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Mortgage Rates Roseburg, Oregon (OR) for March 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Roseburg, Oregon. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Mortgage Rates Last Updated and Verified: March 20, 2026
Current 30-year fixed mortgage rates in Roseburg, Oregon as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: Wells FargoWells Fargo1701 Nw Garden Valley Blvd, Roseburg, OR, 97471A5.0 ★Texas Ratio: 7.44% at 6.25%, First Community Credit Union Coquille, ORFirst Community Credit Union Coquille, OR1771 NE Stephens St, Roseburg, OR, 97470A+5.0 ★Texas Ratio: 0.25% at 6.38%, U.S. BankU.S. Bank2080 Nw Stewart Pkwy, Roseburg, OR, 97470A5.0 ★Texas Ratio: 6.46% at 6.38%, Pacific NW Federal Credit UnionPacific NW Federal Credit Union1004 Pacific Ave, Hood River, OR, 97031 1961A+5.0 ★Texas Ratio: 3.79% at 5.88%, and HAPO Community Credit UnionHAPO Community Credit Union103 N Water St, Hermiston, OR, 97267A+5.0 ★Texas Ratio: 2.10% at 5.88%.
Mortgage rates in Roseburg, Oregon (OR) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to Oregon borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Roseburg, OR Mortgage Rate Trends
Compare local Roseburg, OR mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
For buyers in Roseburg, OR, the broader Oregon 30-year fixed average mortgage rate rose 0.304 points this week to 6.389%, according to MonitorBankRates trend data.
15-Year Fixed — OR Avg
5.906%
▼ 1.865 from last week
For buyers in Roseburg, OR, the broader Oregon 15-year fixed average mortgage rate fell 1.865 points this week to 5.906%, according to MonitorBankRates trend data.
As Low As; Rates include a 1% loan fee, are based on purchase of primary residence, and are subject to change without notice. Contact credit union for more details.
As Low As; Rates include a 1% loan fee, are based on purchase of primary residence, and are subject to change without notice. Contact credit union for more details.
As Low As; Rates include a 1% loan fee, are based on purchase of primary residence, and are subject to change without notice. Contact credit union for more details.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
2080 Nw Stewart Pkwy, Roseburg, OR, 97470
Federal Housing Administration (FHA) loans 30-year
The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Roseburg, Oregon directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Roseburg, Oregon. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in OR.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Roseburg, Oregon
How does my credit score affect my rate in Oregon?
Your credit score is a major factor. Generally, borrowers in Roseburg, Oregon with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Oregon because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in Oregon?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Oregon, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in Roseburg, Oregon, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in Roseburg, Oregon?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Oregon, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in Oregon?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Roseburg, Oregon offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in Roseburg, Oregon?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in Roseburg, Oregon?
Wells Fargo: 6.25% (30-Year Fixed Rate)
First Community Credit Union Coquille, OR: 6.38% (30 Year Mortgage)
U.S. Bank: 6.38% (30-year fixed refinance)
Pacific NW Federal Credit Union: 5.88% (30 Year Fixed Rate)
HAPO Community Credit Union: 5.88% (30-Year Fixed)
Mortgage Rates reflect actual verified offers from lenders actively lending to Oregon borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Brian McKay
