Tomo Mortgage 30 Year Fixed
NMLS #2059741
- RateRate as of 10/26/26
- 6.250%
- APRAPR
- 6.438%
- Monthly paymentMonthly payment
- $2,717
- Points
- 1.403
- Upfront costs
- $7,873
- 8-year cost
- $215,753
- Lender rating
Oregon mortgage and refinance rates for October 2026
Written by
Updated on October 26, 2026
On Monday, October 26, 2026, the national average 30-year fixed mortgage APR is 7.43%. The national average 30-year fixed refinance APR is 7.55%, according to Bankrate's latest survey of the nation's largest mortgage lenders.
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Oregon mortgage and refinance rates today
Showing results for: Single-family home, 30 year fixed and 5 year ARM mortgages with all points options.
For live offers, represented by the solid button on each, we earn a fixed fee if you connect with the lender.
Lender
Rate as of 10/26/26
APR
Monthly payment
NewLender rating
Optimum First Mortgage 30 Year Fixed
NMLS #240415 | State Lic: 240415
- RateRate as of 10/26/26
- 6.247%
- APRAPR
- 6.455%
- Monthly paymentMonthly payment
- $2,708
- Points
- 1.705
- Upfront costs
- $9,497
- 8-year cost
- $217,641
- Lender rating
Sage Home Loans 30 Year Fixed
NMLS #3304 | State Lic: 3304
- RateRate as of 10/26/26
- 6.248%
- APRAPR
- 6.458%
- Monthly paymentMonthly payment
- $2,709
- Points
- 1.839
- Upfront costs
- $9,586
- 8-year cost
- $217,765
- Lender rating
Mutual of Omaha Mortgage 30 Year Fixed
NMLS # 1025894
- RateRate as of 10/26/26
- 6.500%
- APRAPR
- 6.713%
- Monthly paymentMonthly payment
- $2,781
- Points
- 1.67
- Upfront costs
- $9,586
- 8-year cost
- $226,661
- Lender rating
Mcglone Mortgage Group 30 Year Fixed
NMLS #3232 | State Lic: ML-5555
- RateRate as of 10/26/26
- 6.500%
- APRAPR
- 6.713%
- Monthly paymentMonthly payment
- $2,781
- Points
- 1.75
- Upfront costs
- $9,595
- 8-year cost
- $226,670
- Lender rating
The Central Trust Bank 30 Year Fixed
NMLS #407985
- RateRate as of 10/26/26
- 6.490%
- APRAPR
- 6.728%
- Monthly paymentMonthly payment
- $2,779
- Points
- 1.977
- Upfront costs
- $10,688
- 8-year cost
- $227,409
- Lender rating
Sammamish Mortgage 30 Year Fixed
NMLS #118653 | State Lic: MI-5046
- RateRate as of 10/26/26
- 6.625%
- APRAPR
- 6.788%
- Monthly paymentMonthly payment
- $2,817
- Points
- 1.665
- Upfront costs
- $7,327
- 8-year cost
- $228,822
- Lender rating
Alliant Credit Union 30 Year Fixed
NMLS #197185
- RateRate as of 10/26/26
- 6.625%
- APRAPR
- 6.814%
- Monthly paymentMonthly payment
- $2,817
- Points
- 1.71
- Upfront costs
- $8,474
- 8-year cost
- $229,969
- Lender rating
First Federal Bank 30 Year Fixed
NMLS #408902
- RateRate as of 10/26/26
- 6.624%
- APRAPR
- 6.833%
- Monthly paymentMonthly payment
- $2,818
- Points
- 1.852
- Upfront costs
- $9,343
- 8-year cost
- $230,803
- Lender rating
Flagstar Bank 30 Year Fixed
NMLS #417490
- RateRate as of 10/26/26
- 6.625%
- APRAPR
- 6.845%
- Monthly paymentMonthly payment
- $2,818
- Points
- 1.893
- Upfront costs
- $9,824
- 8-year cost
- $231,319
- Lender rating
New American Funding 30 Year Fixed
NMLS #6606
- RateRate as of 10/26/26
- 7.375%
- APRAPR
- 7.617%
- Monthly paymentMonthly payment
- $3,039
- Points
- 1.781
- Upfront costs
- $10,336
- 8-year cost
- $257,929
- Lender rating
Optimum First Mortgage 5/6 Arm
NMLS #240415 | State Lic: 240415
- RateRate as of 10/26/26
- 5.622%
- APRAPR
- 6.318%
- Monthly paymentMonthly payment
- $2,532
- Points
- 1.685
- Upfront costs
- $9,409
- 8-year cost
- $201,722
- Lender rating
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About our Mortgage Rate Tables: The above mortgage loan information is provided to, or obtained by, Bankrate. Some lenders provide their mortgage loan terms to Bankrate for advertising purposes and Bankrate receives compensation from those advertisers (our “Advertisers”). Other lenders' terms are gathered by Bankrate through its own research of available mortgage loan terms and that information is displayed in our rate table for applicable criteria. In the above table, an Advertiser listing can be identified and distinguished from other listings because it includes a “Next” button that can be used to click-through to the Advertiser's own website or a phone number for the Advertiser.
