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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 Oregon
Updated February 6, 2026
Market Overview
219
Total Lenders
41,901
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 | $1,745 | -0.285% | 486 | |
2 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $411 | -0.423% | 93 | |
3 | ONPOINT COMMUNITY CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $1,417 | +0.063% | 1,652 | |
4 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | $952 | +0.049% | 825 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,419 | -0.057% | 375 | |
6 | FIRST TECHNOLOGY FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $1,383 | +0.091% | 367 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,082 | -0.591% | 211 | |
8 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $547 | -0.138% | 115 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,243 | +0.099% | 3,302 | |
10 | KeyBank National Association | Strong | Strong | Strong | Strong | $2,551 | +0.033% | 204 | |
11 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,356 | -0.009% | 195 | |
12 | SAMMAMISH MORTGAGE COMPANY | Strong | Strong | Strong | Strong | $1,686 | -0.122% | 111 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $3,927 | +0.236% | 753 | |
14 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,490 | +0.022% | 369 | |
15 | SELCO COMMUNITY | Strong | Strong | Sound | Strong | $1,839 | -0.273% | 169 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,086 | +0.312% | 123 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,661 | +0.290% | 3,081 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,190 | +0.178% | 2,353 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,195 | +0.193% | 1,157 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $4,826 | +0.411% | 909 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,201 | +0.127% | 542 | |
22 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,428 | +0.177% | 512 | |
23 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,598 | +0.131% | 500 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,479 | -0.023% | 362 | |
25 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $4,409 | +0.113% | 225 | |
26 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,060 | +0.214% | 1,166 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $5,136 | +0.473% | 973 | |
28 | MORTGAGE EXPRESS, LLC | Strong | Acceptable | Strong | Exceptional | $3,873 | +0.386% | 964 | |
29 | Umpqua Bank | Strong | Acceptable | Strong | Exceptional | $3,020 | +0.276% | 683 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,322 | +0.442% | 636 | |
31 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $5,191 | +0.391% | 428 | |
32 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,709 | +0.514% | 345 | |
33 | Banner Bank | Strong | Sound | Sound | Strong | $3,531 | +0.106% | 243 | |
34 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,777 | +0.246% | 222 | |
35 | LPMC, LLC | Strong | Acceptable | Strong | Exceptional | $3,801 | +0.346% | 212 | |
36 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $3,055 | +0.234% | 187 | |
37 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $4,487 | +0.358% | 179 | |
38 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,139 | -0.159% | 161 | |
39 | Oregon State Credit Union | Strong | Sound | Sound | Strong | $2,614 | +0.069% | 143 | |
40 | BMO Bank National Association | Strong | Sound | Sound | Strong | $1,398 | +0.243% | 100 | |
41 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,118 | +0.146% | 89 | |
42 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $2,277 | +0.093% | 89 | |
43 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,718 | +0.322% | 528 | |
44 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $3,445 | +0.201% | 515 | |
45 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $3,211 | +0.270% | 418 | |
46 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $3,646 | +0.094% | 367 | |
47 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,595 | +0.298% | 334 | |
48 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,636 | +0.210% | 321 | |
49 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | $4,894 | +0.357% | 309 | |
50 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,645 | +0.491% | 228 |
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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