Safe Rate Rankings

Best All Lender Mortgage Lenders in Eugene

Updated May 23, 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 Lenders51

Total Loans2,906

Median Rate Spread0.18%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$4,143Fees	0.111%Above	301
2	SELCO COMMUNITYCredit Union	Strong	Strong	Sound	Exceptional	$2,251Fees	0.255%Below	89
3	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$1,672Fees	0.040%Above	53
4	ONPOINT COMMUNITY CREDIT UNIONCredit Union	Strong	Strong	Strong	Strong	$1,121Fees	0.058%Above	47
5	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,305Fees	0.159%Above	237
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,205Fees	0.283%Above	194
7	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,509Fees	0.446%Above	172
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$4,476Fees	0.522%Above	84
9	TWINSTARCredit Union	Strong	Strong	Acceptable	Strong	$3,582Fees	0.290%Above	40
10	Banner BankBank	Strong	Sound	Sound	Strong	$3,038Fees	0.067%Above	46
11	NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,203Fees	0.575%Above	36
12	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,198Fees	0.213%Below	30
13	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,568Fees	0.135%Above	23
14	SUMMIT FUNDING, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$5,899Fees	0.523%Above	351
15	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$5,617Fees	0.357%Above	109
16	OREGON COMMUNITYCredit Union	Strong	Acceptable	Sound	Exceptional	$2,487Fees	0.409%Above	95
17	Umpqua BankBank	Strong	Acceptable	Strong	Strong	$3,662Fees	0.124%Above	82
18	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,950Fees	0.269%Above	66
19	MORTGAGE EXPRESS, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$5,040Fees	0.185%Above	32
20	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,410Fees	0.169%Above	32
21	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$5,365Fees	0.476%Above	80
22	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$4,159Fees	0.201%Above	49
23	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$29Credit	0.278%Above	38
24	LPMC, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$5,199Fees	0.170%Above	21
25	EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$5,661Fees	0.492%Above	21

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.