Mortgage Lenders and Brokers in Klamath Falls, 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
Klamath Falls, Oregon mortgage lenders include Columbia BankColumbia Bank540 Main St, Klamath Falls, OR 97601A+5.0 ★Texas Ratio: 2.28%, US Bank, N.A.US Bank, N.A.3720 S 6th St, Klamath Falls, OR 97603A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2885 S 6th St, Klamath Falls, OR 97603A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA2809 S 6th St, Klamath Falls, OR 97603A+5.0 ★Texas Ratio: 5.36%, First Interstate BankFirst Interstate Bank421 S 7th St, Klamath Falls, OR 97601A+5.0 ★Texas Ratio: 4.72%, Rogue Credit UnionRogue Credit Union3211 Washburn Way, Klamath Falls, OR 97603A+5.0 ★Texas Ratio: 5.02%, First Community Credit UnionFirst Community Credit Union3737 Shasta Way, Klamath Falls, OR 97603A+5.0 ★Texas Ratio: 0.21%, Banner BankBanner Bank2024 Washington Ave, Baker City, OR 97814A+5.0 ★Texas Ratio: 2.91%, OnPoint Community Credit UnionOnPoint Community Credit Union2500 Santiam Hwy SE, Albany, OR 97322 5265A+5.0 ★Texas Ratio: 4.12%, and Willamette Valley BankWillamette Valley Bank1970 14th Ave Se, Albany, OR 97322A+5.0 ★Texas Ratio: 0.89%. 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 Klamath Falls, Oregon in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Klamath Falls 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 Klamath Falls, Oregon
Market share is the lender's share of all home loans closed in Klamath Falls, 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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2 offices in Klamath Falls 540 Main St, Klamath Falls, OR 97601 A+5.0 ★Texas Ratio: 2.28% |
Conventional, FHA, VA, HELOC | 13 +6 HELOCs |
3% | 100% | $191,923 | View |
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1 office in Klamath Falls 3720 S 6th St, Klamath Falls, OR 97603 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 6 +5 HELOCs |
1.4% | 50% | $358,333 | View |
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1 office in Klamath Falls 2885 S 6th St, Klamath Falls, OR 97603 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 3 +1 HELOCs |
0.7% | 100% | $145,000 | View |
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1 office in Klamath Falls 2809 S 6th St, Klamath Falls, OR 97603 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.5% | 50% | $135,000 | View |
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★ 1 stars, 1 review 1 office in Klamath Falls 421 S 7th St, Klamath Falls, OR 97601 A+5.0 ★Texas Ratio: 4.72% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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3211 Washburn Way, Klamath Falls, OR 97603 A+5.0 ★Texas Ratio: 5.02% |
Conventional | 39 | 8.9% | 90.7% | $138,589 | View |
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3737 Shasta Way, Klamath Falls, OR 97603 A+5.0 ★Texas Ratio: 0.21% |
Conventional, HELOC | 4 +9 HELOCs |
0.9% | 100% | $227,500 | View |
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2024 Washington Ave, Baker City, OR 97814 A+5.0 ★Texas Ratio: 2.91% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
0.7% | 100% | $361,666 | View |
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2500 Santiam Hwy SE, Albany, OR 97322 5265 A+5.0 ★Texas Ratio: 4.12% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $195,000 | View |
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1970 14th Ave Se, Albany, OR 97322 A+5.0 ★Texas Ratio: 0.89% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
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1394 Clay St SE, Albany, OR 97322 6884 A+5.0 ★Texas Ratio: 3.40% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,175,000 | View |
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2495 Ne Town Center Dr, Beaverton, OR 97006 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.2% | 100% | $585,000 | View |
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840 NW 9th St, Corvallis, OR 97330 6141 A5.0 ★Texas Ratio: 11.19% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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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1375 Nw 185th Ave, Aloha, OR 97006 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Technology Federal Credit Union
8700 SW Nimbus Ave, Beaverton, OR 97008 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Mortgage Express
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Conventional, VA | 5 | 1.1% | 100% | $311,000 | |
Summit Funding.Inc
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Conventional, FHA, VA, Jumbo | 52 | 11.9% | 98.1% | $304,807 | |
Rocket Mortgage
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Conventional, FHA, VA | 40 | 9.2% | 77.2% | $200,750 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 25 | 5.7% | 89.3% | $285,800 | |
Newrez LLC
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Conventional, FHA, VA, USDA | 21 | 4.8% | 100% | $199,285 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA, VA, USDA | 21 | 4.8% | 91.7% | $226,428 | |
Kind Lending, LLC
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Conventional, FHA, VA, USDA | 20 | 4.6% | 80% | $295,500 | |
loanDepot.com LLC
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Conventional, FHA, VA | 14 | 3.2% | 63.6% | $172,142 | |
Mason-McDuffie Mortgage Corporation
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Conventional, FHA, USDA | 14 | 3.2% | 100% | $214,285 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 12 | 2.8% | 92.3% | $216,666 | |
Cmg Mortgage Inc
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Conventional, FHA, VA | 11 | 2.5% | 100% | $357,727 | |
Freedom Mortgage Corporation
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FHA, VA | 9 | 2.1% | 73.3% | $321,666 | |
Guild Mortgage Company
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Conventional, FHA, VA, USDA | 9 | 2.1% | 100% | $325,000 | |
Mortgage Research Center
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VA | 9 | 2.1% | 64.3% | $267,222 | |
Pennymac Loan Services LLC
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Conventional, FHA | 6 | 1.4% | 85.7% | $143,333 | |
Amerisave Mortgage Company
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Conventional, VA | 4 | 0.9% | 28.6% | $160,000 | |
New American Funding, LLC.
