Mortgage lending in Eugene-Springfield, OR

7,821 mortgages were originated in the Eugene-Springfield, OR area in 2025, and here is what they cost.

Loans originated

7,821

Median rate

6.875%

Median lender fees

$7,180

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

$275,000

Above the going rate (spread over APOR)

0.278

Paid discount points

43.9%

Received lender credits

18.9%

Purchases / refinances

46.5% / 27.8%

Conventional / FHA / VA

80.5% / 11.9% / 7.5%

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 63.9% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Eugene-Springfield, OR area, ranked by volume.