Mortgage lending in Polk County
2,020 mortgages were originated in Polk 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
- 2,020
- Median rate
- 6.750%
- Median lender fees
- $7,400
- Median loan amount
- $295,000
- Median spread over APOR
- 0.340
- Paid discount points
- 43.8%
- Received lender credits
- 18.9%
- Purchases / refinances
- 45.4% / 27.4%
- Conventional / FHA / VA
- 75.7% / 14.5% / 9.4%
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 67.1% 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 Polk County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| MARION AND POLK SCHOOLS CREDIT UNION | 143 | — | 7.250% |
| Rocket Mortgage, LLC | 140 | $5,726 | 6.618% |
| Oregon State Credit Union | 129 | — | 7.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 109 | $10,179 | 6.490% |
| GUILD MORTGAGE COMPANY | 98 | $9,724 | 6.625% |
| ONPOINT COMMUNITY CREDIT UNION | 64 | — | 7.500% |
| Umpqua Bank | 55 | — | 8.250% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Polk County — not a rule of thumb.
From 1,356 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