Mortgage Loans in Eugene, OR

Looking for the best fixed mortgage rates in Eugene, OR? Comparing loan offers from local lenders helps you find the right rate and terms to fit your budget. Start here to see competitive options tailored to your homebuying goals.

Eugene homebuyers deserve clear, friendly guidance through the mortgage process. With flexible down payment choices and personalized service, you can feel confident locking in a low fixed rate that makes your dream home more affordable.

PurchaseRefinanceData Analysis

Filters

Loan Type
Lender
Loan Type
Rate
APR
Term
Link
Info
penfed
Conv
6.25 %
6.446 %
30 Yrs
∞
myoccu
Conv
7.561 - 8.454 %
7.561 - 8.454 %
15 - 30 Yrs
∞

Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-28

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%, unchanged from 7, 30, 60, and 90 days ago. When the Fed Funds rate is higher, it can put upward pressure on mortgage rates because lenders’ borrowing costs increase.

Credit Union Loan Rates - Trends & Analysis:

Pentagon offers a 30-year Conventional Fixed at 6.25% and a 30-year Conventional Refi at 6.125%, down 13 bp from a week ago but up 13 bp from 30 days ago. Their 30-year FHA and VA Fixed rates are both 5.75%, with FHA up 13 bp from a week ago. The Jumbo 30-year Fixed rate is steady at 6.25%. Oregon Community offers a 15-year fixed rate at 7.561% and a 30-year fixed rate at 8.013%, both unchanged from last week and last month.

Market Indicators - Data & Insights:

Today, Zillow's 30-year mortgage rate is 6.465%, slightly higher than Freddie Mac's 30-year rate at 6.650%. Zillow's 30-year rate is also higher than it was 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.

🏦 Local Lenders in Eugene, OR

See the full lender directory — hours, services & financials →

🏘️ All the Lenders Available in Lane County, OR

✅OREGON COMMUNITY CREDIT UNION
✅PACIFIC CASCADE FEDERAL CREDIT UNION
✅ONPOINT COMMUNITY CREDIT UNION
✅SELCO COMMUNITY CREDIT UNION
✅FIRST TECHNOLOGY FEDERAL CREDIT UNION
✅TWINSTAR CREDIT UNION
✅EWEB EMPLOYEES FEDERAL CREDIT UNION
✅FIRST COMMUNITY 68530 CREDIT UNION
✅PENTAGON FEDERAL CREDIT UNION
✅CENTRAL WILLAMETTE CREDIT UNION
✅GATEWAY 63476 CREDIT UNION
✅EMERALD EMPIRE FEDERAL CREDIT UNION

Compare other loan types in Eugene, OR

Why compare Mortgage Loans in Eugene, OR on LendMesh

If you’re searching for the best fixed mortgage rates in Eugene, OR, it pays to keep comparing lenders on LendMesh. Exploring multiple offers helps you uncover better deals and potentially lower payments without any pressure. Take your time, weigh your options, and use LendMesh as your trusted resource for transparent, up-to-date loan information tailored to your local market.

Stay informed effortlessly by subscribing to LendMesh’s personalized alerts. Simply set your target rate—say 4% or 5%—and receive instant notifications when offers dip below your goal. With weekly or monthly updates featuring expert tips, market trends, and curated loan deals, Eugene homebuyers can confidently navigate the mortgage landscape and seize the best opportunities as they arise.

Customers are also interested in:

Best Mortgage Rates Fixed