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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 Eugene
Updated February 5, 2026
Market Overview
32
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $3,202 | +0.043% | 15 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,143 | +0.111% | 301 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,205 | +0.283% | 194 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,476 | +0.522% | 84 | |
5 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,305 | +0.159% | 237 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,509 | +0.446% | 172 | |
7 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $4,344 | +0.250% | 16 | |
8 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,658 | +0.239% | 15 | |
9 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,617 | +0.357% | 109 | |
10 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,950 | +0.269% | 66 | |
11 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,203 | +0.575% | 36 | |
12 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,410 | +0.169% | 32 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,568 | +0.135% | 23 | |
14 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,899 | +0.523% | 351 | |
15 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,159 | +0.201% | 49 | |
16 | MORTGAGE EXPRESS, LLC | Strong | Acceptable | Strong | Strong | Strong | $5,040 | +0.185% | 32 | |
17 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $5,148 | +0.162% | 16 | |
18 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,176 | +0.134% | 15 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,952 | +0.624% | 15 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,496 | +0.181% | 15 | |
21 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,204 | +0.236% | 11 | |
22 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,365 | +0.476% | 80 | |
23 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Sound | $3,017 | +0.233% | 19 | |
24 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,638 | +0.889% | 13 | |
25 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Sound | $5,641 | +0.630% | 12 | |
26 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,592 | +0.202% | 10 | |
27 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Sound | Mediocre | Exceptional | Strong | Sound | $5,661 | +0.492% | 21 | |
28 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $2,510 | +0.652% | 17 | |
29 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Sound | $4,891 | +0.299% | 12 | |
30 | LPMC, LLC | Sound | Mediocre | Sound | Strong | Sound | $5,199 | +0.170% | 21 | |
31 | 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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