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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 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $952 | +0.049% | 825 | |
2 | ROGUE CREDIT UNION | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,745 | -0.285% | 486 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,419 | -0.057% | 375 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,082 | -0.591% | 211 | |
5 | ONPOINT COMMUNITY CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $1,417 | +0.063% | 1,652 | |
6 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $2,551 | +0.033% | 204 | |
7 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,356 | -0.009% | 195 | |
8 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $547 | -0.138% | 115 | |
9 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $411 | -0.423% | 93 | |
10 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,927 | +0.236% | 753 | |
11 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,490 | +0.022% | 369 | |
12 | SELCO COMMUNITY | Exceptional | Strong | Sound | Exceptional | Strong | $1,839 | -0.273% | 169 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,243 | +0.099% | 3,302 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,190 | +0.178% | 2,353 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,598 | +0.131% | 500 | |
16 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,636 | +0.210% | 321 | |
17 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $4,409 | +0.113% | 225 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $3,055 | +0.234% | 187 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,086 | +0.312% | 123 | |
20 | SAMMAMISH MORTGAGE COMPANY | Strong | Strong | Strong | Sound | Strong | $1,686 | -0.122% | 111 | |
21 | BMO Bank National Association | Strong | Strong | Strong | Sound | Strong | $1,398 | +0.243% | 100 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,661 | +0.290% | 3,081 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,195 | +0.193% | 1,157 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,136 | +0.473% | 973 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,826 | +0.411% | 909 | |
26 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,201 | +0.127% | 542 | |
27 | FIRST TECHNOLOGY FEDERAL CREDIT UNION | Strong | Sound | Strong | Sound | Exceptional | $1,383 | +0.091% | 367 | |
28 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,777 | +0.246% | 222 | |
29 | TWINSTAR | Strong | Strong | Sound | Sound | Strong | $4,004 | +0.216% | 105 | |
30 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,118 | +0.146% | 89 | |
31 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,060 | +0.214% | 1,166 | |
32 | MORTGAGE EXPRESS, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,873 | +0.386% | 964 | |
33 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,879 | +0.284% | 819 | |
34 | Umpqua Bank | Strong | Acceptable | Strong | Strong | Exceptional | $3,020 | +0.276% | 683 | |
35 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,322 | +0.442% | 636 | |
36 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,445 | +0.201% | 515 | |
37 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,428 | +0.177% | 512 | |
38 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,211 | +0.270% | 418 | |
39 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,646 | +0.094% | 367 | |
40 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,479 | -0.023% | 362 | |
41 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,709 | +0.514% | 345 | |
42 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,595 | +0.298% | 334 | |
43 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,645 | +0.491% | 228 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,230 | +0.266% | 190 | |
45 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $4,487 | +0.358% | 179 | |
46 | Oregon State Credit Union | Strong | Sound | Sound | Strong | Strong | $2,614 | +0.069% | 143 | |
47 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,263 | +0.265% | 107 | |
48 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | -$300 | +0.449% | 98 | |
49 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,238 | +0.415% | 97 | |
50 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | $2,277 | +0.093% | 89 |
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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