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, we provide a data driven ranking of mortgage lenders in the Roseburg, OR area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Roseburg, OR area is First Community Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.28%. This means that First Community Credit Union provided a -0.28% lower interest rate for its customers than other lenders in Roseburg, OR for a similar set of borrowers. First Community Credit Union has a market share of 6.8%. On the other hand, the most popular lender in the market is Umpqua Bank, with a market share of 20.3%. Umpqua Bank is an average rate lender in this area, with a “Rate Difference” of +0.07% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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, the cheapest lender for Conventional mortgages in Roseburg, OR is First Community Credit Union. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), 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 Inc. The cheapest VA mortgage provider is Caliber Home Loans Inc. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Roseburg, OR

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Community Credit Union 1, -0.28% 6.81%
Plaza Home Mortgage Inc 2, -0.07% 2.35%
Caliber Home Loans Inc 3, -0.05% 9.37%
Banner Bank 4, -0.05% 4.54%
Wells Fargo Bank 5, -0.04% 2.52%
Usaa Federal Savings Bank 6, -0.04% 1.61%
Northwest Community Credit Union 7, -0.04% 2.64%
LoanDepot 8, -0.03% 3.01%
Us Bank 9, -0.03% 4.17%
American Pacific Mortgage Corporation 10, 0.00% 1.94%
Rogue Credit Union 11, 0.01% 2.89%
Flagstar Bank 12, 0.02% 2.64%
Summit Funding Inc 13, 0.03% 2.48%
GoPrime Mortgage Inc 14, 0.03% 4.79%
Stearns Lending 15, 0.05% 3.55%
Quicken Loans 16, 0.05% 10.94%
Umpqua Bank 17, 0.07% 20.27%
Guild Mortgage Company 18, 0.07% 10.86%
Finance of America Mortgage 19, 0.07% 2.60%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Community Credit Union 1, -0.23% 4.91%
Us Bank 2, -0.12% 2.90%
Plaza Home Mortgage Inc 3, -0.09% 3.11%
Wells Fargo Bank 4, -0.09% 2.63%
Caliber Home Loans Inc 5, -0.07% 10.44%
Usaa Federal Savings Bank 6, -0.06% 2.28%
Rogue Credit Union 7, -0.06% 2.90%
Banner Bank 8, -0.05% 5.18%
LoanDepot 9, -0.01% 1.04%
American Pacific Mortgage Corporation 10, -0.01% 2.56%
Northwest Community Credit Union 11, 0.00% 1.73%
Flagstar Bank 12, 0.01% 3.32%
Summit Funding Inc 13, 0.02% 3.80%
Quicken Loans 14, 0.03% 4.84%
GoPrime Mortgage Inc 15, 0.04% 5.18%
Umpqua Bank 16, 0.05% 23.22%
Stearns Lending 17, 0.05% 4.49%
Finance of America Mortgage 18, 0.08% 3.46%
Guild Mortgage Company 19, 0.11% 12.02%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Community Credit Union 1, -0.31% 9.64%
Northwest Community Credit Union 2, -0.06% 4.00%
Banner Bank 3, -0.03% 3.59%
LoanDepot 4, -0.03% 5.95%
Caliber Home Loans Inc 5, -0.02% 7.79%
Guild Mortgage Company 6, -0.01% 9.13%
Plaza Home Mortgage Inc 7, -0.01% 1.23%
Usaa Federal Savings Bank 8, 0.01% 0.62%
Summit Funding Inc 9, 0.02% 0.51%
Flagstar Bank 10, 0.02% 1.64%
American Pacific Mortgage Corporation 11, 0.02% 1.03%
GoPrime Mortgage Inc 12, 0.02% 4.21%
Stearns Lending 13, 0.02% 2.15%
Wells Fargo Bank 14, 0.03% 2.36%
Finance of America Mortgage 15, 0.03% 1.33%
Us Bank 16, 0.04% 6.05%
Quicken Loans 17, 0.06% 20.00%
Umpqua Bank 18, 0.10% 15.90%
Rogue Credit Union 19, 0.11% 2.87%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Community Credit Union 1, -0.28% 10.47%
