Safe Rate Rankings

Best VA Mortgage Bank Lenders in Oregon

Updated February 6, 2026
⚖️ 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.
Total Lenders12
Total Loans41,901
Median Rate Spread0.26%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
NBKC BANKBank
Exceptional
Exceptional
Exceptional
Strong
Strong
$547Fees
0.138%Below
115
2
U.S. Bank National AssociationBank
Exceptional
Strong
Exceptional
Strong
Exceptional
$952Fees
0.049%Above
825
3
KeyBank National AssociationBank
Exceptional
Exceptional
Strong
Strong
Strong
$2,551Fees
0.033%Above
204
4
JPMorgan Chase Bank, National AssociationBank
Exceptional
Strong
Exceptional
Sound
Strong
$2,598Fees
0.131%Above
500
5
USAA Federal Savings BankBank
Exceptional
Strong
Exceptional
Sound
Strong
$2,139Fees
0.159%Below
161
6
Flagstar Bank, N.A.Bank
Strong
Sound
Exceptional
Strong
Strong
$2,595Fees
0.298%Above
334
7
Plains Commerce BankBank
Strong
Sound
Exceptional
Strong
Strong
$3,263Fees
0.265%Above
107
8
Wells Fargo Bank, National AssociationBank
Strong
Sound
Exceptional
Sound
Strong
$2,490Fees
0.022%Above
369
9
Umpqua BankBank
Strong
Acceptable
Strong
Strong
Exceptional
$3,020Fees
0.276%Above
683
10
Banner BankBank
Strong
Sound
Strong
Sound
Strong
$3,531Fees
0.106%Above
243
11
Sunflower Bank, National AssociationBank
Strong
Acceptable
Strong
Strong
Strong
$4,264Fees
0.296%Above
156
12
Willamette Valley BankBank
Sound
Mediocre
Strong
Strong
Strong
$5,869Fees
0.334%Above
170

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.