Mortgage lending in Marion County
6,795 mortgages were originated in Marion 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
- 6,795
- Median rate
- 6.875%
- Median lender fees
- $7,392
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
- $295,000
- Above the going rate (spread over APOR)
- 0.340
- Paid discount points
- 44.8%
- Received lender credits
- 17.7%
- Purchases / refinances
- 47.3% / 27.8%
- Conventional / FHA / VA
- 75.6% / 16.5% / 7.8%
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 67.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $450,000
- That home, 20% down
- $360,000
A median-priced home with 20% down leaves $472,750 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 Marion County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Marion And Polk Schools Credit Union | 535 | — | 7.250% |
| Rocket Mortgage, LLC | 450 | $5,490 | 6.750% |
| Guild Mortgage Company | 359 | $9,181 | 6.625% |
| United Shore Financial Services, LLC | 316 | $9,931 | 6.299% |
| Onpoint Community Credit Union | 294 | $4,503 | 7.500% |
| U.S. Bank National Association | 184 | $3,792 | 7.950% |
| Oregon Community | 169 | — | 7.500% |
| Nations Direct Mortgage, LLC | 157 | $10,847 | 6.375% |
| DHI Mortgage Company, Ltd. | 157 | $10,572 | 5.500% |
| Umpqua Bank | 154 | $5,547 | 7.750% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Marion County — not a rule of thumb.
From 4,571 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