LoanDepot 2, -0.06% 2.12%
Northwest Community Credit Union 3, -0.04% 3.40%
Wells Fargo Bank 4, -0.04% 3.15%
Us Bank 5, -0.03% 5.84%
Caliber Home Loans Inc 6, -0.02% 8.22%
Banner Bank 7, -0.02% 4.43%
American Pacific Mortgage Corporation 8, -0.01% 1.35%
Usaa Federal Savings Bank 9, -0.01% 0.90%
GoPrime Mortgage Inc 10, 0.01% 4.24%
Rogue Credit Union 11, 0.02% 3.60%
Plaza Home Mortgage Inc 12, 0.03% 1.41%
Flagstar Bank 13, 0.03% 2.31%
Summit Funding Inc 14, 0.05% 1.48%
Stearns Lending 15, 0.05% 3.28%
Umpqua Bank 16, 0.07% 21.97%
Quicken Loans 17, 0.08% 11.11%
Finance of America Mortgage 18, 0.08% 2.18%
Guild Mortgage Company 19, 0.08% 8.54%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Community Credit Union 1, -0.23% 7.73%
Us Bank 2, -0.14% 3.76%
Wells Fargo Bank 3, -0.09% 3.09%
Rogue Credit Union 4, -0.06% 3.65%
Caliber Home Loans Inc 5, -0.05% 10.50%
American Pacific Mortgage Corporation 6, -0.03% 1.77%
LoanDepot 7, -0.03% 0.88%
Usaa Federal Savings Bank 8, -0.02% 1.33%
Banner Bank 9, 0.00% 4.53%
Northwest Community Credit Union 10, 0.00% 2.32%
GoPrime Mortgage Inc 11, 0.01% 4.20%
Flagstar Bank 12, 0.02% 3.09%
Plaza Home Mortgage Inc 13, 0.03% 1.77%
Summit Funding Inc 14, 0.04% 2.32%
Quicken Loans 15, 0.05% 4.97%
Umpqua Bank 16, 0.05% 26.30%
Stearns Lending 17, 0.06% 3.76%
Guild Mortgage Company 18, 0.09% 11.16%
Finance of America Mortgage 19, 0.09% 2.87%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Community Credit Union 1, -0.31% 14.26%
Northwest Community Credit Union 2, -0.07% 4.91%
LoanDepot 3, -0.07% 3.83%
Banner Bank 4, -0.04% 4.29%
Plaza Home Mortgage Inc 5, -0.01% 0.92%
Usaa Federal Savings Bank 6, 0.01% 0.31%
American Pacific Mortgage Corporation 7, 0.01% 0.77%
GoPrime Mortgage Inc 8, 0.02% 4.29%
Summit Funding Inc 9, 0.02% 0.31%
Stearns Lending 10, 0.03% 2.61%
Finance of America Mortgage 11, 0.03% 1.23%
Wells Fargo Bank 12, 0.03% 3.22%
Us Bank 13, 0.04% 8.74%
Guild Mortgage Company 14, 0.04% 4.91%
Caliber Home Loans Inc 15, 0.04% 5.06%
Flagstar Bank 16, 0.05% 1.23%
Quicken Loans 17, 0.10% 19.63%
Umpqua Bank 18, 0.11% 15.95%
Rogue Credit Union 19, 0.13% 3.53%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Plaza Home Mortgage Inc 1, -0.17% 6.67%
Banner Bank 2, -0.14% 6.11%
Caliber Home Loans Inc 3, -0.10% 11.11%
Flagstar Bank 4, -0.01% 3.61%
LoanDepot 5, -0.01% 2.78%
Us Bank 6, -0.01% 0.56%
Quicken Loans 7, 0.00% 13.61%
Wells Fargo Bank 8, 0.00% 0.56%
Stearns Lending 9, 0.02% 5.28%
GoPrime Mortgage Inc 10, 0.02% 6.11%
Summit Funding Inc 11, 0.03% 5.00%
Umpqua Bank 12, 0.05% 14.17%
American Pacific Mortgage Corporation 13, 0.06% 2.50%
Guild Mortgage Company 14, 0.08% 16.94%
Finance of America Mortgage 15, 0.09% 5.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Plaza Home Mortgage Inc 1, -0.18% 8.65%
Banner Bank 2, -0.16% 7.52%
Caliber Home Loans Inc 3, -0.13% 10.90%
Flagstar Bank 4, -0.02% 3.76%
Us Bank 5, -0.01% 0.75%
Wells Fargo Bank 6, -0.00% 0.38%
Quicken Loans 7, 0.02% 6.77%
Stearns Lending 8, 0.03% 6.02%
LoanDepot 9, 0.03% 1.13%
Summit Funding Inc 10, 0.03% 6.39%
GoPrime Mortgage Inc 11, 0.04% 6.02%
Umpqua Bank 12, 0.05% 18.42%
American Pacific Mortgage Corporation 13, 0.07% 3.01%
Finance of America Mortgage 14, 0.10% 6.02%
Guild Mortgage Company 15, 0.11% 14.29%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.02% 11.70%
LoanDepot 2, -0.02% 7.45%
