00 289
    2022-12-01 $412,989 (6.6%) $588,218 (7.7%) 0.00 278
    2023-01-01 $417,000 (4.5%) $586,670 (-0.1%) 0.00 253
    2023-02-01 $419,750 (5.5%) $583,010 (-3.5%) 0.00 237
    2023-03-01 $454,500 (10.9%) $609,035 (-4.5%) 0.00 225
    2023-04-01 $450,000 (7.1%) $615,089 (2.4%) 0.00 207
    2023-05-01 $449,000 (6.3%) $601,153 (2.4%) 0.00 233
    2023-06-01 $449,850 (8.4%) $612,157 (7.7%) 0.00 252
    2023-07-01 $436,500 (7.1%) $613,058 (9.2%) 0.00 263
    2023-08-01 $434,950 (2.7%) $616,580 (8.9%) 0.00 294
    2023-09-01 $417,450 (-5.0%) $590,403 (1.4%) 0.00 314
    2023-10-01 $399,250 (-4.8%) $579,173 (1.9%) 0.00 303
    2023-11-01 $399,900 (-3.5%) $577,091 (-0.5%) 0.00 279
    2023-12-01 $385,000 (-6.8%) $558,102 (-5.1%) 0.00 264
    2024-01-01 $385,000 (-7.7%) $569,861 (-2.9%) 0.00 238
    2024-02-01 $381,500 (-9.1%) $576,813 (-1.1%) 0.00 220
    2024-03-01 $390,000 (-14.2%) $566,483 (-7.0%) 0.00 217
    2024-04-01 $402,000 (-10.7%) $554,023 (-9.9%) 0.00 261
    2024-05-01 $422,475 (-5.9%) $566,443 (-5.8%) 0.00 281
    2024-06-01 $434,000 (-3.5%) $561,718 (-8.2%) 0.00 344
    2024-07-01 $446,175 (2.2%) $558,320 (-8.9%) 0.00 352
    2024-08-01 $444,450 (2.2%) $562,954 (-8.7%) 0.00 357
    2024-09-01 $441,975 (5.9%) $554,611 (-6.1%) 0.00 370
    2024-10-01 $439,975 (10.2%) $557,742 (-3.7%) 0.00 355
    2024-11-01 $425,000 (6.3%) $555,138 (-3.8%) 0.00 367
    2024-12-01 $429,000 (11.4%) $559,382 (0.2%) 0.00 338
    2025-01-01 $438,950 (14.0%) $572,791 (0.5%) 0.00 321
    2025-02-01 $439,200 (15.1%) $580,226 (0.6%) 0.00 309
    2025-03-01 $444,995 (14.1%) $574,736 (1.5%) 0.00 313
    Roseburg's median listing price for 2025-03-01 was $444,995, a difference of $54,995 (14.1%) versus the prior year and $5,795 versus the prior month.

    Roseburg's median listing price comes in at 0% of the national average.

    Roseburg's average listing price for 2025-03-01 was $574,736, a difference of $8,253 (1.5%) versus the prior year and $-5,490 versus the prior month.

