☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / Oregon / Eugene

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Eugene, Oregon

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Eugene, Oregon mortgage lenders include Oregon Community Credit UnionOregon Community Credit Union920 Country Club Rd, Eugene, OR 97401A5.0 ★Texas Ratio: 11.19%, US Bank, N.A.US Bank, N.A.810 E 13th Ave, Eugene, OR 97401A+5.0 ★Texas Ratio: 2.85%, Columbia BankColumbia Bank3738 W 11th Ave, Eugene, OR 97402A+5.0 ★Texas Ratio: 2.28%, Banner BankBanner Bank169 W 6th Ave, Eugene, OR 97401A+5.0 ★Texas Ratio: 2.91%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3333 W 11th Ave Ste G, Eugene, OR 97402A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA39 W Broadway, Eugene, OR 97401A+5.0 ★Texas Ratio: 5.36%, Keybank National AssociationKeybank National Association2829 W 11th Ave, Eugene, OR 97402A+5.0 ★Texas Ratio: 4.81%, Pacific Cascade Federal Credit UnionPacific Cascade Federal Credit Union1075 Oak St, Eugene, OR 97401A+5.0 ★Texas Ratio: 2.36%, Bank of America NABank of America NA844 East 13th Avenue, Eugene, OR 97401A+5.0 ★Texas Ratio: 4.14%, and First Interstate BankFirst Interstate Bank899 Pearl St, Eugene, OR 97401A+5.0 ★Texas Ratio: 4.72%. 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 Eugene, Oregon in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Eugene 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 Eugene, Oregon

