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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 Conventional Mortgage Lenders in Salem

Updated February 5, 2026

Market Overview

Total Lenders

3,767

Total Loans

0.24%

Median Rate Spread

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

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