Top Mortgage Lenders in Bend, OR

Which mortgage lender in the Bend, OR area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Bend, OR area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Bend, OR area in terms of interest rate is SELCO Community Credit Union, with an average “Rate Difference” of -0.22%. This means that, comparing similar borrowers, SELCO Community Credit Union provided a -0.22% lower interest rate for its customers than other lenders in the area. SELCO Community Credit Union has a market share of 1.3%. On the other hand, the most popular lender in the Bend, OR area is Quicken Loans, with a larger market share of 7.7%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.08% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Bend, OR area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Bend, OR is OnPoint Community Credit Union. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is CMG Financial. The cheapest VA mortgage provider is Caliber Home Loans. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Bend, OR

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
SELCO Community Credit Union-0.22%(4.5)1.29%
OnPoint Community Credit Union-0.22%(4.5)4.20%
Provident Funding-0.18%(4.5)1.77%
Bank of America-0.12%(4.0)1.55%
CMG Financial-0.12%(4.0)2.73%
Washington Trust Bank-0.11%(4.0)0.57%
Nations Direct Mortgage-0.05%(3.5)1.21%
US Bank-0.05%(3.5)2.97%
Fairway Independent Mortgage Corporation-0.05%(3.5)1.57%
loanDepot-0.04%(3.5)5.53%
First Interstate Bank-0.04%(3.5)2.43%
Wells Fargo Bank-0.03%(3.5)4.63%
USAA-0.03%(3.5)1.32%
HomeBridge Financial Services-0.03%(3.5)0.79%
Mortgage Express-0.03%(3.5)0.87%
Northwest Community Credit Union-0.03%(3.5)0.53%
Churchill Mortgage-0.02%(3.5)0.55%
Caliber Home Loans-0.02%(3.5)7.57%
American Pacific Mortgage-0.02%(3.5)2.48%
JPMorgan Chase Bank-0.02%(3.5)2.13%
Directors Mortgage-0.01%(3.5)2.33%
Stearns Home Loans-0.01%(3.5)0.73%
Lakeview Loan Servicing-0.01%(3.5)0.44%
Commerce Home Mortgage-0.01%(3.5)0.47%
Sierra Pacific Mortgage-0.00%(3.5)0.73%
Landmark Professional Mortgage Corporation0.00%(3.5)1.39%
Geneva Financial Home Loans0.00%(3.5)0.43%
New American Funding0.00%(3.5)0.89%
PennyMac Loan Services0.01%(3.5)1.68%
Washington Federal0.02%(3.5)0.53%
Umpqua Bank0.02%(3.5)3.41%
Flagstar Bank0.02%(3.5)1.82%
Guild Mortgage Company0.02%(3.5)5.66%
Carrington Mortgage Services0.03%(3.5)0.44%
Summit Funding Inc0.03%(3.5)1.03%
Freedom Mortgage Corporation0.04%(3.5)0.64%
Premier Mortgage Resources0.05%(3.5)0.78%
HomeStreet Bank0.06%(3.0)0.72%
Golden Empire Mortgage0.06%(3.0)0.69%
Pacific Residential Mortgage0.07%(3.0)1.48%
Finance of America Mortgage0.07%(3.0)2.09%
Evergreen Moneysource Mortgage Company0.08%(3.0)3.22%
Quicken Loans0.08%(3.0)7.68%
Academy Mortgage Corporation Utah0.10%(3.0)4.78%
Mann Mortgage0.11%(3.0)1.95%
Willamette Valley Bank0.12%(3.0)1.25%
PrimeLending0.13%(3.0)5.32%
Mr. Cooper0.15%(2.5)0.73%
Lender NameRate DifferenceRate RatingMarket Share
CMG Financial-0.20%(4.5)2.23%
Bank of America-0.18%(4.5)1.89%
OnPoint Community Credit Union-0.16%(4.5)3.38%
US Bank-0.14%(4.0)2.41%
