🛡️

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 Company Lenders in Oregon

Updated February 6, 2026

Market Overview

Total Lenders

41,901

Total Loans

0.26%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,419	-0.057%	375
2	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,927	+0.236%	753
3	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,243	+0.099%	3,302
4	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,190	+0.178%	2,353
5	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$3,636	+0.210%	321
6	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Strong	$4,409	+0.113%	225
7	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$3,055	+0.234%	187
8	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$2,086	+0.312%	123
9	SAMMAMISH MORTGAGE COMPANY	Strong	Strong	Strong	Sound	Strong	$1,686	-0.122%	111
10	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,661	+0.290%	3,081
11	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,195	+0.193%	1,157
12	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,136	+0.473%	973
13	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,826	+0.411%	909
14	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,201	+0.127%	542
15	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,777	+0.246%	222
16	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,118	+0.146%	89
17	NATIONS DIRECT MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$3,060	+0.214%	1,166
18	MORTGAGE EXPRESS, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$3,873	+0.386%	964
19	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$2,879	+0.284%	819
20	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,322	+0.442%	636
21	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,445	+0.201%	515
22	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,428	+0.177%	512
23	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,211	+0.270%	418
24	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,646	+0.094%	367
25	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,479	-0.023%	362
26	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$3,709	+0.514%	345
27	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,645	+0.491%	228
28	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,230	+0.266%	190
29	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$4,487	+0.358%	179
30	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	-$300	+0.449%	98
31	Commerce Home Mortgage, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$4,238	+0.415%	97
32	RESICENTRAL, LLC	Strong	Sound	Strong	Sound	Strong	$2,277	+0.093%	89
33	SUMMIT FUNDING, INC.	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,739	+0.581%	681
34	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,114	+0.485%	570
35	Synergy One Lending, Inc.	Strong	Acceptable	Strong	Strong	Strong	$4,894	+0.357%	309
36	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,236	+0.530%	308
37	CANOPY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,460	+0.358%	188
38	MASON MCDUFFIE MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$3,151	+0.327%	174
39	SCENIC OAKS FUNDING, LLC	Strong	Acceptable	Strong	Strong	Strong	$2,579	+0.129%	123
40	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$1,718	+0.322%	528
41	PACIFIC RESIDENTIAL MORTGAGE, LLC	Strong	Mediocre	Strong	Strong	Exceptional	$5,191	+0.391%	428
42	EVERGREEN MONEYSOURCE MORTGAGE COMPANY	Strong	Mediocre	Exceptional	Strong	Strong	$5,272	+0.532%	384
43	CHURCHILL MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$4,576	+0.479%	231
44	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Strong	Sound	Strong	$4,012	+0.177%	227
45	Luminate Home Loans, Inc.	Strong	Mediocre	Exceptional	Strong	Strong	$5,713	+0.592%	169
46	PREMIER MORTGAGE RESOURCES, L.L.C.	Strong	Mediocre	Exceptional	Strong	Strong	$4,386	+0.414%	150
47	ENVOY MORTGAGE, LTD	Strong	Acceptable	Strong	Sound	Strong	$3,418	+0.237%	104
48	GOLDEN EMPIRE MORTGAGE, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$5,540	+0.615%	102
49	SUMMIT MORTGAGE CORPORATION	Sound	Acceptable	Sound	Sound	Strong	$3,404	+0.238%	217

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.

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

OregonConventional

No credit impact

3-minute process

100% free