Top Mortgage Lenders in Roseburg, OR

Which mortgage lender in the Roseburg, OR area typically has the best rates? To help you narrow down where to shop for a mortgage, provides an objective and data driven ranking of mortgage lenders operating in the Roseburg, OR area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Roseburg, OR area in terms of interest rate is First Community Credit Union Oregon, with an average “Rate Difference” of -0.28%. This means that, comparing similar borrowers, First Community Credit Union Oregon provided a -0.28% lower interest rate for its customers than other lenders in the area. First Community Credit Union Oregon has a market share of 6.8%. On the other hand, the most popular lender in the Roseburg, OR area is Umpqua Bank, with a larger market share of 20.3%. Umpqua Bank is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.07% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Roseburg, OR area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Roseburg, OR is First Community Credit Union Oregon. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Plaza Home Mortgage. The cheapest VA mortgage provider is Caliber Home Loans. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Roseburg, OR

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
First Community Credit Union Oregon-0.28%(5.0)6.83%
Plaza Home Mortgage-0.07%(4.0)2.36%
Caliber Home Loans-0.06%(4.0)9.40%
Banner Bank-0.05%(3.5)4.55%
Wells Fargo Bank-0.04%(3.5)2.52%
Northwest Community Credit Union-0.04%(3.5)2.65%
US Bank-0.03%(3.5)4.18%
American Pacific Mortgage0.00%(3.5)1.95%
Rogue Credit Union0.01%(3.5)2.90%
Flagstar Bank0.02%(3.5)2.65%
Summit Funding Inc0.03%(3.5)2.48%
GoPrime Mortgage Inc0.03%(3.5)4.80%
Stearns Home Loans0.05%(3.5)3.56%
Quicken Loans0.05%(3.5)10.80%
Guild Mortgage Company0.07%(3.0)10.84%
Umpqua Bank0.07%(3.0)20.28%
Finance of America Mortgage0.07%(3.0)2.61%
Lender NameRate DifferenceRate RatingMarket Share
First Community Credit Union Oregon-0.23%(4.5)4.92%
US Bank-0.12%(4.0)2.91%
Plaza Home Mortgage-0.09%(4.0)3.12%
Wells Fargo Bank-0.09%(4.0)2.63%
Caliber Home Loans-0.07%(4.0)10.46%
Rogue Credit Union-0.06%(4.0)2.91%
Banner Bank-0.05%(4.0)5.20%
American Pacific Mortgage-0.01%(3.5)2.56%
Northwest Community Credit Union0.00%(3.5)1.73%
Flagstar Bank0.01%(3.5)3.33%
Summit Funding Inc0.02%(3.5)3.81%
Quicken Loans0.03%(3.5)4.71%
GoPrime Mortgage Inc0.04%(3.5)5.20%
Stearns Home Loans0.05%(3.5)4.50%
Umpqua Bank0.05%(3.5)23.22%
Finance of America Mortgage0.08%(3.0)3.47%
Guild Mortgage Company0.11%(3.0)11.99%
Lender NameRate DifferenceRate RatingMarket Share
First Community Credit Union Oregon-0.31%(5.0)9.66%
Northwest Community Credit Union-0.06%(4.0)4.01%
Banner Bank-0.03%(3.5)3.60%
Caliber Home Loans-0.02%(3.5)7.81%
Guild Mortgage Company-0.01%(3.5)9.15%
Plaza Home Mortgage-0.01%(3.5)1.23%
Summit Funding Inc0.02%(3.5)0.51%
Flagstar Bank0.02%(3.5)1.64%
American Pacific Mortgage0.02%(3.5)1.03%
GoPrime Mortgage Inc0.02%(3.5)4.21%
Stearns Home Loans0.02%(3.5)2.16%
Wells Fargo Bank0.03%(3.5)2.36%
Finance of America Mortgage0.03%(3.5)1.34%
US Bank0.04%(3.5)6.06%
Quicken Loans0.06%(3.0)19.84%
Umpqua Bank0.11%(3.0)15.93%
Rogue Credit Union0.11%(3.0)2.88%
Lender NameRate DifferenceRate RatingMarket Share
