Top 3 Mortgage Lenders in Florence

Oregon Community Credit Union maintains a strong physical presence in Florence with a dedicated branch location, making them highly accessible for local residents. They consistently receive exceptional ratings for personalized service and competitive mortgage rates, particularly for first-time homebuyers. As a member-owned financial institution, they prioritize customer satisfaction over profit margins and offer comprehensive mortgage counseling. Their loan officers have extensive knowledge of the Oregon coast real estate market and provide tailored solutions for Florence's unique housing landscape.

Umpqua Bank has a significant physical branch presence in Florence and serves as one of the primary mortgage lenders for the central Oregon coast region. They receive high marks for their local decision-making capabilities and streamlined application process. Their mortgage specialists have deep roots in the Florence community and understand the specific challenges of coastal property financing. Umpqua is particularly noted for their responsive customer service and flexible underwriting approach for self-employed borrowers and unique property types common in the area.

While based in Eugene, Guild Mortgage maintains an active lending presence throughout Lane County including Florence, with loan officers who regularly service the coastal community. They receive outstanding reviews for their expertise in government-backed loans and creative financing solutions for challenging scenarios. Guild is particularly recommended for their educational approach to the mortgage process and exceptional communication throughout the loan cycle. Their extensive experience with Oregon's varied property types, including coastal homes, makes them a top choice for Florence residents seeking reliable mortgage services.