Mortgage Lenders and Brokers in Baker City, Oregon
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Baker City, Oregon mortgage lenders include Banner BankBanner Bank2024 Washington Ave, Baker City, OR 97814A+5.0 ★Texas Ratio: 2.91%, Columbia BankColumbia Bank1990 Washington Ave, Baker City, OR 97814A+5.0 ★Texas Ratio: 2.28%, US Bank, N.A.US Bank, N.A.2000 Main St, Baker City, OR 97814A+5.0 ★Texas Ratio: 2.85%, OnPoint Community Credit UnionOnPoint Community Credit Union2500 Santiam Hwy SE, Albany, OR 97322 5265A+5.0 ★Texas Ratio: 4.12%, Rogue Credit UnionRogue Credit Union415 Lithia Way, Ashland, OR 97520A+5.0 ★Texas Ratio: 5.02%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA231 Ellsworth St Sw, Albany, OR 97321A+5.0 ★Texas Ratio: 3.68%, Rivermark Community Credit UnionRivermark Community Credit Union4875 SW Griffith Dr, Beaverton, OR 97005 8722A5.0 ★Texas Ratio: 9.96%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.1211 Sw 5th Ave, Portland, OR 97204A+5.0 ★Texas Ratio: 3.72%, Mid Oregon Federal Credit UnionMid Oregon Federal Credit Union63088 18th St, Bend, OR 97701 7102A+5.0 ★Texas Ratio: 0.98%, and Alameda Mortgage Corporation. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Baker City, Oregon in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Baker City are listed first, then lenders elsewhere in Oregon, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Baker City, Oregon
Market share is the lender's share of all home loans closed in Baker City, Oregon. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Baker City 2024 Washington Ave, Baker City, OR 97814 A+5.0 ★Texas Ratio: 2.91% |
Conventional, FHA, USDA, HELOC | 22 +9 HELOCs |
10.1% | 88% | $202,727 | View |
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1 office in Baker City 1990 Washington Ave, Baker City, OR 97814 A+5.0 ★Texas Ratio: 2.28% |
Conventional, FHA, VA, USDA, HELOC | 14 +6 HELOCs |
6.4% | 100% | $247,142 | View |
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1 office in Baker City 2000 Main St, Baker City, OR 97814 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 6 +3 HELOCs |
2.8% | 66.7% | $165,000 | View |
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2500 Santiam Hwy SE, Albany, OR 97322 5265 A+5.0 ★Texas Ratio: 4.12% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.9% | 100% | $280,000 | View |
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415 Lithia Way, Ashland, OR 97520 A+5.0 ★Texas Ratio: 5.02% |
Conventional | 2 | 0.9% | 66.7% | $110,000 | View |
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231 Ellsworth St Sw, Albany, OR 97321 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.5% | 100% | $185,000 | View |
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4875 SW Griffith Dr, Beaverton, OR 97005 8722 A5.0 ★Texas Ratio: 9.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1211 Sw 5th Ave, Portland, OR 97204 A+5.0 ★Texas Ratio: 3.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 63088 18th St, Bend, OR 97701 7102 A+5.0 ★Texas Ratio: 0.98% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Alameda Mortgage Corporation
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Conventional, FHA, VA, USDA | 29 | 13.3% | 100% | $251,206 | |
Rocket Mortgage
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Conventional, FHA, VA | 24 | 11% | 80% | $208,750 | |
Synergy One Lending, Inc.
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Conventional, FHA, USDA | 14 | 6.4% | 100% | $277,142 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 13 +1 HELOCs |
6% | 86.7% | $249,615 | |
Newrez LLC
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Conventional, FHA, VA, USDA | 10 | 4.6% | 83.3% | $238,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 8 | 3.7% | 100% | $215,000 | |
loanDepot.com LLC
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Conventional, VA | 6 | 2.8% | 54.5% | $196,666 | |
Mortgage Research Center
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VA | 5 | 2.3% | 55.6% | $317,000 | |
New American Funding, LLC.
