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