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, we provide a data driven ranking of mortgage lenders in the Bend, OR area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Bend, OR area is SELCO Community Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.22%. This means that SELCO Community Credit Union provided a -0.22% lower interest rate for its customers than other lenders in Bend, OR for a similar set of borrowers. SELCO Community Credit Union has a market share of 1.3%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 7.8%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.08% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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 $510,400 in 2020), 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 Mortgage Inc. The cheapest VA mortgage provider is Caliber Home Loans Inc. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Bend, OR

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
SELCO Community Credit Union 1, -0.22% 1.27%
OnPoint Community Credit Union 2, -0.22% 4.14%
Provident Funding Associates 3, -0.18% 1.75%
Bank of America 4, -0.12% 1.53%
CMG Mortgage Inc 5, -0.12% 2.69%
Washington Trust Bank 6, -0.10% 0.56%
JG Wentworth Home Lending 7, -0.07% 0.45%
Us Bank 8, -0.05% 2.94%
Nations Direct Mortgage 9, -0.05% 1.19%
Fairway Independent Mort Corp 10, -0.05% 1.56%
LoanDepot 11, -0.04% 5.46%
First Interstate Bank 12, -0.04% 2.39%
Wells Fargo Bank 13, -0.03% 4.56%
Usaa Federal Savings Bank 14, -0.03% 1.30%
HomeBridge Financial Services, Inc 15, -0.03% 0.78%
Mortgage Express 16, -0.03% 0.86%
Northwest Community Credit Union 17, -0.02% 0.52%
American Pacific Mortgage Corporation 18, -0.02% 2.49%
Churchill Mortgage Corporation 19, -0.02% 0.55%
Caliber Home Loans Inc 20, -0.02% 7.47%
JPMorgan Chase Bank 21, -0.02% 2.12%
Directors Mortgage, Inc 22, -0.01% 2.29%
Stearns Lending 23, -0.01% 0.72%
Lakeview Loan Servicing 24, -0.01% 0.44%
Commerce Home Mortgage 25, -0.00% 0.46%
Sierra Pacific Mortgage 26, -0.00% 0.72%
Landmark Professional Mortgage Corporation 27, 0.00% 1.37%
Geneva Financial 28, 0.00% 0.42%
American Financial Resources Inc 29, 0.00% 0.42%
New American Funding 30, 0.01% 0.87%
Pennymac Loan Services 31, 0.01% 1.68%
Flagstar Bank 32, 0.02% 1.80%
Umpqua Bank 33, 0.02% 3.37%
Washington Federal 34, 0.02% 0.57%
Summit Funding Inc 35, 0.03% 1.02%
Guild Mortgage Company 36, 0.03% 5.63%
Carrington Mortgage Services 37, 0.03% 0.44%
Premier Mortgage Resources 38, 0.04% 0.79%
Freedom Mortgage Corporation 39, 0.05% 0.63%
HomeStreet Bank 40, 0.06% 0.71%
Golden Empire Mortgage, Inc 41, 0.06% 0.68%
Pacific Residential Mortgage 42, 0.07% 1.46%
Finance of America Mortgage 43, 0.07% 2.06%
Evergreen Moneysource Mortgage Company 44, 0.08% 3.17%
Quicken Loans 45, 0.08% 7.80%
Academy Mortgage Corporation 46, 0.10% 4.74%
Mann Mortgage 47, 0.11% 1.93%
Willamette Valley Bank 48, 0.12% 1.23%
Primelending 49, 0.13% 5.27%
Nationstar Mortgage 50, 0.15% 0.72%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
CMG Mortgage Inc 1, -0.20% 2.21%
Bank of America 2, -0.18% 1.87%
OnPoint Community Credit Union 3, -0.16% 3.35%
Us Bank 4, -0.14% 2.41%
Provident Funding Associates 5, -0.13% 0.78%
SELCO Community Credit Union 6, -0.11% 0.39%
Washington Trust Bank 7, -0.11% 1.04%
