Top Mortgage Lenders in the Lincoln City, OR area

Which mortgage lender in the Lincoln City, 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 Lincoln City, 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 Lincoln City, OR area is Bank of America, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.11%. This means that Bank of America provided a -0.11% lower interest rate for its customers than other lenders in Lincoln City, OR for a similar set of borrowers. Bank of America has a market share of 2.7%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 13.4%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.04% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Lincoln City, 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 Lincoln City, OR is Bank of America. 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 Bank of America. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Caliber Home Loans Inc. The cheapest VA mortgage provider is Stearns Lending. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.11% 2.69%
OnPoint Community Credit Union 2, -0.10% 2.55%
LoanDepot 3, -0.08% 2.91%
Caliber Home Loans Inc 4, -0.05% 8.95%
Us Bank 5, -0.04% 7.21%
JPMorgan Chase Bank 6, -0.03% 2.98%
Usaa Federal Savings Bank 7, -0.03% 2.69%
Stearns Lending 8, -0.03% 2.62%
Columbia State Bank 9, -0.03% 2.26%
Flagstar Bank 10, -0.02% 3.64%
Wells Fargo Bank 11, -0.02% 6.99%
Fairway Independent Mort Corp 12, -0.00% 2.33%
Umpqua Bank 13, -0.00% 7.86%
Movement Mortgage 14, 0.02% 3.49%
Sierra Pacific Mortgage 15, 0.03% 3.86%
Quicken Loans 16, 0.04% 13.39%
Guild Mortgage Company 17, 0.05% 10.48%
Evergreen Moneysource Mortgage Company 18, 0.06% 7.57%
Finance of America Mortgage 19, 0.06% 2.98%
Directors Mortgage, Inc 20, 0.07% 2.55%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.13% 3.57%
OnPoint Community Credit Union 2, -0.11% 3.21%
Wells Fargo Bank 3, -0.09% 6.54%
Us Bank 4, -0.07% 4.88%
JPMorgan Chase Bank 5, -0.05% 2.62%
Columbia State Bank 6, -0.04% 1.19%
Caliber Home Loans Inc 7, -0.04% 9.39%
Umpqua Bank 8, -0.04% 7.97%
Usaa Federal Savings Bank 9, -0.04% 2.73%
Stearns Lending 10, -0.03% 2.73%
LoanDepot 11, -0.03% 1.19%
Flagstar Bank 12, -0.01% 4.64%
Fairway Independent Mort Corp 13, 0.03% 2.38%
Movement Mortgage 14, 0.03% 4.99%
Quicken Loans 15, 0.03% 8.09%
Sierra Pacific Mortgage 16, 0.05% 4.16%
Evergreen Moneysource Mortgage Company 17, 0.06% 8.92%
Guild Mortgage Company 18, 0.08% 13.32%
Directors Mortgage, Inc 19, 0.08% 3.69%
Finance of America Mortgage 20, 0.09% 3.80%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
LoanDepot 1, -0.10% 5.63%
Caliber Home Loans Inc 2, -0.07% 8.26%
OnPoint Community Credit Union 3, -0.06% 1.50%
Flagstar Bank 4, -0.05% 2.06%
Fairway Independent Mort Corp 5, -0.05% 2.25%
Finance of America Mortgage 6, -0.04% 1.69%
Guild Mortgage Company 7, -0.03% 6.00%
Bank of America 8, -0.03% 1.31%
Columbia State Bank 9, -0.02% 3.94%
Us Bank 10, -0.02% 10.88%
Movement Mortgage 11, -0.02% 1.13%
Stearns Lending 12, -0.02% 2.44%
Usaa Federal Savings Bank 13, -0.01% 2.63%
Directors Mortgage, Inc 14, -0.01% 0.75%
Sierra Pacific Mortgage 15, -0.01% 3.38%
JPMorgan Chase Bank 16, -0.00% 3.56%
Quicken Loans 17, 0.04% 21.76%
Evergreen Moneysource Mortgage Company 18, 0.05% 5.44%
Umpqua Bank 19, 0.06% 7.69%
Wells Fargo Bank 20, 0.07% 7.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.13% 2.84%
