Mortgage lending in Medford, OR

4,733 mortgages were originated in the Medford, OR area in 2025, and here is what they cost.

Loans originated

4,733

Median rate

6.750%

Median lender fees

$6,396

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)

0.329

Paid discount points

45.6%

Received lender credits

19.5%

Purchases / refinances

52.1% / 24.9%

Conventional / FHA / VA

76.9% / 12.8% / 9.8%

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 72.4% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Medford, OR area, ranked by volume.