Wells Fargo Bank 8, -0.10% 5.58%
JPMorgan Chase Bank 9, -0.08% 2.34%
Nations Direct Mortgage 10, -0.05% 1.58%
HomeBridge Financial Services, Inc 11, -0.05% 0.75%
Pennymac Loan Services 12, -0.04% 0.21%
Northwest Community Credit Union 13, -0.03% 0.44%
First Interstate Bank 14, -0.03% 2.28%
Churchill Mortgage Corporation 15, -0.03% 0.70%
Mortgage Express 16, -0.03% 0.91%
Directors Mortgage, Inc 17, -0.02% 2.60%
Usaa Federal Savings Bank 18, -0.02% 1.45%
American Pacific Mortgage Corporation 19, -0.02% 3.06%
Nationstar Mortgage 20, -0.02% 0.08%
Lakeview Loan Servicing 21, -0.02% 0.10%
Stearns Lending 22, -0.02% 1.01%
Umpqua Bank 23, -0.02% 3.84%
JG Wentworth Home Lending 24, -0.01% 0.18%
Caliber Home Loans Inc 25, -0.01% 8.36%
Commerce Home Mortgage 26, -0.01% 0.70%
Carrington Mortgage Services 27, -0.01% 0.08%
Freedom Mortgage Corporation 28, -0.01% 0.10%
Fairway Independent Mort Corp 29, -0.01% 1.53%
LoanDepot 30, -0.00% 5.19%
Geneva Financial 31, 0.00% 0.65%
Flagstar Bank 32, 0.01% 1.84%
Guild Mortgage Company 33, 0.01% 6.15%
Landmark Professional Mortgage Corporation 34, 0.01% 1.14%
Quicken Loans 35, 0.01% 2.47%
Sierra Pacific Mortgage 36, 0.01% 0.55%
Washington Federal 37, 0.02% 0.88%
New American Funding 38, 0.03% 0.93%
Summit Funding Inc 39, 0.03% 1.51%
American Financial Resources Inc 40, 0.04% 0.29%
Premier Mortgage Resources 41, 0.04% 0.99%
HomeStreet Bank 42, 0.05% 0.96%
Pacific Residential Mortgage 43, 0.05% 1.56%
Golden Empire Mortgage, Inc 44, 0.06% 0.73%
Evergreen Moneysource Mortgage Company 45, 0.07% 3.79%
Mann Mortgage 46, 0.10% 2.54%
Finance of America Mortgage 47, 0.11% 2.54%
Willamette Valley Bank 48, 0.12% 1.69%
Academy Mortgage Corporation 49, 0.12% 5.84%
Primelending 50, 0.15% 7.81%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
OnPoint Community Credit Union 1, -0.25% 5.01%
SELCO Community Credit Union 2, -0.24% 2.25%
Provident Funding Associates 3, -0.20% 2.82%
Fairway Independent Mort Corp 4, -0.08% 1.59%
LoanDepot 5, -0.08% 5.76%
JG Wentworth Home Lending 6, -0.08% 0.75%
CMG Mortgage Inc 7, -0.06% 3.23%
Nations Direct Mortgage 8, -0.05% 0.75%
Usaa Federal Savings Bank 9, -0.04% 1.12%
First Interstate Bank 10, -0.04% 2.51%
American Pacific Mortgage Corporation 11, -0.03% 1.84%
Caliber Home Loans Inc 12, -0.03% 6.48%
Mortgage Express 13, -0.02% 0.81%
New American Funding 14, -0.02% 0.81%
Northwest Community Credit Union 15, -0.02% 0.61%
Churchill Mortgage Corporation 16, -0.01% 0.37%
Geneva Financial 17, -0.01% 0.17%
American Financial Resources Inc 18, -0.01% 0.58%
Sierra Pacific Mortgage 19, -0.01% 0.92%
Bank of America 20, -0.01% 1.15%
HomeBridge Financial Services, Inc 21, -0.01% 0.81%
Landmark Professional Mortgage Corporation 22, -0.01% 1.61%
Washington Trust Bank 23, -0.01% 0.03%
Finance of America Mortgage 24, -0.00% 1.53%
Stearns Lending 25, -0.00% 0.40%
Lakeview Loan Servicing 26, -0.00% 0.81%
Directors Mortgage, Inc 27, 0.00% 1.96%
Summit Funding Inc 28, 0.01% 0.49%
Commerce Home Mortgage 29, 0.01% 0.20%
Pennymac Loan Services 30, 0.02% 3.31%
Us Bank 31, 0.02% 3.52%
Flagstar Bank 32, 0.03% 1.76%
Washington Federal 33, 0.03% 0.23%
Carrington Mortgage Services 34, 0.04% 0.84%
Premier Mortgage Resources 35, 0.04% 0.58%
Guild Mortgage Company 36, 0.04% 5.04%
Academy Mortgage Corporation 37, 0.05% 3.52%
