Less Stress. Fewer Surprises. Better Closings.
Proof is in the numbers—here's ours.
In a competitive market, performance matters. Here’s a snapshot of why real estate professionals continue to trust OnPoint with their clients’ mortgage needs.
#1 Mortgage provider in Oregon
OnPoint is the #1 mortgage provider among financial institutions in the state of Oregon, and the #1 retail lender in the Portland tri‑county area in 2025—a track record you and your clients can count on.
4 Days before close
On average, your clients’ loan documents are ready four days ahead of close of escrow, helping ensure organized, on‑time transactions and no last‑minute surprises.
60+ Dedicated loan officers
With over 60 Mortgage Loan Officers licensed in Oregon and Washington, many based locally in SW Washington, your clients receive responsive, market‑savvy guidance from application through closing.
8 SW Washington locations (and growing)
The opening of our Ridgefield Branch—our 8th location in SW Washington, with Camas coming soon, reinforces our long‑term investment in the local real estate community.
Additional rates
Terms | Rate | Annual percentage | Points | 1-month payment* |
|---|---|---|---|---|
| Learn more about mortgage purchase loans View mortgage refinance rates The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 Year adjustable rate loans are calculated based on a purchase of single family, owner occupied residence with a down payment of 25%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon. The annual percentage rates (APRs) for the Homeroom and Just for Starters fixed rate loans are calculated based on a purchase of a single family, owner occupied residence with a purchase price and loan amount of $550,000.00 and located in Multnomah County, Oregon. The annual percentage rates (APRs) for the 30 year jumbo fixed rate and 5/5 jumbo ARM are calculated based on a purchase of a single family, owner occupied residence with a down payment of 25%, a loan amount of $832,750, and a property located in Multnomah County, Oregon. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $795.00 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. If your down payment or equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available. Interest rates and APRs are subject to change without notice. | ||||
Terms 30 year fixed rate | Rate 6.250% | Annual percentage 6.342% | Points 0.375% | 1-month payment* $2,539.83 |
Terms 30 year jumbo fixed rate | Rate 6.250% | Annual percentage 6.342% | Points 0.500% | 1-month payment* $5,127.39 |
Terms 15 year fixed rate | Rate 5.625% | Annual percentage 5.794% | Points 0.500% | 1-month payment* $3,397.89 |
Terms Homeroom | Rate 7.500% | Annual percentage 7.598% | Points 0.500% | 1-month payment* $3,845.68 |
Terms Just for Starters | Rate 7.500% | Annual percentage 7.598% | Points 0.500% | 1-month payment* $3,845.68 |
Terms 5/5 ARM | Rate 6.250% | Annual percentage 6.730% | Points 0.500% | 1-month payment* $2,539.83 |
Terms 5/5 jumbo ARM | Rate 6.250% | Annual percentage 6.718% | Points 0.500% | 1-month payment* $5,127.39 |
Terms FHA | Rate 6.125% | Annual percentage 6.239% | Points 0.500% | 1-month payment* $2,506.39 |
Terms VA | Rate 6.125% | Annual percentage 6.232% | Points 0.500% | 1-month payment* $2,506.39 |
Terms Rates effective: | Rate May 29, 2026 | Annual percentage | Points | 1-month payment* |
Connect with a local Mortgage Loan Officer.
Meet some of our helpful loan officers (refine the results to find all the loan officers nearest you):
