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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 Company Lenders in Bend
Updated February 5, 2026
Market Overview
47
Total Lenders
3,361
Total Loans
0.16%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,596 | +0.067% | 20 | |
2 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,261 | +0.137% | 246 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,157 | +0.058% | 277 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,265 | +0.179% | 184 | |
5 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,076 | +0.272% | 235 | |
6 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,918 | +0.196% | 220 | |
7 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,773 | +0.151% | 122 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,134 | +0.270% | 112 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,183 | +0.101% | 65 | |
10 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $4,090 | +0.077% | 17 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $1,577 | +0.414% | 16 | |
12 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $870 | -0.104% | 15 | |
13 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $5,470 | +0.012% | 12 | |
14 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,152 | +0.286% | 128 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,839 | +0.334% | 92 | |
16 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,352 | +0.157% | 77 | |
17 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,725 | +0.186% | 74 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,649 | +0.467% | 51 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,471 | +0.228% | 43 | |
20 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,002 | +0.599% | 32 | |
21 | BETTER MORTGAGE CORPORATION | Strong | Exceptional | Strong | Mediocre | Acceptable | -$1,266 | +0.117% | 10 | |
22 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,017 | +0.148% | 44 | |
23 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,047 | +0.373% | 18 | |
24 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $568 | +0.143% | 17 | |
25 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $2,595 | -0.066% | 16 | |
26 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,470 | +0.004% | 15 | |
27 | MEMBER FIRST MORTGAGE, LLC | Strong | Sound | Strong | Sound | Sound | $2,557 | +0.103% | 14 | |
28 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $5,753 | +0.340% | 13 | |
29 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,587 | +0.206% | 13 | |
30 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,096 | +0.311% | 54 | |
31 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,009 | +0.522% | 31 | |
32 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $5,844 | +0.628% | 31 | |
33 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $1,634 | +0.434% | 18 | |
34 | MORTGAGE EXPRESS, LLC | Strong | Acceptable | Strong | Strong | Sound | $3,062 | +0.406% | 17 | |
35 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,176 | +0.396% | 10 | |
36 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Sound | Mediocre | Exceptional | Strong | Sound | $4,513 | +0.515% | 22 | |
37 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $4,408 | +0.359% | 21 | |
38 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Exceptional | Strong | Sound | $4,506 | +0.374% | 20 | |
39 | GOLDEN EMPIRE MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $7,033 | +0.570% | 16 | |
40 | LPMC, LLC | Sound | Mediocre | Sound | Strong | Strong | $3,597 | +0.197% | 23 | |
41 | AXIA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Sound | $5,653 | +0.165% | 21 | |
42 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Sound | $6,860 | +0.465% | 10 | |
43 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Strong | Sound | Sound | $6,911 | -1.472% | 14 | |
44 | LENDSURE MORTGAGE CORP. | Sound | Mediocre | Strong | Sound | Sound | $6,719 | +1.281% | 11 | |
45 | AgWest Farm Credit, FLCA | Acceptable | Mediocre | Acceptable | Mediocre | Sound | $3,038 | +0.294% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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