Primelending 38, 0.06% 2.45%
Freedom Mortgage Corporation 39, 0.06% 1.21%
JPMorgan Chase Bank 40, 0.06% 1.87%
Golden Empire Mortgage, Inc 41, 0.07% 0.63%
Umpqua Bank 42, 0.07% 2.85%
HomeStreet Bank 43, 0.08% 0.43%
Evergreen Moneysource Mortgage Company 44, 0.08% 2.48%
Pacific Residential Mortgage 45, 0.09% 1.35%
Wells Fargo Bank 46, 0.09% 3.43%
Willamette Valley Bank 47, 0.10% 0.72%
Quicken Loans 48, 0.10% 13.72%
Mann Mortgage 49, 0.13% 1.24%
Nationstar Mortgage 50, 0.17% 1.44%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
OnPoint Community Credit Union 1, -0.23% 5.21%
SELCO Community Credit Union 2, -0.22% 1.72%
Provident Funding Associates 3, -0.19% 2.34%
Bank of America 4, -0.14% 1.48%
Washington Trust Bank 5, -0.13% 0.63%
CMG Mortgage Inc 6, -0.11% 3.12%
LoanDepot 7, -0.10% 5.06%
JG Wentworth Home Lending 8, -0.07% 0.59%
Fairway Independent Mort Corp 9, -0.06% 1.51%
Us Bank 10, -0.05% 2.81%
Nations Direct Mortgage 11, -0.05% 1.02%
First Interstate Bank 12, -0.04% 2.88%
American Pacific Mortgage Corporation 13, -0.04% 2.07%
HomeBridge Financial Services, Inc 14, -0.04% 0.61%
Mortgage Express 15, -0.03% 0.92%
Northwest Community Credit Union 16, -0.03% 0.55%
Stearns Lending 17, -0.03% 0.57%
JPMorgan Chase Bank 18, -0.03% 2.36%
Churchill Mortgage Corporation 19, -0.01% 0.46%
Wells Fargo Bank 20, -0.01% 4.45%
Usaa Federal Savings Bank 21, -0.01% 0.68%
Caliber Home Loans Inc 22, -0.01% 7.70%
New American Funding 23, -0.01% 0.79%
Commerce Home Mortgage 24, -0.01% 0.44%
Carrington Mortgage Services 25, -0.01% 0.11%
Sierra Pacific Mortgage 26, -0.00% 0.85%
Directors Mortgage, Inc 27, -0.00% 2.23%
Geneva Financial 28, -0.00% 0.42%
Landmark Professional Mortgage Corporation 29, 0.01% 1.48%
Washington Federal 30, 0.02% 0.65%
Lakeview Loan Servicing 31, 0.02% 0.24%
Umpqua Bank 32, 0.02% 3.66%
Summit Funding Inc 33, 0.02% 0.89%
American Financial Resources Inc 34, 0.03% 0.09%
Flagstar Bank 35, 0.03% 1.88%
Premier Mortgage Resources 36, 0.04% 0.70%
Freedom Mortgage Corporation 37, 0.04% 0.35%
Golden Empire Mortgage, Inc 38, 0.06% 0.57%
Pennymac Loan Services 39, 0.06% 1.22%
Guild Mortgage Company 40, 0.07% 4.78%
HomeStreet Bank 41, 0.07% 0.76%
Finance of America Mortgage 42, 0.07% 1.98%
Pacific Residential Mortgage 43, 0.08% 1.37%
Evergreen Moneysource Mortgage Company 44, 0.08% 3.34%
Quicken Loans 45, 0.10% 8.81%
Mann Mortgage 46, 0.12% 1.42%
Willamette Valley Bank 47, 0.13% 1.31%
Academy Mortgage Corporation 48, 0.14% 4.23%
Primelending 49, 0.14% 5.96%
Nationstar Mortgage 50, 0.20% 0.74%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.22% 1.77%
CMG Mortgage Inc 2, -0.19% 2.35%
Us Bank 3, -0.18% 2.24%
OnPoint Community Credit Union 4, -0.18% 4.42%
Provident Funding Associates 5, -0.14% 1.07%
Washington Trust Bank 6, -0.13% 1.21%
SELCO Community Credit Union 7, -0.12% 0.55%
Wells Fargo Bank 8, -0.10% 5.26%
JPMorgan Chase Bank 9, -0.10% 2.50%
LoanDepot 10, -0.06% 4.71%
Pennymac Loan Services 11, -0.05% 0.26%
HomeBridge Financial Services, Inc 12, -0.04% 0.70%
American Pacific Mortgage Corporation 13, -0.04% 2.43%
Nations Direct Mortgage 14, -0.04% 1.40%
First Interstate Bank 15, -0.03% 2.69%
Stearns Lending 16, -0.03% 0.85%
Northwest Community Credit Union 17, -0.03% 0.40%
Mortgage Express 18, -0.03% 1.03%
Directors Mortgage, Inc 19, -0.03% 2.76%
