Mortgage lending in Jackson County
4,731 mortgages were originated in Jackson 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
- 4,731
- Median rate
- 6.750%
- Median lender fees
- $6,396
- Median loan amount
- $285,000
- Median spread over APOR
- 0.329
- Paid discount points
- 45.6%
- Received lender credits
- 19.5%
- Purchases / refinances
- 52.2% / 24.9%
- Conventional / FHA / VA
- 76.9% / 12.8% / 9.8%
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 72.4% 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 Jackson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| ROGUE CREDIT UNION | 904 | $1,369 | 7.490% |
| GUILD MORTGAGE COMPANY | 339 | $8,028 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 272 | $8,529 | 6.249% |
| CMG MORTGAGE, INC. | 251 | $8,541 | 6.625% |
| Rocket Mortgage, LLC | 243 | $5,158 | 6.625% |
| CROSSCOUNTRY MORTGAGE, INC. | 167 | $13,110 | 6.575% |
| MOVEMENT MORTGAGE, LLC | 142 | $8,169 | 6.625% |
| FIRST COMMUNITY | 104 | — | 5.500% |
| PENNYMAC LOAN SERVICES, LLC | 100 | $4,807 | 6.875% |
| Umpqua Bank | 93 | — | 8.000% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Jackson County — not a rule of thumb.
From 3,427 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