The Lenders Community Survey gathers homeowners feedback and 98 lenders recommendations for Oregon home refinance. Shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: May 1, 2025
<< Human Powered Recommendations >>
Oregon Top Lenders for Home Refinance Loans
Portland, Salem, Eugene, Gresham, Hillsboro, Bend, Beaverton, Medford, Springfield, Corvallis, Online lenders.
Recommendations are gathered from 979 local Oregonian members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Oregon Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Oregon Homeowners.
Portland Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Portland’s area are OnPoint Community Credit Union, Umpqua Bank and U.S. Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| OnPoint Community Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 95% |
| Umpqua Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| U.S. Bank | Bank | 4.0 | 4.5 | 4.5 | 92% |
| iQ Credit Union | Credit Union | 4.5 | 4.0 | 4.5 | 90% |
| Riverview Community Bank | Community Bank | 4.0 | 4.0 | 4.5 | 88% |
| Banner Bank | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| Columbia Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 84% |
| First Tech Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 82% |
| Advantis Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 80% |
| Bank of America | Bank | 3.5 | 3.5 | 3.5 | 78% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.5 | 76% |
| KeyBank | Bank | 3.0 | 3.5 | 3.5 | 74% |
| HomeStreet Bank | Community Bank | 3.0 | 3.0 | 3.5 | 72% |
| Heritage Bank | Community Bank | 3.0 | 3.0 | 3.0 | 70% |
| Pacific Continental Bank (now part of Columbia Bank) | Community Bank | 2.5 | 3.0 | 3.0 | 65% |
Salem Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Salem’s area are OnPoint Community Credit Union, Umpqua Bank and Salem Five.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| OnPoint Community Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 95% |
| Umpqua Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Salem Five | Bank | 4.0 | 4.5 | 4.5 | 90% |
| Willamette Valley Bank | Community Bank | 4.0 | 4.0 | 4.5 | 88% |
| Pioneer Trust Bank | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| Columbia Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 82% |
| Advantis Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 80% |
| Bank of America | Bank | 3.5 | 3.5 | 3.5 | 78% |
| KeyBank | Bank | 3.0 | 3.5 | 3.5 | 75% |
| HomeStreet Bank | Community Bank | 3.0 | 3.0 | 3.5 | 72% |
Eugene Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Eugene’s area are OnPoint Community Credit Union, Umpqua Bank and Pacific Cascade Federal Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| OnPoint Community Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 95% |
| Umpqua Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Pacific Cascade Federal Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 90% |
| Selco Community Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 88% |
| Community Point Bank | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| LibertyBank | Bank | 3.5 | 4.0 | 4.0 | 82% |
| Pacific Continental Bank | Community Bank | 3.5 | 3.5 | 4.0 | 80% |
| Summit Bank | Community Bank | 3.5 | 3.5 | 3.5 | 78% |
| Bank of America | Bank | 3.0 | 3.5 | 3.5 | 75% |
| KeyBank | Bank | 3.0 | 3.0 | 3.5 | 72% |
Gresham Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Gresham’s area are OnPoint Community Credit Union, Umpqua Bank and MBank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| OnPoint Community Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 95% |
| Umpqua Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| MBank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| Riverview Community Bank | Community Bank | 4.0 | 4.0 | 4.5 | 88% |
| Heritage Bank | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| Banner Bank | Community Bank | 3.5 | 4.0 | 4.0 | 82% |
| HomeStreet Bank | Community Bank | 3.5 | 3.5 | 4.0 | 80% |
| Bank of America | Bank | 3.5 | 3.5 | 3.5 | 78% |
| KeyBank | Bank | 3.0 | 3.5 | 3.5 | 75% |
| First Citizens Bank | Bank | 3.0 | 3.0 | 3.5 | 72% |
Hillsboro Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Hillsboro’s area are OnPoint Community Credit Union, Umpqua Bank and Riverview Community Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| OnPoint Community Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 95% |
| Umpqua Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Riverview Community Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| First Tech Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 88% |
| KeyBank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Banner Bank | Community Bank | 3.5 | 4.0 | 4.0 | 82% |
| Columbia Bank | Community Bank | 3.5 | 3.5 | 4.0 | 80% |
