Safe Rate Rankings

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