Mortgage lending in Deschutes County
6,684 mortgages were originated in Deschutes 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
- 6,684
- Median rate
- 6.750%
- Median lender fees
- $7,141
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
- $375,000
- Above the going rate (spread over APOR)
- 0.212
- Paid discount points
- 38.2%
- Received lender credits
- 23%
- Purchases / refinances
- 49.7% / 25.7%
- Conventional / FHA / VA
- 86.2% / 8.4% / 5.4%
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 65.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $718,750
- Median home price
- $625,000
- That home, 20% down
- $500,000
A median-priced home with 20% down leaves $332,750 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 Deschutes County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Onpoint Community Credit Union | 466 | $4,345 | 7.500% |
| Mid Oregon | 369 | — | 7.990% |
| Rocket Mortgage, LLC | 349 | $5,581 | 6.625% |
| United Shore Financial Services, LLC | 312 | $9,332 | 6.250% |
| Selco Community | 298 | — | 7.250% |
| Guild Mortgage Company | 239 | $8,721 | 6.625% |
| The Loan Store, Inc. | 232 | $8,413 | 6.490% |
| U.S. Bank National Association | 207 | $5,886 | 7.500% |
| CMG Mortgage, Inc. | 202 | $6,334 | 6.500% |
| Loandepot.Com, LLC | 192 | $7,768 | 6.625% |
What lenders charged here
Lender fees on a $375,000 loan, based on what was actually charged in Deschutes County — not a rule of thumb.
From 4,364 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