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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 FHA 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,456 | +0.047% | 262 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,768 | -0.065% | 66 | |
3 | KeyBank National Association | Exceptional | Exceptional | Strong | Sound | Strong | $2,781 | -0.020% | 40 | |
4 | NATIONS DIRECT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,349 | +0.275% | 162 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,553 | +0.183% | 60 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,745 | +0.159% | 282 | |
7 | LPMC, LLC | Strong | Sound | Strong | Strong | Exceptional | $3,516 | +0.393% | 85 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,873 | +0.163% | 60 | |
9 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $5,821 | -0.527% | 12 | |
10 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,796 | +0.352% | 389 | |
11 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,899 | +0.266% | 145 | |
12 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,266 | +0.236% | 102 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,027 | +0.484% | 62 | |
14 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,383 | +0.414% | 58 | |
15 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,552 | +0.213% | 34 | |
16 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $3,249 | +0.291% | 33 | |
17 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,274 | +0.303% | 26 | |
18 | MORTGAGE EXPRESS, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,043 | +0.492% | 88 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,691 | +0.088% | 71 | |
20 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $5,189 | +0.166% | 69 | |
21 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,425 | +0.069% | 52 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,109 | +0.481% | 41 | |
23 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,264 | +0.227% | 39 | |
24 | Umpqua Bank | Strong | Acceptable | Strong | Strong | Strong | $3,402 | +0.146% | 64 | |
25 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,352 | +0.666% | 44 | |
26 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $5,750 | +0.382% | 34 | |
27 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | -$329 | +0.362% | 24 | |
28 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,712 | +0.122% | 24 | |
29 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,458 | +0.592% | 21 | |
30 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $6,600 | +0.132% | 15 | |
31 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $6,693 | +1.062% | 12 | |
32 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,283 | +0.106% | 11 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,531 | +0.622% | 78 | |
34 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,848 | +0.494% | 46 | |
35 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $6,886 | +0.820% | 21 | |
36 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,958 | +0.515% | 17 | |
37 | PANORAMA MORTGAGE GROUP, LLC | Sound | Mediocre | Strong | Strong | Strong | $6,734 | +0.434% | 47 | |
38 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $6,473 | +0.482% | 23 | |
39 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,368 | +0.308% | 20 | |
40 | Willamette Valley Bank | Sound | Mediocre | Strong | Strong | Sound | $6,430 | +0.341% | 24 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,856 | +0.753% | 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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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