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Conventional, FHA | 4 | 0.9% | 80% | $237,500 | |
Fairway Independent Mort Corp
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Conventional, FHA, USDA | 4 | 0.9% | 100% | $195,000 | |
Navy Federal Credit Union
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Conventional, VA | 4 | 0.9% | 83.3% | $87,500 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +3 HELOCs |
0.7% | 75% | $35,000 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 3 | 0.7% | 100% | $285,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA | 3 | 0.7% | 100% | $191,666 | View |
Union Home Mortgage Corp.
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Conventional, VA | 3 | 0.7% | 100% | $361,666 | |
Evergreen Moneysource Mortgage Company
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Conventional, FHA | 3 | 0.7% | 100% | $175,000 | |
Nationstar Mortgage
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Conventional | 3 | 0.7% | 60% | $255,000 | |
The Loan Store, Inc
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Conventional, VA | 3 | 0.7% | 100% | $451,666 | |
Guaranteed Rate, Inc.
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Conventional, VA | 2 | 0.5% | 100% | $315,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 2 | 0.5% | 50% | $185,000 | |
Envoy Mortgage, Ltd
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Conventional, FHA | 2 | 0.5% | 100% | $195,000 | |
Equity Prime Mortgage LLC
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VA, USDA | 2 | 0.5% | 66.7% | $290,000 | |
PHH Mortgage Corporation
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VA | 2 | 0.5% | 100% | $290,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 0.5% | 100% | $90,000 | |
Member First Mortgage, LLC
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FHA | 2 | 0.5% | 100% | $155,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 2 | 0.5% | 100% | $205,000 | |
Prosperity Home Mortgage, LLC
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VA | 2 | 0.5% | 100% | $285,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 2 | 0.5% | 40% | $160,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $355,000 | View |
Alameda Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $205,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.2% | 100% | $185,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $55,000 | |
Go Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $205,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.2% | 100% | $445,000 | View |
Nbkc Bank
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Conventional | 1 | 0.2% | 100% | $575,000 | |
Movement Mortgage, LLC
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VA | 1 | 0.2% | 100% | $495,000 | |
Catalyst Mortgage
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FHA | 1 | 0.2% | 100% | $535,000 | |
HomeBridge Financial Services, Inc
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FHA | 1 | 0.2% | 100% | $395,000 | |
Discover Bank
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Conventional | 1 | 0.2% | 100% | $85,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 0.2% | 50% | $325,000 | |
American Financing Corporation
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Conventional | 1 | 0.2% | 50% | $55,000 | |
ClearPath Lending
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VA | 1 | 0.2% | 100% | $315,000 | |
Nfm, Inc
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Conventional | 1 | 0.2% | 100% | $275,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 50% | $195,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 25% | $205,000 | View |
Boeing Employees' Credit Union
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Conventional | 1 | 0.2% | 100% | $645,000 | |
Generations Home Loans, LLC
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Conventional | 1 | 0.2% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.2% | 100% | $385,000 | View |
Franklin Loan Corporation
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FHA | 1 | 0.2% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.2% | 100% | $345,000 | View |
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A+5.0 ★Texas Ratio: 2.91% |
Conventional | 1 | 0.2% | 100% | $395,000 | View |
Peak Credit Union
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Firefighters First Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $155,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.2% | 100% | $245,000 | |
Nations Direct Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $305,000 | |
Agwest Farm Credit, Flca
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Conventional | 1 | 0.2% | 66.7% | $345,000 | |
Lower, LLC
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VA | 1 | 0.2% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.2% | 100% | $405,000 | View |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.2% | 100% | $805,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.2% | 100% | $215,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.2% | 66.7% | $95,000 | |
Direct Rate Home Loans, Inc
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VA | 1 | 0.2% | 100% | $565,000 | |
Valon Mortgage
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Klamath Falls 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 Klamath Falls, Oregon
Looking for mortgage lenders near me or mortgage brokers near me in Klamath Falls? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Klamath Falls in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Klamath Falls, OR
Use these to narrow the list above. Each category shows how many Klamath Falls, OR lenders fit and what that kind of lender is usually best for.
Who Lends in Klamath Falls, OR
Independent mortgage companies closed 78.4 percent of home loans in Klamath Falls, Oregon in 2025, banks 9.4 percent and credit unions 12.2 percent. Mortgage Express was the largest mortgage company, Columbia Bank the largest bank and Rogue Credit Union the largest credit union. Among lenders headquartered in Oregon, Columbia Bank led with 13 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 Klamath Falls, OR
By home loans closed in 2025, Columbia Bank was the largest mortgage lender in Klamath Falls, Oregon with 13 loans, about 3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Klamath Falls, Oregon, Summit Funding.Inc approved the highest share of completed applications in 2025 at 98.1 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.
29 lenders closed FHA loans in Klamath Falls, Oregon in 2025, led by Summit Funding.Inc with 7. 32 lenders closed VA loans, led by Summit Funding.Inc, and 7 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. 21 banks and 15 credit unions closed home loans in Klamath Falls, Oregon in 2025, alongside 62 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 Klamath Falls, 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 Klamath Falls, 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 Klamath Falls. 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.
