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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 Lenders in Eugene
Updated February 5, 2026
Market Overview
51
Total Lenders
2,906
Total Loans
0.18%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | SELCO COMMUNITY | Exceptional | Strong | Sound | Exceptional | Exceptional | $2,251 | -0.255% | 89 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,672 | +0.040% | 53 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,269 | -0.491% | 15 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $3,202 | +0.043% | 15 | |
5 | ONPOINT COMMUNITY CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $1,121 | +0.058% | 47 | |
6 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $615 | -0.344% | 12 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,143 | +0.111% | 301 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,205 | +0.283% | 194 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,476 | +0.522% | 84 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,373 | +0.013% | 16 | |
11 | Bank of America, National Association | Strong | Strong | Exceptional | Strong | Acceptable | $1,103 | +0.191% | 10 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,305 | +0.159% | 237 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,509 | +0.446% | 172 | |
14 | TWINSTAR | Strong | Strong | Sound | Sound | Strong | $3,582 | +0.290% | 40 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,285 | +0.168% | 18 | |
16 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $4,344 | +0.250% | 16 | |
17 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,658 | +0.239% | 15 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,617 | +0.357% | 109 | |
19 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,950 | +0.269% | 66 | |
20 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,203 | +0.575% | 36 | |
21 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,410 | +0.169% | 32 | |
22 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,568 | +0.135% | 23 | |
23 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,899 | +0.523% | 351 | |
24 | Umpqua Bank | Strong | Acceptable | Strong | Strong | Strong | $3,662 | +0.124% | 82 | |
25 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,159 | +0.201% | 49 | |
26 | MORTGAGE EXPRESS, LLC | Strong | Acceptable | Strong | Strong | Strong | $5,040 | +0.185% | 32 | |
27 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $5,148 | +0.162% | 16 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,176 | +0.134% | 15 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,952 | +0.624% | 15 | |
30 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,496 | +0.181% | 15 | |
31 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $3,069 | +0.344% | 12 | |
32 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,204 | +0.236% | 11 | |
33 | OREGON COMMUNITY | Strong | Acceptable | Sound | Sound | Exceptional | $2,487 | +0.409% | 95 | |
34 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,365 | +0.476% | 80 | |
35 | Banner Bank | Strong | Acceptable | Strong | Sound | Strong | $3,038 | +0.067% | 46 | |
36 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Sound | $3,017 | +0.233% | 19 | |
37 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,638 | +0.889% | 13 | |
38 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Sound | $5,641 | +0.630% | 12 | |
39 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,592 | +0.202% | 10 | |
40 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Sound | Mediocre | Exceptional | Strong | Sound | $5,661 | +0.492% | 21 | |
41 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $2,510 | +0.652% | 17 | |
42 | USAA Federal Savings Bank | Sound | Sound | Strong | Acceptable | Acceptable | $2,573 | -0.398% | 10 | |
43 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Sound | $4,891 | +0.299% | 12 | |
44 | LPMC, LLC | Sound | Mediocre | Sound | Strong | Sound | $5,199 | +0.170% | 21 | |
45 | ISERVE RESIDENTIAL LENDING, LLC | Sound | Mediocre | Sound | Sound | Sound | $4,201 | +0.202% | 14 |
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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