Market share is the lender's share of all home loans closed in Eugene, 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
Oregon Community Credit Union 920 Country Club Rd, Eugene, OR 97401 A5.0 ★Texas Ratio: 11.19%	Conventional, Jumbo, HELOC	117 +312 HELOCs	5.5%	91.7%	$259,615	View
US Bank, N.A. 6 offices in Eugene 810 E 13th Ave, Eugene, OR 97401 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, Jumbo, HELOC	47 +33 HELOCs	2.2%	71%	$390,531	View
Columbia Bank 4 offices in Eugene 3738 W 11th Ave, Eugene, OR 97402 A+5.0 ★Texas Ratio: 2.28%	Conventional, FHA, VA, Jumbo, HELOC	39 +23 HELOCs	1.8%	97.6%	$380,384	View
Banner Bank 2 offices in Eugene 169 W 6th Ave, Eugene, OR 97401 A+5.0 ★Texas Ratio: 2.91%	Conventional, FHA, VA, HELOC	30 +10 HELOCs	1.4%	81.1%	$245,666	View
JPMorgan Chase Bank, NA 2 offices in Eugene 3333 W 11th Ave Ste G, Eugene, OR 97402 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	18 +2 HELOCs	0.9%	86.4%	$337,777	View
Wells Fargo Bank NA 3 offices in Eugene 39 W Broadway, Eugene, OR 97401 A+5.0 ★Texas Ratio: 5.36%	Conventional	10	0.5%	76.9%	$345,000	View
Keybank National Association 4 offices in Eugene 2829 W 11th Ave, Eugene, OR 97402 A+5.0 ★Texas Ratio: 4.81%	Conventional, FHA, HELOC	8 +5 HELOCs	0.4%	90%	$310,000	View
Pacific Cascade Federal Credit Union 1075 Oak St, Eugene, OR 97401 A+5.0 ★Texas Ratio: 2.36%	Conventional	7	0.3%	100%	$222,142	View
Bank of America NA 2 offices in Eugene 844 East 13th Avenue, Eugene, OR 97401 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	4 +18 HELOCs	0.2%	100%	$430,000	View
First Interstate Bank ★ 1 stars, 1 review 1 office in Eugene 899 Pearl St, Eugene, OR 97401 A+5.0 ★Texas Ratio: 4.72%	Conventional, HELOC	1 +3 HELOCs	0%	100%	$155,000	View
Heritage Bank 1 office in Eugene 149 W 12th Ave, Eugene, OR 97401 A+5.0 ★Texas Ratio: 1.04%	HELOC	0 +2 HELOCs	0%	n/a		View
Selco Community Credit Union 299 E 11th Ave, Eugene, OR 97401 3251 A+5.0 ★Texas Ratio: 1.92%	Conventional, Jumbo, HELOC	48 +228 HELOCs	2.3%	100%	$354,166	View
OnPoint Community Credit Union 207 Coburg Rd Ste 101, Eugene, OR 97401 A+5.0 ★Texas Ratio: 4.12%	Conventional, FHA, HELOC	41 +68 HELOCs	1.9%	97.7%	$365,243	View
First Technology Federal Credit Union 4400 W 11th Ave, Eugene, OR 97402 5411	Conventional, HELOC	10 +19 HELOCs	0.5%	78.6%	$266,000
Rogue Credit Union 415 Lithia Way, Ashland, OR 97520 A+5.0 ★Texas Ratio: 5.02%	Conventional, Jumbo, HELOC	8 +1 HELOCs	0.4%	80%	$207,500	View
First Community Credit Union 75 12th ST SE, Bandon, OR 97411 A+5.0 ★Texas Ratio: 0.21%	Conventional, Jumbo, HELOC	4 +5 HELOCs	0.2%	66.7%	$445,000	View
Summit Mortgage Corporation 96 E Broadway, Eugene, OR 97401	Conventional, Jumbo	4	0.2%	100%	$602,500
BMO Harris Bank NA 2495 Ne Town Center Dr, Beaverton, OR 97006 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo	3	0.1%	60%	$908,333	View
Oregon State Credit Union 1394 Clay St SE, Albany, OR 97322 6884 A+5.0 ★Texas Ratio: 3.40%	Conventional, HELOC	2 +6 HELOCs	0.1%	100%	$320,000	View
Unitus Community Credit Union ★ 5 stars, 1 review 3215 SW Cedar Hills Blvd, Beaverton, OR 97005 A+5.0 ★Texas Ratio: 3.01%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$425,000	View
1st Security Bank of Washington 715 Laneda Avenue, Manzanita, OR 97130 A+5.0 ★Texas Ratio: 4.31%	Conventional, FHA	2	0.1%	100%	$440,000	View
Oregonians Credit Union 11240 SW Allen Blvd, Beaverton, OR 97005 A5.0 ★Texas Ratio: 8.54%	Conventional, HELOC	1 +2 HELOCs	0%	100%	$115,000	View
Washington Trust Bank 1219 Ne 3rd St, Bend, OR 97701 A+5.0 ★Texas Ratio: 4.63%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$345,000	View
First Ciitizens Bank and Trust 15725 Nw Blueridge Dr, Beaverton, OR 97006 A5.0 ★Texas Ratio: 7.72%	Conventional	1	0%	100%	$565,000	View
Point West Credit Union 5257 NE M L King Blvd Ste 301, Portland, OR 97211 3283 A+5.0 ★Texas Ratio: 4.85%	Conventional	1	0%	100%	$205,000	View
Willamette Valley Bank 1970 14th Ave Se, Albany, OR 97322 A+5.0 ★Texas Ratio: 0.89%	FHA	1	0%	100%	$315,000	View
Rivermark Community Credit Union 4875 SW Griffith Dr, Beaverton, OR 97005 8722 A5.0 ★Texas Ratio: 9.96%	HELOC	0 +3 HELOCs	0%	n/a		View
