Safe Rate Rankings

Best VA 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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,157Fees	0.058%Above	277
2	CMG MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,773Fees	0.151%Above	122
3	KIND LENDING, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,725Fees	0.186%Above	74
4	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,471Fees	0.228%Above	43
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	THE LOAN STORE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,918Fees	0.196%Above	220
8	NEWREZ LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,152Fees	0.286%Above	128
9	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,595Fees	0.066%Below	16
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,265Fees	0.179%Above	184
11	USAA Federal Savings BankBank	Strong	Strong	Exceptional	Sound	Sound	$3,111Fees	0.223%Below	11
12	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,076Fees	0.272%Above	235
13	NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,352Fees	0.157%Above	77
14	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$5,096Fees	0.311%Above	54

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.