Mortgage Lenders and Brokers in Elmira, 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
Elmira, Oregon mortgage lenders include Banner BankBanner Bank2024 Washington Ave, Baker City, OR 97814A+5.0 ★Texas Ratio: 2.91%, Oregon Community Credit UnionOregon Community Credit Union840 NW 9th St, Corvallis, OR 97330 6141A5.0 ★Texas Ratio: 11.19%, Columbia BankColumbia Bank333 Ellsworth St Sw, Albany, OR 97321A+5.0 ★Texas Ratio: 2.28%, Selco Community Credit UnionSelco Community Credit Union1823 14th Ave SE, Albany, OR 97322A+5.0 ★Texas Ratio: 1.92%, US Bank, N.A.US Bank, N.A.2650 Santiam Hwy Se, Albany, OR 97322A+5.0 ★Texas Ratio: 2.85%, Keybank National AssociationKeybank National Association128 3rd Ave Sw, Albany, OR 97321A+5.0 ★Texas Ratio: 4.81%, Oregon State Credit UnionOregon State Credit Union1394 Clay St SE, Albany, OR 97322 6884A+5.0 ★Texas Ratio: 3.40%, First Technology Federal Credit UnionFirst Technology Federal Credit Union8700 SW Nimbus Ave, Beaverton, OR 97008, Mechanics BankMechanics Bank3970 Mercantile Dr, Lake Oswego, OR 97035A+5.0 ★Texas Ratio: 1.81%, and Wells Fargo Bank NAWells Fargo Bank NA2100 Pacific Blvd Se, Albany, OR 97321A+5.0 ★Texas Ratio: 5.36%. 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 Elmira, Oregon in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Elmira 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 Elmira, Oregon
Market share is the lender's share of all home loans closed in Elmira, 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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2024 Washington Ave, Baker City, OR 97814 A+5.0 ★Texas Ratio: 2.91% |
Conventional | 4 | 8.2% | 80% | $532,500 | View |
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840 NW 9th St, Corvallis, OR 97330 6141 A5.0 ★Texas Ratio: 11.19% |
Conventional, HELOC | 3 +17 HELOCs |
6.1% | 100% | $251,666 | View |
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333 Ellsworth St Sw, Albany, OR 97321 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 2 +1 HELOCs |
4.1% | 100% | $415,000 | View |
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1823 14th Ave SE, Albany, OR 97322 A+5.0 ★Texas Ratio: 1.92% |
Conventional, HELOC | 1 +8 HELOCs |
2% | 100% | $355,000 | View |
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2650 Santiam Hwy Se, Albany, OR 97322 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
2% | 100% | $55,000 | View |
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128 3rd Ave Sw, Albany, OR 97321 A+5.0 ★Texas Ratio: 4.81% |
Conventional, HELOC | 1 +1 HELOCs |
2% | 50% | $55,000 | View |
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1394 Clay St SE, Albany, OR 97322 6884 A+5.0 ★Texas Ratio: 3.40% |
Conventional, HELOC | 1 +1 HELOCs |
2% | 66.7% | $775,000 | View |
First Technology Federal Credit Union
8700 SW Nimbus Ave, Beaverton, OR 97008 |
Conventional, HELOC | 1 +1 HELOCs |
2% | 100% | $195,000 | |
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3970 Mercantile Dr, Lake Oswego, OR 97035 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 2% | 100% | $65,000 | View |
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2100 Pacific Blvd Se, Albany, OR 97321 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 2% | 100% | $645,000 | View |
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2500 Santiam Hwy SE, Albany, OR 97322 5265 A+5.0 ★Texas Ratio: 4.12% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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2921 Crescent Ave, Eugene, OR 97408 A5.0 ★Texas Ratio: 9.77% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Consolidated Community Credit
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Summit Funding.Inc
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Conventional, VA | 7 | 14.3% | 77.8% | $419,285 | |
Rocket Mortgage
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Conventional | 5 | 10.2% | 62.5% | $257,000 | |
United Wholesale Mortgage
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Conventional, VA, Jumbo | 4 | 8.2% | 100% | $620,000 | |
Evergreen Moneysource Mortgage Company
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Conventional | 2 | 4.1% | 100% | $525,000 | |
Nationstar Mortgage
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Conventional | 2 | 4.1% | 100% | $70,000 | |
Cmg Mortgage Inc
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FHA, HELOC | 1 +1 HELOCs |
2% | 100% | $475,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 2% | 100% | $635,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 2% | 100% | $405,000 | |
Go Mortgage, LLC
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Conventional | 1 | 2% | 100% | $535,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 2% | 50% | $205,000 | |
Guild Mortgage Company
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FHA | 1 | 2% | 100% | $395,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 2% | 100% | $105,000 | |
Provident Funding Associates
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Conventional | 1 | 2% | 100% | $375,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 2% | 100% | $515,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 2% | 100% | $245,000 | |
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 2% | 100% | $635,000 | View |
Tomo Mortgage LLC
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Conventional | 1 | 2% | 100% | $645,000 | |
Champions Funding, LLC
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Conventional | 1 | 2% | 100% | $325,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Peak Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Elmira 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 Elmira, Oregon
Looking for mortgage lenders near me or mortgage brokers near me in Elmira? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Elmira in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Elmira, OR
Use these to narrow the list above. Each category shows how many Elmira, OR lenders fit and what that kind of lender is usually best for.
Who Lends in Elmira, OR
Independent mortgage companies closed 65.3 percent of home loans in Elmira, Oregon in 2025, banks 22.4 percent and credit unions 12.2 percent. Summit Funding.Inc was the largest mortgage company, Banner Bank the largest bank and Oregon Community Credit Union the largest credit union. Among lenders headquartered in Oregon, Oregon Community Credit Union led with 3 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 Elmira, OR
By home loans closed in 2025, Banner Bank was the largest mortgage lender in Elmira, Oregon with 4 loans, about 8.2 percent of the market. The largest lender headquartered in Oregon was Oregon Community Credit Union with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Elmira, Oregon in 2025, led by Cmg Mortgage Inc with 1. 2 lenders closed VA loans, led by Summit Funding.Inc. 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. 7 banks and 9 credit unions closed home loans in Elmira, Oregon in 2025, alongside 18 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 Elmira, 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 Elmira, 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 Elmira. 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.
