Mortgage Lenders and Brokers in St. Paul, 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
St. Paul, Oregon mortgage lenders include Columbia BankColumbia Bank333 Ellsworth St Sw, Albany, OR 97321A+5.0 ★Texas Ratio: 2.28%, Banner BankBanner Bank2024 Washington Ave, Baker City, OR 97814A+5.0 ★Texas Ratio: 2.91%, Mechanics BankMechanics Bank3970 Mercantile Dr, Lake Oswego, OR 97035A+5.0 ★Texas Ratio: 1.81%, First Community Credit UnionFirst Community Credit Union75 12th ST SE, Bandon, OR 97411A+5.0 ★Texas Ratio: 0.21%, OnPoint Community Credit UnionOnPoint Community Credit Union2500 Santiam Hwy SE, Albany, OR 97322 5265A+5.0 ★Texas Ratio: 4.12%, United Wholesale Mortgage, Triad Financial Services, Inc., Pennymac Loan Services LLC, Amerisave Mortgage Company, and Guild Mortgage Company. 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 St. Paul, Oregon in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Paul 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 St. Paul, Oregon
Market share is the lender's share of all home loans closed in St. Paul, 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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333 Ellsworth St Sw, Albany, OR 97321 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 1 | 9.1% | 100% | $415,000 | View |
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2024 Washington Ave, Baker City, OR 97814 A+5.0 ★Texas Ratio: 2.91% |
Conventional | 1 | 9.1% | 100% | $285,000 | View |
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3970 Mercantile Dr, Lake Oswego, OR 97035 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 9.1% | 100% | $805,000 | View |
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75 12th ST SE, Bandon, OR 97411 A+5.0 ★Texas Ratio: 0.21% |
Conventional | 1 | 9.1% | 100% | $765,000 | View |
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2500 Santiam Hwy SE, Albany, OR 97322 5265 A+5.0 ★Texas Ratio: 4.12% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
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Conventional | 1 | 9.1% | 100% | $485,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 9.1% | 100% | $365,000 | |
Pennymac Loan Services LLC
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VA | 1 | 9.1% | 100% | $785,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 9.1% | 100% | $75,000 | |
Guild Mortgage Company
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Conventional | 1 | 9.1% | 100% | $365,000 | |
Qualstar Credit Union
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Conventional | 1 | 9.1% | 100% | $55,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
FHA | 1 | 9.1% | 100% | $465,000 | View |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
St. Paul 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 St. Paul, Oregon
Looking for mortgage lenders near me or mortgage brokers near me in St. Paul? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Paul in 2025, with lenders based there listed first.
Types of Mortgage Lenders in St. Paul, OR
Use these to narrow the list above. Each category shows how many St. Paul, OR lenders fit and what that kind of lender is usually best for.
Who Lends in St. Paul, OR
Independent mortgage companies closed 54.5 percent of home loans in St. Paul, Oregon in 2025, banks 27.3 percent and credit unions 18.2 percent. United Wholesale Mortgage was the largest mortgage company, Columbia Bank the largest bank and First Community Credit Union the largest credit union. Among lenders headquartered in Oregon, Columbia Bank led with 1 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 St. Paul, OR
By home loans closed in 2025, Columbia Bank was the largest mortgage lender in St. Paul, Oregon with 1 loans, about 9.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in St. Paul, Oregon in 2025, led by Ladera Lending, Inc. with 1. 1 lenders closed VA loans, led by Pennymac Loan Services LLC. 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. 3 banks and 3 credit unions closed home loans in St. Paul, Oregon in 2025, alongside 7 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 St. Paul, 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 St. Paul, 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 St. Paul. 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.
