Mortgage Refinancing in Oregon
Real refinance data for Oregon from federal sources, updated annually. See how your state compares to national averages.
Refinance Originations
4,931
2023 HMDA data
Avg Loan Amount
$476,541
National: $410,429
Denial Rate
25.72%
▲ Below national avg
Median Home Value
$454,200
U.S. Census Bureau
Source: HMDA 2023 via CFPB, U.S. Census Bureau ACS
Calculate your refinance savingsRefinance Trends in Oregon
Originations by Year
Refinance originations in Oregon by year. Source: HMDA via CFPB.
Loan Type Breakdown
Includes all refinance applications (originated, denied, and other outcomes). Source: HMDA via CFPB.
Home Price Trends in Oregon
Source: FHFA House Price Index
Top Lenders in Oregon
| # | Lender | HMDA Records | Avg Loan |
|---|---|---|---|
| 1 | Onpoint Community Credit Union | 11,592 | - |
| 2 | U.s. Bank National Association | 9,896 | - |
| 3 | Onpoint Community Credit Union | 9,090 | - |
| 4 | Umpqua Bank | 7,287 | - |
| 5 | Rocket Mortgage LLC | 7,032 | - |
| 6 | Guild Mortgage Company | 6,043 | - |
| 7 | United Shore Financial Services LLC | 5,948 | - |
| 8 | U.s. Bank National Association | 5,416 | - |
| 9 | First Technology | 4,633 | - |
| 10 | United Wholesale Mortgage LLC | 4,629 | - |
Ranked by total HMDA filings in the state (2023). Source: HMDA via CFPB.
Compare all lenders →How Oregon Compares
| Metric | Oregon | National Avg |
|---|---|---|
| Refinance Originations | 4,931 | 435,709 |
| Avg Loan Amount | $476,541 | $410,429 |
| Denial Rate | 25.72% | 27.87% |
Green indicates the state performs better than the national average. Red indicates worse. Source: HMDA 2023, U.S. Census Bureau.
Current Mortgage Rates
30-Year Fixed
6.38%
▲ 6.22% prev
15-Year Fixed
5.75%
▲ 5.54% prev
5/1 ARM
6.06%
▲ 5.95% prev
National average rates updated daily from FRED (Federal Reserve Bank of St. Louis). Your rate depends on your credit score, loan amount, and lender.
Get personalized rates →Frequently Asked Questions
How many people refinanced in Oregon in 2023?
In 2023, there were 4,931 refinance originations in Oregon, according to HMDA data reported to the CFPB.
What is the average refinance loan amount in Oregon?
The average refinance loan amount in Oregon was $476,541 in 2023. This reflects originated loans reported through HMDA.
What is the refinance denial rate in Oregon?
The refinance denial rate in Oregon was 25.72% in 2023. This is calculated from originated and denied applications reported to the CFPB.
What are the top refinance lenders in Oregon?
The most active lenders in Oregon by HMDA filing volume include Onpoint Community Credit Union, U.s. Bank National Association, Onpoint Community Credit Union. See the full list above for details.
Is it a good time to refinance in Oregon?
Whether refinancing makes sense depends on your current rate, loan balance, and how long you plan to stay in your home. Use our refinance calculator and break-even calculator to estimate your potential savings based on current national rates.
Want a deeper analysis?
Read our full editorial guide on refinancing in Oregon, including tips, regulations, and state programs.
Read the Oregon Refinance GuideData sourced from HMDA (Home Mortgage Disclosure Act) via the CFPB and FRED (Federal Reserve Bank of St. Louis). Demographics from the U.S. Census Bureau American Community Survey. This page is for educational purposes only and does not constitute financial advice. Consult a licensed mortgage professional for personalized guidance.