Mortgage lending in Portland-Vancouver-Hillsboro, OR-WA
53,230 mortgages were originated in the Portland-Vancouver-Hillsboro, OR-WA 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
- 53,230
- Median rate
- 6.750%
- Median lender fees
- $6,330
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
- $345,000
- Above the going rate (spread over APOR)
- 0.227
- Paid discount points
- 40.8%
- Received lender credits
- 22.9%
- Purchases / refinances
- 49.6% / 27.5%
- Conventional / FHA / VA
- 85.4% / 9.3% / 5.2%
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 66.9% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Portland-Vancouver-Hillsboro, OR-WA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Onpoint Community Credit Union | 6,667 | $4,489 | 7.500% |
| United Shore Financial Services, LLC | 3,312 | $7,909 | 6.399% |
| Rocket Mortgage, LLC | 2,521 | $4,868 | 6.750% |
| Guild Mortgage Company | 2,377 | $8,117 | 6.625% |
| U.S. Bank National Association | 1,478 | $4,398 | 7.950% |
| First Technology Federal Credit Union | 1,255 | $4,240 | 7.375% |
| CMG Mortgage, Inc. | 1,223 | $8,336 | 6.500% |
| Nations Direct Mortgage, LLC | 1,113 | $8,452 | 6.490% |
| Columbia Community Credit Union | 1,059 | $810 | 5.240% |
| iQ Credit Union | 1,058 | $3,307 | 7.250% |