Best mortgage rates in Oregon this week
No borrower-submitted offers from Oregon yet — be the first to share yours and help other Oregon borrowers benchmark their quotes.
Data as of 2d ago · Borrower offers span the last 30 days; credit-union posted rates are refreshed weekly (Mondays).
30-yr rates in Oregon over time
best available ▲ 0.25 since Jun 29How do you compare?
See where rates like yours land in Oregon this week.
Not enough conventional 30y submissions from Oregon yet to draw a comparison. Be the first to share your quote — every submission helps the next Oregon borrower benchmark theirs.
Credit union posted rates Oregon residents can access
Posted rates from each credit union's public rate sheet. Conventional shown by default; expand the others if you qualify.
Is your rate competitive?
Enter the rate a lender quoted you. We'll show it against what Oregon lenders are posting this week to someone who could actually join them.
Got a quote in hand? Add it anonymously so the next Oregon buyer sees what people actually got, not just what lenders advertise.
Payment is P&I (plus estimated PMI) on the reference loan, excluding taxes and insurance. Your actual rate depends on your full profile — get pre-approved for your real number, or run the calculator. Not financial advice.
At a glance — ranked by true 5-year cost
incl. points · $390,000 loan · held 5 yrs| Credit union | Rate | This week | Points | Product | Est. 5-yr cost | vs best |
|---|---|---|---|---|---|---|
| Navy Federal Credit Unionjoin → | 6.250% | flat | 0.63 | Conventional · 30-yr | $146,535 | best |
| MID OREGON Credit Unionjoin → | 6.500% | flat | 0.13 | Conventional · 30-yr | $148,411 | +$1,876 |
| OnPoint Community CUjoin → | 6.500% | flat | 0.38 | Conventional · 30-yr | $149,386 | +$2,851 |
| PenFed Credit Unionjoin → | 6.250% | flat | 1.38 | Conventional · 30-yr | $149,460 | +$2,925 |
| Connexus Credit Unionjoin → | 6.375% | flat | 1 | Conventional · 30-yr | $149,886 | +$3,351 |
| Digital Federal CU (DCU)join → | 6.875% | ▼ 0.125 | 0 | Conventional · 30-yr | $153,721 | +$7,187 |
Conventional
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 6.250% | flat | 6.406% | 30y | 0.63 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 2d ago |
| 6.250% | flat | 6.458% | 30y | 1.38 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 8d ago |
| 6.375% | flat | 6.532% | 30y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 8d ago |
| 6.500% | flat | 6.654% | 30y | 0.13 | MID OREGON Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 2d ago |
| 6.500% | flat | 6.594% | 30y | 0.38 | OnPoint Community CU | Open to anyone living, working, worshipping, or attending school in OR or select WA counties | 2d ago |
| 6.875% | ▼ 0.125 | 6.993% | 30y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 2d ago |
| 5.625% | flat | 5.820% | 15y | 0.25 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 2d ago |
| 5.750% | ▲ 0.125 | 6.005% | 15y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 8d ago |
| 5.875% | flat | 6.046% | 15y | 0.5 | OnPoint Community CU | Open to anyone living, working, worshipping, or attending school in OR or select WA counties | 2d ago |
| 6.000% | flat | 6.249% | 15y | 0.13 | MID OREGON Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 2d ago |
| 6.125% | ▼ 0.125 | 6.313% | 15y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 2d ago |
| 6.000% | flat | 6.265% | 10y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 2d ago |
| 6.125% | ▲ 0.125 | 6.331% | 20y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 8d ago |
| 6.625% | ▼ 0.375 | 6.777% | 20y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 2d ago |
FHA · 3 rates
For borrowers with lower credit or smaller down payments. Requires mortgage insurance for the life of the loan unless 10%+ down.
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 5.750% | flat | 6.674% | 30y | 1.38 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 8d ago |
| 6.125% | flat | 6.795% | 30y | 0.13 | MID OREGON Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 2d ago |
| 6.375% | ▼ 0.125 | 6.491% | 30y | 0.5 | OnPoint Community CU | Open to anyone living, working, worshipping, or attending school in OR or select WA counties | 2d ago |
VA · 5 rates
For active military, veterans, reservists, National Guard, and qualifying surviving spouses. Often the lowest rates available, but requires VA eligibility.
