Safe Rate Rankings

Best Conventional Mortgage Lenders in Salem

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders71

Total Loans3,767

Median Rate Spread0.24%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ONPOINT COMMUNITY CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,545Fees	0.084%Above	93
2	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$969Fees	0.168%Above	43
3	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$2,781Fees	0.020%Below	40
4	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$2,766Fees	0.138%Above	26
5	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$784Fees	0.683%Below	23
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,745Fees	0.159%Above	282
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,456Fees	0.047%Above	262
8	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$5,189Fees	0.166%Above	69
9	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,873Fees	0.163%Above	60
10	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,891Fees	0.073%Above	49
11	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,355Fees	0.190%Above	24
12	Bank of America, National AssociationBank	Strong	Strong	Exceptional	Strong	Acceptable	$1,543Fees	0.100%Above	10
13	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,796Fees	0.352%Above	389
14	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,553Fees	0.183%Above	60
15	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,712Fees	0.122%Above	24
16	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,727Fees	0.085%Above	13
17	NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,349Fees	0.275%Above	162
18	Synergy One Lending, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$4,899Fees	0.266%Above	145
19	MORTGAGE EXPRESS, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$4,043Fees	0.492%Above	88
20	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,531Fees	0.622%Above	78
21	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,691Fees	0.088%Above	71
22	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,768Fees	0.065%Below	66
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,027Fees	0.484%Above	62
24	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,383Fees	0.414%Above	58
25	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,425Fees	0.069%Above	52
26	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,109Fees	0.481%Above	41
27	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,264Fees	0.227%Above	39
28	Oregon State Credit UnionCredit Union	Strong	Sound	Sound	Strong	Strong	$1,839Fees	0.115%Above	39
29	FIRST TECHNOLOGY FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Strong	Sound	Strong	$2,328Fees	0.027%Above	38
30	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,266Fees	0.236%Above	102
31	Umpqua BankBank	Strong	Acceptable	Strong	Strong	Strong	$3,402Fees	0.146%Above	64
32	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,552Fees	0.213%Above	34
33	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,249Fees	0.291%Above	33
34	RESICENTRAL, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,591Fees	0.082%Above	27
35	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,274Fees	0.303%Above	26
36	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$329Credit	0.362%Above	24
37	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,458Fees	0.592%Above	21
38	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,368Fees	0.308%Above	20
39	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,612Fees	0.270%Above	14
40	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$4,537Fees	0.316%Above	13
41	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$5,821Fees	0.527%Below	12
42	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,848Fees	0.494%Above	46
43	EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,352Fees	0.666%Above	44
44	MARION AND POLK SCHOOLS CREDIT UNIONCredit Union	Strong	Sound	Acceptable	Sound	Strong	$1,642Fees	0.359%Above	38
45	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,856Fees	0.753%Above	22
46	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$5,499Fees	0.457%Above	22
47	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,582Fees	0.165%Below	16
48	MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,295Fees	0.341%Above	12
49	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,038Fees	0.335%Above	10
50	OREGON COMMUNITYCredit Union	Sound	Acceptable	Sound	Sound	Strong	$2,890Fees	0.481%Above	26

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.