Mortgage lending in Columbia County
1,301 mortgages were originated in Columbia 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
- 1,301
- Median rate
- 6.750%
- Median lender fees
- $7,160
- Median loan amount
- $285,000
- Median spread over APOR
- 0.382
- Paid discount points
- 44%
- Received lender credits
- 21.6%
- Purchases / refinances
- 44.6% / 32.7%
- Conventional / FHA / VA
- 72.7% / 14.7% / 11.8%
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 73.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $701,500
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 Columbia County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GUILD MORTGAGE COMPANY | 142 | $9,316 | 6.500% |
| ONPOINT COMMUNITY CREDIT UNION | 103 | — | 7.500% |
| Rocket Mortgage, LLC | 85 | $7,078 | 6.875% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 74 | $8,569 | 5.999% |
| NATIONS DIRECT MORTGAGE, LLC | 62 | $12,532 | 6.370% |
| U.S. Bank National Association | 52 | — | 8.200% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Columbia County — not a rule of thumb.
From 951 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