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 5.750% | flat | 6.075% | 30y | 1.5 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 8d ago |
| 5.750% | flat | 6.186% | 30y | 0.63 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 2d ago |
| 6.125% | flat | 6.415% | 30y | 0.38 | MID OREGON Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 2d ago |
| 6.375% | ▼ 0.125 | 6.485% | 30y | 0.5 | OnPoint Community CU | Open to anyone living, working, worshipping, or attending school in OR or select WA counties | 2d ago |
| 5.375% | flat | 6.068% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 2d ago |
Jumbo · 8 rates
For loan amounts above the conforming limit ($832,750 in most counties, higher in high-cost areas). Tighter underwriting.
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 6.375% | ▲ 0.125 | 6.511% | 30y | 1.13 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 8d ago |
| 6.500% | flat | 6.658% | 30y | 0.63 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 2d ago |
| 6.500% | ▼ 0.125 | 6.594% | 30y | 0.5 | OnPoint Community CU | Open to anyone living, working, worshipping, or attending school in OR or select WA counties | 2d ago |
| 6.750% | ▼ 0.125 | 6.762% | 30y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 2d ago |
| 6.125% | ▼ 0.125 | 6.144% | 15y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 2d ago |
| 6.125% | flat | 6.323% | 15y | 0.25 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 2d ago |
| 6.000% | flat | 6.026% | 10y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 2d ago |
| 6.500% | ▼ 0.125 | 6.515% | 20y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 2d ago |
What would you pay at Oregon’s best rate?
At 6.250% (PenFed Credit Union, 30-yr conventional) — principal & interest only.
What to know about getting a mortgage in Oregon
Oregon has the cheapest homeowners insurance in the nation — around $700/year on average — which partially offsets high purchase prices in the Portland metro. Measure 50 caps assessed-value growth at 3%/year, so long-run escrow creep is milder than the sticker tax rate suggests.
The 2026 conforming loan limit in most Oregon counties is $832,750 for a single-family home (designated high-cost counties go higher). Loans above that are jumbo — expect tighter underwriting and different pricing.
The borrower-quoted offers above were submitted by real Oregon residents in the last 30 days. We score every submission for fraud signals before publishing, and verified offers carry a verified badge after we OCR the Loan Estimate.
The credit-union rates are taken from each lender's public rate sheet on the effective date shown. We don't take affiliate fees, sell contributor data, or rank lenders by commission. The full methodology is on the methodology page.
Got a quote in Oregon? Share it anonymously and help the next borrower price their quote.
Frequently asked: mortgages in Oregon
Straight answers, grounded in the data on this page.
What is the best mortgage rate in Oregon right now?+
The lowest conventional 30-year rate we're tracking in Oregon this week that anyone can join is 6.250% from PenFed Credit Union, 0.41% below the U.S. average of 6.660%. It's a real posted rate, not a teaser — your actual rate depends on your credit, down payment, and loan type. Credit unions with restricted membership (military or employer-based) sometimes post lower; those are listed below with their eligibility.
How much do you need to put down for a house in Oregon?+
The median home price in Oregon is about $490,000, so 20% down is roughly $98,000. Many buyers put down far less: conventional loans go as low as 3%, FHA 3.5%, and VA/USDA can be 0% for those who qualify (with mortgage insurance when you put down under 20%).
Which credit unions can Oregon residents join for a mortgage?+
Oregon residents can currently get posted mortgage rates from Navy Federal Credit Union, MID OREGON Credit Union, OnPoint Community CU, and others. Many credit unions let anyone join through a small one-time association membership — each one's eligibility and exact join steps are on its page.
What first-time homebuyer programs does Oregon have?+
Oregon's housing finance agency is the Oregon Housing and Community Services. The Oregon Bond Residential Loan program offers below-market rates or 3% cash assistance for first-time buyers. These programs work through participating lenders, so you can (and should) still compare the program rate against the credit-union rates on this page.
What is the conforming loan limit in Oregon?+
For most Oregon counties the 2026 conforming loan limit is $832,750 for a single-family home (designated high-cost counties go higher). Loans above the limit are jumbo, which typically means tighter underwriting and different pricing.
Does RatePerch take referral fees from lenders in Oregon?+
No. We don't take affiliate or referral fees, sell contributor data, or rank lenders by commission. Borrower-quoted rates are submitted anonymously by real Oregon residents, and credit-union rates are copied straight from each lender's public rate sheet.