Same Day · Eugene
Same-Day Mortgage Brokers in Eugene, OR
Can't wait a week? These mortgage brokers in Eugene offer same-day or next-day appointments. Call now to check availability.
As of May 2026, RatingsNearMe ranks 19 mortgage brokers in Eugene, OR by verified customer ratings and review volume. The highest-rated is Summit Funding, Inc. with a 5.0-star rating from 1,088 verified reviews. Also in the top tier: Eugene Mortgage Brokers and Guild Mortgage - Ladelle White. The average rating across all listed mortgage brokers in Eugene is 4.9 stars from 126 reviews per business on average.
Mortgage brokers in Eugene: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
19
Businesses listed
4.9★
Avg rating
126
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Summit Funding, Inc.
44 Club Rd Suite 300, 320 & 330, Eugene, OR 97401, USA
Eugene Mortgage Brokers
722 Country Club Rd, Eugene, OR 97401, USA
Guild Mortgage - Ladelle White
1600 Valley River Dr #330, Eugene, OR 97401, USA
Mortgage Brokers Rankings in Eugene, OR
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Summit Funding, Inc.44 Club Rd Suite 300, 320 & 330, Eugene, OR 97401, USA | 5.0★ | 1,088 |
| #2 | Eugene Mortgage Brokers722 Country Club Rd, Eugene, OR 97401, USA | 4.9★ | 106 |
| #3 | Guild Mortgage - Ladelle White1600 Valley River Dr #330, Eugene, OR 97401, USA | 5.0★ | 215 |
| #4 | Strategic Mortgage Solutions911 Country Club Rd #390, Eugene, OR 97401, USA | 4.9★ | 71 |
| #5 | Paramount Mortgage Company975 Willagillespie Rd # 201, Eugene, OR 97401, USA | 5.0★ | 141 |
| #6 | Stepping Stone Mortgage1140 Willagillespie Rd Ste 13, Eugene, OR 97401, USA | 5.0★ | 67 |
| #7 | American Pacific Mortgage1400 Executive Pkwy #300, Eugene, OR 97401, USA | 4.9★ | 100 |
| #8 | Western Mortgage Brokers, Inc.142 W 8th Ave, Eugene, OR 97401, USA | 4.7★ | 26 |
| #9 | Michael Hanks, Loan Officer2725 Delta Oaks Dr, Eugene, OR 97408, USA | 5.0★ | 32 |
| #10 | Directors Mortgage1500 Valley River Dr #190, Eugene, OR 97401, USA | 4.9★ | 78 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Eugene
Strategic Mortgage Solutions
911 Country Club Rd #390, Eugene, OR 97401, USA
Paramount Mortgage Company
975 Willagillespie Rd # 201, Eugene, OR 97401, USA
Stepping Stone Mortgage
1140 Willagillespie Rd Ste 13, Eugene, OR 97401, USA
American Pacific Mortgage
1400 Executive Pkwy #300, Eugene, OR 97401, USA
Western Mortgage Brokers, Inc.
142 W 8th Ave, Eugene, OR 97401, USA
Michael Hanks, Loan Officer
2725 Delta Oaks Dr, Eugene, OR 97408, USA
Directors Mortgage
1500 Valley River Dr #190, Eugene, OR 97401, USA
The Duncan Team - Mortgage Advisors- Edge Home Finance
1126 Crenshaw Rd, Eugene, OR 97401, USA
Summer Freeman- Mortgage Marketplace, NMLS# 360504
590 Pearl St Suite 300, Office 319, Eugene, OR 97401, USA
Guild Mortgage Company
1600 Valley River Dr #330, Eugene, OR 97401, USA
Denise Cuddeback Montgomery, American Pacific Mortgage
1400 Executive Pkwy #300, Eugene, OR 97401, USA
Guild Mortgage - Trevor Nissen
1600 Valley River Dr #330, Eugene, OR 97401, USA
Synergy One Lending
440 E Broadway Suite 140, Eugene, OR 97401, USA
Chinook Mortgage Ltd
474 Willamette St, Eugene, OR 97401, USA
Tim Tyler - Rate Senior VP of Lending
678 Country Club Rd, Eugene, OR 97401, USA
Heather Ducker
2911 Tennyson Ave Suite 304, Eugene, OR 97408, USA
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Frequently Asked Questions — Mortgage Brokers in Eugene
What does a mortgage broker do differently than going directly to a bank in Eugene?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Eugene?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in OR?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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