Mortgage Lenders and Brokers in Lincoln City, 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
Lincoln City, Oregon mortgage lenders include US Bank, N.A.US Bank, N.A.928 Sw 5th St, Lincoln City, OR 97367A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA2300 Ne Highway 101, Lincoln City, OR 97367A+5.0 ★Texas Ratio: 5.36%, Columbia BankColumbia Bank4157 North Highway 101 Suite 135, Lincoln City, OR 97367A+5.0 ★Texas Ratio: 2.28%, BMO Harris Bank NABMO Harris Bank NA4659 Sw Highway 101, Lincoln City, OR 97367A+5.0 ★Texas Ratio: 3.54%, OnPoint Community Credit UnionOnPoint Community Credit Union2500 Santiam Hwy SE, Albany, OR 97322 5265A+5.0 ★Texas Ratio: 4.12%, Oregon State Credit UnionOregon State Credit Union3350 NE Highway 101, Lincoln City, OR 97367A+5.0 ★Texas Ratio: 3.40%, Banner BankBanner Bank2024 Washington Ave, Baker City, OR 97814A+5.0 ★Texas Ratio: 2.91%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA231 Ellsworth St Sw, Albany, OR 97321A+5.0 ★Texas Ratio: 3.68%, Pacific Nw Federal Credit UnionPacific Nw Federal Credit Union1004 Pacific Ave, Hood River, OR 97031 1961A+5.0 ★Texas Ratio: 2.27%, and Summit Mortgage CorporationSummit Mortgage Corporation560 Sw Columbia St, Bend, OR 97702. 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 Lincoln City, Oregon in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lincoln City 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 Lincoln City, Oregon
Market share is the lender's share of all home loans closed in Lincoln City, 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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1 office in Lincoln City 928 Sw 5th St, Lincoln City, OR 97367 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 3 +3 HELOCs |
1.3% | 57.1% | $215,000 | View |
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1 office in Lincoln City 2300 Ne Highway 101, Lincoln City, OR 97367 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 3 | 1.3% | 100% | $581,666 | View |
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1 office in Lincoln City 4157 North Highway 101 Suite 135, Lincoln City, OR 97367 A+5.0 ★Texas Ratio: 2.28% |
Conventional, FHA, Jumbo, HELOC | 2 +3 HELOCs |
0.9% | 100% | $720,000 | View |
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1 office in Lincoln City 4659 Sw Highway 101, Lincoln City, OR 97367 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2500 Santiam Hwy SE, Albany, OR 97322 5265 A+5.0 ★Texas Ratio: 4.12% |
Conventional, HELOC | 7 +6 HELOCs |
3.1% | 100% | $322,142 | View |
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3350 NE Highway 101, Lincoln City, OR 97367 A+5.0 ★Texas Ratio: 3.40% |
Conventional, HELOC | 4 +10 HELOCs |
1.7% | 71.4% | $272,500 | View |
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2024 Washington Ave, Baker City, OR 97814 A+5.0 ★Texas Ratio: 2.91% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.9% | 100% | $820,000 | View |
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231 Ellsworth St Sw, Albany, OR 97321 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $305,000 | View |
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1004 Pacific Ave, Hood River, OR 97031 1961 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 0.4% | 100% | $55,000 | |
Summit Mortgage Corporation
560 Sw Columbia St, Bend, OR 97702 |
Conventional | 1 | 0.4% | 100% | $785,000 | |
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715 Laneda Avenue, Manzanita, OR 97130 A+5.0 ★Texas Ratio: 4.31% |
FHA | 1 | 0.4% | 100% | $525,000 | View |
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223 NE 2ND AVE, CANBY, OR 97013 A5.0 ★Texas Ratio: 6.30% |
Conventional | 1 | 0.4% | 100% | $235,000 | View |
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1375 Nw 185th Ave, Aloha, OR 97006 A+5.0 ★Texas Ratio: 4.14% |
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 +2 HELOCs |
0% | n/a | 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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128 3rd Ave Sw, Albany, OR 97321 A+5.0 ★Texas Ratio: 4.81% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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75 12th ST SE, Bandon, OR 97411 A+5.0 ★Texas Ratio: 0.21% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1823 14th Ave SE, Albany, OR 97322 A+5.0 ★Texas Ratio: 1.92% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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11240 SW Allen Blvd, Beaverton, OR 97005 A5.0 ★Texas Ratio: 8.54% |
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 | ||
Lpmc, LLC dba Landmark Profess
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Conventional, FHA, VA | 10 | 4.4% | 100% | $340,000 | |
Mortgage Express
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Conventional | 6 | 2.6% | 100% | $483,333 | |
Directors Mortgage, Inc
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Conventional | 1 | 0.4% | 100% | $445,000 | |
Consolidated Community Credit
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA, HELOC | 23 +1 HELOCs |
10% | 79.3% | $241,956 | |
Evergreen Moneysource Mortgage Company
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Conventional, FHA | 15 | 6.6% | 100% | $331,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 14 | 6.1% | 100% | $355,000 | |
United Wholesale Mortgage
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Conventional, VA | 10 | 4.4% | 83.3% | $455,000 | |
Newrez LLC
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Conventional, FHA, Jumbo | 9 | 3.9% | 90% | $357,222 | |
Pennymac Loan Services LLC
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Conventional, VA, Jumbo | 6 | 2.6% | 85.7% | $341,666 | |
Guild Mortgage Company
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Conventional | 5 | 2.2% | 100% | $373,000 | |
Union Home Mortgage Corp.
