Licensed · Lake Oswego
Licensed & Insured Mortgage Brokers in Lake Oswego, OR
Every mortgage brokers listed here carries proper licensing and insurance in OR. Protect yourself — always verify credentials before work begins.
As of July 2026, RatingsNearMe ranks 17 mortgage brokers in Lake Oswego, OR by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Union Home Mortgage with a 4.9-star rating from 479 Google reviews and an RNM Score of 87/100. 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 July 5, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Yumi Lynch - Vantage Mortgage Brokers NMLS 252022
Yumi Lynch is consistently top-ranked for her personalized service and deep local market expertise in Lake Oswego.
Most Reviewed
Guild Mortgage Company
A high number of reviews indicates broad customer experience and reliability, helping you gauge service consistency.
When choosing a mortgage broker in Lake Oswego, compare loan options and fees across multiple brokers, and prioritize those with strong local reputations and clear communication.
Local Market Snapshot
17
Businesses listed
4.9★
Avg rating
117
Avg reviews
Jul 5, 2026
Last updated
Top Rated Mortgage Brokers
4.9 stars from nearly 500 reviews for trusted mortgage guidance in Lake Oswego.
2 Centerpointe Dr #320, Lake Oswego, OR 97035, USATop-rated Lake Oswego mortgage broker with 4.9 stars from 268 reviews.
16500 Boones Ferry Rd Suite 106, Lake Oswego, OR 97035, USALake Oswego mortgage broker with a perfect 5.0 rating from over 200 reviews.
15070 Bangy Rd, Lake Oswego, OR 97035, USAMortgage 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 | Yumi Lynch - Vantage Mortgage Brokers NMLS 25202217040 Pilkington Rd #300, Lake Oswego, OR 97035, USA | 5.0★ | 26 |
| #5 | Fairway Independent Mortgage Corporation5285 Meadows Rd #290, Lake Oswego, OR 97035, USA | 5.0★ | 122 |
| #6 | Directors Mortgage4550 Kruse Way Suite #275, Lake Oswego, OR 97035, USA | 4.0★ | 49 |
| #7 | Dylan Bird | Mortgage Broker525 3rd St Suite 200, Lake Oswego, OR 97034, USA | 5.0★ | 200 |
| #8 | Lions Capital Mortgage, Inc.135 A Ave, Lake Oswego, OR 97034, USA | 5.0★ | 94 |
| #9 | The Hanna Team @ Directors Mortgage4550 Kruse Way #275, Lake Oswego, OR 97035, USA | 4.9★ | 36 |
| #10 | Michael Sullivan, Mortgage Broker525 3rd St Suite 103, Lake Oswego, OR 97034, USA | 5.0★ | 33 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Lake Oswego
Exceptional 5.0-star rating from 26 Google reviews for Lake Oswego mortgage services.
17040 Pilkington Rd #300, Lake Oswego, OR 97035, USA
Exceptional 5.0-star rating from over 120 Google reviews in Lake Oswego.
5285 Meadows Rd #290, Lake Oswego, OR 97035, USA
Trusted by 49 local clients, this Lake Oswego mortgage broker holds a solid 4.0-star rating.
4550 Kruse Way Suite #275, Lake Oswego, OR 97035, USA
5.0 stars from 200 Google reviews; consistently trusted by local clients.
525 3rd St Suite 200, Lake Oswego, OR 97034, USA
Top-rated mortgage broker in Lake Oswego with perfect 5.0 stars from 94 reviews.
135 A Ave, Lake Oswego, OR 97034, USA
Earned an exceptional 4.9-star rating from 36 local Google reviews.
4550 Kruse Way #275, Lake Oswego, OR 97035, USA
5.0 stars from 33 Google reviews for this Lake Oswego mortgage broker.
525 3rd St Suite 103, Lake Oswego, OR 97034, USA
Trusted by local clients with a 4.7-star rating from 14 reviews.
4800 Meadows Rd #135, Lake Oswego, OR 97035, USA
Exceptional 5.0-star rating from 60 Google reviews in Lake Oswego.
333 S State St Ste V402, Lake Oswego, OR 97034, USA
5.0-star mortgage broker in Lake Oswego with over 100 glowing reviews.
5959 Suncreek Dr, Lake Oswego, OR 97035, USA
Consistently rated 5.0 stars from 11 Google reviews in Lake Oswego.
4800 Meadows Rd #300, Lake Oswego, OR 97035, USA
Rated 5.0 stars from 97 Google reviews, this Lake Oswego mortgage broker is top-rated.
5800 Meadows Rd #160, Lake Oswego, OR 97035, USA
Over 90 five-star reviews highlight this Lake Oswego mortgage broker's trusted reputation.
4800 Meadows Rd #135, Lake Oswego, OR 97035, USA
Rated 5.0 stars from 77 Google reviews, a trusted local mortgage broker.
17125 Boones Ferry Rd, Lake Oswego, OR 97035, USA
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Mortgage Brokers in Lake Oswego, OR — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Union Home Mortgage | 87/100 | 4.9 ★ | 479 |
| 2 | Oswego Mortgage - VA Home Loan Experts. | 87/100 | 4.9 ★ | 268 |
| 3 | PrimeLending, A PlainsCapital Company - Lake Oswego | 88/100 | 5.0 ★ | 225 |
| 4 | Yumi Lynch - Vantage Mortgage Brokers NMLS 252022 | 76/100 | 5.0 ★ | 26 |
| 5 | Fairway Independent Mortgage Corporation | 84/100 | 5.0 ★ | 122 |
| 6 | Directors Mortgage | 63/100 | 4.0 ★ | 49 |
| 7 | Dylan Bird | Mortgage Broker | 87/100 | 5.0 ★ | 200 |
| 8 | Lions Capital Mortgage, Inc. | 83/100 | 5.0 ★ | 94 |
| 9 | The Hanna Team @ Directors Mortgage | 76/100 | 4.9 ★ | 36 |
| 10 | Michael Sullivan, Mortgage Broker | 77/100 | 5.0 ★ | 33 |
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 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: July 5, 2026.
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