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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 Mortgage Lenders in Medford
Updated February 5, 2026
Market Overview
34
Total Lenders
1,938
Total Loans
0.26%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | ROGUE CREDIT UNION | Exceptional | Strong | Exceptional | Exceptional | $1,747 | -0.221% | 233 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,872 | +0.175% | 195 | |
3 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $1,179 | +0.098% | 37 | |
4 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,980 | +0.325% | 212 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,523 | +0.176% | 139 | |
6 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,973 | +0.483% | 108 | |
7 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,593 | +0.139% | 88 | |
8 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,928 | +0.411% | 71 | |
9 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $4,486 | +0.453% | 42 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,690 | +0.347% | 35 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,298 | +0.178% | 35 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $3,774 | +0.264% | 25 | |
13 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $3,362 | -0.240% | 21 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $5,931 | +0.436% | 111 | |
15 | MORTGAGE EXPRESS, LLC | Strong | Acceptable | Strong | Strong | $4,424 | +0.360% | 55 | |
16 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,306 | +0.380% | 41 | |
17 | Umpqua Bank | Strong | Acceptable | Strong | Strong | $1,879 | +0.400% | 34 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $5,749 | +0.437% | 29 | |
19 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Sound | Mediocre | Exceptional | Strong | $5,849 | +0.476% | 75 | |
20 | Sunflower Bank, National Association | Sound | Acceptable | Strong | Sound | $4,632 | +0.362% | 24 | |
21 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $2,177 | +0.420% | 24 | |
22 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $2,608 | +0.345% | 21 | |
23 | Willamette Valley Bank | Sound | Mediocre | Strong | Strong | $5,831 | +0.312% | 82 | |
24 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $4,027 | +0.426% | 23 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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