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Conventional | 5 | 2.2% | 100% | $409,000 | |
Churchill Mortgage Corporation
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Conventional, VA | 5 | 2.2% | 100% | $459,000 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 4 +1 HELOCs |
1.7% | 80% | $235,000 | |
Go Mortgage, LLC
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Conventional, FHA | 4 | 1.7% | 100% | $347,500 | |
Kind Lending, LLC
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Conventional, Jumbo | 4 | 1.7% | 80% | $687,500 | |
Nations Direct Mortgage, LLC
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Conventional | 4 | 1.7% | 100% | $520,000 | |
Fairway Independent Mort Corp
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Conventional | 4 | 1.7% | 100% | $407,500 | |
Cmg Mortgage Inc
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Conventional, HELOC | 3 +1 HELOCs |
1.3% | 100% | $295,000 | |
American Financial Network, Inc.
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Conventional, FHA | 3 | 1.3% | 100% | $195,000 | |
Mortgage Research Center
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VA | 3 | 1.3% | 75% | $465,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 3 | 1.3% | 100% | $438,333 | |
The Loan Store, Inc
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Conventional | 3 | 1.3% | 100% | $605,000 | |
Cornerstone First Mortgage, LLC
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Conventional, VA | 2 | 0.9% | 100% | $575,000 | |
Alameda Mortgage Corporation
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Conventional | 2 | 0.9% | 100% | $565,000 | |
Freedom Mortgage Corporation
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Conventional, VA | 2 | 0.9% | 100% | $220,000 | |
Movement Mortgage, LLC
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Conventional | 2 | 0.9% | 100% | $300,000 | |
Bayshore Mortgage Funding
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Conventional | 2 | 0.9% | 100% | $140,000 | |
Bay Equity LLC
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Conventional, FHA | 2 | 0.9% | 100% | $170,000 | |
Starboard Financial Management, LLC
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Conventional, FHA | 2 | 0.9% | 100% | $305,000 | |
Lendsure Mortgage Corp.
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Conventional, Jumbo | 2 | 0.9% | 100% | $915,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.9% | 100% | $150,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 2 | 0.9% | 100% | $450,000 | |
New American Funding, LLC.
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Conventional | 2 | 0.9% | 100% | $505,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.9% | 100% | $365,000 | View |
Idaho Central Credit Union
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Conventional | 2 | 0.9% | 100% | $305,000 | |
Alliant Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $435,000 | |
Boeing Employees' Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $545,000 | View |
Guaranteed Rate, Inc.
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FHA | 1 | 0.4% | 100% | $225,000 | |
Primelending
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Conventional | 1 | 0.4% | 100% | $495,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.4% | 100% | $35,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $255,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $285,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.4% | 50% | $335,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.4% | 100% | $695,000 | View |
Sammamish Mortgage Company
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Conventional | 1 | 0.4% | 100% | $195,000 | |
Synergy One Lending, Inc.
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Conventional | 1 | 0.4% | 100% | $755,000 | |
Catalyst Mortgage
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FHA | 1 | 0.4% | 100% | $355,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.4% | 100% | $465,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 16.7% | $65,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.4% | 100% | $65,000 | |
Click n' Close, Inc.
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Conventional | 1 | 0.4% | 100% | $415,000 | |
Home Mortgage Advisors, LLC
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Conventional | 1 | 0.4% | 100% | $185,000 | |
Calcon Mutual Mortgage LLC
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FHA | 1 | 0.4% | 100% | $535,000 | |
Stg Mortgage Inc
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Conventional | 1 | 0.4% | 100% | $625,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.4% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $695,000 | View |
Goldenwest Federal Credit Union
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VA | 1 | 0.4% | 100% | $745,000 | |
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A5.0 ★Texas Ratio: 10.77% |
Conventional | 1 | 0.4% | 100% | $615,000 | View |
Florida Capital Bank, N.A
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Conventional | 1 | 0.4% | 100% | $355,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.4% | 100% | $915,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.4% | 100% | $295,000 | |
Carrington Mortgage Services LLC
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VA | 1 | 0.4% | 100% | $265,000 | |
Loan Simple, Inc.
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FHA | 1 | 0.4% | 100% | $485,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $115,000 | |
Geneva Financial LLC
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VA | 1 | 0.4% | 100% | $275,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.4% | 100% | $325,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.4% | 100% | $415,000 | |
Fibre Federal Credit Union
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HELOC | 0 +6 HELOCs |
0% | 33.3% | ||
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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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 | |
Wsecu
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeStreet Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Lincoln City 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 Lincoln City, Oregon
Looking for mortgage lenders near me or mortgage brokers near me in Lincoln City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lincoln City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lincoln City, OR
Use these to narrow the list above. Each category shows how many Lincoln City, OR lenders fit and what that kind of lender is usually best for.
Who Lends in Lincoln City, OR
Independent mortgage companies closed 81.2 percent of home loans in Lincoln City, Oregon in 2025, banks 8.7 percent and credit unions 10 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 2 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 Lincoln City, OR
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Lincoln City, Oregon with 3 loans, about 1.3 percent of the market. The largest lender headquartered in Oregon was Columbia Bank with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
17 lenders closed FHA loans in Lincoln City, Oregon in 2025, led by Evergreen Moneysource Mortgage Company with 4. 13 lenders closed VA loans, led by Rocket 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.
Yes. 19 banks and 21 credit unions closed home loans in Lincoln City, 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 Lincoln City, 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 Lincoln City, 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 Lincoln City. 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.
