Mid Oregon Credit Union understands that not every mortgage is the same. Nor is any individual’s financial situation. As your Central Oregon home loan provider, we are committed to helping you find the loan that is right for you.

As the only financial institution headquartered in Central Oregon, we are uniquely positioned to offer flexible options with an array of loan products tailored to fit your individual circumstances. We offer traditional lending options and have had proven success financing niche loan products. ADUs and bare land purchases are examples of the niche loans we have successfully funded.

There are several loan choices with competitive rates that we offer, including:

  • ADUs, Remodeling and Construction
  • Financing for Bare Land
  • Bridge Loans and Reverse Mortgages
  • FHA, VA, USDA Loans
  • Manufactured Homes
  • Multi-Family and Investment Properties
  • Home Equity Lines of Credit
  • Conventional Home Loans

Being local, we know the Central Oregon community and can provide a comprehensive review of your loan situation. This helps us identify the option that will best suit your needs, your lifestyle, and your budget.

Have a challenging financial circumstance? Come talk to us. Mid Oregon specializes in helping people who may not meet traditional lending standards. Our lending options with local, flexible underwriting can help where other lenders cannot.

Additionally, we take pride in providing fast and professional customer service. Just take a look online at the 150 five-star Google reviews our team has earned.

“Jenny, Dan, & Sloan at Mid Oregon Credit Union made the re-fi process on our home so quick and easy. The application was simple and straight forward. They communicated regularly and were very pleasant to work with. I highly recommend them for all your financing needs.”

Sherrill A.

No matter if your goal is building additional living space to care for elderly family members, financing new property, or just exploring options—our goal is to find a loan solution that works for you.


From start to finish, we will guide you through your entire mortgage process and ensure a simple, hassle-free experience. Get started by visiting one of our seven branches, online at , or call our Contact Center at 541-382-1795. We look forward to hearing from you.

Want to know more? Read additional Mid Oregon blog articles about home loans and lines of credit.