Mortgage lending in Josephine County
1,719 mortgages were originated in Josephine 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
- 1,719
- Median rate
- 6.750%
- Median lender fees
- $6,058
- Median loan amount
- $265,000
- Median spread over APOR
- 0.338
- Paid discount points
- 47.6%
- Received lender credits
- 21%
- Purchases / refinances
- 49.7% / 26.7%
- Conventional / FHA / VA
- 73.2% / 14.1% / 12.4%
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 72.1% 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 Josephine County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| ROGUE CREDIT UNION | 277 | $2,007 | 7.490% |
| Nations Lending Corporation | 163 | $5,120 | 6.500% |
| GUILD MORTGAGE COMPANY | 117 | $9,615 | 6.500% |
| FIRST COMMUNITY | 100 | — | 5.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 92 | $8,426 | 6.124% |
| Rocket Mortgage, LLC | 90 | $4,512 | 6.625% |
| Evergreen Federal Bank | 53 | — | — |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Josephine County — not a rule of thumb.
From 1,240 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