Mortgage lending in Jackson County
4,731 mortgages were originated in Jackson 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
- 4,731
- Median rate
- 6.750%
- Median lender fees
- $6,396
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
- $285,000
- Above the going rate (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
- Median home price
- $415,000
- That home, 20% down
- $332,000
A median-priced home with 20% down leaves $500,750 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 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% |
| U.S. Bank National Association | 93 | $4,377 | 7.490% |
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, 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