Mortgage Lenders and Brokers in Cottage Grove, Oregon
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Cottage Grove, Oregon mortgage lenders include Columbia BankColumbia Bank625 E Gibbs Ave, Cottage Grove, OR 97424A+5.0 ★Texas Ratio: 2.28%, US Bank, N.A.US Bank, N.A.29 N 7th St, Cottage Grove, OR 97424A+5.0 ★Texas Ratio: 2.85%, Banner BankBanner Bank25 Gateway Blvd, Cottage Grove, OR 97424A+5.0 ★Texas Ratio: 2.91%, Oregon Community Credit UnionOregon Community Credit Union150 Gateway Blvd, Cottage Grove, OR 97424 1741A5.0 ★Texas Ratio: 11.19%, Selco Community Credit UnionSelco Community Credit Union1823 14th Ave SE, Albany, OR 97322A+5.0 ★Texas Ratio: 1.92%, Keybank National AssociationKeybank National Association128 3rd Ave Sw, Albany, OR 97321A+5.0 ★Texas Ratio: 4.81%, Wells Fargo Bank NAWells Fargo Bank NA2100 Pacific Blvd Se, Albany, OR 97321A+5.0 ★Texas Ratio: 5.36%, Rogue Credit UnionRogue Credit Union415 Lithia Way, Ashland, OR 97520A+5.0 ★Texas Ratio: 5.02%, OnPoint Community Credit UnionOnPoint Community Credit Union2500 Santiam Hwy SE, Albany, OR 97322 5265A+5.0 ★Texas Ratio: 4.12%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA231 Ellsworth St Sw, Albany, OR 97321A+5.0 ★Texas Ratio: 3.68%. 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 Cottage Grove, Oregon in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cottage Grove 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 Cottage Grove, Oregon
Market share is the lender's share of all home loans closed in Cottage Grove, 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 |
|---|---|---|---|---|---|---|
|
1 office in Cottage Grove 625 E Gibbs Ave, Cottage Grove, OR 97424 A+5.0 ★Texas Ratio: 2.28% |
Conventional, VA, HELOC | 7 +8 HELOCs |
2.3% | 100% | $286,428 | View |
|
1 office in Cottage Grove 29 N 7th St, Cottage Grove, OR 97424 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 5 +6 HELOCs |
1.7% | 45.5% | $253,000 | View |
|
1 office in Cottage Grove 25 Gateway Blvd, Cottage Grove, OR 97424 A+5.0 ★Texas Ratio: 2.91% |
Conventional, HELOC | 3 +5 HELOCs |
1% | 75% | $475,000 | View |
|
150 Gateway Blvd, Cottage Grove, OR 97424 1741 A5.0 ★Texas Ratio: 11.19% |
Conventional, HELOC | 9 +26 HELOCs |
3% | 100% | $213,888 | View |
|
1823 14th Ave SE, Albany, OR 97322 A+5.0 ★Texas Ratio: 1.92% |
Conventional, HELOC | 4 +12 HELOCs |
1.3% | 100% | $442,500 | View |
|
128 3rd Ave Sw, Albany, OR 97321 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 2 | 0.7% | 100% | $175,000 | View |
|
2100 Pacific Blvd Se, Albany, OR 97321 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.7% | 100% | $180,000 | View |
|
415 Lithia Way, Ashland, OR 97520 A+5.0 ★Texas Ratio: 5.02% |
Conventional | 2 | 0.7% | 100% | $155,000 | View |
|
2500 Santiam Hwy SE, Albany, OR 97322 5265 A+5.0 ★Texas Ratio: 4.12% |
FHA, HELOC | 1 +5 HELOCs |
0.3% | 100% | $405,000 | View |
|
231 Ellsworth St Sw, Albany, OR 97321 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $385,000 | View |
|
4875 SW Griffith Dr, Beaverton, OR 97005 8722 A5.0 ★Texas Ratio: 9.96% |
Conventional | 1 | 0.3% | 100% | $445,000 | View |
|
715 Laneda Avenue, Manzanita, OR 97130 A+5.0 ★Texas Ratio: 4.31% |
Conventional | 1 | 0.3% | 100% | $415,000 | View |
|
2495 Ne Town Center Dr, Beaverton, OR 97006 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.3% | 100% | $535,000 | View |