GoPrime Mortgage Inc 3, -0.01% 6.38%
Banner Bank 4, -0.01% 2.13%
Quicken Loans 5, -0.01% 32.98%
Flagstar Bank 6, -0.01% 3.19%
Stearns Lending 7, -0.00% 3.19%
Wells Fargo Bank 8, 0.01% 1.06%
Plaza Home Mortgage Inc 9, 0.01% 1.06%
Summit Funding Inc 10, 0.01% 1.06%
American Pacific Mortgage Corporation 11, 0.02% 1.06%
Guild Mortgage Company 12, 0.02% 24.47%
Umpqua Bank 13, 0.02% 2.13%
Finance of America Mortgage 14, 0.03% 2.13%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.01% 16.67%
Summit Funding Inc 2, -0.01% 8.33%
Quicken Loans 3, -0.01% 8.33%
Caliber Home Loans Inc 4, -0.01% 8.33%
Us Bank 5, -0.01% 8.33%
Umpqua Bank 6, 0.00% 16.67%
First Community Credit Union 7, 0.00% 16.67%
Banner Bank 8, 0.03% 16.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.02% 14.29%
Summit Funding Inc 2, -0.02% 14.29%
Umpqua Bank 3, -0.01% 14.29%
Caliber Home Loans Inc 4, -0.01% 14.29%
First Community Credit Union 5, 0.01% 14.29%
Banner Bank 6, 0.03% 28.57%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.01% 20.00%
Quicken Loans 2, -0.01% 20.00%
Us Bank 3, -0.00% 20.00%
First Community Credit Union 4, 0.00% 20.00%
Umpqua Bank 5, 0.02% 20.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.11% 11.76%
Usaa Federal Savings Bank 2, -0.07% 5.07%
Wells Fargo Bank 3, -0.06% 1.62%
Plaza Home Mortgage Inc 4, -0.05% 2.23%
Banner Bank 5, -0.05% 3.45%
Quicken Loans 6, -0.03% 8.52%
Rogue Credit Union 7, -0.03% 2.84%
American Pacific Mortgage Corporation 8, -0.02% 3.45%
LoanDepot 9, -0.02% 6.09%
Northwest Community Credit Union 10, -0.01% 2.23%
Summit Funding Inc 11, -0.01% 3.65%
Us Bank 12, 0.00% 1.42%
Flagstar Bank 13, 0.02% 3.04%
Finance of America Mortgage 14, 0.02% 2.23%
Guild Mortgage Company 15, 0.04% 14.00%
Stearns Lending 16, 0.06% 3.25%
Umpqua Bank 17, 0.06% 19.47%
GoPrime Mortgage Inc 18, 0.09% 5.68%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.12% 9.67%
Plaza Home Mortgage Inc 2, -0.10% 2.23%
Usaa Federal Savings Bank 3, -0.10% 7.81%
Banner Bank 4, -0.08% 4.46%
Wells Fargo Bank 5, -0.08% 2.97%
Rogue Credit Union 6, -0.06% 3.35%
American Pacific Mortgage Corporation 7, -0.04% 4.83%
Quicken Loans 8, -0.03% 2.60%
LoanDepot 9, -0.03% 1.49%
Summit Funding Inc 10, -0.03% 5.95%
Us Bank 11, -0.02% 2.23%
Northwest Community Credit Union 12, -0.00% 1.49%
Finance of America Mortgage 13, 0.01% 2.97%
Umpqua Bank 14, 0.02% 17.84%
Flagstar Bank 15, 0.03% 3.72%
Stearns Lending 16, 0.04% 5.58%
GoPrime Mortgage Inc 17, 0.09% 7.81%
Guild Mortgage Company 18, 0.16% 13.01%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.08% 14.29%
Guild Mortgage Company 2, -0.08% 15.18%
Flagstar Bank 3, -0.02% 2.23%
Northwest Community Credit Union 4, -0.01% 3.12%
Quicken Loans 5, -0.01% 15.62%
Plaza Home Mortgage Inc 6, -0.00% 2.23%
Banner Bank 7, 0.00% 2.23%
LoanDepot 8, 0.01% 11.61%
Stearns Lending 9, 0.01% 0.45%
Usaa Federal Savings Bank 10, 0.02% 1.79%
Summit Funding Inc 11, 0.02% 0.89%
Finance of America Mortgage 12, 0.03% 1.34%
American Pacific Mortgage Corporation 13, 0.03% 1.79%
Rogue Credit Union 14, 0.03% 2.23%
Us Bank 15, 0.04% 0.45%
GoPrime Mortgage Inc 16, 0.06% 3.12%
Umpqua Bank 17, 0.10% 21.43%

* 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 for the data comes from 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 based on the MSA, 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 for Other Cities

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