Oregon Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Oregon averaged
6.05%
for the week of 2024-10-10, compared to the national average of
6.32% for the same period.
The average rate for the prior week (2024-10-03) was
6.25% and
one month ago for the week of 2024-09-05, the
average rate was 6.18%.
Oregon's average rate one year ago was 7.52%.
For refis of the same type during the week of 2024-10-10, the average rate
was 7.26%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-10-10 | 6.32% |
| Oregon 30 Year Fixed Rate | 2024-10-10 | 6.05% |
| Oregon 30 Year Fixed Rate Refi | 2024-10-10 | 7.26% |
| Oregon 15 Year Fixed Rate | 2024-10-10 | 5.66% |
| Oregon 15 Year Fixed Rate Refi | 2024-10-10 | 5.57% |
| Oregon 30 Year FHA | 2024-10-10 | 5.92% |
| Oregon 30 Year FHA Refi | 2024-10-10 | 5.67% |
| Oregon 30 Year USDA | 2024-10-10 | 5.43% |
| Oregon 30 Year USDA Refi | 2024-10-10 | 6.08% |
| Oregon 30 Year VA | 2024-10-10 | 5.6% |
| Oregon 30 Year VA Refi | 2024-10-10 | 5.05% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Oregon.
Oregon Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Oregon market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Oregon Average Closing Costs & Other Stats
Oregon's 415 lenders originated 72,322
loans during 2023. The total origination value was $23,884,050,000, with an average loan value of
$330,246.
Oregon's average closing costs are $6,206.
The top Oregon lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
2,199 loans originated. Their average total fees are
$9,102, which is $232
higher than the next largest lender,
GUILD MORTGAGE COMPANY.
The lowest fee Oregon lenders (with over 10 loans originated) are
Discover Bank ($0), CHERRY CREEK MORTGAGE, LLC ($1,312), SIRVA MORTGAGE, INC. ($2,193), HOMEAMERICAN MORTGAGE CORPORATION ($2,816) and First Republic Bank ($3,429).
The lowest rate Oregon lenders (with over 10 loans originated) are
First Republic Bank (4.55%), Raymond James Bank (5.14%), DIGITAL Federal Credit Union (5.68%), Stifel Bank and Trust (5.70%) and Morgan Stanley Private Bank (5.85%).
Oregon Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $1,912,810,000 | $1,517,225,000 | -20.7% | 6.4% |
| GUILD MORTGAGE COMPANY | $1,567,055,000 | $1,101,870,000 | -29.7% | 4.6% |
| OnPoint Community Credit Union | $1,581,015,000 | $1,083,100,000 | -31.5% | 4.5% |
| QUICKEN LOANS, LLC | $1,639,475,000 | $928,060,000 | -43.4% | 3.9% |
| U.S. Bank | $1,418,455,000 | $659,455,000 | -53.5% | 2.8% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $7,445,000 | $625,610,000 | 8,303.1% | 2.6% |
| Umpqua Bank | $2,112,500,000 | $525,145,000 | -75.1% | 2.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $849,055,000 | $485,205,000 | -42.9% | 2.0% |
| CMG MORTGAGE, INC. | $506,655,000 | $460,000,000 | -9.2% | 1.9% |
| JPMorgan Chase Bank | $902,630,000 | $457,120,000 | -49.4% | 1.9% |
| CROSSCOUNTRY MORTGAGE, LLC | $580,670,000 | $415,080,000 | -28.5% | 1.7% |
| Wells Fargo Bank | $1,038,115,000 | $411,845,000 | -60.3% | 1.7% |
| NATIONS DIRECT MORTGAGE, LLC | $405,745,000 | $377,920,000 | -6.9% | 1.6% |
| FIRST TECHNOLOGY | $741,645,000 | $326,860,000 | -55.9% | 1.4% |
| MORTGAGE EXPRESS, LLC | $438,960,000 | $297,525,000 | -32.2% | 1.2% |
| ACADEMY MORTGAGE CORPORATION | $608,070,000 | $296,885,000 | -51.2% | 1.2% |
| SUMMIT FUNDING, INC. | $482,050,000 | $295,650,000 | -38.7% | 1.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $338,060,000 | $289,880,000 | -14.3% | 1.2% |
| LOANDEPOT.COM, LLC | $853,515,000 | $281,075,000 | -67.1% | 1.2% |
| NEWREZ LLC | $128,375,000 | $276,875,000 | 115.7% | 1.2% |
