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24-Hour Mortgage Brokers in Lake Oswego, OR — Always Available
Emergencies don't keep business hours. These mortgage brokers in Lake Oswego are available 24 hours a day, 7 days a week — including holidays.
As of May 2026, RatingsNearMe ranks 17 mortgage brokers in Lake Oswego, OR by verified customer ratings and review volume. The highest-rated is Union Home Mortgage with a 4.9-star rating from 479 verified reviews. Also in the top tier: Oswego Mortgage - VA Home Loan Experts. and PrimeLending, A PlainsCapital Company - Lake Oswego. The average rating across all listed mortgage brokers in Lake Oswego is 4.9 stars from 117 reviews per business on average.
Mortgage brokers in Lake Oswego: 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
17
Businesses listed
4.9★
Avg rating
117
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Union Home Mortgage
2 Centerpointe Dr #320, Lake Oswego, OR 97035, USA
Oswego Mortgage - VA Home Loan Experts.
16500 Boones Ferry Rd Suite 106, Lake Oswego, OR 97035, USA
PrimeLending, A PlainsCapital Company - Lake Oswego
15070 Bangy Rd, Lake Oswego, OR 97035, USA
Mortgage Brokers Rankings in Lake Oswego, OR
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Union Home Mortgage2 Centerpointe Dr #320, Lake Oswego, OR 97035, USA | 4.9★ | 479 |
| #2 | Oswego Mortgage - VA Home Loan Experts.16500 Boones Ferry Rd Suite 106, Lake Oswego, OR 97035, USA | 4.9★ | 268 |
| #3 | PrimeLending, A PlainsCapital Company - Lake Oswego15070 Bangy Rd, Lake Oswego, OR 97035, USA | 5.0★ | 225 |
| #4 | Dylan Bird | Mortgage Broker525 3rd St Suite 200, Lake Oswego, OR 97034, USA | 5.0★ | 200 |
| #5 | Lions Capital Mortgage, Inc.135 A Ave, Lake Oswego, OR 97034, USA | 5.0★ | 94 |
| #6 | Fairway Independent Mortgage Corporation5285 Meadows Rd #290, Lake Oswego, OR 97035, USA | 5.0★ | 122 |
| #7 | The Hanna Team @ Directors Mortgage4550 Kruse Way #275, Lake Oswego, OR 97035, USA | 4.9★ | 36 |
| #8 | Michael Sullivan, Mortgage Broker525 3rd St Suite 103, Lake Oswego, OR 97034, USA | 5.0★ | 33 |
| #9 | Simplify Mortgage333 S State St Ste V402, Lake Oswego, OR 97034, USA | 5.0★ | 60 |
| #10 | Guild Mortgage - Jennifer Kelly4800 Meadows Rd #135, Lake Oswego, OR 97035, USA | 5.0★ | 91 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Lake Oswego
Dylan Bird | Mortgage Broker
525 3rd St Suite 200, Lake Oswego, OR 97034, USA
Lions Capital Mortgage, Inc.
135 A Ave, Lake Oswego, OR 97034, USA
Fairway Independent Mortgage Corporation
5285 Meadows Rd #290, Lake Oswego, OR 97035, USA
The Hanna Team @ Directors Mortgage
4550 Kruse Way #275, Lake Oswego, OR 97035, USA
Michael Sullivan, Mortgage Broker
525 3rd St Suite 103, Lake Oswego, OR 97034, USA
Simplify Mortgage
333 S State St Ste V402, Lake Oswego, OR 97034, USA
Guild Mortgage - Jennifer Kelly
4800 Meadows Rd #135, Lake Oswego, OR 97035, USA
The Eckard Team at PrimeLending
5800 Meadows Rd #160, Lake Oswego, OR 97035, USA
Directors Mortgage
4550 Kruse Way Suite #275, Lake Oswego, OR 97035, USA
Guild Mortgage Company
4800 Meadows Rd #135, Lake Oswego, OR 97035, USA
Willamette Falls Financial
4800 Meadows Rd #300, Lake Oswego, OR 97035, USA
Eric Dunlap at Portland Loan Team LLC - MLO#169062
5959 Suncreek Dr, Lake Oswego, OR 97035, USA
Northwest Private Lending
17125 Boones Ferry Rd, Lake Oswego, OR 97035, USA
Yumi Lynch - Vantage Mortgage Brokers NMLS 252022
17040 Pilkington Rd #300, Lake Oswego, OR 97035, USA
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Frequently Asked Questions — Mortgage Brokers in Lake Oswego
What does a mortgage broker do differently than going directly to a bank in Lake Oswego?
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 Lake Oswego?
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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