Oregon State Credit Union closing costs and rates (2024)
In 2024, Oregon State Credit Union originated 118 purchase mortgages at a median interest rate of 6.38% and median total closing costs of $6,220. That is $521 below the national median of $6,741. Oregon State Credit Union is most active in Oregon with 117 originations there.
Purchase Originations
118
Median Total Costs
$6,220
−7.7% vs national ($6,741)
Median Rate
6.375%
−3.7% vs national (6.620%)
Median Origination
$3,173
Median Lender Credits
$599
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 118 | 6.375% | $6,220 | $3,173 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 117 | 6.375% | $6,061 | #64 |
| Washington | 1 | 6.125% | $7,753 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,013 | 6.750% | — | 1 | −$2,207 | |
| 2 | $4,136 | 6.875% | — | 2 | −$2,084 | |
| 3 | $4,429 | 5.938% | — | 2 | −$1,791 | |
| 4 | $4,686 | 5.500% | — | 1 | −$1,534 | |
| 5 | $4,983 | 6.375% | — | 19 | −$1,237 | |
| 6 | $5,114 | 6.750% | — | 3 | −$1,106 | |
| 7 | $5,147 | 6.375% | — | 9 | −$1,073 | |
| 8 | $5,160 | 6.625% | — | 3 | −$1,060 | |
| 9 | $6,240 | 6.625% | — | 14 | +$20 | |
| 10 | $6,586 | 6.188% | — | 2 | +$366 | |
| 11 | $6,856 | 6.312% | — | 36 | +$636 | |
| 12 | $7,333 | 6.750% | — | 1 | +$1,113 | |
| 13 | $7,753 | 6.125% | — | 1 | +$1,533 | |
| 14 | $7,842 | 6.125% | — | 5 | +$1,622 | |
| 15 | $7,892 | 6.438% | — | 16 | +$1,672 | |
| 16 | $18,166 | 6.312% | — | 2 | +$11,946 | |
| 17 | $25,685 | 6.750% | — | 1 | +$19,465 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.