Marion & Polk Schools Credit Union 2921 Crescent Ave, Eugene, OR 97408 A5.0 ★Texas Ratio: 9.77%	HELOC	0 +3 HELOCs	0%	n/a		View
Directors Mortgage, Inc	Conventional, FHA, VA	64	3%	97.1%	$381,250
Mortgage Express	Conventional, FHA	14	0.7%	100%	$403,571
Lpmc, LLC dba Landmark Profess	Conventional, FHA, VA	11	0.5%	100%	$333,181
Pacific Residential Mortgage, LLC	Conventional	1	0%	100%	$325,000
Consolidated Community Credit	HELOC	0 +1 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	177 +5 HELOCs	8.4%	94.3%	$421,892
Summit Funding.Inc	Conventional, FHA, VA, Jumbo	159	7.5%	96.4%	$388,396
Rocket Mortgage	Conventional, FHA, VA	146	6.9%	84.3%	$257,465
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, Jumbo, HELOC	118 +5 HELOCs	5.6%	99.2%	$398,050
Guild Mortgage Company	Conventional, FHA, VA, Jumbo	111	5.3%	96.1%	$347,702
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	60 +3 HELOCs	2.8%	88.2%	$330,166
Kind Lending, LLC	Conventional, FHA, VA, Jumbo, HELOC	43 +4 HELOCs	2%	89.6%	$396,860
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	41 +4 HELOCs	1.9%	100%	$477,195
Freedom Mortgage Corporation	Conventional, FHA, VA	30	1.4%	94.6%	$422,666
Newrez LLC	Conventional, FHA, VA	30	1.4%	73.8%	$356,000
American Pacific Mortgage Corporation	Conventional, FHA, VA	30	1.4%	93.8%	$399,666
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	29	1.4%	81.6%	$364,310
Mortgage Research Center	Conventional, VA	27	1.3%	73%	$386,851
Triad Financial Services, Inc.	Conventional	26	1.2%	69.2%	$115,769
Clm Mortgage, Inc	Conventional, FHA, VA	22	1%	100%	$460,454
The Loan Store, Inc	Conventional, HELOC	17 +2 HELOCs	0.8%	94.4%	$450,882
NOVA Financial & Investment Corporation	Conventional, FHA, VA, HELOC	17 +1 HELOCs	0.8%	83.3%	$327,352
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, HELOC	17 +1 HELOCs	0.8%	100%	$336,176
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	16	0.8%	84.2%	$180,000	View
Nationstar Mortgage	Conventional, FHA	15	0.7%	70.8%	$241,666
Nations Direct Mortgage, LLC	Conventional, FHA, VA	15	0.7%	93.8%	$396,333
Synergy One Lending, Inc.	Conventional, FHA, Jumbo	14	0.7%	93.3%	$395,000
Lennar Mortgage, LLC	Conventional, FHA, VA	13	0.6%	92.9%	$441,153
Union Home Mortgage Corp.	Conventional, Jumbo	13	0.6%	100%	$472,692
Lakeview Loan Servicing, LLC	Conventional, FHA	12	0.6%	51.6%	$212,500
Peak Credit Union	Conventional, HELOC	11 +43 HELOCs	0.5%	91.7%	$374,090
Spring Eq, LLC	Conventional, HELOC	11 +4 HELOCs	0.5%	38.7%	$97,727
Amerisave Mortgage Company	Conventional, FHA, VA	11	0.5%	47.8%	$205,000
Mutual of Omaha Mortgage	Conventional, FHA, VA	11	0.5%	80%	$414,090
Paramount Residential Mortgage	Conventional, VA	11	0.5%	100%	$476,818
Navy Federal Credit Union	Conventional, VA, HELOC	10 +2 HELOCs	0.5%	70.6%	$338,000
Evergreen Moneysource Mortgage Company	Conventional, FHA	10	0.5%	100%	$297,000
Guaranteed Rate, Inc.	Conventional, HELOC	9 +1 HELOCs	0.4%	75%	$433,888
Credit Human Federal Credit Un	Conventional	9	0.4%	58.6%	$126,111
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	9	0.4%	90%	$388,333	View
New American Funding, LLC.	Conventional, FHA, HELOC	8 +1 HELOCs	0.4%	100%	$306,250
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	8	0.4%	100%	$583,750	View
Iserve Residential Lending	Conventional, FHA	8	0.4%	100%	$370,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	7	0.3%	100%	$765,000	View
Discover Bank	Conventional	7	0.3%	35%	$63,571
Sun West Mortgage Company, Inc	Conventional, VA	7	0.3%	87.5%	$490,714
Zillow Home Loans, LLC	Conventional, FHA	7	0.3%	100%	$342,142
21St Mortgage	Conventional	7	0.3%	41.2%	$126,428
Movement Mortgage, LLC	Conventional, FHA	6	0.3%	100%	$530,000
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional	6	0.3%	100%	$308,333	View
V.I.P. Mortgage, Inc.	Conventional, FHA, VA	6	0.3%	100%	$413,333
Pentagon Federal Credit Union	Conventional, FHA, VA, HELOC	5 +3 HELOCs	0.2%	62.5%	$385,000
Premier Mortgage Resources, LLC	Conventional, FHA	5	0.2%	100%	$359,000
Nbkc Bank	Conventional, FHA, VA	5	0.2%	100%	$449,000
Success Mortgage Partners, Inc	Conventional, FHA, VA	5	0.2%	100%	$391,000