|
★ 5 stars, 1 review 3215 SW Cedar Hills Blvd, Beaverton, OR 97005 A+5.0 ★Texas Ratio: 3.01% |
Conventional | 1 | 0.3% | 100% | $245,000 | View |
|
75 12th ST SE, Bandon, OR 97411 A+5.0 ★Texas Ratio: 0.21% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
1375 Nw 185th Ave, Aloha, OR 97006 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Directors Mortgage, Inc
|
Conventional, FHA | 8 | 2.6% | 100% | $271,250 | |
Lpmc, LLC dba Landmark Profess
|
Conventional | 2 | 0.7% | 100% | $380,000 | |
Mortgage Express
|
FHA | 2 | 0.7% | 100% | $240,000 | |
Consolidated Community Credit
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
|
Conventional, FHA, VA, USDA, HELOC | 30 +1 HELOCs |
9.9% | 77.5% | $342,666 | |
Rocket Mortgage
|
Conventional, FHA | 29 | 9.6% | 81.1% | $286,724 | |
Summit Funding.Inc
|
Conventional, FHA | 27 | 8.9% | 93.3% | $327,592 | |
Guild Mortgage Company
|
Conventional, FHA, VA | 18 | 5.9% | 100% | $295,555 | |
Cmg Mortgage Inc
|
Conventional, FHA, USDA | 17 | 5.6% | 100% | $333,823 | |
Newrez LLC
|
Conventional, FHA, VA, USDA | 12 | 4% | 86.7% | $298,333 | |
Paramount Residential Mortgage
|
Conventional, FHA | 11 | 3.6% | 100% | $302,272 | |
Pennymac Loan Services LLC
|
Conventional, FHA, VA | 9 | 3% | 75% | $238,333 | |
American Pacific Mortgage Corporation
|
Conventional, FHA | 6 | 2% | 85.7% | $278,333 | |
Mortgage Research Center
|
VA | 6 | 2% | 85.7% | $343,333 | |
Freedom Mortgage Corporation
|
Conventional, FHA, VA | 5 | 1.7% | 85.7% | $411,000 | |
loanDepot.com LLC
|
Conventional | 5 | 1.7% | 100% | $193,000 | |
American Financial Resources LLC
|
Conventional, FHA, VA | 4 | 1.3% | 100% | $412,500 | |
Fairway Independent Mort Corp
|
Conventional, FHA | 4 | 1.3% | 100% | $267,500 | |
Peak Credit Union
|
Conventional, HELOC | 3 +16 HELOCs |
1% | 100% | $348,333 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, VA, HELOC | 3 +2 HELOCs |
1% | 100% | $491,666 | |
Spring Eq, LLC
|
Conventional, HELOC | 3 +1 HELOCs |
1% | 75% | $51,666 | |
Premier Mortgage Resources, LLC
|
Conventional, FHA | 3 | 1% | 100% | $331,666 | |
Kind Lending, LLC
|
Conventional, FHA | 3 | 1% | 100% | $365,000 | |
Nationstar Mortgage
|
Conventional, VA | 3 | 1% | 100% | $148,333 | |
All Credit Considered Mortgage, Inc.
|
Conventional | 2 | 0.7% | 100% | $525,000 | |
Triad Financial Services, Inc.
|
Conventional | 2 | 0.7% | 75% | $145,000 | |
Amerisave Mortgage Company
|
Conventional | 2 | 0.7% | 33.3% | $75,000 | |
Evergreen Moneysource Mortgage Company
|
Conventional, VA | 2 | 0.7% | 100% | $385,000 | |
Zillow Home Loans, LLC
|
Conventional, FHA | 2 | 0.7% | 100% | $310,000 | |
Veritas Funding, LLC
|
VA | 2 | 0.7% | 100% | $355,000 | |
New American Funding, LLC.
|
FHA | 2 | 0.7% | 66.7% | $300,000 | |
The Loan Store, Inc
|
Conventional, FHA | 2 | 0.7% | 75% | $470,000 | |
21St Mortgage
|
Conventional | 2 | 0.7% | 28.6% | $50,000 | |
Ark-La-Tex Financial Services LLC
|
FHA, VA | 2 | 0.7% | 100% | $440,000 | |
NOVA Financial & Investment Corporation
|
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 33.3% | $615,000 | |
Navy Federal Credit Union
|
VA, HELOC | 1 +1 HELOCs |
0.3% | 50% | $305,000 | |
Alameda Mortgage Corporation
|
Conventional | 1 | 0.3% | 100% | $125,000 | |
Freedom Northwest Credit Union
|
Conventional | 1 | 0.3% | 100% | $55,000 | |
Guaranteed Rate, Inc.
