Mortgage lending in Clatsop County
1,004 mortgages were originated in Clatsop County, Oregon, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,004
- Median rate
- 6.850%
- Median lender fees
- $6,467
- Median loan amount
- $345,000
- Median spread over APOR
- 0.360
- Paid discount points
- 40%
- Received lender credits
- 20.3%
- Purchases / refinances
- 45.3% / 32.7%
- Conventional / FHA / VA
- 82.2% / 9.2% / 8.7%
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 69.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $563,500
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Clatsop County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| FIBRE | 79 | — | 7.625% |
| GOLDEN EMPIRE MORTGAGE, INC. | 68 | $7,277 | 6.625% |
| U.S. Bank National Association | 55 | — | 7.450% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 54 | — | 6.499% |
| Rocket Mortgage, LLC | 51 | $7,247 | 6.500% |
What lenders charged here
Lender fees on a $345,000 loan, based on what was actually charged in Clatsop County — not a rule of thumb.
From 699 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers