Oregon Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Oregon. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
7%
Avg APR
15yr Fixed
6.4%
Avg APR
Median Price
$475,000
Median home
Monthly P&I
$2,533
30yr at 80% LTV
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Top Mortgage Lenders in Oregon
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in Oregon
- ✓Oregon Bond Residential Loan Program
- ✓Oregon Individual Development Account Initiative
- ✓Portland Housing Center
Mortgage Requirements in Oregon
- •Min 640 credit score for Oregon Bond
- •Income and purchase price limits
- •Required homebuyer education
Oregon Housing Market Facts
Portland metro is the dominant market, but Bend and Eugene are growing.
Oregon has no sales tax, but has higher-than-average income taxes.
Oregon Bond Program provides below-market interest rates statewide.
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