Availability of Advertised Terms: Each Advertiser is responsible for the accuracy and availability of its own advertised terms. Bankrate cannot guaranty the accuracy or availability of any loan term shown above. However, Bankrate attempts to verify the accuracy and availability of the advertised terms through its quality assurance process and requires Advertisers to agree to our Terms and Conditions and to adhere to our Quality Control Program. Click here for rate criteria by loan product.
Loan Terms for Bankrate.com Customers: Advertisers may have different loan terms on their own website from those advertised through Bankrate.com. To receive the Bankrate.com rate, you must identify yourself to the Advertiser as a Bankrate.com customer. This will typically be done by phone so you should look for the Advertisers phone number when you click-through to their website. In addition, credit unions may require membership.
Loans Above $832,750 May Have Different Loan Terms: If you are seeking a loan for more than $832,750, lenders in certain locations may be able to provide terms that are different from those shown in the table above. You should confirm your terms with the lender for your requested loan amount.
Taxes and Insurance Excluded from Loan Terms: The loan terms (APR and Payment examples) shown above do not include amounts for taxes or insurance premiums. Your monthly payment amount will be greater if taxes and insurance premiums are included.
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Current mortgage rates in Oregon
As of Monday, October 26, 2026, current interest rates in Oregon are 7.79% for a 30-year fixed mortgage and 7.04% for a 15-year fixed mortgage.
Mortgage rates in Oregon, and throughout the country, began 2026 around 6.25%. In recent months, economic uncertainty and inflation concerns have pushed rates higher, and they’re currently hovering in the mid-6% range. The war in Iran has had a ripple effect on the economy, helping keep rates higher than forecasted, and some experts have suggested that the Fed may even raise its target rate this year. Still, industry analysts expect mortgage rates to remain between 6% and 7% for the remainder of the year.
Learn more:
Latest mortgage rate forecast
Refinance rates in Oregon
While today’s mortgage refinance rates are higher than they were a few years ago, now may be a good time to refinance if you bought when rates were closer to 8%. National refinance applications have risen by about 28% year-over-year, according to the Mortgage Bankers Association.
High home values are giving property owners a distinct advantage. According to the May 2026 ICE Mortgage Monitor report, 48 million homeowners have access to an average of $207,000 in tappable equity. By choosing a cash-out refinance, you can convert that accumulated equity into cash to cover upcoming expenses.
Learn more:
Why and how to do a cash-out refinance
National mortgage rates by loan type
| Product | Interest Rate | APR |
|---|---|---|
| 30-Year Fixed Rate | 7.36% | 7.43% |
| 15-Year Fixed Rate | 6.77% | 6.88% |
| 30-Year Fixed Rate FHA | 7.19% | 7.24% |
| 30-Year Fixed Rate VA | 7.16% | 7.22% |
| 30-Year Fixed Rate Jumbo | 7.43% | 7.47% |
| 3/1 ARM Rate | 6.25% | 7.01% |
| 7/1 ARM Rate | 6.46% | 6.84% |
Rates as of Monday, October 26, 2026 at 6:30 AM
First-time homebuyer programs in Oregon
Oregon Housing and Community Services (OCHS) is a government agency that helps prospective homeowners with a variety of programs. These include:
- FirstHome: This program offers competitive rates for first-time buyers, along with 4% or 5% of the home price in down payment assistance and reduced mortgage insurance for borrowers earning less than 80% of the area median income. You’ll need a credit score of at least 620 and an income within your county's limits. You'll also need to complete a homebuyer education course.
- Down payment and closing cost assistance: Eligible borrowers can receive up to $60,000 or 20% of the purchase price, whichever is less. A portion of the program’s funds is reserved for veterans, who can use up to 10% of the funds to make lender-required repairs to a property.
Learn more:
Oregon first-time homebuyer programs
How to find the best mortgage rate in Oregon for you
-
Step 1: Strengthen your credit score
Long before you start looking for a mortgage lender or applying for a loan, give your finances a checkup, and improve your credit score if needed.
-
Step 2: Determine your budget
To find the right mortgage, you’ll need a good handle on how much house you can afford.
-
Step 3: Know your mortgage options
There are a few different types of mortgages.
-
Step 4: Compare rates and terms from several lenders
Rate-shop with at least three different banks or mortgage companies to find the best deal.
-
Step 5: Get preapproved for a mortgage
Getting a mortgage preapproval is the only way to get accurate loan pricing for your specific situation.
Learn more:
How to get a mortgage
Additional mortgage resources
Meet our Bankrate experts
Andrew Dehan is a former Bankrate housing reporter. He's taken the NMLS Loan Originator education classes and passed the MLO SAFE test. Besides Bankrate, his work has been published by Rocket Mortgage, Forbes Advisor and Business Insider. He’s also a poet, musician and nature-lover. He lives in metro Detroit with his wife and children.
Expertise
- Mortgages
- Mortgage refinance
