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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 Mortgage Company Lenders in Portland

Updated February 5, 2026

Market Overview

Total Lenders

4,234

Total Loans

0.38%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	MEGASTAR FINANCIAL CORP.	Exceptional	Exceptional	Strong	Sound	-$7,098	+0.510%	20
2	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$2,446	+0.345%	778
3	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	$2,105	+0.405%	642
4	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Exceptional	$2,645	+0.283%	543
5	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,979	+0.344%	340
6	HARBORONE MORTGAGE, LLC	Strong	Sound	Strong	Strong	$2,430	+0.161%	120
7	GUARANTEED RATE, INC.	Strong	Sound	Strong	Strong	$1,828	+0.218%	82
8	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Strong	$2,069	+0.185%	61
9	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Sound	$1,859	+0.263%	44
10	NORTHPOINT MORTGAGE, INC.	Strong	Acceptable	Strong	Exceptional	$2,775	+0.407%	162
11	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$2,457	+0.507%	104
12	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$2,254	+0.380%	68
13	CUSO MORTGAGE CORPORATION	Strong	Sound	Sound	Strong	$1,950	+0.504%	53
14	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	$2,280	+0.641%	48
15	SIS BANCORP, MHC	Strong	Sound	Sound	Strong	$1,239	+0.283%	48
16	NORWICH COMMERCIAL GROUP, INC.	Strong	Sound	Strong	Sound	$1,903	+0.437%	29
17	NORTHEAST HOME LOAN, LLC	Strong	Sound	Strong	Sound	$1,425	+0.738%	25
18	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Sound	$889	+0.021%	24
19	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	$3,154	+0.355%	160
20	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Strong	Strong	$3,494	+0.698%	84
21	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$821	+0.460%	57
22	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$4,537	+0.356%	57
23	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Sound	$1,438	-0.222%	21
24	NEW AMERICAN FUNDING, LLC	Sound	Acceptable	Sound	Strong	$2,034	+0.351%	151
25	TOTAL MORTGAGE SERVICES, LLC	Sound	Mediocre	Exceptional	Strong	$3,791	+0.543%	104
26	NEWREZ LLC	Sound	Acceptable	Sound	Strong	$2,943	+0.250%	60
27	EMM LOANS LLC	Sound	Acceptable	Strong	Sound	$1,956	+0.384%	33
28	EMBRACE HOME LOANS, INC.	Sound	Acceptable	Strong	Sound	$1,738	+0.236%	32
29	GUARANTEED RATE AFFINITY, LLC	Sound	Acceptable	Strong	Sound	$4,421	+0.370%	31
30	KIND LENDING, LLC	Sound	Acceptable	Strong	Sound	$2,068	+0.150%	29
31	ENVOY MORTGAGE, LTD	Sound	Acceptable	Sound	Sound	$4,524	+0.397%	32
32	HOMEBRIDGE FINANCIAL SERVICES, INC.	Sound	Acceptable	Sound	Sound	$3,283	+0.585%	22

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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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