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Mortgage Lenders and Brokers in Happy Valley, Oregon

Content reviewed by

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

Happy Valley, Oregon mortgage lenders include US Bank, N.A.US Bank, N.A.11333 Se 82nd Ave, Happy Valley, OR 97086A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA15820 Se Happy Valley Town Dr, Happy Valley, OR 97086A+5.0 ★Texas Ratio: 3.68%, Columbia BankColumbia Bank9000 Southeast 82nd Avenue, Happy Valley, OR 97086A+5.0 ★Texas Ratio: 2.28%, Wells Fargo Bank NAWells Fargo Bank NA9350 Se 82nd Ave, Happy Valley, OR 97086A+5.0 ★Texas Ratio: 5.36%, OnPoint Community Credit UnionOnPoint Community Credit Union17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723A+5.0 ★Texas Ratio: 4.12%, First Technology Federal Credit UnionFirst Technology Federal Credit Union8700 SW Nimbus Ave, Beaverton, OR 97008, Bank of America NABank of America NA9171 Se 82nd Ave, Happy Valley, OR 97086A+5.0 ★Texas Ratio: 4.14%, Rivermark Community Credit UnionRivermark Community Credit Union15963 SE Happy Valley Town Center Dr, Happy Valley, OR 97086 4253A5.0 ★Texas Ratio: 9.96%, Unitus Community Credit UnionUnitus Community Credit Union3215 SW Cedar Hills Blvd, Beaverton, OR 97005A+5.0 ★Texas Ratio: 3.01%, and Point West Credit UnionPoint West Credit Union5257 NE M L King Blvd Ste 301, Portland, OR 97211 3283A+5.0 ★Texas Ratio: 4.85%. 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 Happy Valley, Oregon in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Happy Valley 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 Happy Valley, Oregon