Nationstar Mortgage 20, -0.02% 0.11%
Lakeview Loan Servicing 21, -0.02% 0.11%
JG Wentworth Home Lending 22, -0.02% 0.26%
Carrington Mortgage Services 23, -0.02% 0.04%
Umpqua Bank 24, -0.02% 4.30%
Commerce Home Mortgage 25, -0.02% 0.70%
Freedom Mortgage Corporation 26, -0.01% 0.07%
Usaa Federal Savings Bank 27, -0.01% 0.88%
Caliber Home Loans Inc 28, -0.01% 9.20%
Churchill Mortgage Corporation 29, -0.01% 0.59%
Fairway Independent Mort Corp 30, -0.01% 1.47%
Geneva Financial 31, -0.00% 0.63%
Washington Federal 32, 0.01% 1.03%
Flagstar Bank 33, 0.02% 2.06%
New American Funding 34, 0.02% 0.88%
Quicken Loans 35, 0.02% 2.87%
Premier Mortgage Resources 36, 0.02% 0.92%
Summit Funding Inc 37, 0.03% 1.43%
Sierra Pacific Mortgage 38, 0.03% 0.55%
American Financial Resources Inc 39, 0.04% 0.11%
Landmark Professional Mortgage Corporation 40, 0.04% 1.14%
Golden Empire Mortgage, Inc 41, 0.04% 0.52%
Guild Mortgage Company 42, 0.05% 5.22%
Pacific Residential Mortgage 43, 0.06% 1.29%
HomeStreet Bank 44, 0.06% 1.03%
Evergreen Moneysource Mortgage Company 45, 0.07% 3.90%
Mann Mortgage 46, 0.09% 1.69%
Finance of America Mortgage 47, 0.12% 2.54%
Willamette Valley Bank 48, 0.13% 1.88%
Primelending 49, 0.17% 8.98%
Academy Mortgage Corporation 50, 0.19% 5.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
OnPoint Community Credit Union 1, -0.27% 6.00%
SELCO Community Credit Union 2, -0.24% 2.89%
Provident Funding Associates 3, -0.20% 3.63%
LoanDepot 4, -0.13% 5.41%
Fairway Independent Mort Corp 5, -0.12% 1.56%
JG Wentworth Home Lending 6, -0.09% 0.93%
Nations Direct Mortgage 7, -0.07% 0.63%
CMG Mortgage Inc 8, -0.06% 3.89%
First Interstate Bank 9, -0.05% 3.08%
New American Funding 10, -0.04% 0.70%
American Pacific Mortgage Corporation 11, -0.04% 1.70%
Mortgage Express 12, -0.04% 0.82%
HomeBridge Financial Services, Inc 13, -0.03% 0.52%
Stearns Lending 14, -0.03% 0.30%
Northwest Community Credit Union 15, -0.03% 0.70%
Churchill Mortgage Corporation 16, -0.02% 0.33%
Finance of America Mortgage 17, -0.02% 1.41%
Geneva Financial 18, -0.02% 0.22%
Sierra Pacific Mortgage 19, -0.02% 1.15%
Usaa Federal Savings Bank 20, -0.01% 0.48%
Washington Trust Bank 21, -0.01% 0.04%
Landmark Professional Mortgage Corporation 22, -0.01% 1.82%
Summit Funding Inc 23, -0.01% 0.33%
Caliber Home Loans Inc 24, -0.01% 6.19%
Bank of America 25, -0.01% 1.19%
Carrington Mortgage Services 26, 0.00% 0.19%
American Financial Resources Inc 27, 0.01% 0.07%
Commerce Home Mortgage 28, 0.01% 0.19%
Directors Mortgage, Inc 29, 0.03% 1.70%
Washington Federal 30, 0.03% 0.26%
Lakeview Loan Servicing 31, 0.04% 0.37%
Us Bank 32, 0.04% 3.37%
Flagstar Bank 33, 0.05% 1.70%
Freedom Mortgage Corporation 34, 0.05% 0.63%
Primelending 35, 0.05% 2.93%
Premier Mortgage Resources 36, 0.06% 0.48%
JPMorgan Chase Bank 37, 0.06% 2.22%
Academy Mortgage Corporation 38, 0.06% 3.45%
Golden Empire Mortgage, Inc 39, 0.07% 0.63%
Umpqua Bank 40, 0.08% 3.00%
Pennymac Loan Services 41, 0.08% 2.19%
Guild Mortgage Company 42, 0.08% 4.33%
HomeStreet Bank 43, 0.08% 0.48%
Evergreen Moneysource Mortgage Company 44, 0.09% 2.78%
Pacific Residential Mortgage 45, 0.10% 1.44%
Willamette Valley Bank 46, 0.11% 0.74%
Wells Fargo Bank 47, 0.12% 3.63%
Quicken Loans 48, 0.12% 14.78%
Mann Mortgage 49, 0.15% 1.15%