| Banner Bank | $408,370,000 | $269,615,000 | -34.0% | 1.1% |
| Bank of America | $470,145,000 | $267,270,000 | -43.2% | 1.1% |
| DIRECTORS MORTGAGE, INC. | $415,895,000 | $245,520,000 | -41.0% | 1.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | $234,405,000 | $245,335,000 | 4.7% | 1.0% |
| ROGUE | $309,140,000 | $243,610,000 | -21.2% | 1.0% |
| MOVEMENT MORTGAGE, LLC | $280,010,000 | $230,030,000 | -17.8% | 1.0% |
| GUARANTEED RATE, INC. | $265,055,000 | $227,875,000 | -14.0% | 1.0% |
| KeyBank | $869,850,000 | $215,765,000 | -75.2% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $448,485,000 | $213,065,000 | -52.5% | 0.9% |
| EAGLE HOME MORTGAGE, LLC | $148,220,000 | $208,265,000 | 40.5% | 0.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $194,435,000 | $191,170,000 | -1.7% | 0.8% |
| Mortgage Research Center, LLC | $280,295,000 | $189,150,000 | -32.5% | 0.8% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $364,560,000 | $188,385,000 | -48.3% | 0.8% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $313,750,000 | $179,435,000 | -42.8% | 0.8% |
| SELCO COMMUNITY | $287,775,000 | $171,135,000 | -40.5% | 0.7% |
| OREGON COMMUNITY | $384,420,000 | $158,545,000 | -58.8% | 0.7% |
| Washington Federal Bank | $479,025,000 | $155,580,000 | -67.5% | 0.7% |
| MANN FINANCIAL INC. | $206,525,000 | $147,855,000 | -28.4% | 0.6% |
| S1L, Inc. | $272,385,000 | $146,485,000 | -46.2% | 0.6% |
| CALIBER HOME LOANS, INC. | $1,210,215,000 | $140,350,000 | -88.4% | 0.6% |
| Flagstar Bank, FSB | $314,975,000 | $132,385,000 | -58.0% | 0.6% |
| DHI MORTGAGE COMPANY, LTD. | $162,080,000 | $127,250,000 | -21.5% | 0.5% |
| MARION AND POLK SCHOOLS CREDIT UNION | $166,425,000 | $125,360,000 | -24.7% | 0.5% |
| Sierra Pacific Mortgage Company, Inc. | $269,540,000 | $124,040,000 | -54.0% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $160,345,000 | $118,270,000 | -26.2% | 0.5% |
| Century Mortgage Company DBA Century Lending Company | $43,955,000 | $117,680,000 | 167.7% | 0.5% |
| BROKER SOLUTIONS, INC. | $220,600,000 | $115,525,000 | -47.6% | 0.5% |
| First Republic Bank | $594,905,000 | $114,210,000 | -80.8% | 0.5% |
| Willamette Valley Bank | $238,450,000 | $114,120,000 | -52.1% | 0.5% |
| CANOPY MORTGAGE, LLC | $149,375,000 | $111,035,000 | -25.7% | 0.5% |
| TWINSTAR | $6,370,000 | $110,615,000 | 1,636.5% | 0.5% |
| SUMMIT MORTGAGE CORPORATION | $163,720,000 | $107,930,000 | -34.1% | 0.5% |
| CHURCHILL MORTGAGE CORPORATION | $210,515,000 | $104,485,000 | -50.4% | 0.4% |
| PLAZA HOME MORTGAGE, INC. | $127,950,000 | $102,280,000 | -20.1% | 0.4% |
| Nations Lending Corporation | $164,710,000 | $101,455,000 | -38.4% | 0.4% |
| Morgan Stanley Private Bank | $124,895,000 | $99,465,000 | -20.4% | 0.4% |
| South Pacific Financial Corporation | $88,575,000 | $95,105,000 | 7.4% | 0.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $206,905,000 | $94,785,000 | -54.2% | 0.4% |
| Mid Oregon Federal Credit Union | $129,970,000 | $93,325,000 | -28.2% | 0.4% |
| ADVANTIS | $205,450,000 | $92,870,000 | -54.8% | 0.4% |
| PNC Bank | $207,910,000 | $90,195,000 | -56.6% | 0.4% |
| Commerce Home Mortgage, Inc. | $152,630,000 | $87,135,000 | -42.9% | 0.4% |
| Oregon State Credit Union | $161,870,000 | $85,170,000 | -47.4% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $94,725,000 | $84,900,000 | -10.4% | 0.4% |
| The Northwestern Mutual Life Insurance Company | $60,510,000 | $84,005,000 | 38.8% | 0.4% |
| American Mortgage & Equity Consultants, Inc. | $83,300,000 | n/a | 0.3% | |
| LPMC, LLC | $142,165,000 | $82,395,000 | -42.0% | 0.3% |