Homeowners Financial Group, LLC	Conventional, FHA	5	0.2%	100%	$337,000
Provident Funding Associates	Conventional	5	0.2%	100%	$533,000
DHI Mortgage Company, LTD.	Conventional, FHA	5	0.2%	100%	$351,000
Village Capital & Investment	FHA, VA	5	0.2%	85.7%	$449,000
Sammamish Mortgage Company	Conventional	4	0.2%	100%	$462,500
Bay Equity LLC	Conventional	4	0.2%	100%	$557,500
Calcon Mutual Mortgage LLC	Conventional, FHA, VA, Jumbo	4	0.2%	100%	$640,000
New Day Financial, LLC.	VA	4	0.2%	57.1%	$397,500
Better Mortgage Corporation	Conventional, Jumbo	4	0.2%	66.7%	$507,500
Fairway Independent Mort Corp	Conventional, FHA	4	0.2%	100%	$422,500
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	4	0.2%	80%	$445,000	View
Tomo Mortgage LLC	Conventional	4	0.2%	80%	$380,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +6 HELOCs	0.1%	100%	$95,000	View
Mission Loans, LLC	Conventional, HELOC	3 +1 HELOCs	0.1%	100%	$265,000
Guaranteed Rate Affinity, LLC	Conventional	3	0.1%	75%	$528,333
American Financial Resources LLC	Conventional, FHA	3	0.1%	100%	$311,666
Primelending	Conventional	3	0.1%	100%	$268,333
Primary Residential Mortgage, INC.	Conventional, FHA	3	0.1%	100%	$321,666
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	3	0.1%	100%	$685,000	View
Envoy Mortgage, Ltd	Conventional, FHA, VA	3	0.1%	100%	$348,333
PHH Mortgage Corporation	Conventional, FHA	3	0.1%	100%	$391,666
Filo Mortgage, LLC	Conventional	3	0.1%	100%	$315,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	3	0.1%	100%	$585,000	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	3	0.1%	75%	$565,000	View
Carrington Mortgage Services LLC	Conventional	3	0.1%	60%	$111,666
Plaza Home Mortgage, Inc	Conventional, VA	3	0.1%	50%	$338,333
Ark-La-Tex Financial Services LLC	Conventional, FHA	3	0.1%	100%	$318,333
PNC Bank N.A. ★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$350,000	View
Arc Home LLC	Conventional	2	0.1%	100%	$355,000
Freedom Northwest Credit Union	Conventional	2	0.1%	100%	$140,000
Goodleap, LLC	FHA, VA	2	0.1%	100%	$210,000
Sage Home Loans Corporation A+5.0 ★Texas Ratio: 5.70%	Conventional	2	0.1%	75%	$555,000	View
MortgageOne, Inc	Conventional	2	0.1%	100%	$325,000
All Credit Considered Mortgage, Inc.	Conventional	2	0.1%	100%	$425,000
Equity Prime Mortgage LLC	FHA	2	0.1%	100%	$345,000
Loanunited.Com, LLC	VA	2	0.1%	100%	$560,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.1%	100%	$315,000	View
Deephaven Mortgage LLC	Conventional	2	0.1%	100%	$485,000
AdvantageFirst Lending Inc	VA	2	0.1%	100%	$295,000
American Financial Network, Inc.	FHA	2	0.1%	100%	$405,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, VA, Jumbo	2	0.1%	100%	$850,000	View
American Internet Mortgage, Inc.	Conventional	2	0.1%	100%	$395,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	VA	2	0.1%	100%	$355,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.1%	100%	$355,000	View
Citadel Servicing Corporation	Conventional	2	0.1%	100%	$245,000
Sunflower Bank, N.A. A5.0 ★Texas Ratio: 10.77%	Conventional	2	0.1%	100%	$350,000	View
ClearEdge Lending LLC	Conventional	2	0.1%	100%	$355,000
Lower, LLC	Conventional	2	0.1%	100%	$285,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	FHA, VA	2	0.1%	100%	$365,000	View
Vanderbilt Mortgage and Finance, Inc	Conventional	2	0.1%	66.7%	$60,000
Alliant Credit Union	Conventional, HELOC	1 +7 HELOCs	0%	100%	$345,000
Boeing Employees' Credit Union	Conventional, HELOC	1 +3 HELOCs	0%	100%	$265,000
Valon Mortgage	Conventional, HELOC	1 +2 HELOCs	0%	100%	$595,000
Everett Financial, Inc.	Conventional, HELOC	1 +1 HELOCs	0%	100%	$425,000
Genisys Credit Union	Conventional, Jumbo	1	0%	100%	$815,000
Cornerstone First Mortgage, LLC	FHA	1	0%	100%	$435,000
Alameda Mortgage Corporation	Conventional	1	0%	100%	$385,000
Keypoint Credit Union	Conventional	1	0%	100%	$325,000
Fundloans Capital	Conventional	1	0%	100%	$425,000
Gold Star Mortgage Financial Group, Corporation	Conventional	1	0%	100%	$465,000
SWBC Mortgage Corporation	Conventional	1	0%	100%	$365,000
Canopy Mortgage, LLC	VA	1	0%	100%	$445,000
Columbia Credit Union A+5.0 ★Texas Ratio: 2.28%	Conventional	1	0%	100%	$565,000	View
