Division of Finance and Corporate Securities

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Division of Finance and Corporate Securities (DFCS)

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Mortgage Lending

Oregon Revised Statute 86A

Mortgage bankers lend money to fund loans secured by interests in real estate and they either sell or service the loans. Mortgage brokers sell real estate paper for themselves or for others or accept funds from others to invest in real estate paper. Mortgage brokers also make or negotiate mortgage loans. The mortgage lender license permits a company to act as a mortgage banker, mortgage broker or both.

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Information for consumers

Avoid foreclosure scams
Homeowners having difficulties making their mortgage payments on time or facing foreclosure should beware of foreclosure scams. read more.....

File a complaint
If you have a complaint against a mortgage lender or loan originator, please use our online complaint form. The form may also be printed and mailed or faxed to us. The form is available in both English and Spanish versions.

Check out our consumer alerts and press releases to learn about the actions against fraudulent lenders or events to promote consumer education.

Check on a loan originator
Find out if the loan originator you want to do business with is actively registered and has any enforcement actions. Click here for more information.

Industry information
Nationwide Mortgage Licensing System Mortgage lenders Loan originator Sign up to receive NMLSR updates by email What you need to know 2009 annual report form information Division policy statement Translations of mortgage disclosures (HB2188) Required Foreclosure Notice and Loan Modification Request Process (SB 628)

Latest news
2009 Annual Report ORS 86A.112(3) requires that each licensee file an annual report related to the licensee's residential mortgage lending business for the prior year by March 31, 2010. read more...

Featured Links

Help for homeowners facing foreclosure

As unemployment continues to rise in Oregon, more and more homeowners are having difficulty making their mortgage payments. They may feel alone, but they do have options, and there are a lot of resources available here in Oregon. Click here for an overview of the foreclosure process, information on new government programs that can help homeowners, contact information for nonprofit foreclosure counselors, and much more.

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