Safe Rate Rankings

Best Jumbo 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	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$631Fees	0.022%Above	73
2	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$2,697Fees	0.003%Below	33
3	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$315Fees	0.490%Below	21
4	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$925Fees	0.098%Below	20
5	ONPOINT COMMUNITY CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$2,037Fees	0.050%Above	101
6	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,471Fees	0.228%Above	43
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,157Fees	0.058%Above	277
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$4,265Fees	0.179%Above	184
9	BMO Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$813Fees	0.255%Above	14
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Exceptional	$4,261Fees	0.137%Above	246
11	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,839Fees	0.334%Above	92
12	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,183Fees	0.101%Above	65
13	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,641Fees	0.317%Above	38
14	Charles Schwab Bank, SSBBank	Strong	Sound	Exceptional	Exceptional	Sound	$1,140Fees	0.301%Below	14
15	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,076Fees	0.272%Above	235
16	Umpqua BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,091Fees	0.132%Above	100
17	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$2,152Fees	0.286%Above	128
18	Washington Trust BankBank	Strong	Acceptable	Strong	Strong	Strong	$2,008Fees	0.236%Above	23
19	First Interstate BankBank	Strong	Sound	Strong	Sound	Sound	$1,397Fees	0.296%Above	18
20	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$4,408Fees	0.359%Above	21
21	AgWest Farm Credit, FLCAIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$3,038Fees	0.294%Above	13

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.