Go Mortgage, LLC	Conventional	1	0%	100%	$185,000
Residential Mortgage, LLC A-4.9 ★Texas Ratio: 16.48%	Conventional	1	0%	100%	$505,000	View
Watermark Capital, Inc.	VA	1	0%	100%	$525,000
TruHome Solutions, LLC	FHA	1	0%	100%	$425,000
Infinity Equity Group, Inc.	FHA	1	0%	100%	$535,000
Golden Empire Mortgage, Inc.	Conventional	1	0%	100%	$805,000
Dart Bank	Conventional	1	0%	100%	$285,000
Usalliance Federal Credit Union	Conventional	1	0%	100%	$35,000
Oaktree Funding Corp	Conventional, Jumbo	1	0%	100%	$845,000
Emporium Tpo LLC	Conventional	1	0%	100%	$545,000
AmWest Funding Corp	FHA	1	0%	100%	$485,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional	1	0%	100%	$345,000	View
Valley West Corporation	Conventional	1	0%	100%	$565,000
Bay-Valley Mortgage Group	Conventional	1	0%	100%	$475,000
Obsidian Financial Services	Conventional	1	0%	100%	$395,000
PFN Lending Group, Inc.	Conventional	1	0%	100%	$365,000
American Financing Corporation	Conventional	1	0%	25%	$105,000
ClearPath Lending	VA	1	0%	100%	$385,000
Bluebird Home Loans LLC	Conventional	1	0%	100%	$605,000
Real Genius LLC	Conventional	1	0%	100%	$305,000
Chevron Federal Credit Union	Conventional	1	0%	100%	$525,000
Highlands Residential Mortgage, Ltd.	Conventional	1	0%	100%	$525,000
Commerce Bank A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0%	100%	$695,000	View
Cardinal Financial Company, Li	Conventional	1	0%	100%	$625,000
Intelliloan, Inc.	Conventional	1	0%	100%	$365,000
Nations Lending Corporation	Conventional	1	0%	100%	$155,000
BoxCar Mortgage, LLC	FHA	1	0%	100%	$495,000
Academy Bank, N.A. A+5.0 ★Texas Ratio: 5.08%	VA, Jumbo	1	0%	100%	$1,235,000	View
Hometown Equity Mortgage, LLC	FHA	1	0%	33.3%	$535,000
Lendsure Mortgage Corp.	Conventional	1	0%	100%	$375,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0%	100%	$225,000	View
Geneva Financial LLC	Conventional	1	0%	100%	$175,000
Synovus Bank	Conventional	1	0%	100%	$775,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0%	100%	$685,000	View
Encore Bank A+5.0 ★Texas Ratio: 1.62%	Conventional	1	0%	100%	$785,000	View
Member First Mortgage, LLC	Conventional	1	0%	100%	$305,000
Blupeak Credit Union	Conventional	1	0%	100%	$415,000
Towne Mortgage Company	Conventional	1	0%	100%	$205,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0%	100%	$615,000	View
Wings Financial Credit Union	Conventional	1	0%	100%	$325,000
Mortgage Solutions of Colorado	Conventional	1	0%	25%	$175,000
Firstbank A5.0 ★Texas Ratio: 7.51%	Conventional	1	0%	100%	$525,000	View
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional	1	0%	100%	$215,000	View
Prosperity Home Mortgage, LLC	FHA	1	0%	100%	$345,000
Wescom Central Credit Union	Conventional	1	0%	100%	$585,000
Nmsi, Inc.	Conventional	1	0%	100%	$525,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0%	100%	$445,000	View
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0%	100%	$435,000	View
RBC Bank (Georgia), N.A.	Conventional	1	0%	100%	$665,000
Amalgamated Bank A5.0 ★Texas Ratio: 11.81%	Conventional	1	0%	100%	$135,000	View
Toyota Financial Savings Bank	Conventional	1	0%	100%	$285,000
Nexera Holding LLC	Conventional	1	0%	100%	$795,000
Texana Bank	Conventional	1	0%	100%	$325,000
Loan Simple, Inc.	FHA	1	0%	100%	$395,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0%	100%	$705,000	View
Champions Funding, LLC	Conventional	1	0%	33.3%	$605,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0%	100%	$205,000	View
F&A Federal Credit Union A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0%	100%	$215,000	View
Figure Lending LLC	HELOC	0 +36 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +9 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +8 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +5 HELOCs	0%	0%
HomeBridge Financial Services, Inc	HELOC	0 +4 HELOCs	0%	100%
Georgia'S Own Credit Union	HELOC	0 +3 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +3 HELOCs	0%	n/a		View
HomeStreet Bank	HELOC	0 +2 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
iQ Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Red Canoe Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Eugene Mortgage Rate Trends