|
Conventional | 1 | 0.3% | 50% | $335,000 | |
Lakeview Loan Servicing, LLC
|
FHA | 1 | 0.3% | 33.3% | $295,000 | |
|
A+5.0 ★Texas Ratio: 5.70% |
Conventional | 1 | 0.3% | 100% | $355,000 | View |
PHH Mortgage Corporation
|
Conventional | 1 | 0.3% | 100% | $275,000 | |
Synergy One Lending, Inc.
|
FHA | 1 | 0.3% | 100% | $345,000 | |
American Financial Network, Inc.
|
FHA | 1 | 0.3% | 100% | $325,000 | |
Clm Mortgage, Inc
|
FHA | 1 | 0.3% | 100% | $365,000 | |
|
A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.3% | 100% | $575,000 | View |
|
A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.3% | 100% | $315,000 | View |
Discover Bank
|
Conventional | 1 | 0.3% | 25% | $75,000 | |
Sun West Mortgage Company, Inc
|
Conventional | 1 | 0.3% | 100% | $805,000 | |
American Financing Corporation
|
Conventional | 1 | 0.3% | 100% | $465,000 | |
Union Home Mortgage Corp.
|
Conventional | 1 | 0.3% | 100% | $255,000 | |
Home Mortgage Advisors, LLC
|
Conventional | 1 | 0.3% | 100% | $345,000 | |
First Colony Mortgage Corporat
|
Conventional | 1 | 0.3% | 100% | $355,000 | |
|
A5.0 ★Texas Ratio: 6.90% |
Conventional | 1 | 0.3% | 100% | $45,000 | View |
Planet Home Lending, LLC
|
Conventional | 1 | 0.3% | 100% | $95,000 | |
Nations Lending Corporation
|
FHA | 1 | 0.3% | 100% | $345,000 | |
Iserve Residential Lending
|
FHA | 1 | 0.3% | 100% | $365,000 | |
V.I.P. Mortgage, Inc.
|
Conventional | 1 | 0.3% | 50% | $555,000 | |
Mortgage Solutions of Colorado
|
VA | 1 | 0.3% | 100% | $325,000 | |
DHI Mortgage Company, LTD.
|
FHA | 1 | 0.3% | 100% | $355,000 | |
|
A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.3% | 100% | $385,000 | View |
Plaza Home Mortgage, Inc
|
VA | 1 | 0.3% | 100% | $365,000 | |
Tomo Mortgage LLC
|
FHA | 1 | 0.3% | 100% | $245,000 | |
Champions Funding, LLC
|
Conventional | 1 | 0.3% | 100% | $225,000 | |
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +4 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Figure Lending LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View |
Cottage Grove 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 Cottage Grove, Oregon
Looking for mortgage lenders near me or mortgage brokers near me in Cottage Grove? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cottage Grove in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cottage Grove, OR
Use these to narrow the list above. Each category shows how many Cottage Grove, OR lenders fit and what that kind of lender is usually best for.
Who Lends in Cottage Grove, OR
Independent mortgage companies closed 83.8 percent of home loans in Cottage Grove, Oregon in 2025, banks 8.6 percent and credit unions 7.6 percent. Directors Mortgage, Inc was the largest mortgage company, Columbia Bank the largest bank and Oregon Community Credit Union the largest credit union. Among lenders headquartered in Oregon, Columbia Bank led with 7 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 Cottage Grove, OR
By home loans closed in 2025, Columbia Bank was the largest mortgage lender in Cottage Grove, Oregon with 7 loans, about 2.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
31 lenders closed FHA loans in Cottage Grove, Oregon in 2025, led by Summit Funding.Inc with 12. 16 lenders closed VA loans, led by United Wholesale Mortgage, and 3 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. 15 banks and 11 credit unions closed home loans in Cottage Grove, Oregon in 2025, alongside 58 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 Cottage Grove, 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 Cottage Grove, 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 Cottage Grove. 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.
