Mortgage lending in Washington County
12,075 mortgages were originated in Washington 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
- 12,075
- Median rate
- 6.625%
- Median lender fees
- $6,218
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
- $375,000
- Above the going rate (spread over APOR)
- 0.198
- Paid discount points
- 42.7%
- Received lender credits
- 25.5%
- Purchases / refinances
- 51.7% / 27.4%
- Conventional / FHA / VA
- 86.3% / 8.9% / 4.7%
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 69.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $701,500
- Median home price
- $610,000
- That home, 20% down
- $488,000
A median-priced home with 20% down leaves $344,750 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 Washington County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Onpoint Community Credit Union | 1,578 | $4,536 | 7.500% |
| United Shore Financial Services, LLC | 673 | $7,982 | 6.375% |
| First Technology Federal Credit Union | 660 | $4,057 | 7.375% |
| Rocket Mortgage, LLC | 575 | $4,749 | 6.750% |
| Guild Mortgage Company | 475 | $8,070 | 6.625% |
| U.S. Bank National Association | 401 | $5,042 | 7.700% |
| Lennar Mortgage, LLC | 370 | $6,162 | 4.990% |
| Bank of America, National Association | 250 | $5,077 | 6.000% |
| CMG Mortgage, Inc. | 248 | $9,923 | 6.125% |
| Nations Direct Mortgage, LLC | 235 | $8,106 | 6.490% |
What lenders charged here
Lender fees on a $375,000 loan, based on what was actually charged in Washington County — not a rule of thumb.
From 8,434 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