| Rivermark Community Credit Union | $209,555,000 | $81,000,000 | -61.3% | 0.3% |
| BAY EQUITY LLC | $57,030,000 | $80,740,000 | 41.6% | 0.3% |
| Boeing Employees Credit Union | $78,250,000 | $78,885,000 | 0.8% | 0.3% |
| BMO Harris Bank | $17,375,000 | $78,820,000 | 353.6% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $237,855,000 | $78,020,000 | -67.2% | 0.3% |
| Merchants Bank of Indiana | $78,010,000 | n/a | 0.3% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $348,680,000 | $77,245,000 | -77.8% | 0.3% |
| First Interstate Bank | $167,585,000 | $77,050,000 | -54.0% | 0.3% |
| BERKADIA COMMERCIAL MORTGAGE LLC | $180,805,000 | $74,880,000 | -58.6% | 0.3% |
| FIRST COMMUNITY | $67,335,000 | $73,725,000 | 9.5% | 0.3% |
| FREEDOM MORTGAGE CORPORATION | $246,110,000 | $72,645,000 | -70.5% | 0.3% |
| UNION HOME MORTGAGE CORP. | $3,190,000 | $71,680,000 | 2,147.0% | 0.3% |
| Unitus Community Credit Union | $201,720,000 | $69,100,000 | -65.7% | 0.3% |
| Mechanics Bank | $17,975,000 | $68,170,000 | 279.2% | 0.3% |
| Evergreen Federal Bank | $89,090,000 | $66,930,000 | -24.9% | 0.3% |
| RAIN CITY CAPITAL, LLC | $51,415,000 | $64,680,000 | 25.8% | 0.3% |
| WALKER & DUNLOP, LLC | $245,920,000 | $64,475,000 | -73.8% | 0.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $64,360,000 | $64,130,000 | -0.4% | 0.3% |
| People's Bank of Commerce | $105,050,000 | $64,095,000 | -39.0% | 0.3% |
| Citibank | $137,260,000 | $63,830,000 | -53.5% | 0.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $82,155,000 | $62,295,000 | -24.2% | 0.3% |
| PANORAMA MORTGAGE GROUP, LLC | $90,960,000 | $59,920,000 | -34.1% | 0.3% |
| Heritage Bank | $85,495,000 | $57,890,000 | -32.3% | 0.2% |
| USAA Federal Savings Bank | $83,715,000 | $55,380,000 | -33.8% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $147,545,000 | $55,315,000 | -62.5% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $193,035,000 | $53,760,000 | -72.2% | 0.2% |
| HomeStreet Bank | $378,360,000 | $51,455,000 | -86.4% | 0.2% |
| SAMMAMISH MORTGAGE COMPANY | $27,540,000 | $50,965,000 | 85.1% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $30,330,000 | $47,745,000 | 57.4% | 0.2% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | $12,915,000 | $46,765,000 | 262.1% | 0.2% |
| Golden Empire Mortgage, Inc. | $63,850,000 | $46,485,000 | -27.2% | 0.2% |
| The Huntington National Bank | $33,740,000 | $45,810,000 | 35.8% | 0.2% |
| The Loan Store, Inc. | $3,435,000 | $45,520,000 | 1,225.2% | 0.2% |
| M&T Realty Capital Corporation | $24,700,000 | $45,220,000 | 83.1% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $19,075,000 | $45,185,000 | 136.9% | 0.2% |
| NFM, INC. | $79,020,000 | $44,455,000 | -43.7% | 0.2% |
| Bank of England | $92,675,000 | $43,325,000 | -53.3% | 0.2% |
| GENEVA FINANCIAL, LLC | $113,790,000 | $42,485,000 | -62.7% | 0.2% |
| Northwest Farm Credit Services, FLCA | $71,575,000 | $41,960,000 | -41.4% | 0.2% |
| NBKC BANK | $62,660,000 | $41,305,000 | -34.1% | 0.2% |
| Consolidated Federal Credit Union | $107,565,000 | $41,045,000 | -61.8% | 0.2% |
| First-Citizens Bank & Trust Company | $31,645,000 | $40,960,000 | 29.4% | 0.2% |
| CARDINAL FINANCIAL | $112,085,000 | $40,915,000 | -63.5% | 0.2% |
| GREYSTONE SERVICING COMPANY LLC | $111,915,000 | $40,760,000 | -63.6% | 0.2% |
| 1st Security Bank of Washington | $27,225,000 | $40,200,000 | 47.7% | 0.2% |
| Oregon Pacific Banking Company | $39,950,000 | n/a | 0.2% | |
| BETTER MORTGAGE CORPORATION | $182,495,000 | $39,880,000 | -78.1% | 0.2% |
| Security First Bank of North Dakota | $39,005,000 | n/a | 0.2% | |
| BERKELEY POINT CAPITAL LLC | $120,015,000 | $38,000,000 | -68.3% | 0.2% |