Market share is the lender's share of all home loans closed in Happy Valley, 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
US Bank, N.A. 1 office in Happy Valley 11333 Se 82nd Ave, Happy Valley, OR 97086 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	13 +17 HELOCs	1.7%	54.2%	$542,692	View
JPMorgan Chase Bank, NA 2 offices in Happy Valley 15820 Se Happy Valley Town Dr, Happy Valley, OR 97086 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	11 +1 HELOCs	1.4%	92.3%	$472,272	View
Columbia Bank 2 offices in Happy Valley 9000 Southeast 82nd Avenue, Happy Valley, OR 97086 A+5.0 ★Texas Ratio: 2.28%	Conventional, VA, HELOC	5 +8 HELOCs	0.7%	100%	$391,000	View
Wells Fargo Bank NA 1 office in Happy Valley 9350 Se 82nd Ave, Happy Valley, OR 97086 A+5.0 ★Texas Ratio: 5.36%	Conventional	5	0.7%	83.3%	$537,000	View
OnPoint Community Credit Union 17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015 8723 A+5.0 ★Texas Ratio: 4.12%	Conventional, VA, Jumbo, HELOC	45 +131 HELOCs	5.9%	93.8%	$458,333	View
First Technology Federal Credit Union 8700 SW Nimbus Ave, Beaverton, OR 97008	Conventional, HELOC	8 +6 HELOCs	1.1%	100%	$141,250
Bank of America NA 9171 Se 82nd Ave, Happy Valley, OR 97086 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	4 +27 HELOCs	0.5%	100%	$495,000	View
Rivermark Community Credit Union 15963 SE Happy Valley Town Center Dr, Happy Valley, OR 97086 4253 A5.0 ★Texas Ratio: 9.96%	Conventional, HELOC	4 +8 HELOCs	0.5%	100%	$175,000	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	3 +14 HELOCs	0.4%	100%	$558,333	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	3	0.4%	75%	$108,333	View
Keybank National Association 128 3rd Ave Sw, Albany, OR 97321 A+5.0 ★Texas Ratio: 4.81%	Conventional, HELOC	2 +2 HELOCs	0.3%	100%	$635,000	View
BMO Harris Bank NA 2495 Ne Town Center Dr, Beaverton, OR 97006 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.3%	100%	$655,000	View
Rogue Credit Union 415 Lithia Way, Ashland, OR 97520 A+5.0 ★Texas Ratio: 5.02%	Conventional	2	0.3%	100%	$170,000	View
1st Security Bank of Washington 715 Laneda Avenue, Manzanita, OR 97130 A+5.0 ★Texas Ratio: 4.31%	Conventional, Jumbo	2	0.3%	100%	$1,335,000	View
Oregon Community Credit Union 840 NW 9th St, Corvallis, OR 97330 6141 A5.0 ★Texas Ratio: 11.19%	Conventional, HELOC	1 +6 HELOCs	0.1%	100%	$5,000	View
Marion & Polk Schools Credit Union 2921 Crescent Ave, Eugene, OR 97408 A5.0 ★Texas Ratio: 9.77%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$785,000	View
First Community Credit Union 75 12th ST SE, Bandon, OR 97411 A+5.0 ★Texas Ratio: 0.21%	Conventional	1	0.1%	100%	$495,000	View
Pacific Nw Federal Credit Union 1004 Pacific Ave, Hood River, OR 97031 1961 A+5.0 ★Texas Ratio: 2.27%	Conventional	1	0.1%	100%	$105,000
Oregonians Credit Union 11240 SW Allen Blvd, Beaverton, OR 97005 A5.0 ★Texas Ratio: 8.54%	Conventional	1	0.1%	100%	$575,000	View
InRoads Federal Credit Union 6175 NE Cornell Rd, Hillsboro, OR 97124 5410 A5.0 ★Texas Ratio: 9.98%	Conventional	1	0.1%	100%	$535,000	View
Summit Mortgage Corporation 560 Sw Columbia St, Bend, OR 97702	Conventional	1	0.1%	100%	$365,000
Embold Federal Credit Union 12111 SE Sunnyside RD, Happy Valley, OR 97015 8307 A5.0 ★Texas Ratio: 6.30%	HELOC	0 +7 HELOCs	0%	n/a		View
Banner Bank 9980 Se 82nd Ave, Happy Valley, OR 97086 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +3 HELOCs	0%	n/a		View
Selco Community Credit Union 1823 14th Ave SE, Albany, OR 97322 A+5.0 ★Texas Ratio: 1.92%	HELOC	0 +2 HELOCs	0%	n/a		View
Washington Trust Bank 1219 Ne 3rd St, Bend, OR 97701 A+5.0 ★Texas Ratio: 4.63%	HELOC	0 +1 HELOCs	0%	0%		View
Mortgage Express	Conventional, FHA, VA	23	3%	96%	$479,347
Directors Mortgage, Inc	FHA, VA	3	0.4%	100%	$651,666
CastpartsEmplFCU	Conventional	1	0.1%	33.3%	$175,000
Consolidated Community Credit	HELOC	0 +5 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	71 +2 HELOCs	9.3%	90%	$531,901
Clm Mortgage, Inc	Conventional, FHA, VA	65	8.5%	94.4%	$483,615
Rocket Mortgage	Conventional, FHA, HELOC	56 +2 HELOCs	7.4%	87.7%	$335,000
Guild Mortgage Company	Conventional, FHA, VA, Jumbo	35	4.6%	92.5%	$509,000
DHI Mortgage Company, LTD.	Conventional, FHA	22	2.9%	95.7%	$392,272
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	21	2.8%	91.3%	$416,904
Nations Direct Mortgage, LLC	Conventional, FHA, VA, Jumbo	20	2.6%	100%	$585,000
Provident Funding Associates	Conventional	17	2.2%	100%	$523,823
Cmg Mortgage Inc	Conventional, FHA, VA	16	2.1%	95%	$506,875
Newrez LLC	Conventional, FHA, VA	14	1.8%	88.2%	$389,285
American Pacific Mortgage Corporation	Conventional, FHA, VA	13	1.7%	92.9%	$574,230
Fairway Independent Mort Corp	Conventional, FHA	13	1.7%	81.2%	$422,692
Guaranteed Rate, Inc.	Conventional, HELOC	12 +2 HELOCs	1.6%	85.7%	$589,166
Triad Financial Services, Inc.	Conventional	11	1.4%	58.3%	$123,181
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo	10	1.3%	90.9%	$610,000
Paramount Residential Mortgage	Conventional	10	1.3%	100%	$450,000
Union Home Mortgage Corp.	Conventional, FHA, VA, HELOC	9 +1 HELOCs	1.2%	100%	$541,666
New Wave Lending Group Inc	Conventional	9	1.2%	100%	$507,222
The Loan Store, Inc	Conventional, HELOC	7 +6 HELOCs	0.9%	100%	$475,000
Freedom Mortgage Corporation	Conventional, FHA, VA	7	0.9%	92.3%	$476,428
Zillow Home Loans, LLC	Conventional, FHA	7	0.9%	87.5%	$500,714
New American Funding, LLC.	Conventional	7	0.9%	87.5%	$412,142
Plaza Home Mortgage, Inc	Conventional	7	0.9%	77.8%	$495,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	5	0.7%	71.4%	$585,000	View
Primelending	Conventional, FHA	5	0.7%	100%	$415,000
Nationstar Mortgage	Conventional	5	0.7%	100%	$101,000
Mutual of Omaha Mortgage	Conventional, VA, Jumbo	5	0.7%	100%	$551,000
Nmsi, Inc.	Conventional, Jumbo	5	0.7%	100%	$589,000
21St Mortgage	Conventional	5	0.7%	20%	$111,000
Spring Eq, LLC	Conventional, HELOC	4 +8 HELOCs	0.5%	41.7%	$132,500
Premier Mortgage Resources, LLC	Conventional	4	0.5%	100%	$495,000
