Tamra Carrell

Title: Mortgage Sales Manager

NMLS# 590624

Location: Bend, OR

With over two decades of experience in the mortgage industry, Tamra Carrell stands out as a seasoned professional. From developing pricing engines to creating training programs for loan originators and realtors, she continually works to better the industry. As a Mortgage Loan Originator, Tamra is dedicated to demystifying mortgage options for clients and realtor partners. 
 
Transitioning from a career in Civil Service, Tamra discovered her true calling in mortgage lending. “In the ever-changing financial and mortgage climate, mortgage work is anything but boring,” says Tamra. The intricate puzzle of loans and the thrill of overcoming challenges to secure homes for individuals fuel her enthusiasm.  
 
Tamra’s clients value her knack for simplifying complex processes and her candid honesty about mortgage prospects. Her servant’s heart and unwavering positivity endear her to clients and industry partners. 
When she is not at work, Tamra unleashes her creativity in the kitchen, garden and furniture refurbishment projects.  Living in Oregon, she embraces the great outdoors through fishing, glamping and hiking. 
 
 

Family of 4 moving into home carrying boxes

Down Payment Assistance

Did you know there are programs that can help you find funding for your down payment? We are proud to offer a range of national and state-specific Down Payment Assistance programs that can help turn your dreams of homeownership into reality. Click below to see if you are eligible. 
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My Mortgage App

My mortgage app makes it easy! Get your digital to-do list, access calculators, send documents securely and much more!

In just a few clicks you'll receive a text message with a custom download link to connect directly with me on the mobile app!
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Calculators

Get help answering the big questions:
What will my monthly payments be? 
Can I save money by refinancing?
Should I keep renting or buy now? 

Visit our calculators for quick reference then contact us for specific guidance!
Check Out Our Calculators!

Finance Your Dream Home

Homebuying isn’t a one-mortgage-fits-all experience. That’s why Sunflower Bank offers a variety of home loan options to fit your goals and financial needs. Whether you’re looking to buy, build, or refinance, our expert loan originators will guide you through possible options to find the right solution for your homebuying needs.
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What My Customers Say

5 Star Rating
She’s friendly, always got back to me quickly.

Carol B

OR

Mar 24, 2026

5 Star Rating
Tamra help me get through this process twice against stressful odds. She was kind and compassionate and always available for questions, concerns and even occasional pep talks. Thank you so much!

Scott W

OR

Mar 20, 2026

5 Star Rating
Top tier. Tamra is a professional. She brings positive energy, knowledgeable expertise and tremendous efficiency to a process that can often be daunting. It was a pleasure working with her.

Susan R

OR

Feb 17, 2026

5 Star Rating
Tamra goes above and beyond. She will make things happen! Very knowledgeable and trust worthy! She has done 2 loans for me now and each one she did everything she could to lock the lowest rate and get the loan done in time.

Alex A

OR

Feb 14, 2026

5 Star Rating
I would highly recommend Tamra! She was very clear about the loan, Explained Cost and timeline. Everything else went as expected the process moved forward on schedule. Closed on time. I would say all that makes a great place to get a loan!

Charles L

OR

Jan 14, 2026

5 Star Rating
They were very helpful and worked hard to get our re-finance completed

OR

Dec 05, 2025

5 Star Rating
This was a great experience and I feel we got the best deal on the market at the time. Thank you

Keith P

AZ

Dec 02, 2025

5 Star Rating
Our situation was complicated and she got us approved! She was professional and easy to work with.

Kristie B

OR

Oct 28, 2025

5 Star Rating
She is easy to work with and felt like she had our back every step of the way. She has a good sense of humor and was always available to talk us through steps as they came up.

Desiree C

OR

Oct 27, 2025

5 Star Rating
Tamra was amazing to work with! She was always available, very knowledgeable and the whole process went so quickly & smoothly! Highly recommend!!

Kathleen M

OR

Sep 10, 2025