🛡️

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 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	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,243	+0.099%	3,302
2	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,479	-0.023%	362
3	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,086	+0.312%	123
4	NATIONS DIRECT MORTGAGE, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,060	+0.214%	1,166
5	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,927	+0.236%	753
6	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$2,201	+0.127%	542
7	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,190	+0.178%	2,353
8	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,826	+0.411%	909
9	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Exceptional	$2,879	+0.284%	819
10	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$3,445	+0.201%	515
11	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,211	+0.270%	418
12	LPMC, LLC	Strong	Sound	Strong	Strong	Exceptional	$3,801	+0.346%	212
13	RESICENTRAL, LLC	Strong	Strong	Strong	Sound	Strong	$2,277	+0.093%	89
14	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,661	+0.290%	3,081
15	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,195	+0.193%	1,157
16	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,709	+0.514%	345
17	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,777	+0.246%	222
18	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,487	+0.358%	179
19	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,118	+0.146%	89
20	MORTGAGE EXPRESS, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$3,873	+0.386%	964
21	SUMMIT FUNDING, INC.	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$5,739	+0.581%	681
22	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,322	+0.442%	636
23	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$5,114	+0.485%	570
24	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,428	+0.177%	512
25	PACIFIC RESIDENTIAL MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$5,191	+0.391%	428
26	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,646	+0.094%	367
27	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,636	+0.210%	321
28	Synergy One Lending, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$4,894	+0.357%	309
29	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,645	+0.491%	228
30	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,012	+0.177%	227
31	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,409	+0.113%	225
32	CANOPY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,460	+0.358%	188
33	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	-$300	+0.449%	98
34	Commerce Home Mortgage, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$4,238	+0.415%	97
35	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,136	+0.473%	973
36	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$1,718	+0.322%	528
37	EVERGREEN MONEYSOURCE MORTGAGE COMPANY	Strong	Mediocre	Exceptional	Exceptional	Strong	$5,272	+0.532%	384
38	SUMMIT MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$3,404	+0.238%	217
39	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Strong	$3,055	+0.234%	187
40	MASON MCDUFFIE MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$3,151	+0.327%	174
41	SCENIC OAKS FUNDING, LLC	Strong	Acceptable	Strong	Strong	Strong	$2,579	+0.129%	123
42	ENVOY MORTGAGE, LTD	Strong	Acceptable	Exceptional	Sound	Strong	$3,418	+0.237%	104
43	GOLDEN EMPIRE MORTGAGE, INC.	Strong	Mediocre	Exceptional	Exceptional	Strong	$5,540	+0.615%	102
44	CHURCHILL MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$4,576	+0.479%	231
45	NATIONSTAR MORTGAGE LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,230	+0.266%	190
46	Luminate Home Loans, Inc.	Strong	Mediocre	Exceptional	Strong	Strong	$5,713	+0.592%	169
47	PREMIER MORTGAGE RESOURCES, L.L.C.	Strong	Mediocre	Exceptional	Strong	Strong	$4,386	+0.414%	150
48	NEW AMERICAN FUNDING, LLC	Sound	Mediocre	Exceptional	Sound	Strong	$3,236	+0.530%	308
49	PANORAMA MORTGAGE GROUP, LLC	Sound	Mediocre	Strong	Strong	Strong	$5,269	+0.473%	232

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

OregonFHA

No credit impact

3-minute process

100% free