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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 VA 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
1	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,243	+0.099%	3,302
2	NBKC BANK	Exceptional	Exceptional	Exceptional	Strong	Strong	$547	-0.138%	115
3	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Exceptional	$952	+0.049%	825
4	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,082	-0.591%	211
5	KeyBank National Association	Exceptional	Exceptional	Strong	Strong	Strong	$2,551	+0.033%	204
6	CMG MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,195	+0.193%	1,157
7	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,201	+0.127%	542
8	GUARANTEED RATE, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$3,428	+0.177%	512
9	KIND LENDING, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$3,211	+0.270%	418
10	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,479	-0.023%	362
11	AMERICAN FINANCIAL NETWORK, INC.	Exceptional	Strong	Exceptional	Strong	Strong	-$300	+0.449%	98
12	ONPOINT COMMUNITY CREDIT UNION	Exceptional	Strong	Strong	Sound	Exceptional	$1,417	+0.063%	1,652
13	NEWREZ LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,879	+0.284%	819
14	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,927	+0.236%	753
15	MOVEMENT MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$4,322	+0.442%	636
16	JPMorgan Chase Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$2,598	+0.131%	500
17	ROGUE CREDIT UNION	Exceptional	Strong	Strong	Sound	Exceptional	$1,745	-0.285%	486
18	PRIMELENDING, A PLAINSCAPITAL COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$4,487	+0.358%	179
19	USAA Federal Savings Bank	Exceptional	Strong	Exceptional	Sound	Strong	$2,139	-0.159%	161
20	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,086	+0.312%	123
21	RESICENTRAL, LLC	Exceptional	Strong	Strong	Strong	Strong	$2,277	+0.093%	89
22	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,190	+0.178%	2,353
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,826	+0.411%	909
24	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$3,445	+0.201%	515
25	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$2,595	+0.298%	334
26	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$3,636	+0.210%	321
27	Paramount Residential Mortgage Group, Inc.	Strong	Sound	Exceptional	Strong	Strong	$3,645	+0.491%	228
28	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$3,055	+0.234%	187
29	SAMMAMISH MORTGAGE COMPANY	Strong	Strong	Strong	Sound	Strong	$1,686	-0.122%	111
30	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Strong	$3,263	+0.265%	107
31	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,661	+0.290%	3,081
32	NATIONS DIRECT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,060	+0.214%	1,166
33	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,136	+0.473%	973
34	Wells Fargo Bank, National Association	Strong	Sound	Exceptional	Sound	Strong	$2,490	+0.022%	369
35	Umpqua Bank	Strong	Acceptable	Strong	Strong	Exceptional	$3,020	+0.276%	683
36	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,718	+0.322%	528
37	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,646	+0.094%	367
38	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$3,709	+0.514%	345
39	Banner Bank	Strong	Sound	Strong	Sound	Strong	$3,531	+0.106%	243
40	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,409	+0.113%	225
41	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,230	+0.266%	190
42	GOLDEN EMPIRE MORTGAGE, INC.	Strong	Acceptable	Strong	Exceptional	Strong	$5,540	+0.615%	102
43	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,118	+0.146%	89
44	SUMMIT FUNDING, INC.	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,739	+0.581%	681
45	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,114	+0.485%	570
46	Synergy One Lending, Inc.	Strong	Acceptable	Strong	Strong	Strong	$4,894	+0.357%	309
47	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Strong	Strong	Strong	$4,012	+0.177%	227
48	LPMC, LLC	Strong	Acceptable	Sound	Strong	Exceptional	$3,801	+0.346%	212
49	Sunflower Bank, National Association	Strong	Acceptable	Strong	Strong	Strong	$4,264	+0.296%	156
50	ENVOY MORTGAGE, LTD	Strong	Acceptable	Exceptional	Sound	Strong	$3,418	+0.237%	104

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.

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