OnPoint Community Credit Union 2, -0.10% 3.21%
LoanDepot 3, -0.10% 2.47%
Caliber Home Loans Inc 4, -0.06% 8.25%
Usaa Federal Savings Bank 5, -0.05% 2.11%
Us Bank 6, -0.04% 8.25%
JPMorgan Chase Bank 7, -0.03% 3.39%
Columbia State Bank 8, -0.03% 2.47%
Flagstar Bank 9, -0.03% 3.21%
Stearns Lending 10, -0.02% 2.29%
Wells Fargo Bank 11, -0.02% 7.79%
Fairway Independent Mort Corp 12, -0.01% 2.29%
Umpqua Bank 13, -0.00% 8.07%
Movement Mortgage 14, 0.03% 3.21%
Sierra Pacific Mortgage 15, 0.04% 4.22%
Quicken Loans 16, 0.04% 14.30%
Evergreen Moneysource Mortgage Company 17, 0.06% 6.69%
Guild Mortgage Company 18, 0.07% 10.27%
Finance of America Mortgage 19, 0.08% 2.75%
Directors Mortgage, Inc 20, 0.09% 1.92%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.15% 3.85%
OnPoint Community Credit Union 2, -0.11% 4.15%
Wells Fargo Bank 3, -0.11% 7.08%
Us Bank 4, -0.09% 5.38%
JPMorgan Chase Bank 5, -0.06% 3.08%
Usaa Federal Savings Bank 6, -0.06% 2.31%
Columbia State Bank 7, -0.06% 1.08%
Umpqua Bank 8, -0.05% 8.15%
LoanDepot 9, -0.04% 1.08%
Caliber Home Loans Inc 10, -0.04% 9.38%
Stearns Lending 11, -0.03% 2.00%
Flagstar Bank 12, -0.01% 3.85%
Fairway Independent Mort Corp 13, 0.03% 2.46%
Quicken Loans 14, 0.03% 8.46%
Movement Mortgage 15, 0.04% 4.92%
Evergreen Moneysource Mortgage Company 16, 0.06% 7.54%
Sierra Pacific Mortgage 17, 0.06% 4.46%
Guild Mortgage Company 18, 0.10% 14.15%
Finance of America Mortgage 19, 0.11% 4.00%
Directors Mortgage, Inc 20, 0.12% 2.62%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
LoanDepot 1, -0.13% 4.54%
Caliber Home Loans Inc 2, -0.09% 6.58%
Fairway Independent Mort Corp 3, -0.07% 2.04%
Flagstar Bank 4, -0.07% 2.27%
OnPoint Community Credit Union 5, -0.07% 1.81%
Finance of America Mortgage 6, -0.06% 0.91%
Bank of America 7, -0.03% 1.36%
Columbia State Bank 8, -0.03% 4.54%
Guild Mortgage Company 9, -0.03% 4.54%
Usaa Federal Savings Bank 10, -0.02% 1.81%
Us Bank 11, -0.02% 12.47%
Stearns Lending 12, -0.02% 2.72%
Directors Mortgage, Inc 13, -0.02% 0.91%
Sierra Pacific Mortgage 14, -0.01% 3.85%
Movement Mortgage 15, -0.00% 0.68%
JPMorgan Chase Bank 16, -0.00% 3.85%
Quicken Loans 17, 0.04% 22.90%
Evergreen Moneysource Mortgage Company 18, 0.06% 5.44%
Umpqua Bank 19, 0.06% 7.94%
Wells Fargo Bank 20, 0.07% 8.84%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.05% 13.43%
Sierra Pacific Mortgage 2, -0.03% 3.73%
Movement Mortgage 3, -0.03% 6.72%
Bank of America 4, -0.02% 1.49%
Umpqua Bank 5, -0.02% 6.72%
Guild Mortgage Company 6, -0.02% 11.94%
Flagstar Bank 7, -0.01% 8.21%
Stearns Lending 8, -0.00% 3.73%
Fairway Independent Mort Corp 9, -0.00% 3.73%
Quicken Loans 10, 0.00% 11.94%
Finance of America Mortgage 11, 0.02% 6.72%
LoanDepot 12, 0.02% 1.49%
Directors Mortgage, Inc 13, 0.04% 7.46%
Evergreen Moneysource Mortgage Company 14, 0.07% 12.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.08% 9.62%
Movement Mortgage 2, -0.04% 6.73%
Sierra Pacific Mortgage 3, -0.04% 4.81%
Bank of America 4, -0.03% 1.92%
Umpqua Bank 5, -0.03% 8.65%
Fairway Independent Mort Corp 6, -0.02% 1.92%
Guild Mortgage Company 7, -0.02% 10.58%
Flagstar Bank 8, -0.01% 9.62%
Stearns Lending 9, -0.00% 4.81%
LoanDepot 10, 0.01% 0.96%
Quicken Loans 11, 0.01% 9.62%
Finance of America Mortgage 12, 0.03% 5.77%
Directors Mortgage, Inc 13, 0.04% 9.62%
Evergreen Moneysource Mortgage Company 14, 0.07% 15.38%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.02% 20.00%