Nationstar Mortgage 50, 0.22% 1.37%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
CMG Mortgage Inc 1, -0.24% 2.38%
Nations Direct Mortgage 2, -0.11% 1.62%
Us Bank 3, -0.07% 0.75%
Quicken Loans 4, -0.07% 5.88%
First Interstate Bank 5, -0.06% 0.88%
Guild Mortgage Company 6, -0.06% 10.38%
Landmark Professional Mortgage Corporation 7, -0.06% 1.88%
Churchill Mortgage Corporation 8, -0.05% 0.75%
Sierra Pacific Mortgage 9, -0.05% 0.38%
Caliber Home Loans Inc 10, -0.04% 5.75%
Fairway Independent Mort Corp 11, -0.03% 1.88%
Washington Trust Bank 12, -0.03% 0.50%
Flagstar Bank 13, -0.03% 0.88%
Mortgage Express 14, -0.03% 1.00%
Directors Mortgage, Inc 15, -0.03% 2.75%
HomeBridge Financial Services, Inc 16, -0.03% 1.38%
Pennymac Loan Services 17, -0.02% 2.00%
Provident Funding Associates 18, -0.02% 0.12%
Stearns Lending 19, -0.02% 1.25%
Umpqua Bank 20, -0.02% 2.25%
Freedom Mortgage Corporation 21, -0.02% 1.12%
Nationstar Mortgage 22, -0.02% 1.00%
Commerce Home Mortgage 23, -0.01% 1.00%
HomeStreet Bank 24, -0.01% 0.75%
OnPoint Community Credit Union 25, -0.00% 0.38%
American Financial Resources Inc 26, 0.00% 2.12%
Carrington Mortgage Services 27, 0.01% 2.12%
American Pacific Mortgage Corporation 28, 0.02% 3.38%
Geneva Financial 29, 0.02% 0.50%
Summit Funding Inc 30, 0.02% 1.00%
Primelending 31, 0.02% 2.75%
Academy Mortgage Corporation 32, 0.03% 9.25%
New American Funding 33, 0.03% 1.38%
Pacific Residential Mortgage 34, 0.03% 2.88%
Lakeview Loan Servicing 35, 0.03% 0.62%
Golden Empire Mortgage, Inc 36, 0.06% 1.50%
Premier Mortgage Resources 37, 0.06% 1.50%
Willamette Valley Bank 38, 0.07% 1.12%
Evergreen Moneysource Mortgage Company 39, 0.08% 3.75%
LoanDepot 40, 0.08% 8.25%
Finance of America Mortgage 41, 0.09% 3.75%
Mann Mortgage 42, 0.10% 5.25%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
CMG Mortgage Inc 1, -0.25% 3.44%
Nations Direct Mortgage 2, -0.13% 2.17%
HomeBridge Financial Services, Inc 3, -0.09% 0.90%
First Interstate Bank 4, -0.09% 1.08%
Us Bank 5, -0.08% 1.08%
Landmark Professional Mortgage Corporation 6, -0.08% 1.99%
Guild Mortgage Company 7, -0.07% 10.31%
Fairway Independent Mort Corp 8, -0.07% 1.63%
Churchill Mortgage Corporation 9, -0.06% 1.08%
Sierra Pacific Mortgage 10, -0.06% 0.54%
Mortgage Express 11, -0.05% 0.72%
Washington Trust Bank 12, -0.05% 0.72%
Directors Mortgage, Inc 13, -0.04% 2.89%
Flagstar Bank 14, -0.04% 1.27%
Stearns Lending 15, -0.04% 1.63%
Freedom Mortgage Corporation 16, -0.03% 0.18%
Provident Funding Associates 17, -0.03% 0.18%
Umpqua Bank 18, -0.03% 3.25%
Caliber Home Loans Inc 19, -0.03% 5.24%
Quicken Loans 20, -0.03% 1.45%
HomeStreet Bank 21, -0.02% 0.90%
Commerce Home Mortgage 22, -0.02% 1.08%
Carrington Mortgage Services 23, -0.02% 0.36%
OnPoint Community Credit Union 24, -0.01% 0.36%
Geneva Financial 25, 0.00% 0.72%
American Pacific Mortgage Corporation 26, 0.01% 4.16%
Summit Funding Inc 27, 0.01% 1.08%
Primelending 28, 0.01% 3.80%
Academy Mortgage Corporation 29, 0.02% 10.49%
Pacific Residential Mortgage 30, 0.03% 3.07%
American Financial Resources Inc 31, 0.04% 1.27%
New American Funding 32, 0.05% 1.08%
Golden Empire Mortgage, Inc 33, 0.06% 1.81%
Evergreen Moneysource Mortgage Company 34, 0.07% 5.24%
Willamette Valley Bank 35, 0.07% 1.45%
Premier Mortgage Resources 36, 0.07% 1.63%
