Safe Rate Rankings

Best Mortgage Lenders in Bend

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders70

Total Loans3,361

Median Rate Spread0.16%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ONPOINT COMMUNITY CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Exceptional	$2,037Fees	0.050%Above	101
2	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	$315Fees	0.490%Below	21
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,157Fees	0.058%Above	277
4	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$631Fees	0.022%Above	73
5	SELCO COMMUNITYCredit Union	Strong	Strong	Sound	Exceptional	$1,223Fees	0.312%Below	56
6	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Strong	Exceptional	Sound	Sound	$1,596Fees	0.067%Above	20
7	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$4,261Fees	0.137%Above	246
8	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,697Fees	0.003%Below	33
9	Bank of America, National AssociationBank	Strong	Strong	Strong	Sound	$925Fees	0.098%Below	20
10	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$5,076Fees	0.272%Above	235
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,265Fees	0.179%Above	184
12	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,773Fees	0.151%Above	122
13	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,134Fees	0.270%Above	112
14	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,183Fees	0.101%Above	65
15	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,471Fees	0.228%Above	43
16	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,641Fees	0.317%Above	38
17	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,918Fees	0.196%Above	220
18	Umpqua BankBank	Strong	Acceptable	Strong	Exceptional	$3,091Fees	0.132%Above	100
19	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,839Fees	0.334%Above	92
20	NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,352Fees	0.157%Above	77
21	Washington Trust BankBank	Strong	Sound	Sound	Strong	$2,008Fees	0.236%Above	23
22	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Sound	Exceptional	$2,152Fees	0.286%Above	128
23	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,725Fees	0.186%Above	74
24	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,649Fees	0.467%Above	51
25	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,017Fees	0.148%Above	44
26	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,002Fees	0.599%Above	32
27	LPMC, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,597Fees	0.197%Above	23
28	SUMMIT FUNDING, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$5,844Fees	0.628%Above	31
29	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$3,307Fees	0.289%Above	28
30	Sunflower Bank, National AssociationBank	Sound	Acceptable	Strong	Sound	$4,201Fees	0.236%Above	24
31	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$5,096Fees	0.311%Above	54
32	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$4,009Fees	0.522%Above	31
33	EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$4,513Fees	0.515%Above	22
34	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$4,408Fees	0.359%Above	21
35	AXIA FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	$5,653Fees	0.165%Above	21
36	PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$4,506Fees	0.374%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.