Guild Mortgage Company 2, -0.01% 16.67%
Caliber Home Loans Inc 3, -0.01% 26.67%
Movement Mortgage 4, -0.01% 6.67%
Finance of America Mortgage 5, 0.01% 10.00%
Evergreen Moneysource Mortgage Company 6, 0.01% 3.33%
Fairway Independent Mort Corp 7, 0.02% 10.00%
Flagstar Bank 8, 0.04% 3.33%
LoanDepot 9, 0.04% 3.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.01% 16.00%
Wells Fargo Bank 2, -0.00% 24.00%
Us Bank 3, -0.00% 28.00%
JPMorgan Chase Bank 4, 0.00% 16.00%
Columbia State Bank 5, 0.00% 4.00%
Fairway Independent Mort Corp 6, 0.02% 4.00%
Caliber Home Loans Inc 7, 0.03% 8.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.02% 16.67%
Wells Fargo Bank 2, -0.00% 27.78%
Columbia State Bank 3, 0.00% 5.56%
Us Bank 4, 0.00% 22.22%
JPMorgan Chase Bank 5, 0.00% 11.11%
Fairway Independent Mort Corp 6, 0.01% 5.56%
Caliber Home Loans Inc 7, 0.03% 11.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.01% 14.29%
Us Bank 2, -0.00% 42.86%
JPMorgan Chase Bank 3, 0.00% 28.57%
Bank of America 4, 0.01% 14.29%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stearns Lending 1, -0.05% 4.84%
LoanDepot 2, -0.04% 8.87%
Caliber Home Loans Inc 3, -0.04% 10.48%
Us Bank 4, -0.02% 1.61%
Guild Mortgage Company 5, -0.02% 12.90%
Columbia State Bank 6, -0.01% 2.42%
Wells Fargo Bank 7, -0.01% 4.03%
Finance of America Mortgage 8, -0.00% 1.61%
Fairway Independent Mort Corp 9, 0.00% 0.81%
Flagstar Bank 10, 0.00% 3.23%
Sierra Pacific Mortgage 11, 0.00% 1.61%
Usaa Federal Savings Bank 12, 0.01% 11.29%
Movement Mortgage 13, 0.02% 3.23%
Quicken Loans 14, 0.03% 9.68%
Evergreen Moneysource Mortgage Company 15, 0.03% 11.29%
Umpqua Bank 16, 0.03% 8.87%
Directors Mortgage, Inc 17, 0.06% 3.23%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stearns Lending 1, -0.06% 7.25%
Caliber Home Loans Inc 2, -0.05% 8.70%
Us Bank 3, -0.02% 2.90%
Wells Fargo Bank 4, -0.02% 5.80%
Columbia State Bank 5, -0.01% 2.90%
LoanDepot 6, -0.01% 2.90%
Quicken Loans 7, -0.01% 4.35%
Sierra Pacific Mortgage 8, -0.00% 1.45%
Fairway Independent Mort Corp 9, -0.00% 1.45%
Flagstar Bank 10, -0.00% 5.80%
Usaa Federal Savings Bank 11, 0.00% 11.59%
Guild Mortgage Company 12, 0.01% 13.04%
Umpqua Bank 13, 0.01% 7.25%
Movement Mortgage 14, 0.02% 4.35%
Evergreen Moneysource Mortgage Company 15, 0.04% 14.49%
Directors Mortgage, Inc 16, 0.06% 5.80%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.04% 12.73%
LoanDepot 2, -0.04% 16.36%
Caliber Home Loans Inc 3, -0.02% 12.73%
Columbia State Bank 4, -0.01% 1.82%
Stearns Lending 5, -0.01% 1.82%
Movement Mortgage 6, -0.00% 1.82%
Evergreen Moneysource Mortgage Company 7, 0.00% 7.27%
Finance of America Mortgage 8, 0.00% 3.64%
Sierra Pacific Mortgage 9, 0.01% 1.82%
Wells Fargo Bank 10, 0.01% 1.82%
Usaa Federal Savings Bank 11, 0.01% 10.91%
Quicken Loans 12, 0.05% 16.36%
Umpqua Bank 13, 0.06% 10.91%

* Data is compiled for the Lincoln City, OR commuting zone area, which comprises of counties of Lincoln County, OR, and Tillamook County, OR. This includes cities/towns/communities of Lincoln City, OR as well as Newport, OR, Waldport, OR, Tillamook, OR, Pacific City, OR, Bayside Gardens, OR, Rockaway Beach, OR, Lincoln Beach, OR, Toledo, OR, Netarts, OR, Depoe Bay, OR, Rose Lodge, OR, Yachats, OR, Bay City, OR, and Siletz, 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.

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