Finance of America Mortgage 37, 0.09% 4.16%
LoanDepot 38, 0.10% 9.22%
Mann Mortgage 39, 0.10% 6.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.05% 6.88%
Quicken Loans 2, -0.05% 15.79%
Guild Mortgage Company 3, -0.04% 10.53%
Landmark Professional Mortgage Corporation 4, -0.01% 1.62%
American Financial Resources Inc 5, -0.00% 4.05%
Pennymac Loan Services 6, 0.00% 6.48%
Directors Mortgage, Inc 7, 0.00% 2.43%
Nationstar Mortgage 8, 0.01% 3.24%
Freedom Mortgage Corporation 9, 0.01% 3.24%
Mortgage Express 10, 0.01% 1.62%
Primelending 11, 0.01% 0.40%
Nations Direct Mortgage 12, 0.01% 0.40%
LoanDepot 13, 0.02% 6.07%
First Interstate Bank 14, 0.02% 0.40%
Stearns Lending 15, 0.02% 0.40%
Commerce Home Mortgage 16, 0.02% 0.81%
Fairway Independent Mort Corp 17, 0.02% 2.43%
OnPoint Community Credit Union 18, 0.03% 0.40%
New American Funding 19, 0.03% 2.02%
Premier Mortgage Resources 20, 0.03% 1.21%
Academy Mortgage Corporation 21, 0.03% 6.48%
American Pacific Mortgage Corporation 22, 0.04% 1.62%
Willamette Valley Bank 23, 0.04% 0.40%
Carrington Mortgage Services 24, 0.04% 6.07%
HomeBridge Financial Services, Inc 25, 0.04% 2.43%
Evergreen Moneysource Mortgage Company 26, 0.04% 0.40%
Pacific Residential Mortgage 27, 0.04% 2.43%
Golden Empire Mortgage, Inc 28, 0.04% 0.81%
Summit Funding Inc 29, 0.04% 0.81%
HomeStreet Bank 30, 0.05% 0.40%
Mann Mortgage 31, 0.05% 2.83%
Finance of America Mortgage 32, 0.05% 2.83%
Lakeview Loan Servicing 33, 0.06% 2.02%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.06% 25.36%
Bank of America 2, -0.05% 8.83%
Us Bank 3, -0.03% 16.24%
OnPoint Community Credit Union 4, -0.01% 4.56%
Quicken Loans 5, 0.02% 3.13%
JPMorgan Chase Bank 6, 0.03% 7.69%
HomeBridge Financial Services, Inc 7, 0.03% 0.28%
Nations Direct Mortgage 8, 0.03% 0.28%
Flagstar Bank 9, 0.03% 0.28%
Fairway Independent Mort Corp 10, 0.04% 0.28%
Directors Mortgage, Inc 11, 0.04% 0.85%
American Pacific Mortgage Corporation 12, 0.04% 0.85%
New American Funding 13, 0.04% 0.57%
Willamette Valley Bank 14, 0.04% 0.57%
Finance of America Mortgage 15, 0.04% 0.85%
Northwest Community Credit Union 16, 0.05% 0.28%
LoanDepot 17, 0.05% 2.28%
CMG Mortgage Inc 18, 0.05% 0.28%
Washington Federal 19, 0.05% 1.99%
Umpqua Bank 20, 0.05% 1.71%
Sierra Pacific Mortgage 21, 0.05% 0.28%
Churchill Mortgage Corporation 22, 0.06% 0.28%
Guild Mortgage Company 23, 0.06% 1.71%
Academy Mortgage Corporation 24, 0.06% 2.28%
Summit Funding Inc 25, 0.07% 3.70%
Geneva Financial 26, 0.07% 0.28%
First Interstate Bank 27, 0.07% 1.99%
Caliber Home Loans Inc 28, 0.07% 3.42%
Evergreen Moneysource Mortgage Company 29, 0.08% 1.42%
Primelending 30, 0.09% 7.41%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.07% 29.06%
Bank of America 2, -0.07% 9.83%
Us Bank 3, -0.03% 11.11%
OnPoint Community Credit Union 4, 0.02% 2.99%
JPMorgan Chase Bank 5, 0.02% 9.40%
Quicken Loans 6, 0.03% 1.71%
Umpqua Bank 7, 0.03% 0.85%
Fairway Independent Mort Corp 8, 0.04% 0.43%
American Pacific Mortgage Corporation 9, 0.04% 1.28%
New American Funding 10, 0.04% 0.85%
Finance of America Mortgage 11, 0.05% 0.85%
Northwest Community Credit Union 12, 0.05% 0.43%
Directors Mortgage, Inc 13, 0.05% 0.43%
Willamette Valley Bank 14, 0.05% 0.43%
LoanDepot 15, 0.05% 0.85%
Washington Federal 16, 0.05% 2.56%
Sierra Pacific Mortgage 17, 0.06% 0.43%