Provident Funding-0.13%(4.0)0.79%
SELCO Community Credit Union-0.11%(4.0)0.39%
Washington Trust Bank-0.11%(4.0)1.05%
Wells Fargo Bank-0.10%(4.0)5.63%
JPMorgan Chase Bank-0.08%(4.0)2.36%
Nations Direct Mortgage-0.05%(4.0)1.60%
HomeBridge Financial Services-0.05%(3.5)0.76%
PennyMac Loan Services-0.04%(3.5)0.21%
Northwest Community Credit Union-0.03%(3.5)0.45%
First Interstate Bank-0.03%(3.5)2.30%
Churchill Mortgage-0.03%(3.5)0.71%
Mortgage Express-0.03%(3.5)0.92%
Directors Mortgage-0.02%(3.5)2.62%
USAA-0.02%(3.5)1.47%
American Pacific Mortgage-0.02%(3.5)3.06%
Mr. Cooper-0.02%(3.5)0.08%
Lakeview Loan Servicing-0.02%(3.5)0.10%
Stearns Home Loans-0.02%(3.5)1.02%
Umpqua Bank-0.02%(3.5)3.88%
Caliber Home Loans-0.01%(3.5)8.43%
Commerce Home Mortgage-0.01%(3.5)0.71%
Carrington Mortgage Services-0.01%(3.5)0.08%
Freedom Mortgage Corporation-0.01%(3.5)0.10%
Fairway Independent Mortgage Corporation-0.01%(3.5)1.55%
loanDepot-0.00%(3.5)5.24%
Geneva Financial Home Loans0.00%(3.5)0.65%
Guild Mortgage Company0.01%(3.5)6.13%
Landmark Professional Mortgage Corporation0.01%(3.5)1.15%
Washington Federal0.01%(3.5)0.79%
Flagstar Bank0.01%(3.5)1.83%
Quicken Loans0.01%(3.5)2.46%
Sierra Pacific Mortgage0.01%(3.5)0.55%
New American Funding0.03%(3.5)0.94%
Summit Funding Inc0.03%(3.5)1.49%
HomeStreet Bank0.05%(3.5)0.97%
Pacific Residential Mortgage0.05%(3.5)1.57%
Premier Mortgage Resources0.05%(3.0)0.94%
Golden Empire Mortgage0.06%(3.0)0.73%
Evergreen Moneysource Mortgage Company0.07%(3.0)3.82%
Mann Mortgage0.10%(3.0)2.57%
Finance of America Mortgage0.11%(3.0)2.57%
Willamette Valley Bank0.12%(3.0)1.70%
Academy Mortgage Corporation Utah0.12%(3.0)5.89%
PrimeLending0.15%(2.5)7.83%
Lender NameRate DifferenceRate RatingMarket Share
OnPoint Community Credit Union-0.25%(5.0)5.12%
SELCO Community Credit Union-0.24%(4.5)2.30%
Provident Funding-0.20%(4.5)2.89%
loanDepot-0.08%(4.0)5.86%
Fairway Independent Mortgage Corporation-0.08%(4.0)1.59%
CMG Financial-0.06%(4.0)3.30%
Nations Direct Mortgage-0.05%(3.5)0.77%
USAA-0.05%(3.5)1.15%
First Interstate Bank-0.04%(3.5)2.56%
Caliber Home Loans-0.03%(3.5)6.60%
American Pacific Mortgage-0.03%(3.5)1.83%
Mortgage Express-0.03%(3.5)0.82%
New American Funding-0.02%(3.5)0.82%
Northwest Community Credit Union-0.02%(3.5)0.62%
Churchill Mortgage-0.02%(3.5)0.38%
Geneva Financial Home Loans-0.01%(3.5)0.18%
Sierra Pacific Mortgage-0.01%(3.5)0.94%
Bank of America-0.01%(3.5)1.18%
HomeBridge Financial Services-0.01%(3.5)0.82%
Washington Trust Bank-0.01%(3.5)0.03%
Landmark Professional Mortgage Corporation-0.01%(3.5)1.65%
Finance of America Mortgage-0.00%(3.5)1.56%
Stearns Home Loans-0.00%(3.5)0.41%
Lakeview Loan Servicing-0.00%(3.5)0.82%
Directors Mortgage0.00%(3.5)2.00%
Summit Funding Inc0.01%(3.5)0.50%
Commerce Home Mortgage0.01%(3.5)0.21%
PennyMac Loan Services0.01%(3.5)3.33%
US Bank0.02%(3.5)3.59%
Flagstar Bank0.03%(3.5)1.80%
Washington Federal0.03%(3.5)0.24%
Carrington Mortgage Services0.03%(3.5)0.85%
Premier Mortgage Resources0.04%(3.5)0.59%
Guild Mortgage Company0.04%(3.5)5.12%
Freedom Mortgage Corporation0.05%(3.0)1.24%