Movement Mortgage, LLC	Conventional, FHA, VA	4	0.5%	66.7%	$540,000
Right Start Mortgage, Inc	Conventional	4	0.5%	100%	$345,000
Navy Federal Credit Union	Conventional, VA, HELOC	3 +4 HELOCs	0.4%	75%	$385,000
Cornerstone First Mortgage, LLC	Conventional, Jumbo	3	0.4%	100%	$851,666
Amerisave Mortgage Company	Conventional	3	0.4%	27.3%	$171,666
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA	3	0.4%	100%	$601,666	View
HomeXpress Mortgage Corp.	Conventional, Jumbo	3	0.4%	75%	$711,666
Discover Bank	Conventional	3	0.4%	66.7%	$71,666
Peoples Mortgage Company	Conventional	3	0.4%	80%	$358,333
HomeStreet Bank	Conventional, HELOC	2 +2 HELOCs	0.3%	100%	$640,000
loanDepot.com LLC	Conventional, HELOC	2 +2 HELOCs	0.3%	50%	$215,000
Kind Lending, LLC	Conventional, HELOC	2 +1 HELOCs	0.3%	66.7%	$300,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.3%	50%	$650,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	2	0.3%	100%	$870,000	View
Lakeview Loan Servicing, LLC	Conventional, VA	2	0.3%	42.9%	$405,000
Go Mortgage, LLC	Conventional	2	0.3%	100%	$435,000
Envoy Mortgage, Ltd	Conventional	2	0.3%	100%	$505,000
All Credit Considered Mortgage, Inc.	Conventional, Jumbo	2	0.3%	100%	$705,000
Loanunited.Com, LLC	FHA, VA	2	0.3%	100%	$555,000
Credit Human Federal Credit Un	Conventional	2	0.3%	35.7%	$80,000
Bay Equity LLC	Conventional, FHA	2	0.3%	66.7%	$665,000
Evergreen Moneysource Mortgage Company	Conventional	2	0.3%	100%	$545,000
Generations Home Loans, LLC	Conventional	2	0.3%	100%	$575,000
Mortgage Research Center	VA, Jumbo	2	0.3%	66.7%	$545,000
Citadel Servicing Corporation	Conventional	2	0.3%	100%	$640,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.3%	100%	$140,000	View
Nexera Holding LLC	Conventional	2	0.3%	100%	$440,000
Mason-McDuffie Mortgage Corporation	Conventional	2	0.3%	100%	$640,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$95,000	View
Better Mortgage Corporation	Conventional, HELOC	1 +2 HELOCs	0.1%	25%	$255,000
PNC Bank N.A. ★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$705,000	View
Goodleap, LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$355,000
Financial Partners Credit Unio	Conventional	1	0.1%	100%	$155,000
Guaranteed Rate Affinity, LLC	FHA	1	0.1%	100%	$385,000
Alameda Mortgage Corporation	FHA	1	0.1%	100%	$585,000
Royal United Mortgage LLC	Conventional	1	0.1%	100%	$85,000
Primary Residential Mortgage, INC.	Conventional	1	0.1%	100%	$585,000
Gold Star Mortgage Financial Group, Corporation	Conventional	1	0.1%	100%	$235,000
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	FHA	1	0.1%	100%	$415,000	View
Canopy Mortgage, LLC	Conventional	1	0.1%	100%	$365,000
Sage Home Loans Corporation A+5.0 ★Texas Ratio: 5.70%	Conventional	1	0.1%	100%	$545,000	View
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$525,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	1	0.1%	100%	$505,000	View
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$575,000
Emporium Tpo LLC	Conventional	1	0.1%	100%	$555,000
Bay-Valley Mortgage Group	Conventional	1	0.1%	100%	$475,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$415,000	View
Horizon Credit Union	Conventional	1	0.1%	100%	$135,000
Royal Pacific Funding	Conventional, Jumbo	1	0.1%	100%	$1,255,000
Greenwood Credit Union	Conventional	1	0.1%	100%	$85,000
Flexpoint, Inc.	Conventional, Jumbo	1	0.1%	100%	$935,000
Select Lending Services, LLC	Conventional	1	0.1%	100%	$185,000
Click n' Close, Inc.	FHA	1	0.1%	33.3%	$235,000
VanDyk Mortgage Corporation	Conventional	1	0.1%	100%	$255,000
SIRVA Mortgage, Inc.	Conventional	1	0.1%	100%	$635,000
Strong Home Mortgage, LLC	Conventional	1	0.1%	100%	$545,000
Home Mortgage Advisors, LLC	Conventional	1	0.1%	100%	$675,000
Geneva Financial LLC	Conventional	1	0.1%	100%	$585,000
Homeowners Financial Group, LLC	FHA	1	0.1%	100%	$685,000
Sound Credit Union A5.0 ★Texas Ratio: 6.90%	Conventional	1	0.1%	100%	$595,000	View
Hapo Communtiy Credit Union	Conventional	1	0.1%	100%	$35,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	1	0.1%	100%	$425,000	View
Ony Glo, Inc.	Conventional, Jumbo	1	0.1%	50%	$1,145,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$735,000	View
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$605,000	View
Franklin Loan Corporation	FHA	1	0.1%	100%	$625,000
Chickasaw Community Bank A5.0 ★Texas Ratio: 13.31%	Conventional	1	0.1%	100%	$455,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.1%	100%	$395,000	View
Uif Corporation	Conventional	1	0.1%	100%	$535,000
V.I.P. Mortgage, Inc.	FHA	1	0.1%	100%	$575,000
Summit Funding.Inc	Conventional, Jumbo	1	0.1%	100%	$425,000
Sunflower Bank, N.A. A5.0 ★Texas Ratio: 10.77%	Conventional	1	0.1%	100%	$745,000	View
Lower, LLC	FHA	1	0.1%	100%	$545,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0.1%	100%	$625,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	1	0.1%	100%	$965,000	View
Yakima Federal Savings & Loan	Conventional	1	0.1%	100%	$645,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$515,000	View
Top Flite Financial, Inc.	Conventional	1	0.1%	100%	$545,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	100%	$415,000	View
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$325,000
Champions Funding, LLC	Conventional	1	0.1%	50%	$235,000
JMAC Lending, Inc.	Conventional	1	0.1%	100%	$395,000
iQ Credit Union	HELOC	0 +8 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +5 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +5 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +3 HELOCs	0%	n/a
Peak Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Columbia Credit Union A+5.0 ★Texas Ratio: 2.28%	HELOC	0 +2 HELOCs	0%	0%		View
Pentagon Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
Alliant Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Mountain America Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Boeing Employees' Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Wings Financial Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal 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.

