EMBOLD Mortgage Rates

Today's rates from EMBOLD

EMBOLD publishes its mortgage rates through a quote tool, not a rate table.

The tool shows nothing until you enter loan details, so the rates below are the quotes it returned for our standard scenario: Purpose: Purchase; Home price: $450,000; Loan amount: $360,000; Down payment: 20%; Credit score: 780; Property: Single-family home, primary residence; ZIP: 97267; Assumed income: $4,000/month. Your own quote will differ if your details do. Because these figures come from our inputs rather than EMBOLD's own published table, they're left out of "lowest rate" callouts and #1 spots, but still appear in every table.

Product	Rate	APR	Points	We read	Source
30 Year Fixed	6.75%	7.048% Quoted scenario This lender publishes rates only through a quote tool. We entered these details to get this number: Purpose: Purchase Home price: $450,000 Loan amount: $360,000 Down payment: 20% Credit score: 780 Property: Single-family home, primary residence ZIP: 97267 Assumed income: $4,000/month	1.25	Nov 2, 2026	Visit
20 Year Fixed	6.5%	6.919% Quoted scenario This lender publishes rates only through a quote tool. We entered these details to get this number: Purpose: Purchase Home price: $450,000 Loan amount: $360,000 Down payment: 20% Credit score: 780 Property: Single-family home, primary residence ZIP: 97267 Assumed income: $4,000/month	1.5	Nov 2, 2026	Visit
15 Year Fixed	6.125%	6.664% Quoted scenario This lender publishes rates only through a quote tool. We entered these details to get this number: Purpose: Purchase Home price: $450,000 Loan amount: $360,000 Down payment: 20% Credit score: 780 Property: Single-family home, primary residence ZIP: 97267 Assumed income: $4,000/month	1.625	Nov 2, 2026	Visit
FHA 30 Year Fixed	6.25%	7.225% Quoted scenario This lender publishes rates only through a quote tool. We entered these details to get this number: Purpose: Purchase Home price: $450,000 Loan amount: $360,000 Down payment: 20% Credit score: 780 Property: Single-family home, primary residence ZIP: 97267 Assumed income: $4,000/month	2.625	Nov 2, 2026	Visit
FHA 15 Year Fixed	6.25%	7.677% Quoted scenario This lender publishes rates only through a quote tool. We entered these details to get this number: Purpose: Purchase Home price: $450,000 Loan amount: $360,000 Down payment: 20% Credit score: 780 Property: Single-family home, primary residence ZIP: 97267 Assumed income: $4,000/month	4.25	Nov 2, 2026	Visit
VA 30 Year Fixed	5.25%	6.211% Quoted scenario This lender publishes rates only through a quote tool. We entered these details to get this number: Purpose: Purchase Home price: $450,000 Loan amount: $360,000 Down payment: 20% Credit score: 780 Property: Single-family home, primary residence ZIP: 97267 Assumed income: $4,000/month	7	Nov 2, 2026	Visit
VA 15 Year Fixed	5.25%	6.347% Quoted scenario This lender publishes rates only through a quote tool. We entered these details to get this number: Purpose: Purchase Home price: $450,000 Loan amount: $360,000 Down payment: 20% Credit score: 780 Property: Single-family home, primary residence ZIP: 97267 Assumed income: $4,000/month	3.875	Nov 2, 2026	Visit
USDA 30 Year Fixed	6.25%	7.143% Quoted scenario This lender publishes rates only through a quote tool. We entered these details to get this number: Purpose: Purchase Home price: $450,000 Loan amount: $360,000 Down payment: 20% Credit score: 780 Property: Single-family home, primary residence ZIP: 97267 Assumed income: $4,000/month	2.625	Nov 2, 2026	Visit
15 Year Fixed Refinance	6.125%	6.664% Quoted scenario This lender publishes rates only through a quote tool. We entered these details to get this number: Purpose: Refinance Home price: $450,000 Loan amount: $360,000 Down payment: 20% Credit score: 780 Property: Single-family home, primary residence ZIP: 97267 Assumed income: $4,000/month	1.625	Nov 2, 2026	Visit
20 Year Fixed Refinance	6.5%	6.936% Quoted scenario This lender publishes rates only through a quote tool. We entered these details to get this number: Purpose: Refinance Home price: $450,000 Loan amount: $360,000 Down payment: 20% Credit score: 780 Property: Single-family home, primary residence ZIP: 97267 Assumed income: $4,000/month	1.625	Nov 2, 2026	Visit
30 Year Fixed Refinance	6.75%	7.048% Quoted scenario This lender publishes rates only through a quote tool. We entered these details to get this number: Purpose: Refinance Home price: $450,000 Loan amount: $360,000 Down payment: 20% Credit score: 780 Property: Single-family home, primary residence ZIP: 97267 Assumed income: $4,000/month	1.25	Nov 2, 2026	Visit
FHA 15 Year Fixed Refinance	6.25%	7.677% Quoted scenario This lender publishes rates only through a quote tool. We entered these details to get this number: Purpose: Refinance Home price: $450,000 Loan amount: $360,000 Down payment: 20% Credit score: 780 Property: Single-family home, primary residence ZIP: 97267 Assumed income: $4,000/month	4.25	Nov 2, 2026	Visit
FHA 30 Year Fixed Refinance	7.125%	8.041% Quoted scenario This lender publishes rates only through a quote tool. We entered these details to get this number: Purpose: Refinance Home price: $450,000 Loan amount: $360,000 Down payment: 20% Credit score: 780 Property: Single-family home, primary residence ZIP: 97267 Assumed income: $4,000/month	1.75	Nov 2, 2026	Visit
USDA 30 Year Fixed Refinance	6.25%	7.143% Quoted scenario This lender publishes rates only through a quote tool. We entered these details to get this number: Purpose: Refinance Home price: $450,000 Loan amount: $360,000 Down payment: 20% Credit score: 780 Property: Single-family home, primary residence ZIP: 97267 Assumed income: $4,000/month	2.625	Nov 2, 2026	Visit
VA 30 Year Fixed Refinance	6.875%	7.411% Quoted scenario This lender publishes rates only through a quote tool. We entered these details to get this number: Purpose: Refinance Home price: $450,000 Loan amount: $360,000 Down payment: 20% Credit score: 780 Property: Single-family home, primary residence ZIP: 97267 Assumed income: $4,000/month	3	Nov 2, 2026	Visit

Visit EMBOLD's rates page

Rate history

Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

Collecting data — the trend chart appears after a few days of tracking.

Who can join EMBOLD

Membership is open to anyone who lives, works, worships, or attends school in Clackamas, Marion, Multnomah, Polk, Washington, and Yamhill counties in Oregon. Immediate family members of current members are also eligible. Historically, the credit union (formerly CLACKCO Federal Credit Union) served county, municipal, state, and federal employees in Clackamas County.

County

Clackamas, OR, Multnomah, OR, Washington, OR, Marion, OR, Yamhill, OR, Polk, OR

Where EMBOLD writes mortgages

EMBOLD publishes mortgage lending in 1 state.

Oregon

Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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