Safe Rate Rankings

Best Conventional Mortgage Lenders in Oregon

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders219

Total Loans41,901

Median Rate Spread0.26%

Oregon Market Insights

Onpoint Community Credit Union is Safe Rate's top-ranked Conventional lender in Oregon, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Oregon, Navy Federal Credit Union and Provident Funding Associates LP scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #3 in Oregon, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Oregon: Rocket Mortgage (#5) and Onpoint Community Credit Union (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Oregon

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ONPOINT COMMUNITY CREDIT UNION Credit UnionDirect	Exceptional	Strong	Strong	Strong	Exceptional	$1,417Fees	0.063%Above	1,652
2	U.S. Bank National Association BankDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$952Fees	0.049%Above	825
3	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,243Fees	0.099%Above	3,302
4	ROGUE CREDIT UNION Credit UnionDirect	Strong	Strong	Strong	Exceptional	Exceptional	$1,745Fees	0.285%Below	486
5	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,190Fees	0.178%Above	2,353
6	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$1,082Fees	0.591%Below	211
7	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,661Fees	0.290%Above	3,081
8	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,598Fees	0.131%Above	500
9	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Strong	$1,419Fees	0.057%Below	375
10	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,356Fees	0.009%Below	195
11	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,195Fees	0.193%Above	1,157
12	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,927Fees	0.236%Above	753
13	KeyBank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$2,551Fees	0.033%Above	204
14	Morgan Stanley Private Bank, National Association BankDirect	Strong	Exceptional	Strong	Sound	Strong	$411Fees	0.423%Below	93
15	DIRECTORS MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	—	Strong	Strong	Exceptional	—	—	643
16	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,322Fees	0.442%Above	636
17	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$2,490Fees	0.022%Above	369
18	SELCO COMMUNITY Credit UnionDirect	Strong	Strong	Sound	Exceptional	Strong	$1,839Fees	0.273%Below	169
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,826Fees	0.411%Above	909
20	NBKC BANK BankDirect	Strong	Exceptional	Strong	Sound	Strong	$547Fees	0.138%Below	115
21	NATIONS DIRECT MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	Exceptional	$3,060Fees	0.214%Above	1,166
22	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,136Fees	0.473%Above	973
23	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,445Fees	0.201%Above	515
24	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,428Fees	0.177%Above	512
25	Nations Lending Corporation Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,777Fees	0.246%Above	222
26	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,595Fees	0.298%Above	334
27	SAMMAMISH MORTGAGE COMPANY Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Strong	$1,686Fees	0.122%Below	111
28	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,201Fees	0.127%Above	542
29	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$4,409Fees	0.113%Above	225
30	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,086Fees	0.312%Above	123
31	MORTGAGE EXPRESS, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$3,873Fees	0.386%Above	964
32	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Exceptional	$2,879Fees	0.284%Above	819
33	Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,646Fees	0.094%Above	367
34	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,709Fees	0.514%Above	345
35	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,636Fees	0.210%Above	321
36	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Strong	$3,055Fees	0.234%Above	187
37	Umpqua Bank BankDirect	Strong	Acceptable	Strong	Strong	Exceptional	$3,020Fees	0.276%Above	683
38	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,114Fees	0.485%Above	570
39	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,211Fees	0.270%Above	418
40	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,487Fees	0.358%Above	179
41	Oregon State Credit Union Credit UnionDirect	Strong	Sound	Sound	Strong	Strong	$2,614Fees	0.069%Above	143
42	SUMMIT FUNDING, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,739Fees	0.581%Above	681
43	FIRST TECHNOLOGY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Sound	Strong	Sound	Exceptional	$1,383Fees	0.091%Above	367
44	V.I.P. MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$3,118Fees	0.146%Above	89
45	EVERGREEN MONEYSOURCE MORTGAGE COMPANY Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$5,272Fees	0.532%Above	384
46	FIRST COMMUNITY Credit UnionDirect	Strong	—	Strong	Sound	Exceptional	$2,430Fees	1.342%Below	348
47	Plains Commerce Bank BankWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,263Fees	0.265%Above	107
48	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$3,236Fees	0.530%Above	308
49	Banner Bank BankDirect	Strong	Acceptable	Strong	Sound	Strong	$3,531Fees	0.106%Above	243
50	Sunflower Bank, National Association BankDirect	Strong	Acceptable	Strong	Strong	Strong	$4,264Fees	0.296%Above	156

❓ Frequently Asked Questions

How are mortgage lenders ranked in Oregon?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Oregon), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Oregon?+

Based on 2024 HMDA data, 219 lenders originated a combined 41,901 loans in Oregon. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Oregon?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Oregon is 0.26%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Oregon's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.