Oregon · Q1 2026
What Oregon borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 472 lenders.
Published 2026-04-29.
Oregon · headline
The gap between Oregon's lowest- and highest-cost ranked lenders in 2025 was $6,776 on a typical loan — borrowers using CrossCountry Mortgage paid roughly 284% more than borrowers using Rogue on similar loans.
Source: FFIEC HMDA 2025 (n=60,497)
In 2025, 472 mortgage lenders originated 60,497 reportable loans in Oregon according to FFIEC HMDA data. The median borrower paid $6,652 in total loan costs. That is 56.8% above the national median across all 50 states and DC.
Oregon's median total loan cost was $6,652, 56.8% above the national median of $4,242. On a typical loan, that translates to roughly $2,410 more than borrowers paid in the average state.
Rogue posted the lowest median total loan costs at $2,387, 64.1% below the Oregon median. Across the ranked lenders, 8 earned an A grade against peer averages and 0 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Oregon are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $5,402 | $3,142 | 4,838 | A |
| 2 | United Wholesale Mortgage | $8,594 | $4,011 | 4,482 | C |
| 3 | Guild Mortgage | $8,609 | $4,594 | 4,042 | C |
| 4 | Onpoint Community Credit Union | $4,541 | $1,958 | 2,128 | A |
| 5 | CMG Financial | $7,832 | $2,809 | 1,664 | B |
| 6 | Pennymac | $5,699 | $2,681 | 1,395 | A |
| 7 | Nations Direct Mortgage, LLC | $8,374 | $3,426 | 1,343 | B |
| 8 | CrossCountry Mortgage | $9,164 | $4,872 | 1,341 | C |
| 9 | U.S. Bank National Association | $4,380 | $1,753 | 1,287 | A |
| 10 | Newrez | $6,483 | $2,574 | 1,237 | A |
Oregon median total loan cost
Oregon borrowers paid a median $6,652 in total loan costs in 2025, based on 60,497 HMDA-reported loans across 472 lenders.
FFIEC HMDA 2025
Lender spread in Oregon
In Oregon, the gap between Rogue ($2,387 median) and CrossCountry Mortgage ($9,164 median) was $6,776 on a typical 2025 loan.
FFIEC HMDA 2025
Oregon vs. national
Oregon closing costs ran 56.8% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Oregon was $2,986, with the typical lender clustering tightly around that figure. Discount points appeared on 65% of loans, with a median paid amount of $2,910 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 32% of loans, with a median credit of $528.
Avg $4,663
Median $2,910 when present
Median $528 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Oregon) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Oregon
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