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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Bend
Updated February 5, 2026
Market Overview
70
Total Lenders
3,361
Total Loans
0.16%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | ONPOINT COMMUNITY CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $2,037 | +0.050% | 101 | |
2 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $315 | -0.490% | 21 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,157 | +0.058% | 277 | |
4 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $631 | +0.022% | 73 | |
5 | SELCO COMMUNITY | Strong | Strong | Sound | Exceptional | $1,223 | -0.312% | 56 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,596 | +0.067% | 20 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $4,261 | +0.137% | 246 | |
8 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,697 | -0.003% | 33 | |
9 | Bank of America, National Association | Strong | Strong | Strong | Sound | $925 | -0.098% | 20 | |
10 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $5,076 | +0.272% | 235 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,265 | +0.179% | 184 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,773 | +0.151% | 122 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $4,134 | +0.270% | 112 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,183 | +0.101% | 65 | |
15 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,471 | +0.228% | 43 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,641 | +0.317% | 38 | |
17 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Exceptional | $3,918 | +0.196% | 220 | |
18 | Umpqua Bank | Strong | Acceptable | Strong | Exceptional | $3,091 | +0.132% | 100 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,839 | +0.334% | 92 | |
20 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,352 | +0.157% | 77 | |
21 | Washington Trust Bank | Strong | Sound | Sound | Strong | $2,008 | +0.236% | 23 | |
22 | NEWREZ LLC | Strong | Acceptable | Sound | Exceptional | $2,152 | +0.286% | 128 | |
23 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,725 | +0.186% | 74 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,649 | +0.467% | 51 | |
25 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,017 | +0.148% | 44 | |
26 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Strong | Strong | $3,002 | +0.599% | 32 | |
27 | LPMC, LLC | Strong | Acceptable | Strong | Strong | $3,597 | +0.197% | 23 | |
28 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | $5,844 | +0.628% | 31 | |
29 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $3,307 | +0.289% | 28 | |
30 | Sunflower Bank, National Association | Sound | Acceptable | Strong | Sound | $4,201 | +0.236% | 24 | |
31 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | $5,096 | +0.311% | 54 | |
32 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $4,009 | +0.522% | 31 | |
33 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Sound | Mediocre | Exceptional | Sound | $4,513 | +0.515% | 22 | |
34 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $4,408 | +0.359% | 21 | |
35 | AXIA FINANCIAL, LLC | Sound | Mediocre | Strong | Sound | $5,653 | +0.165% | 21 | |
36 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Strong | Sound | $4,506 | +0.374% | 20 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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