    For the 2025-03-01 period, Roseburg had 313 MLS listings, a difference of 4 listings (1%) versus the prior month and 96 listings (44%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Roseburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,900 sqft
    2018-02-01 0 days 1,893 sqft
    2018-03-01 0 days 1,892 sqft
    2018-04-01 0 days 1,919 sqft
    2018-05-01 0 days 1,942 sqft
    2018-06-01 0 days 1,874 sqft
    2018-07-01 0 days 1,871 sqft
    2018-08-01 0 days 1,852 sqft
    2018-09-01 0 days 1,845 sqft
    2018-10-01 0 days 1,850 sqft
    2018-11-01 0 days 1,850 sqft
    2018-12-01 0 days 1,852 sqft
    2019-01-01 0 days 1,853 sqft
    2019-02-01 0 days 1,885 sqft
    2019-03-01 0 days 1,902 sqft
    2019-04-01 0 days 1,902 sqft
    2019-05-01 0 days 1,936 sqft
    2019-06-01 0 days 1,953 sqft
    2019-07-01 0 days 1,954 sqft
    2019-08-01 0 days 1,950 sqft
    2019-09-01 0 days 1,946 sqft
    2019-10-01 0 days 1,935 sqft
    2019-11-01 0 days 1,869 sqft
    2019-12-01 0 days 1,825 sqft
    2020-01-01 0 days 1,842 sqft
    2020-02-01 0 days 1,873 sqft
    2020-03-01 0 days 1,851 sqft
    2020-04-01 0 days 1,848 sqft
    2020-05-01 0 days 1,889 sqft
    2020-06-01 0 days 1,944 sqft
    2020-07-01 0 days 1,916 sqft
    2020-08-01 0 days 1,920 sqft
    2020-09-01 0 days 1,933 sqft
    2020-10-01 0 days 1,908 sqft
    2020-11-01 0 days 1,869 sqft
    2020-12-01 0 days 1,854 sqft
    2021-01-01 0 days 1,838 sqft
    2021-02-01 0 days 1,699 sqft
    2021-03-01 0 days 1,699 sqft
    2021-04-01 0 days 1,818 sqft
    2021-05-01 0 days 1,808 sqft
    2021-06-01 0 days 1,716 sqft
    2021-07-01 0 days 1,790 sqft
    2021-08-01 0 days 1,745 sqft
    2021-09-01 0 days 1,665 sqft
    2021-10-01 0 days 1,656 sqft
    2021-11-01 0 days 1,703 sqft
    2021-12-01 0 days 1,772 sqft
    2022-01-01 0 days 1,784 sqft
    2022-02-01 0 days 1,767 sqft
    2022-03-01 0 days 1,795 sqft
    2022-04-01 0 days 1,768 sqft
    2022-05-01 0 days 1,793 sqft
    2022-06-01 0 days 1,764 sqft
    2022-07-01 0 days 1,760 sqft
    2022-08-01 0 days 1,769 sqft
    2022-09-01 0 days 1,802 sqft
    2022-10-01 0 days 1,760 sqft
    2022-11-01 0 days 1,763 sqft
    2022-12-01 0 days 1,756 sqft
    2023-01-01 0 days 1,781 sqft
    2023-02-01 0 days 1,713 sqft
    2023-03-01 0 days 1,834 sqft
    2023-04-01 0 days 1,877 sqft
    2023-05-01 0 days 1,820 sqft
    2023-06-01 0 days 1,836 sqft
    2023-07-01 0 days 1,815 sqft
    2023-08-01 0 days 1,831 sqft
    2023-09-01 0 days 1,752 sqft
    2023-10-01 0 days 1,745 sqft
    2023-11-01 0 days 1,733 sqft
    2023-12-01 0 days 1,715 sqft
    2024-01-01 0 days 1,698 sqft
    2024-02-01 0 days 1,680 sqft
    2024-03-01 0 days 1,695 sqft
    2024-04-01 0 days 1,730 sqft
    2024-05-01 0 days 1,786 sqft
    2024-06-01 0 days 1,768 sqft
    2024-07-01 0 days 1,835 sqft
    2024-08-01 0 days 1,848 sqft
    2024-09-01 0 days 1,829 sqft
    2024-10-01 0 days 1,840 sqft
    2024-11-01 0 days 1,812 sqft
    2024-12-01 0 days 1,802 sqft
    2025-01-01 0 days 1,784 sqft
    2025-02-01 0 days 1,768 sqft
    2025-03-01 0 days 1,751 sqft
    Roseburg's median listing age (time on market) for 2025-03-01 was 0 days.

    Roseburg's median square footage for active listings during the 2025-03-01 period was 1,751 sqft. One year prior, the average listing was 1,695 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).