Mortgage lending in Douglas County
2,137 mortgages were originated in Douglas 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
- 2,137
- Median rate
- 6.625%
- Median lender fees
- $6,453
- Median loan amount
- $245,000
- Median spread over APOR
- 0.290
- Paid discount points
- 49.2%
- Received lender credits
- 23.9%
- Purchases / refinances
- 50.9% / 29.6%
- Conventional / FHA / VA
- 65.9% / 15.8% / 16.8%
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 73.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
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 Douglas County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 150 | $8,987 | 5.999% |
| ROGUE CREDIT UNION | 146 | $4,381 | 7.490% |
| Rocket Mortgage, LLC | 145 | $6,010 | 6.625% |
| GoPrime Mortgage, Inc. | 123 | $6,449 | 6.490% |
| Umpqua Bank | 121 | $4,470 | 7.500% |
| FIRST COMMUNITY | 98 | — | 5.500% |
| TWINSTAR | 94 | — | 7.500% |
| NEWREZ LLC | 72 | $6,527 | 6.250% |
| KIND LENDING, LLC | 62 | $6,998 | 6.563% |
| Mortgage Research Center, LLC | 50 | $5,556 | 6.188% |
What lenders charged here
Lender fees on a $245,000 loan, based on what was actually charged in Douglas County — not a rule of thumb.
From 1,571 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