Today we’ll take a look at the top mortgage lenders in Oregon, based on total loan volume.
Nearly 600 different mortgage companies duked it out last year in a bid to take first place in Oregon, originating about $22 billion in home loans in the process.
And like many other states in the nation, a certain United Wholesale Mortgage topped the rankings in The Beaver State.
That doesn’t come as much of a surprise given their dominance throughout the country, and their national #1 ranking.
Read on to see who else made the top 10 lists for home purchase lending and mortgage refinancing.
Top Mortgage Lenders in Oregon (Overall)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $1.8 billion |
| 2. | Guild Mortgage | $1.4 billion |
| 3. | Rocket Mortgage | $984 million |
| 4. | OnPoint CU | $855 million |
| 5. | CMG Mortgage | $571 million |
| 6. | Nations Direct | $564 million |
| 7. | U.S. Bank | $561 million |
| 8. | CrossCountry | $486 million |
| 9. | Newrez | $466 million |
| 10. | Fairway | $435 million |
As stated, Pontiac, MI-based UWM took the top spot in Oregon with $1.8 billion funded in 2024, per HMDA stats from Richey May.
Second went to San Diego, California-based Guild Mortgage with a close $1.4 billion funded during the year.
Their crosstown rival Rocket Mortgage (Detroit) was far behind with just $984 million in third place.
In fourth we finally see a hometown lender represented, Portland-based OnPoint Community Credit Union and their $855 million in loan origination volume, followed by fifth-ranked CMG Mortgage.
Others in the top 10 included Nations Direct Mortgage, U.S. Bank, CrossCountry Mortgage, Newrez, and Fairway Home Mortgage.
So just one of the top 10 mortgage lenders was a native Oregon company.
Top Oregon Mortgage Lenders (for Home Purchases)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $1.3 billion |
| 2. | Guild Mortgage | $1.3 billion |
| 3. | OnPoint | $649 million |
| 4. | Rocket Mortgage | $1.5 billion |
| 5. | CMG Mortgage | $1.2 billion |
| 6. | Nations Direct | $1.1 billion |
| 7. | U.S. Bank | $922 million |
| 8. | CrossCountry | $902 million |
| 9. | Fairway | $875 million |
| 10. | Mortgage Express | $773 million |
When we filter out the refis and focus only on home purchase loans, UWM took the cake with $1.3 billion funded in the state of Oregon, though Guild Mortgage was right there with them.
That makes them the go-to lender for Oregon home buyers, despite being located in far away Michigan.
In third was Portland-based OnPoint with about $650 million funded, followed by Rocket and CMG Mortgage.
The rest of the top 10 included Nations Direct, U.S. Bank, CrossCountry, Fairway Home Mortgage, and Portland’s Mortgage Express.
Similar to the list above, just two Oregon-based companies made the top 10 list, surprising since home buyers typically gravitate to local lending institutions.
Top Refinance Lenders in Oregon (for Existing Homeowners)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $499 million |
| 2. | Rocket Mortgage | $395 million |
| 3. | OnPoint | $184 million |
| 4. | Guild Mortgage | $147 million |
| 5. | Freedom Mortgage | $140 million |
| 6. | Newrez | $131 million |
| 7. | Pennymac | $96 million |
| 8. | U.S. Bank | $89 million |
| 9. | Columbia Bank | $85 million |
| 10. | loanDepot | $76 million |
When we single out mortgage refinances, such as rate and term refis and cash out refis, UWM easily took #1 with $499 million funded.
They were again trailed by Rocket and OnPoint, with Guild Mortgage in fourth and refinance specialist Freedom Mortgage in fifth.
The rest of the best included Newrez, Pennymac, U.S. Bank, Portland-based Columbia Bank (formerly known as Umpqua), and loanDepot.
In this list, we saw the two Portland, Oregon-based mortgage companies represented again.
Top Mortgage Lenders in Portland, OR
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $986 million |
| 2. | Guild Mortgage | $702 million |
| 3. | OnPoint | $691 million |
| 4. | Rocket Mortgage | $421 million |
| 5. | Nations Direct | $388 million |
| 6. | U.S. Bank | $331 million |
| 7. | Mortgage Express | $278 million |
| 8. | CMG Mortgage | $275 million |
| 9. | Fairway | $251 million |
| 10. | CrossCountry | $230 million |
Did the Best Oregon Mortgage Lenders Make the List?
While many of the names mentioned above have good or even excellent ratings overall from customer reviews, not many Oregon-based companies made the lists.
However, there are lots of highly-rated loan officers from both Umpqua Bank and OnPoint Community CU based on their Zillow reviews.
If you prefer to keep it local, you may want to look beyond the biggest names, at least in terms of loan volume.
For example, Willamette Valley Bank has an impressive 4.98-star rating on Zillow from over 2,200 reviews, and PacRes Mortgage has an even better 4.99-star rating from 1,100+ reviews.
Both are Oregon-based mortgage companies. The same is true of Portland-based Mortgage Express and Tualatin-based Capital Hill Mortgage.
There are lots of home loan lending options in the state of Oregon, so take a moment to see what’s out there before simply jumping at a big name.
Sometimes the best lender isn’t a household name, but instead a small, local shop.
(photo: Colin Durfee)
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