Highest Rated · Eugene
Top-Rated Mortgage Brokers in Eugene, OR
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of July 2026, RatingsNearMe ranks 19 mortgage brokers in Eugene, OR by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Summit Funding, Inc. with a 5.0-star rating from 1,088 Google reviews and an RNM Score of 88/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Tim Tyler - Rate Senior VP of Lending
Tim Tyler is top-ranked for his extensive experience and leadership in the Eugene mortgage market.
Most Reviewed
Guild Mortgage - Ladelle White
A high review count indicates broad customer trust and a proven track record of satisfaction.
When choosing a mortgage broker in Eugene, compare loan options and fees across multiple top-ranked brokers to ensure you get the best rate and service for your specific needs.
Local Market Snapshot
19
Businesses listed
4.9★
Avg rating
126
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
5.0 stars from over 1,000 reviews, reflecting exceptional local client satisfaction.
44 Club Rd Suite 300, 320 & 330, Eugene, OR 97401, USAEarned 4.9 stars from 106 Google reviews, reflecting exceptional client satisfaction.
722 Country Club Rd, Eugene, OR 97401, USAEarns a perfect 5.0★ rating from over 200 local Google reviews.
1600 Valley River Dr #330, Eugene, OR 97401, USAMortgage 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 | Guild Mortgage Company1600 Valley River Dr #330, Eugene, OR 97401, USA | 4.3★ | 22 |
| #5 | Paramount Mortgage Company975 Willagillespie Rd # 201, Eugene, OR 97401, USA | 5.0★ | 141 |
| #6 | Summer Freeman- Mortgage Marketplace, NMLS# 360504590 Pearl St Suite 300, Office 319, Eugene, OR 97401, USA | 5.0★ | 97 |
| #7 | Western Mortgage Brokers, Inc.142 W 8th Ave, Eugene, OR 97401, USA | 4.7★ | 26 |
| #8 | American Pacific Mortgage1400 Executive Pkwy #300, Eugene, OR 97401, USA | 4.9★ | 100 |
| #9 | Strategic Mortgage Solutions911 Country Club Rd #390, Eugene, OR 97401, USA | 4.9★ | 71 |
| #10 | Stepping Stone Mortgage1140 Willagillespie Rd Ste 13, Eugene, OR 97401, USA | 5.0★ | 67 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Eugene
Known for solid service with a 4.3-star rating from over 20 reviews in Eugene.
1600 Valley River Dr #330, Eugene, OR 97401, USA
Earned a perfect 5.0-star rating from over 140 local Google reviews.
975 Willagillespie Rd # 201, Eugene, OR 97401, USA
Earning a flawless 5.0-star rating from nearly 100 local reviews in Eugene.
590 Pearl St Suite 300, Office 319, Eugene, OR 97401, USA
4.7 stars from 26 Google reviews, reflecting strong local client satisfaction.
142 W 8th Ave, Eugene, OR 97401, USA
Earned a 4.9-star rating from over 100 Google reviews in Eugene.
1400 Executive Pkwy #300, Eugene, OR 97401, USA
Top-rated Eugene mortgage broker with 4.9 stars from 71 glowing reviews.
911 Country Club Rd #390, Eugene, OR 97401, USA
Earns a perfect 5.0-star rating from 67 local Google reviews.
1140 Willagillespie Rd Ste 13, Eugene, OR 97401, USA
Earned a perfect 5.0-star rating from 49 Google reviews in Eugene.
1400 Executive Pkwy #300, Eugene, OR 97401, USA
Earns a perfect 5.0-star rating from 37 local Google reviews.
2911 Tennyson Ave Suite 304, Eugene, OR 97408, USA
5.0-star mortgage broker in Eugene with dozens of glowing Google reviews.
2725 Delta Oaks Dr, Eugene, OR 97408, USA
Rated 5.0 stars from 15 Google reviews, this Eugene mortgage broker is highly trusted.
678 Country Club Rd, Eugene, OR 97401, USA
Earned a perfect 5.0-star rating from over 130 Google reviews.
1126 Crenshaw Rd, Eugene, OR 97401, USA
Earned a 4.9-star rating from 78 Google reviews, reflecting exceptional local client satisfaction.
1500 Valley River Dr #190, Eugene, OR 97401, USA
Rated 5.0 stars from 60 reviews on Google by local clients.
1600 Valley River Dr #330, Eugene, OR 97401, USA
Earned a 4.9-star rating from 55 Google reviews, reflecting exceptional client satisfaction.
440 E Broadway Suite 140, Eugene, OR 97401, USA
5.0 stars from 10 Google reviews, reflecting exceptional local client satisfaction.
474 Willamette St, Eugene, OR 97401, USA
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Mortgage Brokers in Eugene, OR — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Summit Funding, Inc. | 88/100 | 5.0 ★ | 1,088 |
| 2 | Eugene Mortgage Brokers | 94/100 | 4.9 ★ | 106 |
| 3 | Guild Mortgage - Ladelle White | 88/100 | 5.0 ★ | 215 |
| 4 | Guild Mortgage Company | 63/100 | 4.3 ★ | 22 |
| 5 | Paramount Mortgage Company | 85/100 | 5.0 ★ | 141 |
| 6 | Summer Freeman- Mortgage Marketplace, NMLS# 360504 | 83/100 | 5.0 ★ | 97 |
| 7 | Western Mortgage Brokers, Inc. | 71/100 | 4.7 ★ | 26 |
| 8 | American Pacific Mortgage | 82/100 | 4.9 ★ | 100 |
| 9 | Strategic Mortgage Solutions | 80/100 | 4.9 ★ | 71 |
| 10 | Stepping Stone Mortgage | 81/100 | 5.0 ★ | 67 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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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: July 4, 2026.
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