Mortgage lending in Albany, OR
2,865 mortgages were originated in the Albany, OR area in 2025, and here is what they cost.
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
- 2,865
- Median rate
- 6.750%
- Median lender fees
- $7,653
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
- $285,000
- Above the going rate (spread over APOR)
- 0.423
- Paid discount points
- 51.8%
- Received lender credits
- 18.9%
- Purchases / refinances
- 49.1% / 29.5%
- Conventional / FHA / VA
- 70.1% / 18.5% / 11.1%
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 73.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Albany, OR area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 204 | $5,152 | 6.990% |
| Oregon State Credit Union | 161 | $3,921 | 7.500% |
| United Shore Financial Services, LLC | 154 | $10,449 | 6.124% |
| Guild Mortgage Company | 128 | $9,812 | 6.625% |
| Movement Mortgage, LLC | 113 | $9,255 | 6.625% |
| Loandepot.Com, LLC | 98 | $5,364 | 6.990% |
| Umpqua Bank | 89 | — | 7.750% |
| Summit Funding, Inc. | 86 | $16,713 | 6.250% |
| U.S. Bank National Association | 76 | — | 7.700% |
| Lennar Mortgage, LLC | 75 | $6,098 | 5.250% |