Academy Mortgage Corporation 18, 0.06% 2.14%
Guild Mortgage Company 19, 0.07% 2.14%
Summit Funding Inc 20, 0.07% 3.85%
Geneva Financial 21, 0.07% 0.43%
Evergreen Moneysource Mortgage Company 22, 0.08% 2.14%
First Interstate Bank 23, 0.08% 2.14%
Caliber Home Loans Inc 24, 0.09% 4.27%
Primelending 25, 0.10% 9.40%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
OnPoint Community Credit Union 1, -0.04% 7.69%
Us Bank 2, -0.03% 26.50%
Wells Fargo Bank 3, -0.02% 17.95%
Bank of America 4, -0.02% 6.84%
Quicken Loans 5, 0.01% 5.98%
Caliber Home Loans Inc 6, 0.02% 1.71%
HomeBridge Financial Services, Inc 7, 0.02% 0.85%
Guild Mortgage Company 8, 0.03% 0.85%
Washington Federal 9, 0.03% 0.85%
Nations Direct Mortgage 10, 0.03% 0.85%
Flagstar Bank 11, 0.03% 0.85%
Directors Mortgage, Inc 12, 0.03% 1.71%
Primelending 13, 0.03% 3.42%
Willamette Valley Bank 14, 0.04% 0.85%
Finance of America Mortgage 15, 0.04% 0.85%
First Interstate Bank 16, 0.04% 1.71%
LoanDepot 17, 0.04% 5.13%
CMG Mortgage Inc 18, 0.04% 0.85%
JPMorgan Chase Bank 19, 0.05% 4.27%
Churchill Mortgage Corporation 20, 0.05% 0.85%
Umpqua Bank 21, 0.06% 3.42%
Summit Funding Inc 22, 0.06% 3.42%
Academy Mortgage Corporation 23, 0.07% 2.56%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.10% 9.55%
Pennymac Loan Services 2, -0.06% 5.44%
Directors Mortgage, Inc 3, -0.05% 2.92%
Lakeview Loan Servicing 4, -0.04% 1.86%
Guild Mortgage Company 5, -0.03% 8.49%
Usaa Federal Savings Bank 6, -0.03% 7.69%
Churchill Mortgage Corporation 7, -0.03% 1.06%
CMG Mortgage Inc 8, -0.03% 1.06%
Northwest Community Credit Union 9, -0.02% 0.93%
Geneva Financial 10, -0.02% 0.40%
Flagstar Bank 11, -0.02% 2.92%
Nations Direct Mortgage 12, -0.01% 2.39%
HomeBridge Financial Services, Inc 13, -0.01% 1.59%
First Interstate Bank 14, -0.01% 0.66%
Wells Fargo Bank 15, -0.00% 0.53%
American Pacific Mortgage Corporation 16, -0.00% 5.31%
American Financial Resources Inc 17, 0.00% 1.19%
Landmark Professional Mortgage Corporation 18, 0.00% 0.66%
Bank of America 19, 0.00% 0.13%
Mortgage Express 20, 0.00% 0.66%
Commerce Home Mortgage 21, 0.00% 0.27%
Academy Mortgage Corporation 22, 0.01% 4.77%
HomeStreet Bank 23, 0.01% 0.66%
Sierra Pacific Mortgage 24, 0.01% 0.40%
Nationstar Mortgage 25, 0.01% 0.66%
Washington Trust Bank 26, 0.01% 0.40%
JG Wentworth Home Lending 27, 0.02% 0.13%
Fairway Independent Mort Corp 28, 0.02% 2.12%
OnPoint Community Credit Union 29, 0.02% 0.27%
New American Funding 30, 0.03% 1.06%
Umpqua Bank 31, 0.03% 3.32%
Summit Funding Inc 32, 0.03% 0.80%
Quicken Loans 33, 0.03% 4.77%
Pacific Residential Mortgage 34, 0.04% 1.33%
Finance of America Mortgage 35, 0.04% 1.46%
Premier Mortgage Resources 36, 0.04% 1.06%
Stearns Lending 37, 0.05% 1.59%
Evergreen Moneysource Mortgage Company 38, 0.05% 2.12%
Willamette Valley Bank 39, 0.06% 1.06%
Primelending 40, 0.06% 1.99%
Golden Empire Mortgage, Inc 41, 0.07% 0.93%
LoanDepot 42, 0.08% 6.90%
Carrington Mortgage Services 43, 0.08% 1.19%
Freedom Mortgage Corporation 44, 0.09% 2.39%
Mann Mortgage 45, 0.10% 2.92%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.07% 9.51%
Guild Mortgage Company 2, -0.06% 9.51%
Churchill Mortgage Corporation 3, -0.05% 1.44%
Northwest Community Credit Union 4, -0.04% 1.44%
HomeBridge Financial Services, Inc 5, -0.03% 1.44%
