10 Best Oregon Mortgage Lenders of 2021
Here are the best Oregon mortgage lenders for a variety of needs.
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If you're looking to buy a home or refinance in Oregon, from its rainy coast to its high desert areas, we've done the research. We’ve identified some of the best mortgage lenders for your needs.
Whether you need to make a small down payment, are a first-time home buyer, seek a lender that doesn't mind a low credit score, prefer an online lender, or want to borrow against your home's equity, these mortgage lenders can help.
If you're looking to buy a home or refinance in Oregon, from its rainy coast to its high desert areas, we've done the research. We’ve identified some of the best mortgage lenders for your needs.
Whether you need to make a small down payment, are a first-time home buyer, seek a lender that doesn't mind a low credit score, prefer an online lender, or want to borrow against your home's equity, these mortgage lenders can help.
Best Oregon Mortgage Lenders
Lender | NerdWallet rating | Min. credit score | Min. down payment | Learn more |
---|---|---|---|---|
![]() Pennymac: NMLS#35953 Learn more at Pennymac | Best for online mortgage lender | 620 | 3% | Learn more at Pennymac |
![]() New American Funding: NMLS#6606 Learn more at New American Funding | Best for low credit scores | 620 | 3% | Learn more at New American Funding |
![]() Rocket Mortgage, LLC: NMLS#3030 Learn more at Rocket Mortgage, LLC | Best for online mortgage lender | 620 | 3% | Learn more at Rocket Mortgage, LLC |
![]() Guild Mortgage: NMLS#3274 | Best for first-time home buyers | 620 | 3% | Read review |
![]() Citibank: NMLS#412915 | Best for first-time home buyers | N/A | 3% | Read review |
![]() Wells Fargo: NMLS#399801 | Best for in-person service | 620 | 3% | Read review |
![]() Bank of America: NMLS#399802 | Best for low down payments | 660 | 5% | Read review |
![]() US Bank: NMLS#402761 | Best for home equity lines of credit | 620 | N/A | Read review |
![]() Chase: NMLS#399798 | Best for home equity lines of credit | 620 | N/A | Read review |
![]() Flagstar: NMLS#417490 | Best for low down payments | 620 | 3% | Read review |

at Pennymac
Pennymac: NMLS#35953

Min. credit score
620Min. down payment
3%at Pennymac

at New American Funding
New American Funding: NMLS#6606

Min. credit score
620Min. down payment
3%at New American Funding

at Rocket Mortgage, LLC
Rocket Mortgage, LLC: NMLS#3030

Min. credit score
620Min. down payment
3%at Rocket Mortgage, LLC
Guild Mortgage: NMLS#3274

Min. credit score
620Min. down payment
3%Citibank: NMLS#412915

National / regional
NationalMin. down payment
3%Wells Fargo: NMLS#399801

Min. credit score
620Min. down payment
3%Bank of America: NMLS#399802

Min. credit score
660Min. down payment
5%National / regional
NationalUS Bank: NMLS#402761

National / regional
NationalMax LTV
80%Min. credit score
620Chase: NMLS#399798

National / regional
NationalMax LTV
80%Min. credit score
620Flagstar: NMLS#417490

Min. credit score
620Min. down payment
3%Last updated on January 26, 2021
Methodology
To recap our selections...
NerdWallet's Best Oregon Mortgage Lenders of 2021
- Pennymac: Best for online mortgage lender
- New American Funding: Best for low credit scores
- Rocket Mortgage, LLC: Best for online mortgage lender
- Guild Mortgage: Best for first-time home buyers
- Citibank: Best for first-time home buyers
- Wells Fargo: Best for in-person service
- Bank of America: Best for low down payments
- US Bank: Best for home equity lines of credit
- Chase: Best for home equity lines of credit
- Flagstar: Best for low down payments