Mortgage lending in Umatilla County
1,610 mortgages were originated in Umatilla 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
- 1,610
- Median rate
- 6.500%
- Median lender fees
- $7,690
- Median loan amount
- $245,000
- Median spread over APOR
- 0.357
- Paid discount points
- 53%
- Received lender credits
- 23.9%
- Purchases / refinances
- 53.1% / 32.4%
- Conventional / FHA / VA
- 60.5% / 25.5% / 12.6%
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 76.5% 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 Umatilla County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GUILD MORTGAGE COMPANY | 210 | $9,709 | 6.375% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 140 | $9,103 | 6.625% |
| FIRST COMMUNITY | 125 | — | 5.500% |
| Rocket Mortgage, LLC | 100 | $6,479 | 6.625% |
| Banner Bank | 63 | — | 6.740% |
| BAYSHORE MORTGAGE FUNDING, LLC | 61 | $8,403 | 6.688% |
| Umpqua Bank | 55 | — | 7.563% |
What lenders charged here
Lender fees on a $245,000 loan, based on what was actually charged in Umatilla County — not a rule of thumb.
From 1,232 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