Mortgage lenders in Polk County
2,020 mortgages were made in Polk County, Oregon, in 2025, by 245 lenders. The median rate their borrowers got was 6.750% on a median loan of $295,000. Of 2,665 decisions, 537 were denials — 20.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| MARION AND POLK SCHOOLS CREDIT UNION | 143 | 7.250% | $125,000 | 15.1% |
| Rocket Mortgage, LLC | 140 | 6.618% | $270,000 | 16.7% |
| Oregon State Credit Union | 129 | 7.500% | $95,000 | 11.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 109 | 6.490% | $365,000 | 9.9% |
| GUILD MORTGAGE COMPANY | 98 | 6.625% | $345,000 | 3.7% |
| ONPOINT COMMUNITY CREDIT UNION | 64 | 7.500% | $105,000 | 15.5% |
| Umpqua Bank | 55 | 8.000% | $155,000 | 32.5% |
| NATIONS DIRECT MORTGAGE, LLC | 45 | 6.615% | $405,000 | 0.0% |
| Synergy One Lending, Inc. | 44 | 6.250% | $410,000 | 8.3% |
| FIRST COMMUNITY | 43 | 5.500% | $165,000 | 21.8% |
| OREGON COMMUNITY | 41 | 7.750% | $75,000 | 18.5% |
| PENNYMAC LOAN SERVICES, LLC | 40 | 6.688% | $255,000 | 13.0% |
| DHI MORTGAGE COMPANY, LTD. | 38 | 5.500% | $480,000 | 13.6% |
| U.S. Bank National Association | 37 | 7.950% | $125,000 | 45.6% |
| Loandepot.Com, LLC | 37 | 6.990% | $305,000 | 9.8% |
| Fairway Independent Mortgage Corporation | 33 | 6.625% | $355,000 | 5.7% |
| MOVEMENT MORTGAGE, LLC | 30 | 6.844% | $355,000 | 5.7% |
| FREEDOM MORTGAGE CORPORATION | 27 | 6.250% | $345,000 | 16.2% |
| PLAZA HOME MORTGAGE, INC. | 27 | 6.375% | $365,000 | 22.9% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 26 | 7.438% | $150,000 | 32.5% |
| Mortgage Research Center, LLC | 25 | 6.250% | $435,000 | 24.2% |
| CMG MORTGAGE, INC. | 24 | 6.375% | $385,000 | 7.1% |
| NEWREZ LLC | 23 | 6.990% | $375,000 | 25.8% |
| UNION HOME MORTGAGE CORP. | 23 | 6.750% | $395,000 | 4.2% |
| Bank of America, National Association | 19 | 6.240% | $105,000 | 31.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 19 | 7.115% | $275,000 | 13.6% |
| SELCO COMMUNITY | 17 | 7.250% | $105,000 | 9.5% |
| NATIONSTAR MORTGAGE LLC | 17 | 8.625% | $85,000 | 15.0% |
| FIGURE LENDING LLC | 16 | 8.450% | $90,000 | 19.1% |
| KIND LENDING, LLC | 16 | 6.563% | $335,000 | 27.3% |
| LPMC, LLC | 15 | 6.500% | $415,000 | 6.3% |
| MORTGAGE EXPRESS, LLC | 15 | 6.375% | $365,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 13 | 8.600% | $125,000 | 44.4% |
| Wells Fargo Bank, National Association | 13 | 6.375% | $305,000 | 13.3% |
| GUARANTEED RATE, INC. | 12 | 6.625% | $315,000 | 7.1% |
| CHURCHILL MORTGAGE CORPORATION | 12 | 6.625% | $490,000 | 13.3% |
| Coastal Community Bank | 11 | 10.490% | $65,000 | 3.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 11 | 6.625% | $355,000 | 8.3% |
| ENVOY MORTGAGE, LTD | 11 | 6.625% | $405,000 | 8.3% |
| Broker Solutions, Inc. | 10 | 7.058% | $260,000 | 28.6% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 10 | 6.625% | $385,000 | 0.0% |
| Willamette Valley Bank | 10 | 6.470% | $405,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.125% | $445,000 | 9.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 10 | 6.375% | $395,000 | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 10 | 6.625% | $365,000 | 9.1% |
| ALLIANT CREDIT UNION | 10 | 7.750% | $140,000 | 9.1% |
| SPRING EQ, LLC | 9 | Under 10 loans | Under 10 loans | 68.8% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 66.7% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 55.0% |
| AgWest Farm Credit, FLCA | 9 | Under 10 loans | Under 10 loans | 21.4% |
| CALCON MUTUAL MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GO MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Rivermark Community | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 55.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Home Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 10.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TWINSTAR | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CANOPY MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Banner Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| KEYSTONE FUNDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 64.7% |
| Unitus Community Credit Union | 5 | Under 10 loans | Under 10 loans | 57.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 46.2% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| HERITAGE GROVE Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 4 | Under 10 loans | Under 10 loans | 60.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Federal | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON FEDERAL BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SCENIC OAKS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 82.4% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 83.3% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 58.3% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL PACIFIC FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OREGONIANS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 42.9% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Boeing Employees Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeStreet Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON STATE EMPLOYEES CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5493004T38NMC864VL66 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL WILLAMETTE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 85.7% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| PANORAMA MORTGAGE GROUP, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| iQ Credit Union | 1 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTORS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GESA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 1st Security Bank of Washington | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 66.7% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900RNV63A0TIZNK90 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RED CANOE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COLUMBIA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SAMMAMISH MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peak Residential Lending Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOOKOUT FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mountain Pacific Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mountain America Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 45 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Polk County
9 FDIC-insured branches from 6 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| U.S. Bank National Association | 2 | $218.4 million |
| Columbia Bank | 2 | $185.7 million |
| WaFd Bank | 2 | $149.1 million |
| JPMorgan Chase Bank, National Association | 1 | $183.9 million |
| Citizens Bank | 1 | $40.1 million |
| KeyBank National Association | 1 | $30.4 million |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.