Mortgage lending in Clackamas County
9,748 mortgages were originated in Clackamas County, Oregon, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 9,748
- Median rate
- 6.875%
- Median lender fees
- $6,595
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $355,000
- Above the going rate (spread over APOR)
- 0.278
- Paid discount points
- 38.6%
- Received lender credits
- 20.7%
- Purchases / refinances
- 44.9% / 29.6%
- Conventional / FHA / VA
- 87% / 8.1% / 4.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 62.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $701,500
- Median home price
- $610,000
- That home, 20% down
- $488,000
A median-priced home with 20% down leaves $344,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Clackamas County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Onpoint Community Credit Union | 1,519 | $4,626 | 7.500% |
| United Shore Financial Services, LLC | 634 | $8,022 | 6.375% |
| Rocket Mortgage, LLC | 463 | $4,558 | 6.875% |
| Guild Mortgage Company | 397 | $8,524 | 6.625% |
| U.S. Bank National Association | 303 | $4,888 | 8.200% |
| Nations Direct Mortgage, LLC | 233 | $7,845 | 6.490% |
| Embold Federal Credit Union | 228 | — | 7.740% |
| Bank of America, National Association | 224 | — | 6.240% |
| CMG Mortgage, Inc. | 219 | $7,259 | 6.500% |
| Fairway Independent Mortgage Corporation | 184 | $7,965 | 6.500% |
What lenders charged here
Lender fees on a $355,000 loan, based on what was actually charged in Clackamas County — not a rule of thumb.
From 6,132 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers