Homebuyers in Lincoln County County who chose ONPOINT COMMUNITY CREDIT UNION paid $3,141 less in closing costs than the county median.
County Median Costs
$7,979
+1.5% vs Oregon ($7,860)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$3,930
Purchase Originations
429
Denial Rate
8.2%
vs Oregon avg (6.1%)
vs Oregon Median
1.5% above
$119
vs National Median
19.4% above
$1,299
8 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,838 | 6.688% | $729 | 10 | −$2,293 | |
| 2 | $4,846 | 6.500% | $2,234 | 13 | −$2,284 | |
| 3 | $6,349 | 6.688% | $3,726 | 16 | −$782 | |
| 4 | $7,619 | 6.990% | $3,876 | 16 | +$488 | |
| 5 | $7,646 | 6.500% | $4,451 | 35 | +$515 | |
| 6 | $8,122 | 6.498% | $4,623 | 12 | +$991 | |
| 7 | $11,884 | 6.625% | $8,885 | 15 | +$4,753 |
Includes lenders with 10+ purchase originations in Lincoln County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Oregon → Lender Directory
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Data source: HMDA Modified Loan Application Register 2025, 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.