PrimeLending0.05%(3.0)2.50%
Academy Mortgage Corporation Utah0.06%(3.0)3.53%
JPMorgan Chase Bank0.06%(3.0)1.88%
Golden Empire Mortgage0.06%(3.0)0.65%
Umpqua Bank0.07%(3.0)2.89%
HomeStreet Bank0.08%(3.0)0.44%
Evergreen Moneysource Mortgage Company0.08%(3.0)2.53%
Pacific Residential Mortgage0.09%(3.0)1.38%
Wells Fargo Bank0.09%(3.0)3.50%
Willamette Valley Bank0.10%(3.0)0.74%
Quicken Loans0.10%(3.0)13.55%
Mann Mortgage0.13%(3.0)1.27%
Mr. Cooper0.17%(2.5)1.47%
Lender NameRate DifferenceRate RatingMarket Share
OnPoint Community Credit Union-0.23%(4.5)5.27%
SELCO Community Credit Union-0.23%(4.5)1.74%
Provident Funding-0.19%(4.5)2.37%
Bank of America-0.14%(4.0)1.50%
Washington Trust Bank-0.13%(4.0)0.64%
CMG Financial-0.11%(4.0)3.16%
loanDepot-0.10%(4.0)5.12%
Fairway Independent Mortgage Corporation-0.06%(4.0)1.51%
US Bank-0.05%(3.5)2.84%
Nations Direct Mortgage-0.05%(3.5)1.03%
First Interstate Bank-0.04%(3.5)2.92%
American Pacific Mortgage-0.04%(3.5)2.08%
HomeBridge Financial Services-0.04%(3.5)0.62%
Mortgage Express-0.03%(3.5)0.93%
Stearns Home Loans-0.03%(3.5)0.58%
Northwest Community Credit Union-0.03%(3.5)0.56%
JPMorgan Chase Bank-0.03%(3.5)2.37%
Churchill Mortgage-0.01%(3.5)0.47%
Wells Fargo Bank-0.01%(3.5)4.51%
USAA-0.01%(3.5)0.69%
Caliber Home Loans-0.01%(3.5)7.78%
New American Funding-0.01%(3.5)0.80%
Commerce Home Mortgage-0.01%(3.5)0.45%
Carrington Mortgage Services-0.01%(3.5)0.11%
Directors Mortgage-0.00%(3.5)2.26%
Sierra Pacific Mortgage-0.00%(3.5)0.86%
Geneva Financial Home Loans-0.00%(3.5)0.43%
Landmark Professional Mortgage Corporation0.01%(3.5)1.50%
Washington Federal0.02%(3.5)0.58%
Lakeview Loan Servicing0.02%(3.5)0.24%
Umpqua Bank0.02%(3.5)3.70%
Summit Funding Inc0.02%(3.5)0.88%
Flagstar Bank0.03%(3.5)1.89%
Freedom Mortgage Corporation0.04%(3.5)0.36%
Premier Mortgage Resources0.04%(3.5)0.67%
Golden Empire Mortgage0.06%(3.0)0.58%
PennyMac Loan Services0.06%(3.0)1.20%
Guild Mortgage Company0.06%(3.0)4.81%
HomeStreet Bank0.07%(3.0)0.77%
Finance of America Mortgage0.07%(3.0)2.00%
Pacific Residential Mortgage0.08%(3.0)1.38%
Evergreen Moneysource Mortgage Company0.08%(3.0)3.38%
Quicken Loans0.10%(3.0)8.69%
Mann Mortgage0.11%(3.0)1.44%
Willamette Valley Bank0.13%(3.0)1.33%
Academy Mortgage Corporation Utah0.14%(3.0)4.24%
PrimeLending0.15%(3.0)6.00%
Mr. Cooper0.20%(2.5)0.75%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.22%(4.5)1.78%
CMG Financial-0.20%(4.5)2.37%
US Bank-0.18%(4.5)2.26%
OnPoint Community Credit Union-0.18%(4.5)4.45%
Provident Funding-0.14%(4.0)1.08%
Washington Trust Bank-0.14%(4.0)1.22%
SELCO Community Credit Union-0.12%(4.0)0.56%
Wells Fargo Bank-0.10%(4.0)5.30%
JPMorgan Chase Bank-0.10%(4.0)2.52%
loanDepot-0.06%(4.0)4.75%
PennyMac Loan Services-0.05%(3.5)0.26%
HomeBridge Financial Services-0.04%(3.5)0.70%
American Pacific Mortgage-0.04%(3.5)2.45%
Nations Direct Mortgage-0.04%(3.5)1.41%
First Interstate Bank-0.04%(3.5)2.71%
Stearns Home Loans-0.03%(3.5)0.85%
Northwest Community Credit Union-0.03%(3.5)0.41%
Mortgage Express-0.03%(3.5)1.04%
Directors Mortgage-0.03%(3.5)2.78%
Mr. Cooper-0.02%(3.5)0.11%
