Oregon USDA Loan Rates, Closing Costs & Stats

Oregon

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    • USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.

    Oregon USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Oregon averaged 6.61% for the week of 2025-04-04, compared to the national average (all USDA variants) of 6.324% for the same period.

    Oregon's average USDA mortgage closing costs are $7,412.

    The average rate for the prior week (2025-03-28) was 6.67% and one month ago for the week of 2025-02-28, the average rate was 6.32%.

    The average rate one year ago was 6.78%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.27%.

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

    Oregon USDA Loan Lenders by Rates & Fees

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

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 36 6.00% $11,083
    UNITED WHOLESALE MORTGAGE, LLC 15 5.84% $12,407
    AMERICAN PACIFIC MORTGAGE CORPORATION 15 6.44% $10,311
    NEWREZ LLC 14 6.01% $9,729
    Sierra Pacific Mortgage Company, Inc. 10 5.91% $8,927
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 10 6.39% $9,053
    Flagstar Bank, FSB 8 6.31% $8,684
    MASON MCDUFFIE MORTGAGE CORPORATION 8 6.48% $8,403
    CMG MORTGAGE, INC. 6 5.94% $8,926
    PACIFIC RESIDENTIAL MORTGAGE, LLC 4 6.13% $15,761
    S1L, Inc. 4 6.03% $9,061
    Century Mortgage Company DBA Century Lending Company 4 5.84% $11,957
    Umpqua Bank 4 6.63% $8,176
    CROSSCOUNTRY MORTGAGE, LLC 4 5.88% $10,199
    BAYSHORE MORTGAGE FUNDING, LLC 3 6.38% $9,801
    Banner Bank 3 6.33% $7,655
    Loan Simple, Inc. 3 6.17% $9,729
    SUMMIT FUNDING, INC. 3 5.67% $18,471
    U.S. Bank 3 6.42% $9,482
    GoPrime Mortgage, Inc. 2 6.38% $11,372
    MID AMERICA MORTGAGE, INC. 2 6.44% $4,610
    MORTGAGE EXPRESS, LLC 2 5.88% $14,495
    FIRST COLONY MORTGAGE CORPORATION 2 6.63% $5,228
    Nations Lending Corporation 2 6.25% $6,786
    LOANDEPOT.COM, LLC 2 6.43% $13,870
    CITY FIRST MORTGAGE SERVICES, L.L.C. 2 6.75% $7,912
    1st Security Bank of Washington 2 6.38% $8,459
    LPMC, LLC 2 5.99% $12,978
    Cornerstone First Mortgage, Inc 2 6.31% $12,945
    ISERVE RESIDENTIAL LENDING, LLC 2 5.63% $8,045
    Equity Prime Mortgage LLC 2 6.19% $13,416
    BROKER SOLUTIONS, INC. 1 7.13% $7,682
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 5.75% $12,670
    PANORAMA MORTGAGE GROUP, LLC 1 5.62% $12,841
    PLANET HOME LENDING, LLC 1 5.50% $18,846
    PLAZA HOME MORTGAGE, INC. 1 5.99% $6,717
    BAY EQUITY LLC 1 6.25% $12,445
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.62% $5,157
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.50% $11,421
    Waterstone Mortgage Corporation 1 6.00% $19,525
    Summit Mortgage Corporation 1 5.50% $9,787
    SUMMIT MORTGAGE CORPORATION 1 6.62% $10,364
    The Loan Store, Inc. 1 5.75% $12,424
    AMERICAN FINANCIAL RESOURCES, INC. 1 5.25% $9,657
    Commerce Home Mortgage, Inc. 1 5.75% $13,235
    D. L. Evans Bank 1 5.25% $11,539
    CHURCHILL MORTGAGE CORPORATION 1 6.49% $8,137
    GENEVA FINANCIAL, LLC 1 6.13% $29,616
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.25% $9,932
    GUARANTEED RATE, INC. 1 5.99% $11,505
    CANOPY MORTGAGE, LLC 1 6.13% $18,073
    Keystone Funding, Inc. 1 6.13% $10,669
    LEADERONE FINANCIAL CORPORATION 1 5.63% $8,343
    AMERICAN FINANCIAL NETWORK, INC. 1 5.75% $14,997
    Magnolia Bank 1 6.63% $9,585
    CALCON MUTUAL MORTGAGE LLC 1 4.50% $9,889
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.75% $17,400

    The top Oregon USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 36 USDA loans originated. Their average total fees are $11,083, which is $1,324 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Oregon USDA lenders (with over 10 loans originated) are Sierra Pacific Mortgage Company, Inc. ($8,927), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($9,053), NEWREZ LLC ($9,729), AMERICAN PACIFIC MORTGAGE CORPORATION ($10,311) and GUILD MORTGAGE COMPANY ($11,083).

    The lowest rate Oregon USDA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.84%), Sierra Pacific Mortgage Company, Inc. (5.91%), GUILD MORTGAGE COMPANY (6.00%), NEWREZ LLC (6.01%) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.39%).