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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 Conventional Mortgage Lenders in Bend

Updated February 5, 2026

Market Overview

Total Lenders

3,361

Total Loans

0.16%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	ONPOINT COMMUNITY CREDIT UNION	Exceptional	Strong	Strong	Strong	Exceptional	$2,037	+0.050%	101
2	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$631	+0.022%	73
3	SELCO COMMUNITY	Exceptional	Strong	Sound	Exceptional	Exceptional	$1,223	-0.312%	56
4	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,596	+0.067%	20
5	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,846	-0.650%	17
6	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$4,261	+0.137%	246
7	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$2,697	-0.003%	33
8	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Sound	Sound	$315	-0.490%	21
9	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$925	-0.098%	20
10	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,157	+0.058%	277
11	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,265	+0.179%	184
12	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,641	+0.317%	38
13	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,076	+0.272%	235
14	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,918	+0.196%	220
15	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,773	+0.151%	122
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,134	+0.270%	112
17	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,183	+0.101%	65
18	Washington Trust Bank	Strong	Strong	Sound	Sound	Strong	$2,008	+0.236%	23
19	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Sound	$4,090	+0.077%	17
20	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$1,577	+0.414%	16
21	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$870	-0.104%	15
22	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$5,470	+0.012%	12
23	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$2,152	+0.286%	128
24	Umpqua Bank	Strong	Acceptable	Strong	Strong	Exceptional	$3,091	+0.132%	100
25	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,839	+0.334%	92
26	NATIONS DIRECT MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$2,352	+0.157%	77
27	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,725	+0.186%	74
28	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,649	+0.467%	51
29	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,471	+0.228%	43
30	LEADERONE FINANCIAL CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,002	+0.599%	32
31	Charles Schwab Bank, SSB	Strong	Sound	Strong	Strong	Sound	$1,140	-0.301%	14
32	CANOPY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,017	+0.148%	44
33	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Sound	$3,307	+0.289%	28
34	Commerce Home Mortgage, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$4,047	+0.373%	18
35	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$568	+0.143%	17
36	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Sound	$2,595	-0.066%	16
37	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$4,470	+0.004%	15
38	MEMBER FIRST MORTGAGE, LLC	Strong	Sound	Strong	Sound	Sound	$2,557	+0.103%	14
39	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$5,753	+0.340%	13
40	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,587	+0.206%	13
41	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,120	+0.116%	11
42	CHURCHILL MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$5,096	+0.311%	54
43	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$4,009	+0.522%	31
44	SUMMIT FUNDING, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$5,844	+0.628%	31
45	Sunflower Bank, National Association	Strong	Acceptable	Strong	Strong	Sound	$4,201	+0.236%	24
46	MASON MCDUFFIE MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Sound	$1,634	+0.434%	18
47	MORTGAGE EXPRESS, LLC	Strong	Acceptable	Strong	Strong	Sound	$3,062	+0.406%	17
48	USAA Federal Savings Bank	Strong	Sound	Strong	Acceptable	Sound	$3,111	-0.223%	11
49	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,176	+0.396%	10
50	EVERGREEN MONEYSOURCE MORTGAGE COMPANY	Sound	Mediocre	Exceptional	Strong	Sound	$4,513	+0.515%	22

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.

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