Lakeview Loan Servicing-0.02%(3.5)0.11%
Carrington Mortgage Services-0.02%(3.5)0.04%
Umpqua Bank-0.02%(3.5)4.34%
Commerce Home Mortgage-0.02%(3.5)0.70%
Freedom Mortgage Corporation-0.01%(3.5)0.07%
USAA-0.01%(3.5)0.89%
Caliber Home Loans-0.01%(3.5)9.27%
Churchill Mortgage-0.01%(3.5)0.59%
Fairway Independent Mortgage Corporation-0.01%(3.5)1.48%
Geneva Financial Home Loans-0.00%(3.5)0.63%
Washington Federal0.01%(3.5)0.89%
New American Funding0.02%(3.5)0.89%
Quicken Loans0.02%(3.5)2.89%
Flagstar Bank0.02%(3.5)2.04%
Sierra Pacific Mortgage0.03%(3.5)0.56%
Summit Funding Inc0.03%(3.5)1.41%
Premier Mortgage Resources0.04%(3.5)0.85%
Landmark Professional Mortgage Corporation0.04%(3.5)1.15%
Golden Empire Mortgage0.04%(3.5)0.52%
Guild Mortgage Company0.05%(3.0)5.19%
Pacific Residential Mortgage0.06%(3.0)1.30%
HomeStreet Bank0.06%(3.0)1.04%
Evergreen Moneysource Mortgage Company0.07%(3.0)3.93%
Mann Mortgage0.09%(3.0)1.71%
Finance of America Mortgage0.12%(3.0)2.56%
Willamette Valley Bank0.13%(3.0)1.89%
PrimeLending0.18%(2.5)8.98%
Academy Mortgage Corporation Utah0.19%(2.5)5.04%
Lender NameRate DifferenceRate RatingMarket Share
OnPoint Community Credit Union-0.27%(5.0)6.11%
SELCO Community Credit Union-0.24%(4.5)2.94%
Provident Funding-0.20%(4.5)3.70%
loanDepot-0.13%(4.0)5.51%
Fairway Independent Mortgage Corporation-0.12%(4.0)1.55%
Nations Direct Mortgage-0.07%(4.0)0.64%
CMG Financial-0.06%(4.0)3.96%
First Interstate Bank-0.05%(4.0)3.13%
New American Funding-0.04%(3.5)0.72%
Mortgage Express-0.04%(3.5)0.83%
American Pacific Mortgage-0.04%(3.5)1.70%
HomeBridge Financial Services-0.03%(3.5)0.53%
Stearns Home Loans-0.03%(3.5)0.30%
Northwest Community Credit Union-0.03%(3.5)0.72%
Churchill Mortgage-0.03%(3.5)0.34%
Finance of America Mortgage-0.02%(3.5)1.43%
Geneva Financial Home Loans-0.02%(3.5)0.23%
Sierra Pacific Mortgage-0.02%(3.5)1.17%
USAA-0.01%(3.5)0.49%
Washington Trust Bank-0.01%(3.5)0.04%
Caliber Home Loans-0.01%(3.5)6.26%
Summit Funding Inc-0.01%(3.5)0.34%
Landmark Professional Mortgage Corporation-0.01%(3.5)1.85%
Bank of America-0.01%(3.5)1.21%
Carrington Mortgage Services-0.00%(3.5)0.19%
Commerce Home Mortgage0.01%(3.5)0.19%
Directors Mortgage0.03%(3.5)1.73%
Washington Federal0.03%(3.5)0.26%
Lakeview Loan Servicing0.04%(3.5)0.38%
US Bank0.04%(3.5)3.43%
Flagstar Bank0.04%(3.5)1.73%
Freedom Mortgage Corporation0.05%(3.5)0.64%
PrimeLending0.05%(3.0)2.98%
Premier Mortgage Resources0.05%(3.0)0.49%
JPMorgan Chase Bank0.06%(3.0)2.22%
Academy Mortgage Corporation Utah0.06%(3.0)3.43%
Golden Empire Mortgage0.07%(3.0)0.64%
PennyMac Loan Services0.07%(3.0)2.15%
Umpqua Bank0.08%(3.0)3.05%
Guild Mortgage Company0.08%(3.0)4.41%
HomeStreet Bank0.08%(3.0)0.49%
Evergreen Moneysource Mortgage Company0.09%(3.0)2.83%
Pacific Residential Mortgage0.10%(3.0)1.47%
Willamette Valley Bank0.11%(3.0)0.75%
Wells Fargo Bank0.12%(3.0)3.70%
Quicken Loans0.12%(3.0)14.59%
Mann Mortgage0.15%(2.5)1.17%
Mr. Cooper0.22%(2.5)1.40%
Lender NameRate DifferenceRate RatingMarket Share
CMG Financial-0.24%(4.5)2.43%
Nations Direct Mortgage-0.11%(4.0)1.66%
US Bank-0.07%(4.0)0.77%
Quicken Loans-0.07%(4.0)6.00%