| Bank of America | Bank | 3.5 | 3.5 | 3.5 | 78% |
| Wells Fargo | Bank | 3.0 | 3.5 | 3.5 | 75% |
| HomeStreet Bank | Community Bank | 3.0 | 3.0 | 3.5 | 72% |
Bend Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Bend’s area are OnPoint Community Credit Union, Umpqua Bank and Bank of the Cascades.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| OnPoint Community Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 95% |
| Umpqua Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Bank of the Cascades | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| Mid Oregon Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 88% |
| Banner Bank | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| KeyBank | Bank | 3.5 | 4.0 | 4.0 | 82% |
| Columbia Bank | Community Bank | 3.5 | 3.5 | 4.0 | 80% |
| Bank of America | Bank | 3.5 | 3.5 | 3.5 | 78% |
| Wells Fargo | Bank | 3.0 | 3.5 | 3.5 | 75% |
| HomeStreet Bank | Community Bank | 3.0 | 3.0 | 3.5 | 72% |
Beaverton Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Beaverton’s area are OnPoint Community Credit Union, Umpqua Bank and Riverview Community Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| OnPoint Community Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 95% |
| Umpqua Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Riverview Community Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| Banner Bank | Community Bank | 4.0 | 4.0 | 4.5 | 88% |
| KeyBank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Columbia Bank | Community Bank | 3.5 | 4.0 | 4.0 | 82% |
| Bank of America | Bank | 3.5 | 3.5 | 3.5 | 78% |
Medford Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Medford’s area are Umpqua Bank, Banner Bank and OnPoint Community Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| Umpqua Bank | Bank | 4.5 | 4.5 | 4.5 | 94% |
| Banner Bank | Community Bank | 4.0 | 4.5 | 4.5 | 92% |
| OnPoint Community Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 90% |
| Rogue Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 88% |
| KeyBank | Bank | 3.5 | 4.0 | 4.0 | 85% |
| U.S. Bank | Bank | 3.5 | 3.5 | 3.5 | 82% |
| Bank of the Cascades | Community Bank | 3.0 | 3.5 | 3.5 | 80% |
Springfield Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Springfield’s area are OnPoint Community Credit Union, Umpqua Bank and Banner Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| OnPoint Community Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 95% |
| Umpqua Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Banner Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| KeyBank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Riverview Community Bank | Community Bank | 3.5 | 4.0 | 4.0 | 85% |
| Columbia Bank | Community Bank | 3.5 | 3.5 | 4.0 | 82% |
| Bank of America | Bank | 3.5 | 3.5 | 3.5 | 80% |
Corvallis Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Corvallis’s area are OnPoint Community Credit Union, Umpqua Bank and Banner Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| OnPoint Community Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 95% |
| Umpqua Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Banner Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| KeyBank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Columbia Bank | Community Bank | 3.5 | 4.0 | 4.0 | 85% |
| U.S. Bank | Bank | 3.5 | 3.5 | 3.5 | 82% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.5 | 80% |
Best Oregon Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in Oregon’s are Rocket Mortgage, OnPoint Community Credit Union and Better Mortgage.
| Lender (name) | Loan Amounts (range) | APR Range (current market rates) | Loan Terms (years offered) | Easy Application | Rate Satisfaction | Support and Guidance | Recommend % (from 0-100%) |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50,000 – $3,000,000 | 5.65% – 7.15% | 10, 15, 20, 30 | 5 | 4.5 | 5 | 96% |
| OnPoint Community Credit Union | $50,000 – $1,500,000 | 5.60% – 7.10% | 10, 15, 20, 30 | 4.5 | 4.5 | 5 | 94% |
| Better Mortgage | $100,000 – $2,500,000 | 5.70% – 7.20% | 15, 20, 30 | 4.5 | 4.5 | 4.5 | 92% |
| Umpqua Bank | $50,000 – $2,000,000 | 5.75% – 7.25% | 15, 20, 30 | 4.5 | 4 | 4.5 | 90% |
| LoanDepot | $50,000 – $3,000,000 | 5.80% – 7.30% | 10, 15, 20, 25, 30 | 4 | 4 | 4.5 | 88% |
| Columbia Bank | $50,000 – $1,000,000 | 5.85% – 7.35% | 15, 20, 30 | 4 | 4 | 4 | 86% |
| SoFi | $100,000 – $2,000,000 | 5.90% – 7.40% | 10, 15, 20, 30 | 4 | 3.5 | 4 | 84% |
| Guaranteed Rate | $50,000 – $2,000,000 | 5.95% – 7.45% | 15, 20, 30 | 3.5 | 4 | 4 | 83% |
| Unitus Community Credit Union | $50,000 – $750,000 | 5.80% – 7.30% | 10, 15, 20, 30 | 3.5 | 4 | 4.5 | 82% |
| US Bank | $100,000 – $2,000,000 | 6.00% – 7.50% | 10, 15, 20, 30 | 3.5 | 3.5 | 3.5 | 81% |
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