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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 FHA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,243 | +0.099% | 3,302 | |
2 | ONPOINT COMMUNITY CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $1,417 | +0.063% | 1,652 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $952 | +0.049% | 825 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,479 | -0.023% | 362 | |
5 | KeyBank National Association | Exceptional | Exceptional | Strong | Sound | Strong | $2,551 | +0.033% | 204 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,086 | +0.312% | 123 | |
7 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $547 | -0.138% | 115 | |
8 | NATIONS DIRECT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,060 | +0.214% | 1,166 | |
9 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,927 | +0.236% | 753 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,201 | +0.127% | 542 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,190 | +0.178% | 2,353 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,826 | +0.411% | 909 | |
13 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,879 | +0.284% | 819 | |
14 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,445 | +0.201% | 515 | |
15 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,211 | +0.270% | 418 | |
16 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,595 | +0.298% | 334 | |
17 | Banner Bank | Strong | Strong | Strong | Sound | Strong | $3,531 | +0.106% | 243 | |
18 | LPMC, LLC | Strong | Sound | Strong | Strong | Exceptional | $3,801 | +0.346% | 212 | |
19 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,263 | +0.265% | 107 | |
20 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $2,277 | +0.093% | 89 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,661 | +0.290% | 3,081 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,195 | +0.193% | 1,157 | |
23 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,709 | +0.514% | 345 | |
24 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,777 | +0.246% | 222 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,487 | +0.358% | 179 | |
26 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,118 | +0.146% | 89 | |
27 | MORTGAGE EXPRESS, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,873 | +0.386% | 964 | |
28 | Umpqua Bank | Strong | Acceptable | Strong | Strong | Exceptional | $3,020 | +0.276% | 683 | |
29 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,739 | +0.581% | 681 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,322 | +0.442% | 636 | |
31 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,114 | +0.485% | 570 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,428 | +0.177% | 512 | |
33 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,598 | +0.131% | 500 | |
34 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $5,191 | +0.391% | 428 | |
35 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,490 | +0.022% | 369 | |
36 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,646 | +0.094% | 367 | |
37 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,636 | +0.210% | 321 | |
38 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,894 | +0.357% | 309 | |
39 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,645 | +0.491% | 228 | |
40 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,012 | +0.177% | 227 | |
41 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,409 | +0.113% | 225 | |
42 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,460 | +0.358% | 188 | |
43 | Sunflower Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $4,264 | +0.296% | 156 | |
44 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | -$300 | +0.449% | 98 | |
45 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,238 | +0.415% | 97 | |
46 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,718 | +0.322% | 528 | |
47 | SUMMIT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,404 | +0.238% | 217 | |
48 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $3,055 | +0.234% | 187 | |
49 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,151 | +0.327% | 174 | |
50 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,579 | +0.129% | 123 |
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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