Julie Farrell (NMLS #182573)  
(503) 319-1874  
farrellteam@rate.com


Merissa Cooper (NMLS #1427079)  
(503) 804-6451  
merissa.cooper@rate.com


Julie is a seasoned mortgage industry professional with an office at Rate in Lake Oswego. She has over two decades of experience. Her journey began in 2001 on the operations side of the business, where she gained invaluable knowledge on mortgage products and loan structuring. Transitioning to sales in 2005, she assumed leadership in 2010.  
An active member of the Home Builders Association(HBA), Julie dedicates herself to community contributions. She volunteers with the HBA & HBF(Home Builders Foundation), leveraging her expertise for a positive impact. Julie's commitment extends to her role as an Executive Leadership Team member for the Alzheimer's Association.  
As a certified instructor, Julie regularly shares her knowledge with peers and industry partners, consistently earning recognition, including the Mortgage Professionals Award and achieving President's Circle & Circle of Excellence throughout her career.  
A Portland native and avid supporter of the Trail Blazers and Oregon Football, Julie's love for the outdoors is evident in her hobbies- hiking, paddleboarding, cycling, and camping. During her downtime, she cherishes quality moments with her son, family and friends.  
Driven by a passion for service, Julie approaches each opportunity as a chance to build lasting relationships with clients, agent referral collaborators, and other originators. Her unwavering commitment to the mortgage industry, her peers, and the community consistently strives to make a positive impact wherever she goes.

Julie Farrell (NMLS #182573) | Merissa Cooper (NMLS #1427079)

Julie Farrell and Merissa Cooper are your Lake Oswego local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Julie and Merissa are committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact us at (503) 319-1874 for more information!

The Farrell Team at Rate

With over a decade of experience in the lending industry, my passion for home lending has only grown stronger. I began my career at a local credit union, specializing in home equity, first lien refinances, and unique property types in the Portland, Oregon area. My commitment to providing exceptional service through clear communication and thorough explanations has guided me to join Rate, where I continue to offer my clients a seamless lending experience.  
As a lifelong Oregonian, I cherish my roots in this beautiful state. Outside of work, I'm an avid reader and a dedicated baseball fan. You'll find me in my downtime relaxing with my cat and a good book. And during baseball season, you'll often find me rooting for Chicago baseball.

VP of Mortgage Lending

Lou Xavier is your Lake Oswego local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Lou is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Lou at (503) 914-1201 for more information!

Lou Xavier at Rate (NMLS #1172698)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Rachel Hall is your Lake Oswego local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Rachel is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Rachel at (503) 914-1200 for more information!

Rachel Hall at Rate (NMLS #1868617)

With over 18 years of experience in service delivery and lending, Rachel is committed to exceeding your expectations. A lifelong resident of Coos County and an avid outdoorswoman, Rachel has deep roots in the local community. Her dedication to service extends beyond her professional role—she actively volunteers with various organizations and schools. In 2020, Rachel was honored as Rotarian of the Year for her outstanding contributions.  
As a mother, Rachel understands the importance of making sound financial decisions for your family's future. She is passionate about helping clients find the right mortgage solutions tailored to their unique needs. With a proven track record and strong ties to the community, Rachel is the ideal choice for your mortgage lending needs.

Rachel Osbon is your Lake Oswego local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Rachel is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Rachel at (503) 432-4541 for more information!

Rachel Osbon at Rate (NMLS #674065)

Lake Oswego

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4 Loan Officers in Lake Oswego, OR