Safe Rate Rankings

Best Conventional Mortgage Bank 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 Lenders14

Total Loans3,361

Median Rate Spread0.16%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$631Fees	0.022%Above	73
2	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,697Fees	0.003%Below	33
3	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$315Fees	0.490%Below	21
4	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$925Fees	0.098%Below	20
5	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,641Fees	0.317%Above	38
6	Washington Trust BankBank	Strong	Strong	Sound	Sound	Strong	$2,008Fees	0.236%Above	23
7	Umpqua BankBank	Strong	Acceptable	Strong	Strong	Exceptional	$3,091Fees	0.132%Above	100
8	Charles Schwab Bank, SSBBank	Strong	Sound	Strong	Strong	Sound	$1,140Fees	0.301%Below	14
9	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,307Fees	0.289%Above	28
10	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,120Fees	0.116%Above	11
11	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Strong	Sound	$4,201Fees	0.236%Above	24
12	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$3,111Fees	0.223%Below	11
13	First Interstate BankBank	Sound	Sound	Sound	Acceptable	Sound	$1,397Fees	0.296%Above	18
14	WASHINGTON FEDERAL BANKBank	Sound	Mediocre	Strong	Acceptable	Sound	$4,633Fees	0.357%Above	10

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.