Daily average mortgage rates for Oregon compared with the national average, updated every evening.

30-Year Fixed OR Avg

7.313%

▲ 0.088 vs 7 days ago

15-Year Fixed OR Avg

6.846%

▲ 0.059 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Eugene, Oregon

Looking for mortgage lenders near me or mortgage brokers near me in Eugene? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Eugene in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Eugene, OR

Use these to narrow the list above. Each category shows how many Eugene, OR lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 127 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 53 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 37 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 64 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 49 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 27 lenders. Loans above the conforming limit for higher priced homes Local lenders based in OR 21 lenders headquartered in Oregon, the closest thing to a mortgage lender near you

Who Lends in Eugene, OR

Independent mortgage companies closed 73.8 percent of home loans in Eugene, Oregon in 2025, banks 12.6 percent and credit unions 13.7 percent. Summit Mortgage Corporation was the largest mortgage company, US Bank, N.A. the largest bank and Oregon Community Credit Union the largest credit union. Among lenders headquartered in Oregon, Oregon Community Credit Union led with 117 loans.

73.8%

Mortgage companies

12.6%

Banks

13.7%

Credit unions

13%

FHA loans

VA 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

All Oregon lenders 539 lenders Portland 318 lenders Salem 205 lenders Bend 212 lenders Medford 150 lenders Hillsboro 177 lenders Beaverton 178 lenders Gresham 167 lenders Springfield 121 lenders Albany 117 lenders Redmond 136 lenders Happy Valley 137 lenders Grants Pass 89 lenders

Frequently Asked Questions About Mortgage Lenders in Eugene, OR

Who is the largest mortgage lender in Eugene, OR?

By home loans closed in 2025, Oregon Community Credit Union was the largest mortgage lender in Eugene, Oregon with 117 loans, about 5.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Eugene, OR have the highest approval rates?

Among lenders with meaningful volume in Eugene, Oregon, Cmg Mortgage Inc approved the highest share of completed applications in 2025 at 99.2 percent, against a 87.3 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Eugene, OR mortgage lenders offer FHA, VA and USDA loans?

64 lenders closed FHA loans in Eugene, Oregon in 2025, led by United Wholesale Mortgage with 38. 49 lenders closed VA loans, led by United Wholesale Mortgage, and 1 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.

Are credit unions and local banks included in this Eugene, OR lender list?

Yes. 53 banks and 37 credit unions closed home loans in Eugene, Oregon in 2025, alongside 127 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.

How are mortgage lenders in Eugene, OR ranked on this page?

Lenders are ranked only by the number of home loans they closed in Eugene, 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 Eugene, 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 Eugene. 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.