First Interstate Bank-0.06%(4.0)0.89%
Guild Mortgage Company-0.06%(4.0)10.60%
Landmark Professional Mortgage Corporation-0.06%(4.0)1.92%
Churchill Mortgage-0.05%(4.0)0.77%
Sierra Pacific Mortgage-0.05%(3.5)0.38%
Caliber Home Loans-0.04%(3.5)5.87%
Fairway Independent Mortgage Corporation-0.03%(3.5)1.92%
Washington Trust Bank-0.03%(3.5)0.51%
Flagstar Bank-0.03%(3.5)0.89%
Mortgage Express-0.03%(3.5)1.02%
Directors Mortgage-0.03%(3.5)2.81%
HomeBridge Financial Services-0.03%(3.5)1.40%
PennyMac Loan Services-0.02%(3.5)2.04%
Provident Funding-0.02%(3.5)0.13%
Stearns Home Loans-0.02%(3.5)1.28%
Umpqua Bank-0.02%(3.5)2.30%
Freedom Mortgage Corporation-0.02%(3.5)1.15%
Mr. Cooper-0.02%(3.5)1.02%
Commerce Home Mortgage-0.01%(3.5)1.02%
HomeStreet Bank-0.01%(3.5)0.77%
OnPoint Community Credit Union-0.00%(3.5)0.38%
Carrington Mortgage Services0.01%(3.5)2.17%
American Pacific Mortgage0.02%(3.5)3.45%
Geneva Financial Home Loans0.02%(3.5)0.51%
Summit Funding Inc0.02%(3.5)1.02%
PrimeLending0.02%(3.5)2.81%
Academy Mortgage Corporation Utah0.03%(3.5)9.45%
New American Funding0.03%(3.5)1.40%
Pacific Residential Mortgage0.03%(3.5)2.94%
Lakeview Loan Servicing0.03%(3.5)0.64%
Golden Empire Mortgage0.06%(3.0)1.53%
Premier Mortgage Resources0.06%(3.0)1.53%
Willamette Valley Bank0.07%(3.0)1.15%
Evergreen Moneysource Mortgage Company0.08%(3.0)3.83%
loanDepot0.08%(3.0)8.43%
Finance of America Mortgage0.09%(3.0)3.83%
Mann Mortgage0.10%(3.0)5.36%
Lender NameRate DifferenceRate RatingMarket Share
CMG Financial-0.25%(5.0)3.48%
Nations Direct Mortgage-0.13%(4.0)2.20%
HomeBridge Financial Services-0.09%(4.0)0.92%
First Interstate Bank-0.08%(4.0)1.10%
US Bank-0.08%(4.0)1.10%
Landmark Professional Mortgage Corporation-0.08%(4.0)2.01%
Guild Mortgage Company-0.07%(4.0)10.44%
Fairway Independent Mortgage Corporation-0.07%(4.0)1.65%
Churchill Mortgage-0.06%(4.0)1.10%
Sierra Pacific Mortgage-0.06%(4.0)0.55%
Mortgage Express-0.05%(4.0)0.73%
Washington Trust Bank-0.04%(3.5)0.73%
Directors Mortgage-0.04%(3.5)2.93%
Flagstar Bank-0.04%(3.5)1.28%
Stearns Home Loans-0.03%(3.5)1.65%
Freedom Mortgage Corporation-0.03%(3.5)0.18%
Provident Funding-0.03%(3.5)0.18%
Umpqua Bank-0.03%(3.5)3.30%
Caliber Home Loans-0.03%(3.5)5.31%
Quicken Loans-0.03%(3.5)1.47%
HomeStreet Bank-0.02%(3.5)0.92%
Commerce Home Mortgage-0.02%(3.5)1.10%
Carrington Mortgage Services-0.02%(3.5)0.37%
OnPoint Community Credit Union-0.01%(3.5)0.37%
Geneva Financial Home Loans0.01%(3.5)0.73%
American Pacific Mortgage0.01%(3.5)4.21%
Summit Funding Inc0.01%(3.5)1.10%
PrimeLending0.01%(3.5)3.85%
Academy Mortgage Corporation Utah0.03%(3.5)10.62%
Pacific Residential Mortgage0.03%(3.5)3.11%
New American Funding0.05%(3.5)1.10%
Golden Empire Mortgage0.06%(3.0)1.83%
Evergreen Moneysource Mortgage Company0.07%(3.0)5.31%
Willamette Valley Bank0.07%(3.0)1.47%
Premier Mortgage Resources0.07%(3.0)1.65%
Finance of America Mortgage0.09%(3.0)4.21%
loanDepot0.10%(3.0)9.34%
Mann Mortgage0.10%(3.0)6.41%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.05%(4.0)7.17%
Quicken Loans-0.05%(4.0)16.46%
Guild Mortgage Company-0.04%(3.5)10.97%