| Clackamas Federal Credit Union | $63,380,000 | $37,770,000 | -40.4% | 0.2% |
| OREGONIANS CREDIT UNION | $35,095,000 | $36,345,000 | 3.6% | 0.2% |
| First National Bank of Omaha | $345,000 | $36,240,000 | 10,404.3% | 0.2% |
| Washington Trust Bank | $51,195,000 | $36,095,000 | -29.5% | 0.2% |
| Prudential Huntoon Paige Associates, LLC | $22,465,000 | $35,890,000 | 59.8% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $85,530,000 | $35,490,000 | -58.5% | 0.1% |
| Discover Bank | $26,430,000 | $35,420,000 | 34.0% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $27,190,000 | $34,720,000 | 27.7% | 0.1% |
| HomeTrust Bank | $5,970,000 | $34,680,000 | 480.9% | 0.1% |
| Charles Schwab Bank, SSB | $78,420,000 | $34,570,000 | -55.9% | 0.1% |
| Citadel Servicing Corporation | $40,250,000 | $34,485,000 | -14.3% | 0.1% |
| The Federal Savings Bank | $60,095,000 | $33,665,000 | -44.0% | 0.1% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $2,540,000 | $33,295,000 | 1,210.8% | 0.1% |
| iQ Credit Union | $73,515,000 | $32,395,000 | -55.9% | 0.1% |
| FIBRE FEDERAL CREDIT UNION | $44,855,000 | $32,110,000 | -28.4% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $30,655,000 | n/a | 0.1% | |
| ALLIANT CREDIT UNION | $45,205,000 | $30,540,000 | -32.4% | 0.1% |
| PRIORITY HOME LENDING, LLC | $47,210,000 | $30,270,000 | -35.9% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $36,135,000 | $30,045,000 | -16.9% | 0.1% |
| Merchants Mortgage & Trust Corporation | $34,680,000 | $29,940,000 | -13.7% | 0.1% |
| Gallic & Johnson, LLC | $28,735,000 | $29,680,000 | 3.3% | 0.1% |
| Yakima Federal Savings and Loan Association | $34,500,000 | $29,375,000 | -14.9% | 0.1% |
| Figure Lending LLC | $38,930,000 | $28,635,000 | -26.4% | 0.1% |
| AXIA FINANCIAL, LLC | $61,045,000 | $28,405,000 | -53.5% | 0.1% |
| OCMBC, INC. | $21,310,000 | $28,020,000 | 31.5% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $52,445,000 | $27,950,000 | -46.7% | 0.1% |
| Plains Commerce Bank | $4,460,000 | $27,750,000 | 522.2% | 0.1% |
| UBS Bank USA | $69,250,000 | $27,420,000 | -60.4% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $67,565,000 | $27,390,000 | -59.5% | 0.1% |
| LENDSURE MORTGAGE CORP. | $25,315,000 | $27,325,000 | 7.9% | 0.1% |
| Carrington Mortgage Services, LLC | $47,765,000 | $26,760,000 | -44.0% | 0.1% |
| Clackamas County Bank | $26,260,000 | n/a | 0.1% | |
| Cornerstone First Mortgage, Inc | $27,270,000 | $25,765,000 | -5.5% | 0.1% |
| HOMEAMERICAN MORTGAGE CORPORATION | $34,735,000 | $25,740,000 | -25.9% | 0.1% |
| MOUNTAIN AMERICA | $23,890,000 | $25,635,000 | 7.3% | 0.1% |
| V.I.P. MORTGAGE, INC. | $16,505,000 | $25,210,000 | 52.7% | 0.1% |
| Prosperity Home Mortgage, LLC | $13,435,000 | $24,740,000 | 84.1% | 0.1% |
| 21ST MORTGAGE CORPORATION | $25,205,000 | $24,670,000 | -2.1% | 0.1% |
| Citizens Bank | $42,765,000 | $24,510,000 | -42.7% | 0.1% |
| PENRITH HOME LOANS LLC | $26,370,000 | $24,350,000 | -7.7% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $55,490,000 | $23,305,000 | -58.0% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $24,945,000 | $22,185,000 | -11.1% | 0.1% |
| Regions Bank | $22,300,000 | $22,150,000 | -0.7% | 0.1% |
| ARC HOME LLC | $13,825,000 | $21,910,000 | 58.5% | 0.1% |
| COLUMBIA COMMUNITY CREDIT UNION | $22,710,000 | $21,865,000 | -3.7% | 0.1% |
| First Federal | $27,335,000 | $21,130,000 | -22.7% | 0.1% |
| Zions Bank | $12,630,000 | $20,705,000 | 63.9% | 0.1% |
| RESIDENTIAL MORTGAGE, LLC | $19,960,000 | n/a | 0.1% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $1,185,000 |