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Conventional, FHA | 5 | 2.3% | 100% | $171,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 4 | 1.8% | 33.3% | $87,500 | |
Mutual of Omaha Mortgage
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Conventional, VA | 4 | 1.8% | 83.3% | $270,000 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.4% | 85.7% | $205,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 3 | 1.4% | 75% | $125,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.9% | 100% | $80,000 | |
CrossCountry Mortgage, LLC
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FHA | 2 | 0.9% | 100% | $260,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 0.9% | 100% | $145,000 | |
New Day Financial, LLC.
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VA | 2 | 0.9% | 100% | $285,000 | |
Nationstar Mortgage
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VA | 2 | 0.9% | 100% | $200,000 | |
Navy Federal Credit Union
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Conventional, VA | 2 | 0.9% | 100% | $240,000 | |
Village Capital & Investment
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VA | 2 | 0.9% | 66.7% | $270,000 | |
Spokane Teachers Credit Union
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Conventional, HELOC | 1 +3 HELOCs |
0.5% | 50% | $195,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 50% | $75,000 | |
EMM Loans LLC
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VA | 1 | 0.5% | 100% | $355,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $135,000 | |
RANLife, Inc.
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USDA | 1 | 0.5% | 100% | $175,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.5% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 5.70% |
Conventional | 1 | 0.5% | 100% | $465,000 | View |
Movement Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $395,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $345,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.5% | 100% | $85,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.5% | 100% | $315,000 | |
HomeBridge Financial Services, Inc
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FHA | 1 | 0.5% | 100% | $275,000 | |
Bayshore Mortgage Funding
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FHA | 1 | 0.5% | 100% | $265,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $125,000 | |
Fibre Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $125,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.5% | 50% | $365,000 | View |
Land Home Financial Services,
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FHA | 1 | 0.5% | 50% | $375,000 | |
Potlatch No 1 Financial Credit U
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Conventional | 1 | 0.5% | 100% | $45,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.5% | 100% | $185,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.5% | 100% | $295,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.5% | 50% | $135,000 | View |
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A+5.0 ★Texas Ratio: 4.14% |
FHA | 1 | 0.5% | 100% | $515,000 | View |
Agwest Farm Credit, Flca
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Conventional | 1 | 0.5% | 50% | $225,000 | |
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A+5.0 ★Texas Ratio: 3.50% |
VA | 1 | 0.5% | 100% | $515,000 | View |
The Loan Store, Inc
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Conventional | 1 | 0.5% | 100% | $175,000 | |
Gesa Credit Union
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Conventional | 1 | 0.5% | 100% | $95,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $255,000 | |
Idaho Central Credit Union
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Conventional | 1 | 0.5% | 66.7% | $185,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Allied Mortgage Group, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Baker City Mortgage Rate Trends
Daily average mortgage rates for Oregon compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Baker City, Oregon
Looking for mortgage lenders near me or mortgage brokers near me in Baker City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Baker City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Baker City, OR
Use these to narrow the list above. Each category shows how many Baker City, OR lenders fit and what that kind of lender is usually best for.
Who Lends in Baker City, OR
Independent mortgage companies closed 73.4 percent of home loans in Baker City, Oregon in 2025, banks 21.1 percent and credit unions 5.5 percent. Alameda Mortgage Corporation was the largest mortgage company, Banner Bank the largest bank and OnPoint Community Credit Union the largest credit union. Among lenders headquartered in Oregon, Columbia Bank led with 14 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Oregon. None statewide (the Oregon Constitution bars new transfer taxes) except Washington County, which charges $1 per $1,000 of price; no mortgage recording tax.
More Oregon Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Baker City, OR
By home loans closed in 2025, Banner Bank was the largest mortgage lender in Baker City, Oregon with 22 loans, about 10.1 percent of the market. The largest lender headquartered in Oregon was Columbia Bank with 14 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
21 lenders closed FHA loans in Baker City, Oregon in 2025, led by Alameda Mortgage Corporation with 16. 18 lenders closed VA loans, led by United Wholesale Mortgage, and 6 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 9 banks and 11 credit unions closed home loans in Baker City, Oregon in 2025, alongside 42 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Baker City, Oregon during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Baker City, Oregon for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Baker City. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