First Community Credit Union Oregon-0.28%(5.0)10.49%
Northwest Community Credit Union-0.04%(3.5)3.41%
Wells Fargo Bank-0.04%(3.5)3.15%
US Bank-0.03%(3.5)5.86%
Caliber Home Loans-0.02%(3.5)8.24%
Banner Bank-0.02%(3.5)4.44%
American Pacific Mortgage-0.01%(3.5)1.35%
GoPrime Mortgage Inc0.01%(3.5)4.25%
Rogue Credit Union0.02%(3.5)3.60%
Plaza Home Mortgage0.02%(3.5)1.42%
Flagstar Bank0.03%(3.5)2.32%
Summit Funding Inc0.05%(3.5)1.48%
Stearns Home Loans0.05%(3.0)3.28%
Umpqua Bank0.08%(3.0)21.94%
Quicken Loans0.08%(3.0)11.07%
Finance of America Mortgage0.08%(3.0)2.19%
Guild Mortgage Company0.08%(3.0)8.49%
Lender NameRate DifferenceRate RatingMarket Share
First Community Credit Union Oregon-0.23%(4.5)7.76%
US Bank-0.14%(4.0)3.77%
Wells Fargo Bank-0.09%(4.0)3.10%
Rogue Credit Union-0.06%(4.0)3.66%
Caliber Home Loans-0.05%(3.5)10.53%
American Pacific Mortgage-0.03%(3.5)1.77%
Banner Bank0.00%(3.5)4.55%
Northwest Community Credit Union0.00%(3.5)2.33%
GoPrime Mortgage Inc0.01%(3.5)4.21%
Flagstar Bank0.02%(3.5)3.10%
Plaza Home Mortgage0.03%(3.5)1.77%
Quicken Loans0.04%(3.5)4.88%
Summit Funding Inc0.04%(3.5)2.33%
Umpqua Bank0.06%(3.0)26.27%
Stearns Home Loans0.06%(3.0)3.77%
Guild Mortgage Company0.09%(3.0)11.09%
Finance of America Mortgage0.09%(3.0)2.88%
Lender NameRate DifferenceRate RatingMarket Share
First Community Credit Union Oregon-0.31%(5.0)14.26%
Northwest Community Credit Union-0.07%(4.0)4.91%
Banner Bank-0.04%(3.5)4.29%
Plaza Home Mortgage-0.01%(3.5)0.92%
American Pacific Mortgage0.01%(3.5)0.77%
GoPrime Mortgage Inc0.02%(3.5)4.29%
Summit Funding Inc0.02%(3.5)0.31%
Stearns Home Loans0.03%(3.5)2.61%
Finance of America Mortgage0.03%(3.5)1.23%
Wells Fargo Bank0.03%(3.5)3.22%
US Bank0.04%(3.5)8.74%
Guild Mortgage Company0.04%(3.5)4.91%
Caliber Home Loans0.04%(3.5)5.06%
Flagstar Bank0.05%(3.5)1.23%
Quicken Loans0.10%(3.0)19.63%
Umpqua Bank0.11%(3.0)15.95%
Rogue Credit Union0.13%(3.0)3.53%
Lender NameRate DifferenceRate RatingMarket Share
Plaza Home Mortgage-0.17%(4.5)6.69%
Banner Bank-0.14%(4.0)6.13%
Caliber Home Loans-0.10%(4.0)11.14%
Flagstar Bank-0.01%(3.5)3.62%
US Bank-0.01%(3.5)0.56%
Wells Fargo Bank0.00%(3.5)0.56%
Quicken Loans0.00%(3.5)13.37%
Stearns Home Loans0.02%(3.5)5.29%
GoPrime Mortgage Inc0.02%(3.5)6.13%
Summit Funding Inc0.03%(3.5)5.01%
Umpqua Bank0.05%(3.0)14.21%
American Pacific Mortgage0.06%(3.0)2.51%
Guild Mortgage Company0.08%(3.0)16.99%
Finance of America Mortgage0.09%(3.0)5.01%
Lender NameRate DifferenceRate RatingMarket Share
Plaza Home Mortgage-0.18%(4.5)8.68%
Banner Bank-0.16%(4.5)7.55%
Caliber Home Loans-0.13%(4.0)10.94%
Flagstar Bank-0.02%(3.5)3.77%
US Bank-0.01%(3.5)0.75%
Wells Fargo Bank-0.00%(3.5)0.38%
Stearns Home Loans0.03%(3.5)6.04%
Quicken Loans0.03%(3.5)6.42%
Summit Funding Inc0.03%(3.5)6.42%
GoPrime Mortgage Inc0.04%(3.5)6.04%
Umpqua Bank0.05%(3.0)18.49%
American Pacific Mortgage0.07%(3.0)3.02%
Finance of America Mortgage0.10%(3.0)6.04%
Guild Mortgage Company0.11%(3.0)14.34%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.02%(3.5)11.70%
GoPrime Mortgage Inc-0.01%(3.5)6.38%
Banner Bank-0.01%(3.5)2.13%
Quicken Loans-0.01%(3.5)32.98%
Flagstar Bank-0.01%(3.5)3.19%
Stearns Home Loans-0.00%(3.5)3.19%
Wells Fargo Bank0.01%(3.5)1.06%
