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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 Mortgage Company Lenders in Oregon
Updated February 6, 2026
Market Overview
50
Total Lenders
32,143
Total Loans
0.35%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,419 | -0.057% | 375 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,243 | +0.099% | 3,302 | |
3 | SAMMAMISH MORTGAGE COMPANY | Strong | Strong | Strong | Strong | $1,686 | -0.122% | 111 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $3,927 | +0.236% | 753 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,086 | +0.312% | 123 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,661 | +0.290% | 3,081 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,190 | +0.178% | 2,353 | |
8 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,195 | +0.193% | 1,157 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $4,826 | +0.411% | 909 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,201 | +0.127% | 542 | |
11 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,428 | +0.177% | 512 | |
12 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,479 | -0.023% | 362 | |
13 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $4,409 | +0.113% | 225 | |
14 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,060 | +0.214% | 1,166 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $5,136 | +0.473% | 973 | |
16 | MORTGAGE EXPRESS, LLC | Strong | Acceptable | Strong | Exceptional | $3,873 | +0.386% | 964 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,322 | +0.442% | 636 | |
18 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $5,191 | +0.391% | 428 | |
19 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,709 | +0.514% | 345 | |
20 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,777 | +0.246% | 222 | |
21 | LPMC, LLC | Strong | Acceptable | Strong | Exceptional | $3,801 | +0.346% | 212 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $3,055 | +0.234% | 187 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $4,487 | +0.358% | 179 | |
24 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,118 | +0.146% | 89 | |
25 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $2,277 | +0.093% | 89 | |
26 | NEWREZ LLC | Strong | Acceptable | Sound | Exceptional | $2,879 | +0.284% | 819 | |
27 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | $5,739 | +0.581% | 681 | |
28 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $5,114 | +0.485% | 570 | |
29 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,718 | +0.322% | 528 | |
30 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $3,445 | +0.201% | 515 | |
31 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $3,211 | +0.270% | 418 | |
32 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $3,646 | +0.094% | 367 | |
33 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,636 | +0.210% | 321 | |
34 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | $4,894 | +0.357% | 309 | |
35 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,645 | +0.491% | 228 | |
36 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $4,012 | +0.177% | 227 | |
37 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,230 | +0.266% | 190 | |
38 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,460 | +0.358% | 188 | |
39 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | $2,579 | +0.129% | 123 | |
40 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | -$300 | +0.449% | 98 | |
41 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Strong | Strong | $4,238 | +0.415% | 97 | |
42 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Sound | Mediocre | Exceptional | Strong | $5,272 | +0.532% | 384 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,236 | +0.530% | 308 | |
44 | SUMMIT MORTGAGE CORPORATION | Sound | Acceptable | Sound | Strong | $3,404 | +0.238% | 217 | |
45 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Acceptable | Sound | Strong | $3,151 | +0.327% | 174 | |
46 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Strong | $3,418 | +0.237% | 104 | |
47 | GOLDEN EMPIRE MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | $5,540 | +0.615% | 102 | |
48 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | $4,576 | +0.479% | 231 | |
49 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | $5,713 | +0.592% | 169 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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