Loan Estimate Challenges
Oregon’s Biggest LE Challenges

A State With Promulgated Rates

Oregon is one of only a few states in which the title insurance rate is promulgated, meaning all title insurers are required to charge the premium rates set by the state or agency overseeing the regulated rates, and no discounting or variation from the promulgated rates is permitted. Oregon’s promulgated rates are set and overseen by the Oregon Title Insurance Rating Organization (OTIRO), to which all underwriters choosing to do business in the state of Oregon must adhere.

Recording Fees and Transfer Tax

Oregon is also home to county-specific recording fees, which do vary from county to county.

Finally, only one county in Oregon, Washington County, levies a transfer tax. That transfer tax is customarily split between the buyer and the seller.


Last edited July 14, 2023

LodeStar Software Solutions prides itself on being the most accurate provider of the most up-to-date closing fees in the mortgage industry—so much so that we guarantee those rates. However, unlike the closing fee data we provide our clients through our product, LodeStar can only guarantee the accuracy of the content delivered through LE Challenges at the time of publication.LE Challenges is published solely for marketing and advertising purposes to provide an example of the depth and breadth of our commitment to providing accurate closing fees to its clients. While we do our best to update the content of LE Challenges as often as possible, the data shared here is in no way intended to serve as data to be relied upon in the generation of an actual Loan Estimate or any other element of a mortgage transaction.



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