Landmark Professional Mortgage Corporation-0.01%(3.5)1.69%
PennyMac Loan Services0.00%(3.5)6.75%
Directors Mortgage0.00%(3.5)2.53%
Mr. Cooper0.01%(3.5)3.38%
Freedom Mortgage Corporation0.01%(3.5)3.38%
Mortgage Express0.01%(3.5)1.69%
PrimeLending0.01%(3.5)0.42%
Nations Direct Mortgage0.01%(3.5)0.42%
loanDepot0.02%(3.5)6.33%
First Interstate Bank0.02%(3.5)0.42%
Commerce Home Mortgage0.02%(3.5)0.84%
Stearns Home Loans0.02%(3.5)0.42%
Fairway Independent Mortgage Corporation0.02%(3.5)2.53%
OnPoint Community Credit Union0.02%(3.5)0.42%
New American Funding0.03%(3.5)2.11%
Premier Mortgage Resources0.03%(3.5)1.27%
Academy Mortgage Corporation Utah0.03%(3.5)6.75%
American Pacific Mortgage0.04%(3.5)1.69%
Willamette Valley Bank0.04%(3.5)0.42%
Carrington Mortgage Services0.04%(3.5)6.33%
HomeBridge Financial Services0.04%(3.5)2.53%
Evergreen Moneysource Mortgage Company0.04%(3.5)0.42%
Pacific Residential Mortgage0.04%(3.5)2.53%
Golden Empire Mortgage0.04%(3.5)0.84%
Summit Funding Inc0.04%(3.5)0.84%
HomeStreet Bank0.05%(3.5)0.42%
Mann Mortgage0.05%(3.0)2.95%
Finance of America Mortgage0.05%(3.0)2.95%
Lakeview Loan Servicing0.06%(3.0)2.11%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.06%(4.0)25.65%
Bank of America-0.06%(4.0)8.93%
US Bank-0.02%(3.5)16.14%
OnPoint Community Credit Union-0.01%(3.5)4.61%
JPMorgan Chase Bank0.02%(3.5)7.78%
HomeBridge Financial Services0.03%(3.5)0.29%
Quicken Loans0.03%(3.5)2.59%
Nations Direct Mortgage0.03%(3.5)0.29%
Flagstar Bank0.03%(3.5)0.29%
Fairway Independent Mortgage Corporation0.03%(3.5)0.29%
Directors Mortgage0.04%(3.5)0.86%
American Pacific Mortgage0.04%(3.5)0.86%
New American Funding0.04%(3.5)0.58%
Willamette Valley Bank0.04%(3.5)0.58%
Finance of America Mortgage0.04%(3.5)0.86%
Northwest Community Credit Union0.04%(3.5)0.29%
CMG Financial0.05%(3.5)0.29%
Washington Federal0.05%(3.5)2.02%
loanDepot0.05%(3.5)2.31%
Sierra Pacific Mortgage0.05%(3.0)0.29%
Umpqua Bank0.05%(3.0)1.73%
Churchill Mortgage0.05%(3.0)0.29%
Academy Mortgage Corporation Utah0.06%(3.0)2.31%
Guild Mortgage Company0.06%(3.0)1.44%
Summit Funding Inc0.06%(3.0)3.75%
Geneva Financial Home Loans0.06%(3.0)0.29%
First Interstate Bank0.07%(3.0)2.02%
Caliber Home Loans0.07%(3.0)3.46%
Evergreen Moneysource Mortgage Company0.07%(3.0)1.44%
PrimeLending0.08%(3.0)7.49%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.07%(4.0)29.31%
Bank of America-0.07%(4.0)9.91%
US Bank-0.03%(3.5)10.78%
OnPoint Community Credit Union0.02%(3.5)3.02%
JPMorgan Chase Bank0.02%(3.5)9.48%
Umpqua Bank0.03%(3.5)0.86%
Fairway Independent Mortgage Corporation0.04%(3.5)0.43%
Quicken Loans0.04%(3.5)1.29%
American Pacific Mortgage0.04%(3.5)1.29%
New American Funding0.04%(3.5)0.86%
Finance of America Mortgage0.05%(3.5)0.86%
Northwest Community Credit Union0.05%(3.5)0.43%
Directors Mortgage0.05%(3.5)0.43%
Willamette Valley Bank0.05%(3.5)0.43%
loanDepot0.05%(3.0)0.86%
Washington Federal0.05%(3.0)2.59%
Sierra Pacific Mortgage0.06%(3.0)0.43%
Academy Mortgage Corporation Utah0.06%(3.0)2.16%
Guild Mortgage Company0.07%(3.0)2.16%
Summit Funding Inc0.07%(3.0)3.88%
