Best Mortgage in Oregon

Home purchase loans, refinancing, and home equity products from top mortgage lenders. In Oregon, personal loans are capped at 36% APR for licensed consumer lenders, overseen by the Oregon Division of Financial Regulation.

Oregon Lending Overview

Personal Loan APR cap

36%

Median Home Price

$487,000

Median Household Income

$77,000

Avg Student Debt

$38,036

State Regulator

Oregon Division of Financial Regulation

Notable law: Oregon capped consumer loan APRs at 36% in 2007, one of the earliest state-level rate cap laws, and further tightened payday loan fee limits to $10 per $100 borrowed.

8 Mortgage Lenders serving Oregon

Best Egg

Mortgage

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of Oregon

Apply at Best Egg

Better Mortgage

Mortgage

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of Oregon

Apply at Better Mortgage

Bluevine

Mortgage

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of Oregon

Apply at Bluevine

Capital One Auto

Mortgage

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of Oregon

Apply at Capital One Auto

Earnest

Mortgage

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of Oregon

Apply at Earnest

LightStream

Mortgage

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Oregon

Apply at LightStream

LightStream Auto

Mortgage

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Oregon

Apply at LightStream Auto

OnDeck

Mortgage

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of Oregon

Apply at OnDeck

Oregon Lending Laws

Oregon capped consumer loan APRs at 36% in 2007, one of the earliest state-level rate cap laws, and further tightened payday loan fee limits to $10 per $100 borrowed.

The primary regulator for consumer lending in Oregon is the Oregon Division of Financial Regulation. Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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