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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 Lenders in Salem
Updated February 5, 2026
Market Overview
71
Total Lenders
3,767
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | ONPOINT COMMUNITY CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $1,545 | +0.084% | 93 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,456 | +0.047% | 262 | |
3 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $969 | +0.168% | 43 | |
4 | KeyBank National Association | Strong | Strong | Strong | Strong | $2,781 | -0.020% | 40 | |
5 | FIRST TECHNOLOGY FEDERAL CREDIT UNION | Strong | Strong | Strong | Strong | $2,328 | +0.027% | 38 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $2,766 | +0.138% | 26 | |
7 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $784 | -0.683% | 23 | |
8 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,796 | +0.352% | 389 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,745 | +0.159% | 282 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,768 | -0.065% | 66 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,873 | +0.163% | 60 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,553 | +0.183% | 60 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,891 | +0.073% | 49 | |
14 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,264 | +0.227% | 39 | |
15 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,355 | +0.190% | 24 | |
16 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,349 | +0.275% | 162 | |
17 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Exceptional | $4,899 | +0.266% | 145 | |
18 | MORTGAGE EXPRESS, LLC | Strong | Acceptable | Strong | Exceptional | $4,043 | +0.492% | 88 | |
19 | LPMC, LLC | Strong | Acceptable | Strong | Exceptional | $3,516 | +0.393% | 85 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,691 | +0.088% | 71 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $5,027 | +0.484% | 62 | |
22 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $5,383 | +0.414% | 58 | |
23 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $5,109 | +0.481% | 41 | |
24 | Oregon State Credit Union | Strong | Sound | Sound | Strong | $1,839 | +0.115% | 39 | |
25 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $4,712 | +0.122% | 24 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,531 | +0.622% | 78 | |
27 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $5,189 | +0.166% | 69 | |
28 | Umpqua Bank | Strong | Acceptable | Strong | Strong | $3,402 | +0.146% | 64 | |
29 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $4,425 | +0.069% | 52 | |
30 | MARION AND POLK SCHOOLS CREDIT UNION | Strong | Sound | Acceptable | Strong | $1,642 | +0.359% | 38 | |
31 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $5,750 | +0.382% | 34 | |
32 | RESICENTRAL, LLC | Strong | Sound | Sound | Sound | $2,591 | +0.082% | 27 | |
33 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,266 | +0.236% | 102 | |
34 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Sound | Mediocre | Exceptional | Strong | $4,352 | +0.666% | 44 | |
35 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $3,552 | +0.213% | 34 | |
36 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $3,249 | +0.291% | 33 | |
37 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $3,274 | +0.303% | 26 | |
38 | OREGON COMMUNITY | Sound | Acceptable | Sound | Strong | $2,890 | +0.481% | 26 | |
39 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | -$329 | +0.362% | 24 | |
40 | CANOPY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $5,499 | +0.457% | 22 | |
41 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $3,458 | +0.592% | 21 | |
42 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $4,368 | +0.308% | 20 | |
43 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | $4,848 | +0.494% | 46 | |
44 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $3,856 | +0.753% | 22 | |
45 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Sound | $6,886 | +0.820% | 21 | |
46 | PANORAMA MORTGAGE GROUP, LLC | Sound | Mediocre | Sound | Strong | $6,734 | +0.434% | 47 | |
47 | Willamette Valley Bank | Sound | Mediocre | Strong | Sound | $6,430 | +0.341% | 24 | |
48 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | $6,473 | +0.482% | 23 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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