2025 · Oregon
Most active investment-property lenders in Oregon
In 2025, 4,681 investment-property loans were originated on single-family 1-4 unit homes in Oregon. These are the lenders that wrote the most of them, by HMDA-reported volume.
Oregon lender rankings
| # | Lender | Focus | Originations | Volume | Biz-purpose |
|---|---|---|---|---|---|
| 1 | United Shore Financial Services, LLC | DSCR / biz | 236 | $84M | 100% |
| 2 | The Loan Store, Inc. | Conventional | 147 | $58M | 16% |
| 3 | Onpoint Community Credit Union | DSCR / biz | 135 | $43M | 92% |
| 4 | Guild Mortgage Company | DSCR / biz | 134 | $42M | 100% |
| 5 | Newrez LLC | Mixed | 122 | $47M | 69% |
| 6 | Pennymac Loan Services, LLC | DSCR / biz | 121 | $49M | 100% |
| 7 | Homexpress Mortgage Corp. | DSCR / biz | 115 | $47M | 100% |
| 8 | Rocket Mortgage, LLC | Conventional | 109 | $37M | 1% |
| 9 | Crosscountry Mortgage, Inc. | DSCR / biz | 101 | $42M | 100% |
| 10 | Merchants Mortgage & Trust Corporation, LLC | DSCR / biz | 99 | $34M | 100% |
Lenders with at least 10 reported investor originations in Oregon, top 10.
How investors borrow in Oregon
The rate premium, denial rate, and DSCR share in Oregon — Investor Financing Report.
Where Oregon cash-flows
Gross rental yield and top metros in Oregon — Best Cash-Flow Markets.
Frequently asked questions
Who are the most active investment-property lenders in Oregon?
By 2025 HMDA-reported volume, the most active investment-property (single-family 1-4 unit) lenders in Oregon were United Shore Financial Services, LLC (236 originations), The Loan Store, Inc. (147), and Onpoint Community Credit Union (135). 4,681 investor loans were originated statewide.
Which Oregon lenders focus on DSCR / business-purpose loans?
Lenders whose Oregon investor loans are mostly business- or commercial-purpose (the DSCR/LLC bucket) include United Shore Financial Services, LLC, Onpoint Community Credit Union, Guild Mortgage Company, Pennymac Loan Services, LLC. Each lender's mix is flagged in the table.
Is this a ranking of the best lenders?
No — it ranks HMDA-reported origination volume, not rate, service, or terms. HMDA omits non-reporting private/hard-money lenders and under-captures business-purpose loans. Use it as a research starting point, not a recommendation.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Most active by reported volume, not a quality ranking. Lender names resolved from the 2024 HMDA filers registry (LEIs are stable across years) with a GLEIF fallback. The 2025 HMDA institution registry was not yet published at build time.