Happy Valley 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 Happy Valley, Oregon

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

Types of Mortgage Lenders in Happy Valley, OR

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

Mortgage companies and brokers 89 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 34 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 34 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 30 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 22 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 23 lenders. Loans above the conforming limit for higher priced homes Local lenders based in OR 20 lenders headquartered in Oregon, the closest thing to a mortgage lender near you

Who Lends in Happy Valley, OR

Independent mortgage companies closed 78.8 percent of home loans in Happy Valley, Oregon in 2025, banks 10.4 percent and credit unions 10.8 percent. Summit Mortgage Corporation was the largest mortgage company, US Bank, N.A. the largest bank and OnPoint Community Credit Union the largest credit union. Among lenders headquartered in Oregon, Columbia Bank led with 5 loans.

78.8%

Mortgage companies

10.4%

Banks

10.8%

Credit unions

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 Eugene 200 lenders Medford 150 lenders Hillsboro 177 lenders Beaverton 178 lenders Gresham 167 lenders Springfield 121 lenders Albany 117 lenders Redmond 136 lenders Grants Pass 89 lenders

Frequently Asked Questions About Mortgage Lenders in Happy Valley, OR

Who is the largest mortgage lender in Happy Valley, OR?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Happy Valley, Oregon with 13 loans, about 1.7 percent of the market. The largest lender headquartered in Oregon was Columbia Bank with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Happy Valley, Oregon, Clm Mortgage, Inc approved the highest share of completed applications in 2025 at 94.4 percent, against a 84.2 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 Happy Valley, OR mortgage lenders offer FHA, VA and USDA loans?

30 lenders closed FHA loans in Happy Valley, Oregon in 2025, led by Clm Mortgage, Inc with 9. 22 lenders closed VA loans, led by United Wholesale Mortgage. 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 Happy Valley, OR lender list?

Yes. 34 banks and 34 credit unions closed home loans in Happy Valley, Oregon in 2025, alongside 89 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 Happy Valley, OR ranked on this page?

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