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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 Lenders in Portland

Updated February 5, 2026

Market Overview

Total Lenders

6,357

Total Loans

0.26%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	Bangor Savings Bank	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$1,332	-0.065%	462
2	TOWN & COUNTRY FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	Exceptional	$497	-0.067%	129
3	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$314	-0.404%	62
4	Leader Bank, National Association	Exceptional	Exceptional	Exceptional	Strong	Sound	$1,079	+0.080%	21
5	The Camden National Bank	Exceptional	Strong	Strong	Strong	Exceptional	$832	+0.099%	304
6	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$558	+0.044%	109
7	Androscoggin Savings Bank	Exceptional	Strong	Sound	Strong	Exceptional	$1,753	+0.103%	164
8	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,950	-0.081%	40
9	KeyBank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$2,515	+0.086%	27
10	NORTHEAST HOME LOAN, LLC	Exceptional	Strong	Strong	Exceptional	Sound	$1,425	+0.738%	25
11	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Sound	Sound	$306	-0.456%	24
12	MEGASTAR FINANCIAL CORP.	Exceptional	Exceptional	Strong	Sound	Sound	-$7,098	+0.510%	20
13	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,446	+0.345%	778
14	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,979	+0.344%	340
15	HARBORONE MORTGAGE, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,430	+0.161%	120
16	Bath Savings Institution	Strong	Strong	Sound	Sound	Exceptional	$1,275	-0.436%	104
17	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,069	+0.185%	61
18	Citizens Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,416	+0.021%	25
19	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,844	-0.007%	23
20	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,105	+0.405%	642
21	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,645	+0.283%	543
22	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$1,859	+0.263%	44
23	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Sound	$2,382	+0.224%	42
24	Empeople Credit Union	Strong	Strong	Strong	Sound	Sound	$1,084	-0.367%	24
25	Manufacturers and Traders Trust Company	Strong	Sound	Exceptional	Strong	Sound	$1,868	+0.050%	22
26	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$1,438	-0.222%	21
27	NORTHPOINT MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$2,775	+0.407%	162
28	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,154	+0.355%	160
29	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,457	+0.507%	104
30	TOTAL MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,791	+0.543%	104
31	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,494	+0.698%	84
32	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,828	+0.218%	82
33	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,254	+0.380%	68
34	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,537	+0.356%	57
35	TD Bank, National Association	Strong	Sound	Strong	Sound	Strong	$653	+0.344%	55
36	CUSO MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$1,950	+0.504%	53
37	Norway Savings Bank	Strong	Strong	Sound	Acceptable	Strong	$1,042	+0.218%	46
38	Kennebec Savings Bank	Strong	Sound	Strong	Sound	Strong	$0	+0.591%	36
39	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Sound	$889	+0.021%	24
40	Servion, Inc.	Strong	Sound	Strong	Strong	Sound	$914	+0.557%	16
41	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,034	+0.351%	151
42	NORTHEAST CREDIT UNION	Strong	Sound	Sound	Sound	Strong	$1,122	+0.248%	71
43	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,943	+0.250%	60
44	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Sound	$2,280	+0.641%	48
45	EMM LOANS LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,956	+0.384%	33
46	SACO VALLEY CREDIT UNION	Strong	Sound	Acceptable	Strong	Strong	$769	+0.260%	32
47	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,068	+0.150%	29
48	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,189	+0.164%	17
49	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$2,823	+0.435%	15
50	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$821	+0.460%	57

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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