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24-Hour Mortgage Brokers in Oregon City, OR — Always Available
Emergencies don't keep business hours. These mortgage brokers in Oregon City are available 24 hours a day, 7 days a week — including holidays.
As of May 2026, RatingsNearMe ranks 13 mortgage brokers in Oregon City, OR by verified customer ratings and review volume. The highest-rated is Knight Financial - A Division of American Pacific Mortgage with a 5.0-star rating from 244 verified reviews. Also in the top tier: Mortgage Marketplace LLC - Mike Gillett, NMLS# 362285 and High Lakes Lending, LLC. The average rating across all listed mortgage brokers in Oregon City is 4.8 stars from 63 reviews per business on average.
Mortgage brokers in Oregon City: 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
13
Businesses listed
4.8★
Avg rating
63
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Knight Financial - A Division of American Pacific Mortgage
385 NW Harrison Blvd, Corvallis, OR 97330, USA
Mortgage Marketplace LLC - Mike Gillett, NMLS# 362285
3723 Fairview Industrial Dr SE Suite 190, Salem, OR 97302, USA
High Lakes Lending, LLC
2755 NW Crossing Dr Suite 229, Bend, OR 97703, USA
Mortgage Brokers Rankings in Oregon City, OR
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Knight Financial - A Division of American Pacific Mortgage385 NW Harrison Blvd, Corvallis, OR 97330, USA | 5.0★ | 244 |
| #2 | Mortgage Marketplace LLC - Mike Gillett, NMLS# 3622853723 Fairview Industrial Dr SE Suite 190, Salem, OR 97302, USA | 4.9★ | 58 |
| #3 | High Lakes Lending, LLC2755 NW Crossing Dr Suite 229, Bend, OR 97703, USA | 5.0★ | 152 |
| #4 | Mortgage Solutions Financial Oregon City900 Main St #106, Oregon City, OR 97045, USA | 4.5★ | 17 |
| #5 | Freestone Mortgage LLC704 Main St Suite #200, Oregon City, OR 97045, USA | 5.0★ | 25 |
| #6 | Landmark Professional Mortgage Company - Lincoln City, Oregon2730 NE Hwy 101, Lincoln City, OR 97367, USA | 5.0★ | 44 |
| #7 | Larry H Morris - Mortgage Solutions Financial NMLS 150073900 Main St #106, Oregon City, OR 97045, USA | 4.9★ | 24 |
| #8 | Turn Key Mortgage725 Portland Ave, Gladstone, OR 97027, USA | 4.9★ | 40 |
| #9 | Andrew Heath, Sr Mortgage Broker704 Main St Suite #200, Oregon City, OR 97045, USA | — | — |
| #10 | Evergreen Home Loans Lincoln City NMLS 14847252219 NW U.S. 101, Lincoln City, OR 97367, USA | 5.0★ | 33 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Oregon City
Mortgage Solutions Financial Oregon City
900 Main St #106, Oregon City, OR 97045, USA
Freestone Mortgage LLC
704 Main St Suite #200, Oregon City, OR 97045, USA
Landmark Professional Mortgage Company - Lincoln City, Oregon
2730 NE Hwy 101, Lincoln City, OR 97367, USA
Larry H Morris - Mortgage Solutions Financial NMLS 150073
900 Main St #106, Oregon City, OR 97045, USA
Turn Key Mortgage
725 Portland Ave, Gladstone, OR 97027, USA
Andrew Heath, Sr Mortgage Broker
704 Main St Suite #200, Oregon City, OR 97045, USA
Evergreen Home Loans Lincoln City NMLS 1484725
2219 NW U.S. 101, Lincoln City, OR 97367, USA
Eastbank Mortgage - Michelle DeTour NLMS 370067
10121 SE Sunnyside Rd #300, Clackamas, OR 97015, USA
Commercial Lending Group, Inc.
704 Main St Suite #200, Oregon City, OR 97045, USA
Adam Moshofsky
10260 SW Greenburg Rd #830, Portland, OR 97223, USA
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Frequently Asked Questions — Mortgage Brokers in Oregon City
What does a mortgage broker do differently than going directly to a bank in Oregon City?
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 Oregon City?
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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