Safe Rate Rankings

Best USDA 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.
Total Lenders219
Total Loans41,901
Median Rate Spread0.26%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Exceptional
$3,243Fees
0.099%Above
3,302
2
GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Exceptional
$4,661Fees
0.290%Above
3,081
3
NEWREZ LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Exceptional
$2,879Fees
0.284%Above
819
4
CMG MORTGAGE, INC.Independent Mortgage Company
Exceptional
Sound
Exceptional
Strong
Exceptional
$3,195Fees
0.193%Above
1,157
5
Flagstar Bank, N.A.Bank
Strong
Sound
Exceptional
Sound
Strong
$2,595Fees
0.298%Above
334
6
Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,646Fees
0.094%Above
367
7
FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Exceptional
$4,826Fees
0.411%Above
909
8
Umpqua BankBank
Strong
Acceptable
Sound
Strong
Exceptional
$3,020Fees
0.276%Above
683
9
AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Exceptional
$5,114Fees
0.485%Above
570
10
MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company
Sound
Acceptable
Sound
Acceptable
Strong
$3,151Fees
0.327%Above
174

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.