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    OnPoint Community Credit Union

    5.0 (3 reviews)
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    Response time

    1 day

    Response rate

    100%

    Services - OnPoint Community Credit Union

    Auto loan

    Business banking

    Business loan

    7 More Services

    Currency exchange

    Business merchant services

    Mortgage services

    Mortgage refinancing

    Personal banking

    Personal loan

    Home purchase

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    Recommended Reviews - OnPoint Community Credit Union

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    8 months ago

    Fantastic customer service, very low minimum balance, great mortgage rates. Very happy to be here!

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    5 years ago

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    Nik D.

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    4 years ago

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    Ask the Community - OnPoint Community Credit Union

    Phil Gerstner - Lighthouse Financial Enterprises, Inc. - Best Mortgage Lender Salem, OR

    Phil Gerstner - Lighthouse Financial Enterprises, Inc.

    (5 reviews)

    The only reason I gave a rating of "five" is because there isn't an option to give SIX!…read more My wife and I have had a lot of experience over the last 23 years buying and selling properties. We had been watching property in a very specific part of town for nearly two years. As our country's financial outlook began to turn gloomy, we decided we'd better pull the trigger quickly before rates went to the moon. A friend we trust recommended Phil Gerstner at Lighthouse Home Loans. We reached out to Phil and the rest is history. Understand, we've bought and sold more than a dozen properties in a couple of decades and we have NEVER had such an OUTSTANDING experience as we did with Phil and his team. We thought for certain we'd waited too long and would pay the price through high rates. Phil shopped our loan HARD and found us several options to choose from that made sense and were manageable for us. Phil took the time to teach us about the process, broke each option down into steps that helped us understand potential outcomes BEFORE we made a decision. We have NEVER had a broker take the time and spend the energy doing this before and we have come to VALUE Phil's thoughtful input. I CANNOT RECOMMEND PHIL AND LIGHTHOUSE LOANS STRONGLY ENOUGH. You will be doing yourself, your family, and your future a huge disservice if you don't at least have a conversation with him, talk about your plans, dreams, and options. Thanks Phil and Lighthouse! We LOVE our new home.

    Phil was knowledgeable, responsive and extremely helpful in making sure we had a good experience as…read morefirst time home buyers. He made every effort to get us the best deal and was constantly giving us good news. I really liked working with Phil and Lighthouse Home Loans. I would HIGHLY recommend them to anyone.

    Lighthouse Financial Enterprises - NMLS #1578378

    Lighthouse Financial Enterprises

    (2 reviews)

    Scott Gilbert, Melissa and Selisha are miracle workers! There is one word to describe this company…read more- integrity. The day before I was to close on our home with another lender, Freedom Mortgage, we were not able to close on the loan due to a title discrepancy. The movers were there and everything was boxed! It was a nightmare. I called Scott the following day and his underwriters researched the title and it deemed it clean with no issues at all. With Scott's lead, and with his vast knowledge and experience I was able to close on the loan two weeks later! Melissa and Selisha are wonderful to work with as well - speedy, warm, intelligent and kind. I highly recommend this company!

    I can't say enough great things about Lighthouse Financial, and especially Scott and Mel, who have…read morehelped us sail through multiple transactions over the years. I was originally referred to Scott by my real estate broker while looking at investment properties in Salem and Keizer. I used US Bank in the past, but most of the big banks have a "mortgage guy" who seems to be asleep at the wheel. But when you work with someone like Scott, who can shop multiple lenders and give you brilliant strategic advice on how to structure deals for the best outcomes, you avoid the assembly line (and inevitable delays) of the larger institutions. What a night and day difference. He is very sharp and moves like lightning. My goals are very different from the regular home buyer, and so I rely heavily on consultative experts who can problem solve their way around obstacles. They know how to work a bigger plan and make sure we are hitting all of our metrics. If I fall short on something, Mel brings the urgency needed to get the deal done. I can't tell you how appreciated that is. That level of focused project management is worth every penny. They really work hard to see around corners for you, and to package things efficiently for underwriting to keep surprises minimal. They are truly masters of what they do. I highly recommend them to any and all REIs who want pros to handle their financing side. This market is too competitive and moves too quickly to have anything less than a top notch financing partner.

    OnPoint Community Credit Union - banks - Updated June 2026

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