Geneva Financial Home Loans0.07%(3.0)0.43%
Evergreen Moneysource Mortgage Company0.08%(3.0)2.16%
First Interstate Bank0.08%(3.0)2.16%
Caliber Home Loans0.09%(3.0)4.31%
PrimeLending0.10%(3.0)9.48%
Lender NameRate DifferenceRate RatingMarket Share
OnPoint Community Credit Union-0.04%(3.5)7.83%
US Bank-0.02%(3.5)26.96%
Bank of America-0.02%(3.5)6.96%
Wells Fargo Bank-0.01%(3.5)18.26%
Caliber Home Loans0.01%(3.5)1.74%
Quicken Loans0.02%(3.5)5.22%
HomeBridge Financial Services0.02%(3.5)0.87%
Washington Federal0.02%(3.5)0.87%
Nations Direct Mortgage0.02%(3.5)0.87%
Flagstar Bank0.02%(3.5)0.87%
Directors Mortgage0.02%(3.5)1.74%
PrimeLending0.03%(3.5)3.48%
Willamette Valley Bank0.03%(3.5)0.87%
Finance of America Mortgage0.03%(3.5)0.87%
First Interstate Bank0.03%(3.5)1.74%
CMG Financial0.04%(3.5)0.87%
loanDepot0.04%(3.5)5.22%
JPMorgan Chase Bank0.04%(3.5)4.35%
Churchill Mortgage0.04%(3.5)0.87%
Summit Funding Inc0.05%(3.0)3.48%
Umpqua Bank0.05%(3.0)3.48%
Academy Mortgage Corporation Utah0.06%(3.0)2.61%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.10%(4.0)9.78%
PennyMac Loan Services-0.06%(4.0)5.57%
Directors Mortgage-0.05%(4.0)2.99%
Lakeview Loan Servicing-0.04%(3.5)1.90%
USAA-0.03%(3.5)7.88%
Churchill Mortgage-0.03%(3.5)1.09%
Guild Mortgage Company-0.03%(3.5)8.56%
CMG Financial-0.03%(3.5)1.09%
Northwest Community Credit Union-0.02%(3.5)0.95%
Geneva Financial Home Loans-0.02%(3.5)0.41%
Flagstar Bank-0.01%(3.5)2.99%
Nations Direct Mortgage-0.01%(3.5)2.45%
HomeBridge Financial Services-0.01%(3.5)1.63%
First Interstate Bank-0.01%(3.5)0.68%
Wells Fargo Bank-0.01%(3.5)0.54%
Bank of America0.00%(3.5)0.14%
Landmark Professional Mortgage Corporation0.00%(3.5)0.68%
Mortgage Express0.00%(3.5)0.68%
Commerce Home Mortgage0.00%(3.5)0.27%
American Pacific Mortgage0.01%(3.5)5.16%
Academy Mortgage Corporation Utah0.01%(3.5)4.89%
HomeStreet Bank0.01%(3.5)0.68%
Sierra Pacific Mortgage0.01%(3.5)0.41%
Mr. Cooper0.01%(3.5)0.68%
Washington Trust Bank0.01%(3.5)0.41%
OnPoint Community Credit Union0.02%(3.5)0.27%
Fairway Independent Mortgage Corporation0.02%(3.5)2.17%
Umpqua Bank0.03%(3.5)3.26%
New American Funding0.03%(3.5)1.09%
Summit Funding Inc0.03%(3.5)0.82%
Pacific Residential Mortgage0.04%(3.5)1.36%
Quicken Loans0.04%(3.5)4.48%
Premier Mortgage Resources0.04%(3.5)1.09%
Finance of America Mortgage0.04%(3.5)1.49%
Stearns Home Loans0.05%(3.5)1.63%
Evergreen Moneysource Mortgage Company0.05%(3.0)2.17%
Willamette Valley Bank0.06%(3.0)1.09%
PrimeLending0.06%(3.0)2.04%
Golden Empire Mortgage0.07%(3.0)0.95%
loanDepot0.07%(3.0)6.93%
Carrington Mortgage Services0.08%(3.0)1.22%
Freedom Mortgage Corporation0.09%(3.0)2.45%
Mann Mortgage0.10%(3.0)2.99%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.07%(4.0)9.59%
Churchill Mortgage-0.05%(4.0)1.45%
Guild Mortgage Company-0.05%(4.0)9.30%
Northwest Community Credit Union-0.04%(3.5)1.45%
HomeBridge Financial Services-0.03%(3.5)1.45%
First Interstate Bank-0.03%(3.5)1.16%
Geneva Financial Home Loans-0.03%(3.5)0.87%
Directors Mortgage-0.02%(3.5)2.33%
Nations Direct Mortgage-0.02%(3.5)3.20%
USAA-0.02%(3.5)9.30%
Mortgage Express-0.02%(3.5)0.87%
