Mortgage lending in Albany, OR

2,865 mortgages were originated in the Albany, OR area in 2025, and here is what they cost.

Loans originated

2,865

Median rate

6.750%

Median lender fees

$7,653

Median loan amount

$285,000

Median 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.