Safe Rate Rankings

Best Jumbo Mortgage 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.

Market

Total Lenders219

Total Loans41,901

Median Rate Spread0.26%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$952Fees	0.049%Above	825
2	FIRST TECHNOLOGY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$1,383Fees	0.091%Above	367
3	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$2,490Fees	0.022%Above	369
4	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,356Fees	0.009%Below	195
5	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$411Fees	0.423%Below	93
6	ROGUE CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,745Fees	0.285%Below	486
7	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,082Fees	0.591%Below	211
8	ONPOINT COMMUNITY CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,417Fees	0.063%Above	1,652
9	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,428Fees	0.177%Above	512
10	BMO Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,398Fees	0.243%Above	100
11	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,243Fees	0.099%Above	3,302
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$4,190Fees	0.178%Above	2,353
13	CMG MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,195Fees	0.193%Above	1,157
14	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,551Fees	0.033%Above	204
15	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Exceptional	$3,927Fees	0.236%Above	753
16	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$4,322Fees	0.442%Above	636
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,201Fees	0.127%Above	542
18	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,598Fees	0.131%Above	500
19	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$4,487Fees	0.358%Above	179
20	SELCO COMMUNITYCredit Union	Strong	Strong	Strong	Sound	Strong	$1,839Fees	0.273%Below	169
21	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,661Fees	0.290%Above	3,081
22	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,136Fees	0.473%Above	973
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,826Fees	0.411%Above	909
24	Umpqua BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,020Fees	0.276%Above	683
25	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$2,879Fees	0.284%Above	819
26	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,445Fees	0.201%Above	515
27	Banner BankBank	Strong	Sound	Strong	Sound	Strong	$3,531Fees	0.106%Above	243
28	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,211Fees	0.270%Above	418
29	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,236Fees	0.530%Above	308
30	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,645Fees	0.491%Above	228
31	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Sound	Exceptional	$5,114Fees	0.485%Above	570
32	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,709Fees	0.514%Above	345
33	BAY EQUITY LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$4,409Fees	0.113%Above	225
34	SUMMIT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,404Fees	0.238%Above	217
35	MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,151Fees	0.327%Above	174
36	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Sound	Strong	$4,264Fees	0.296%Above	156
37	NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Exceptional	$3,060Fees	0.214%Above	1,166
38	SUMMIT FUNDING, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Exceptional	$5,739Fees	0.581%Above	681
39	Flagstar Bank, N.A.Bank	Sound	Mediocre	Exceptional	Sound	Strong	$2,595Fees	0.298%Above	334
40	Unitus Community Credit UnionCredit Union	Sound	Acceptable	—	Sound	Strong	$2,272Fees	0.189%Above	111
41	Commerce Home Mortgage, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$4,238Fees	0.415%Above	97
42	WASHINGTON FEDERAL BANKBank	Sound	Mediocre	Exceptional	Sound	Strong	$4,756Fees	0.359%Above	94
43	AgWest Farm Credit, FLCAIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$4,666Fees	0.338%Above	86

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.