Mortgage lending in Yamhill County
2,409 mortgages were originated in Yamhill 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
- 2,409
- Median rate
- 6.750%
- Median lender fees
- $7,066
- Median loan amount
- $305,000
- Median spread over APOR
- 0.280
- Paid discount points
- 43.2%
- Received lender credits
- 19.6%
- Purchases / refinances
- 45% / 30.9%
- Conventional / FHA / VA
- 77.9% / 13% / 8.5%
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 65.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $701,500
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 Yamhill County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| ONPOINT COMMUNITY CREDIT UNION | 334 | $4,250 | 7.500% |
| Rocket Mortgage, LLC | 147 | $5,116 | 6.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 115 | $7,406 | 6.125% |
| GUILD MORTGAGE COMPANY | 110 | $9,891 | 6.375% |
| MORTGAGE EXPRESS, LLC | 72 | $9,003 | 6.433% |
| FIRST COMMUNITY | 72 | — | 5.500% |
| PENNYMAC LOAN SERVICES, LLC | 64 | $8,936 | 6.500% |
| U.S. Bank National Association | 54 | — | 8.150% |
| GO MORTGAGE, LLC | 54 | $9,974 | 6.625% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Yamhill County — not a rule of thumb.
From 1,587 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