Mortgage lending in Klamath County
1,596 mortgages were originated in Klamath 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
- 1,596
- Median rate
- 6.750%
- Median lender fees
- $6,632
- Median loan amount
- $215,000
- Median spread over APOR
- 0.419
- Paid discount points
- 51.1%
- Received lender credits
- 23.2%
- Purchases / refinances
- 49% / 32%
- Conventional / FHA / VA
- 66.6% / 13.7% / 17.9%
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 75.4% 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 Klamath County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 131 | $5,018 | 6.990% |
| ROGUE CREDIT UNION | 130 | $1,241 | 7.495% |
| SUMMIT FUNDING, INC. | 130 | $10,825 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 72 | $10,310 | 5.999% |
| NEWREZ LLC | 68 | $6,643 | 6.990% |
| FIRST COMMUNITY | 59 | — | 5.500% |
| Sierra Pacific Mortgage Company, Inc. | 58 | $7,303 | 6.500% |
| KIND LENDING, LLC | 55 | — | 6.125% |
| Mortgage Research Center, LLC | 51 | $4,973 | 6.250% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Klamath County — not a rule of thumb.
From 1,203 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