First Interstate Bank 6, -0.03% 1.15%
Geneva Financial 7, -0.03% 0.86%
Directors Mortgage, Inc 8, -0.02% 2.31%
Nations Direct Mortgage 9, -0.02% 3.17%
Usaa Federal Savings Bank 10, -0.02% 9.22%
Mortgage Express 11, -0.02% 0.86%
Flagstar Bank 12, -0.01% 2.31%
Wells Fargo Bank 13, -0.01% 1.15%
Quicken Loans 14, -0.01% 1.44%
Academy Mortgage Corporation 15, -0.01% 7.49%
Umpqua Bank 16, -0.01% 3.17%
Bank of America 17, -0.00% 0.29%
Commerce Home Mortgage 18, -0.00% 0.58%
Lakeview Loan Servicing 19, -0.00% 0.29%
CMG Mortgage Inc 20, -0.00% 0.58%
HomeStreet Bank 21, 0.00% 1.15%
Sierra Pacific Mortgage 22, 0.00% 0.58%
Washington Trust Bank 23, 0.01% 0.86%
Pennymac Loan Services 24, 0.01% 0.29%
Freedom Mortgage Corporation 25, 0.01% 0.29%
American Pacific Mortgage Corporation 26, 0.01% 7.49%
Landmark Professional Mortgage Corporation 27, 0.01% 0.58%
American Financial Resources Inc 28, 0.01% 0.29%
Fairway Independent Mort Corp 29, 0.01% 2.59%
Pacific Residential Mortgage 30, 0.03% 2.31%
Finance of America Mortgage 31, 0.03% 1.15%
New American Funding 32, 0.04% 1.15%
Summit Funding Inc 33, 0.04% 1.15%
Willamette Valley Bank 34, 0.05% 1.44%
Evergreen Moneysource Mortgage Company 35, 0.05% 1.73%
Stearns Lending 36, 0.05% 2.02%
Premier Mortgage Resources 37, 0.05% 1.15%
Primelending 38, 0.06% 4.03%
Golden Empire Mortgage, Inc 39, 0.07% 1.15%
Mann Mortgage 40, 0.09% 4.90%
LoanDepot 41, 0.09% 5.48%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.12% 9.58%
Directors Mortgage, Inc 2, -0.06% 3.44%
Pennymac Loan Services 3, -0.06% 9.83%
Usaa Federal Savings Bank 4, -0.05% 6.39%
Lakeview Loan Servicing 5, -0.04% 3.19%
CMG Mortgage Inc 6, -0.03% 1.47%
American Pacific Mortgage Corporation 7, -0.03% 3.44%
Flagstar Bank 8, -0.01% 3.44%
Guild Mortgage Company 9, -0.01% 7.62%
Landmark Professional Mortgage Corporation 10, 0.00% 0.74%
Nations Direct Mortgage 11, 0.00% 1.72%
Churchill Mortgage Corporation 12, 0.00% 0.74%
HomeBridge Financial Services, Inc 13, 0.01% 1.72%
American Financial Resources Inc 14, 0.01% 1.97%
Summit Funding Inc 15, 0.01% 0.49%
Primelending 16, 0.01% 0.25%
HomeStreet Bank 17, 0.02% 0.25%
Pacific Residential Mortgage 18, 0.02% 0.49%
Fairway Independent Mort Corp 19, 0.02% 1.72%
Sierra Pacific Mortgage 20, 0.02% 0.25%
Nationstar Mortgage 21, 0.02% 1.23%
JG Wentworth Home Lending 22, 0.02% 0.25%
OnPoint Community Credit Union 23, 0.02% 0.49%
Northwest Community Credit Union 24, 0.02% 0.49%
New American Funding 25, 0.03% 0.98%
Premier Mortgage Resources 26, 0.03% 0.98%
Mortgage Express 27, 0.03% 0.49%
Academy Mortgage Corporation 28, 0.03% 2.46%
Stearns Lending 29, 0.04% 1.23%
First Interstate Bank 30, 0.04% 0.25%
Finance of America Mortgage 31, 0.05% 1.72%
Quicken Loans 32, 0.05% 7.62%
Golden Empire Mortgage, Inc 33, 0.05% 0.74%
Evergreen Moneysource Mortgage Company 34, 0.05% 2.46%
Umpqua Bank 35, 0.06% 3.44%
LoanDepot 36, 0.07% 8.11%
Willamette Valley Bank 37, 0.07% 0.74%
Carrington Mortgage Services 38, 0.09% 2.21%
Mann Mortgage 39, 0.10% 1.23%
Freedom Mortgage Corporation 40, 0.11% 4.18%

* 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 for the data comes from 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 based on the MSA, 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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