# Best Mortgage Lenders in Portland

**As of:** 2026-05-30

Compare the top mortgage lenders in Portland. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/portland/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 172
- **Total Loans:** 25,831
- **Median Rate Spread:** 0.23462874251497007%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | ONPOINT COMMUNITY CREDIT UNION | 86 | 72 | 74 | 1,479 | Credit Union |
| 2 | U.S. Bank National Association | 86 | 75 | 71 | 587 | Bank |
| 3 | FIRST TECHNOLOGY FEDERAL CREDIT UNION | 86 | 60 | 63 | 309 | Credit Union |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 2,496 | Independent Mortgage Company |
| 5 | Bank of America, National Association | 80 | 73 | 75 | 154 | Bank |
| 6 | KeyBank National Association | 80 | 71 | 69 | 120 | Bank |
| 7 | SAMMAMISH MORTGAGE COMPANY | 80 | 78 | 64 | 97 | Independent Mortgage Company |
| 8 | PROVIDENT FUNDING ASSOCIATES, L.P. | 78 | 83 | 55 | 333 | Independent Mortgage Company |
| 9 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 128 | Credit Union |
| 10 | NBKC BANK | 78 | 91 | 59 | 97 | Bank |
| 11 | Morgan Stanley Private Bank, National Association | 78 | 94 | 66 | 64 | Bank |
| 12 | RESIDENTIAL MORTGAGE, LLC | 78 | 46 | 85 | 62 | Independent Mortgage Company |
| 13 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 1,873 | Independent Mortgage Company |
| 14 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 1,243 | Independent Mortgage Company |
| 15 | CMG MORTGAGE, INC. | 74 | 33 | 81 | 886 | Independent Mortgage Company |
| 16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 640 | Independent Mortgage Company |
| 17 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 489 | Independent Mortgage Company |
| 18 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 347 | Independent Mortgage Company |
| 19 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 343 | Bank |
| 20 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 265 | Bank |
| 21 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 231 | Independent Mortgage Company |
| 22 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 192 | Independent Mortgage Company |
| 23 | BAY EQUITY LLC | 73 | 43 | 65 | 185 | Independent Mortgage Company |
| 24 | iQ Credit Union | 73 | 69 | 42 | 98 | Credit Union |
| 25 | Yakima Federal Savings and Loan Association | 73 | 67 | 54 | 72 | Bank |
| 26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 71 | 46 | 83 | 75 | Independent Mortgage Company |
| 27 | NATIONS DIRECT MORTGAGE, LLC | 68 | 38 | 74 | 939 | Independent Mortgage Company |
| 28 | MORTGAGE EXPRESS, LLC | 68 | 22 | 69 | 691 | Independent Mortgage Company |
| 29 | PACIFIC RESIDENTIAL MORTGAGE, LLC | 68 | 21 | 66 | 293 | Independent Mortgage Company |
| 30 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 324 | Independent Mortgage Company |
| 31 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 229 | Independent Mortgage Company |
| 32 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 68 | 26 | 83 | 149 | Independent Mortgage Company |
| 33 | NFM, INC. | 68 | 23 | 87 | 91 | Independent Mortgage Company |
| 34 | Boeing Employees Credit Union | 66 | 66 | 57 | 59 | Credit Union |
| 35 | COLUMBIA COMMUNITY CREDIT UNION | 66 | 59 | 48 | 116 | Credit Union |
| 36 | MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 57 | 57 | 103 | Independent Mortgage Company |
| 37 | USAA Federal Savings Bank | 66 | 54 | 45 | 85 | Bank |
| 38 | Banner Bank | 66 | 40 | 45 | 79 | Bank |
| 39 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 536 | Independent Mortgage Company |
| 40 | THE LOAN STORE, INC. | 63 | 40 | 77 | 276 | Independent Mortgage Company |
| 41 | ZILLOW HOME LOANS, LLC | 63 | 31 | 63 | 230 | Independent Mortgage Company |
| 42 | Mortgage Research Center, LLC | 63 | 34 | 70 | 203 | Independent Mortgage Company |
| 43 | Flagstar Bank, N.A. | 63 | 40 | 76 | 197 | Bank |
| 44 | Paramount Residential Mortgage Group, Inc. | 63 | 27 | 72 | 175 | Independent Mortgage Company |
| 45 | Sierra Pacific Mortgage Company, Inc. | 63 | 32 | 80 | 173 | Independent Mortgage Company |
| 46 | Umpqua Bank | 63 | 29 | 65 | 171 | Bank |
| 47 | PLAZA HOME MORTGAGE, INC. | 63 | 36 | 69 | 170 | Independent Mortgage Company |
| 48 | HomeStreet Bank | 63 | 29 | 67 | 152 | Bank |
| 49 | KIND LENDING, LLC | 63 | 39 | 73 | 135 | Independent Mortgage Company |
| 50 | SCENIC OAKS FUNDING, LLC | 63 | 22 | 74 | 132 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Portland.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.