Plaza Home Mortgage0.01%(3.5)1.06%
Summit Funding Inc0.01%(3.5)1.06%
American Pacific Mortgage0.02%(3.5)1.06%
Guild Mortgage Company0.02%(3.5)24.47%
Umpqua Bank0.02%(3.5)2.13%
Finance of America Mortgage0.03%(3.5)2.13%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.01%(3.5)18.18%
Summit Funding Inc-0.01%(3.5)9.09%
Caliber Home Loans-0.01%(3.5)9.09%
US Bank-0.01%(3.5)9.09%
Umpqua Bank-0.00%(3.5)18.18%
First Community Credit Union Oregon0.00%(3.5)18.18%
Banner Bank0.03%(3.5)18.18%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.02%(3.5)14.29%
Summit Funding Inc-0.02%(3.5)14.29%
Umpqua Bank-0.01%(3.5)14.29%
Caliber Home Loans-0.01%(3.5)14.29%
First Community Credit Union Oregon0.01%(3.5)14.29%
Banner Bank0.03%(3.5)28.57%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.01%(3.5)25.00%
US Bank-0.01%(3.5)25.00%
First Community Credit Union Oregon0.00%(3.5)25.00%
Umpqua Bank0.01%(3.5)25.00%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.11%(4.0)11.79%
Wells Fargo Bank-0.06%(4.0)1.63%
Plaza Home Mortgage-0.05%(4.0)2.24%
Banner Bank-0.05%(3.5)3.46%
Rogue Credit Union-0.03%(3.5)2.85%
Quicken Loans-0.02%(3.5)8.33%
American Pacific Mortgage-0.02%(3.5)3.46%
Northwest Community Credit Union-0.01%(3.5)2.24%
Summit Funding Inc-0.01%(3.5)3.66%
US Bank0.00%(3.5)1.42%
Flagstar Bank0.02%(3.5)3.05%
Finance of America Mortgage0.02%(3.5)2.24%
Guild Mortgage Company0.04%(3.5)14.02%
Stearns Home Loans0.05%(3.0)3.25%
Umpqua Bank0.06%(3.0)19.51%
GoPrime Mortgage Inc0.09%(3.0)5.69%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.12%(4.0)9.67%
Plaza Home Mortgage-0.10%(4.0)2.23%
Banner Bank-0.08%(4.0)4.46%
Wells Fargo Bank-0.08%(4.0)2.97%
Rogue Credit Union-0.06%(4.0)3.35%
American Pacific Mortgage-0.04%(3.5)4.83%
Quicken Loans-0.03%(3.5)2.60%
Summit Funding Inc-0.03%(3.5)5.95%
US Bank-0.02%(3.5)2.23%
Northwest Community Credit Union-0.00%(3.5)1.49%
Finance of America Mortgage0.01%(3.5)2.97%
Umpqua Bank0.02%(3.5)17.84%
Flagstar Bank0.02%(3.5)3.72%
Stearns Home Loans0.04%(3.5)5.58%
GoPrime Mortgage Inc0.09%(3.0)7.81%
Guild Mortgage Company0.16%(2.5)13.01%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.09%(4.0)14.35%
Guild Mortgage Company-0.08%(4.0)15.25%
Flagstar Bank-0.02%(3.5)2.24%
Northwest Community Credit Union-0.01%(3.5)3.14%
Quicken Loans-0.00%(3.5)15.25%
Plaza Home Mortgage-0.00%(3.5)2.24%
Banner Bank0.00%(3.5)2.24%
Stearns Home Loans0.01%(3.5)0.45%
Summit Funding Inc0.02%(3.5)0.90%
Finance of America Mortgage0.03%(3.5)1.35%
American Pacific Mortgage0.03%(3.5)1.79%
Rogue Credit Union0.03%(3.5)2.24%
US Bank0.04%(3.5)0.45%
GoPrime Mortgage Inc0.06%(3.0)3.14%
Umpqua Bank0.10%(3.0)21.52%

* Data is compiled for the Roseburg, OR commuting zone area, which comprises of counties of Coos County, OR, and Douglas County, OR. This includes cities/towns/communities of Roseburg, OR as well as Coos Bay, OR, Sutherlin, OR, North Bend, OR, Winston, OR, Bandon, OR, Green, OR, Coquille, OR, Reedsport, OR, Lookingglass, OR, Myrtle Creek, OR, Roseburg North, OR, Lakeside, OR, Glide, OR, Myrtle Point, OR, Drain, OR, Tri-City, OR, Canyonville, OR, Yoncalla, OR, Barview, OR, and Glendale, OR. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings in Other Cities

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