# Best FHA Mortgage Lenders in Portland

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

Compare the top FHA mortgage lenders in Portland. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 2,496 | Independent Mortgage Company |
| 2 | ONPOINT COMMUNITY CREDIT UNION | 85 | 74 | 69 | 1,479 | Credit Union |
| 3 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 192 | Independent Mortgage Company |
| 4 | RESIDENTIAL MORTGAGE, LLC | 85 | 63 | 84 | 62 | Independent Mortgage Company |
| 5 | NATIONS DIRECT MORTGAGE, LLC | 83 | 46 | 68 | 939 | Independent Mortgage Company |
| 6 | U.S. Bank National Association | 83 | 65 | 60 | 587 | Bank |
| 7 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 1,243 | Independent Mortgage Company |
| 8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 640 | Independent Mortgage Company |
| 9 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 347 | Independent Mortgage Company |
| 10 | THE LOAN STORE, INC. | 79 | 49 | 72 | 276 | Independent Mortgage Company |
| 11 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 231 | Independent Mortgage Company |
| 12 | Flagstar Bank, N.A. | 79 | 58 | 71 | 197 | Bank |
| 13 | KIND LENDING, LLC | 79 | 55 | 71 | 135 | Independent Mortgage Company |
| 14 | KeyBank National Association | 79 | 83 | 59 | 120 | Bank |
| 15 | NBKC BANK | 79 | 88 | 54 | 97 | Bank |
| 16 | CLM MORTGAGE, INC. | 79 | 44 | 82 | 82 | Independent Mortgage Company |
| 17 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 61 | 79 | 75 | Independent Mortgage Company |
| 18 | Prosperity Home Mortgage, LLC | 79 | 63 | 72 | 55 | Independent Mortgage Company |
| 19 | GUILD MORTGAGE COMPANY LLC | 75 | 29 | 80 | 1,873 | Independent Mortgage Company |
| 20 | CMG MORTGAGE, INC. | 75 | 32 | 79 | 886 | Independent Mortgage Company |
| 21 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 229 | Independent Mortgage Company |
| 22 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 82 | 149 | Independent Mortgage Company |
| 23 | CORNERSTONE CAPITAL BANK, SSB | 75 | 30 | 85 | 106 | Bank |
| 24 | NFM, INC. | 75 | 40 | 83 | 91 | Independent Mortgage Company |
| 25 | Banner Bank | 74 | 71 | 57 | 79 | Bank |
| 26 | NEWREZ LLC | 73 | 52 | 56 | 348 | Independent Mortgage Company |
| 27 | Bank of England | 73 | 45 | 70 | 65 | Bank |
| 28 | Plains Commerce Bank | 73 | 47 | 66 | 59 | Bank |
| 29 | MORTGAGE EXPRESS, LLC | 71 | 31 | 72 | 691 | Independent Mortgage Company |
| 30 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 489 | Independent Mortgage Company |
| 31 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 324 | Independent Mortgage Company |
| 32 | PACIFIC RESIDENTIAL MORTGAGE, LLC | 71 | 34 | 71 | 293 | Independent Mortgage Company |
| 33 | SUMMIT MORTGAGE CORPORATION | 71 | 31 | 70 | 291 | Independent Mortgage Company |
| 34 | ZILLOW HOME LOANS, LLC | 71 | 34 | 67 | 230 | Independent Mortgage Company |
| 35 | BAY EQUITY LLC | 71 | 37 | 72 | 185 | Independent Mortgage Company |
| 36 | Paramount Residential Mortgage Group, Inc. | 71 | 33 | 72 | 175 | Independent Mortgage Company |
| 37 | Sierra Pacific Mortgage Company, Inc. | 71 | 33 | 75 | 173 | Independent Mortgage Company |
| 38 | PLAZA HOME MORTGAGE, INC. | 71 | 30 | 65 | 170 | Independent Mortgage Company |
| 39 | CANOPY MORTGAGE, LLC | 71 | 21 | 70 | 92 | Independent Mortgage Company |
| 40 | Sunflower Bank, National Association | 71 | 39 | 72 | 84 | Bank |
| 41 | Wells Fargo Bank, National Association | 69 | 57 | 42 | 265 | Bank |
| 42 | HomeStreet Bank | 69 | 41 | 58 | 152 | Bank |
| 43 | Umpqua Bank | 67 | 24 | 63 | 171 | Bank |
| 44 | SCENIC OAKS FUNDING, LLC | 67 | 23 | 78 | 132 | Independent Mortgage Company |
| 45 | MASON MCDUFFIE MORTGAGE CORPORATION | 67 | 29 | 77 | 101 | Independent Mortgage Company |
| 46 | Mortgage Research Center, LLC | 66 | 34 | 54 | 203 | Independent Mortgage Company |
| 47 | MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 36 | 56 | 103 | Independent Mortgage Company |
| 48 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 38 | 79 | 84 | Independent Mortgage Company |
| 49 | Synergy One Lending, Inc. | 66 | 20 | 75 | 69 | Independent Mortgage Company |
| 50 | Commerce Home Mortgage, Inc. | 66 | 27 | 73 | 67 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.