Flagstar Bank-0.02%(3.5)2.33%
Wells Fargo Bank-0.01%(3.5)1.16%
Quicken Loans-0.01%(3.5)1.45%
Academy Mortgage Corporation Utah-0.01%(3.5)7.56%
Umpqua Bank-0.01%(3.5)3.20%
Bank of America-0.01%(3.5)0.29%
Commerce Home Mortgage-0.00%(3.5)0.58%
Lakeview Loan Servicing-0.00%(3.5)0.29%
CMG Financial-0.00%(3.5)0.58%
HomeStreet Bank-0.00%(3.5)1.16%
Sierra Pacific Mortgage0.00%(3.5)0.58%
Washington Trust Bank0.01%(3.5)0.87%
PennyMac Loan Services0.01%(3.5)0.29%
Freedom Mortgage Corporation0.01%(3.5)0.29%
Landmark Professional Mortgage Corporation0.01%(3.5)0.58%
American Pacific Mortgage0.01%(3.5)7.27%
Fairway Independent Mortgage Corporation0.01%(3.5)2.62%
Pacific Residential Mortgage0.03%(3.5)2.33%
Finance of America Mortgage0.03%(3.5)1.16%
New American Funding0.04%(3.5)1.16%
Summit Funding Inc0.04%(3.5)1.16%
Willamette Valley Bank0.05%(3.5)1.45%
Evergreen Moneysource Mortgage Company0.05%(3.0)1.74%
Stearns Home Loans0.05%(3.0)2.03%
Premier Mortgage Resources0.05%(3.0)1.16%
PrimeLending0.06%(3.0)4.07%
Golden Empire Mortgage0.07%(3.0)1.16%
Mann Mortgage0.09%(3.0)4.94%
loanDepot0.09%(3.0)5.52%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.12%(4.0)9.95%
Directors Mortgage-0.06%(4.0)3.57%
PennyMac Loan Services-0.05%(4.0)10.20%
USAA-0.05%(3.5)6.63%
Lakeview Loan Servicing-0.04%(3.5)3.32%
CMG Financial-0.03%(3.5)1.53%
American Pacific Mortgage-0.01%(3.5)3.32%
Flagstar Bank-0.01%(3.5)3.57%
Guild Mortgage Company-0.01%(3.5)7.91%
Landmark Professional Mortgage Corporation0.00%(3.5)0.77%
Churchill Mortgage0.00%(3.5)0.77%
Nations Direct Mortgage0.00%(3.5)1.79%
HomeBridge Financial Services0.01%(3.5)1.79%
Summit Funding Inc0.01%(3.5)0.51%
PrimeLending0.01%(3.5)0.26%
HomeStreet Bank0.01%(3.5)0.26%
Pacific Residential Mortgage0.02%(3.5)0.51%
Sierra Pacific Mortgage0.02%(3.5)0.26%
Fairway Independent Mortgage Corporation0.02%(3.5)1.79%
Mr. Cooper0.02%(3.5)1.28%
OnPoint Community Credit Union0.02%(3.5)0.51%
New American Funding0.02%(3.5)1.02%
Northwest Community Credit Union0.02%(3.5)0.51%
Premier Mortgage Resources0.02%(3.5)1.02%
Mortgage Express0.03%(3.5)0.51%
Academy Mortgage Corporation Utah0.03%(3.5)2.55%
Stearns Home Loans0.04%(3.5)1.28%
First Interstate Bank0.04%(3.5)0.26%
Finance of America Mortgage0.05%(3.5)1.79%
Golden Empire Mortgage0.05%(3.0)0.77%
Quicken Loans0.05%(3.0)7.14%
Evergreen Moneysource Mortgage Company0.05%(3.0)2.55%
Umpqua Bank0.06%(3.0)3.32%
loanDepot0.06%(3.0)8.16%
Willamette Valley Bank0.07%(3.0)0.77%
Carrington Mortgage Services0.09%(3.0)2.30%
Mann Mortgage0.10%(3.0)1.28%
Freedom Mortgage Corporation0.11%(3.0)4.34%

* Data is compiled for the Bend, OR commuting zone area, which comprises of counties of Crook County, OR, Deschutes County, OR, and Jefferson County, OR. This includes cities/towns/communities of Bend, OR as well as Redmond, OR, Three Rivers, OR, Prineville, OR, Eagle Crest, OR, Sisters, OR, Madras, OR, La Pine, OR, Deschutes River Woods, OR, Culver, OR, Pronghorn, OR, and Warm Springs, OR. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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