Who has the best mortgage rates in Oregon?
A good rate for a primary, single-family home in for , and credit score is:
found 51 lenders for you—rates updated Jun 26, 2025
Rates updated Jun 26, 2025
Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson TrueRate Data ScientistLenders with low rates in OR
TrueRate analyzed the rates lenders actually gave to buyers for the last three years and found only 4 lenders likely to get you a good deal.
| Lender | Lender fees | ||
|---|---|---|---|
 | No lender feesHighly rated | Highly rated | |
 | $500Mixed to negative | Mixed to negative | |
 | $995Mixed reviews | Mixed reviews | |
 | $995Average | Average |
Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson TrueRate Data ScientistLenders in OR likely to have high rates
We don’t accept advertising, so you can get the real lender story. TrueRate looked at 51 lenders and found that these 3 are likely to offer you a high rate.
| Lender | Lender fees | ||
|---|---|---|---|
 | $1790Above average | Above average | |
 | $1740Limited reviews | Limited reviews | |
 | $1565Mixed reviews | Mixed reviews |
Insights
Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.
George Robinson TrueRate Data ScientistLenders with average rates in OR
You deserve better than what these 44 lenders historically provide.
- 1st Security Bank Of Washingto
- American Neighborhood Mortgage
- American Pacific Mortgage Corp
- Ark-La-Tex Financial Services
- Bank Of England
- Calcon Mutual Mortgage LLC
- Cmg Mortgage Inc.
- Crosscountry Mortgage, LLC
- Das Acquisition Company, LLC
- Digital Federal Credit Union
- Envoy Mortgage, Ltd
- Evergreen Moneysource Mortgage
- Evolve Bank & Trust
- Fairway Independent Mort Corp
- First Interstate Bank
- Gold Star Mortgage Financial G
- Golden Empire Mortgage, Inc.
- Goprime Mortgage, Inc.
- Guaranteed Rate, Inc.
- Homestreet Bank
- Intercap Lending Inc.
- Ixonia Bank
- Leaderone Financial Corp.
- Loan Simple, Inc.
- Mason-Mcduffie Mortgage Corpor
- Michigan St Univ Fcu
- Mutual Of Omaha Mortgage
- Nations Lending Corporation
- Nfm, Inc.
- Northpointe Bank
- Oregon Community Credit Union
- Pacific Residential Mortgage,
- Penrith Home Loans LLC
- Premier Mortgage Resources, Ll
- Primelending
- Spokane Teachers Credit Union
- Success Mortgage Partners, Inc.
- Summit Funding.Inc.
- Summit Mortgage Corporation
- Sunflower Bank, N.A.
- Synergy One Lending
- The Federal Savings Bank
- V.I.P. Mortgage, Inc.
- Willamette Valley Bank
Methodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Don’t let lenders pull a fast one on you
Learn how really low rates often come with hidden fees. Drag the slider to see how rates and fees are connected.
Insights
Insights by James McTernan Tomo Mortgage Loan Advisor - NMLS #337556TrueRate report
See how mortgage companies got home buyers to over-pay by billions.
Get the reportMethodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
The housing market in Oregon is exciting
Buying a home in Oregon is becoming more achievable, giving you the chance to enjoy the state’s stunning landscapes and vibrant communities.
Portland is the star of Oregon’s real estate scene, known for its unique culture, craft breweries, and beautiful parks. While the city can be competitive, there are still neighborhoods where you can find more affordable options. Areas like St. Johns or Montavilla offer a mix of charm and value, making them great choices for first-time buyers looking to get into the market.
But don’t forget about other parts of Oregon! Cities like Bend and Eugene offer a different lifestyle. Bend, with its amazing views and outdoor activities, is perfect for nature lovers and adventure seekers. Eugene, with its artsy vibe and friendly community, is a great place to live too. Both cities have housing options for different budgets.
For first-time buyers, Oregon has programs to help with down payments and closing costs, which can ease some of the financial pressure that comes with buying a home. These resources are helpful for those new to the real estate market.
With its diverse landscapes, lively cities, and improving interest rates, Oregon has a lot to offer homebuyers. Whether you’re drawn to the excitement of Portland or the peaceful beauty of Bend, now is a great time to explore what this beautiful state has to offer.