# Best Mortgage Lenders in Bremerton

**As of:** 2026-06-01

Compare the top mortgage lenders in Bremerton. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/bremerton/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 58
- **Total Loans:** 3,223
- **Median Rate Spread:** 0.12239285714285715%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 263 | Independent Mortgage Company |
| 2 | NAVY FEDERAL CREDIT UNION | 84 | 93 | 60 | 124 | Credit Union |
| 3 | SAMMAMISH MORTGAGE COMPANY | 80 | 78 | 64 | 28 | Independent Mortgage Company |
| 4 | NBKC BANK | 78 | 91 | 59 | 62 | Bank |
| 5 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 202 | Independent Mortgage Company |
| 6 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 160 | Independent Mortgage Company |
| 7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 133 | Independent Mortgage Company |
| 8 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 62 | Independent Mortgage Company |
| 9 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 59 | Independent Mortgage Company |
| 10 | Boeing Employees Credit Union | 73 | 66 | 57 | 54 | Credit Union |
| 11 | INSPIRE HOME LOANS INC. | 73 | 43 | 75 | 41 | Independent Mortgage Company |
| 12 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 41 | Bank |
| 13 | BAY EQUITY LLC | 73 | 43 | 65 | 37 | Independent Mortgage Company |
| 14 | U.S. Bank National Association | 73 | 75 | 71 | 31 | Bank |
| 15 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 188 | Independent Mortgage Company |
| 16 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 94 | Independent Mortgage Company |
| 17 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 45 | Independent Mortgage Company |
| 18 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 31 | Independent Mortgage Company |
| 19 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 30 | Bank |
| 20 | Mortgage Research Center, LLC | 63 | 34 | 70 | 80 | Independent Mortgage Company |
| 21 | CANOPY MORTGAGE, LLC | 63 | 21 | 70 | 52 | Independent Mortgage Company |
| 22 | 1st Security Bank of Washington | 63 | 24 | 76 | 44 | Bank |
| 23 | CORNERSTONE CAPITAL BANK, SSB | 63 | 23 | 79 | 32 | Bank |
| 24 | SCENIC OAKS FUNDING, LLC | 63 | 22 | 74 | 26 | Independent Mortgage Company |
| 25 | NEWREZ LLC | 62 | 35 | 59 | 123 | Independent Mortgage Company |
| 26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 62 | 26 | 83 | 31 | Independent Mortgage Company |
| 27 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 58 | 11 | 84 | 218 | Independent Mortgage Company |
| 28 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 76 | Independent Mortgage Company |
| 29 | KITSAP Credit Union | 58 | 55 | 25 | 40 | Credit Union |
| 30 | Umpqua Bank | 58 | 29 | 65 | 27 | Bank |
| 31 | HomeStreet Bank | 58 | 29 | 67 | 23 | Bank |
| 32 | AMERICAN PACIFIC MORTGAGE CORPORATION | 54 | 14 | 84 | 36 | Independent Mortgage Company |
| 33 | OriginPoint, LLC | 52 | 31 | 53 | 26 | Independent Mortgage Company |
| 34 | MASON MCDUFFIE MORTGAGE CORPORATION | 52 | 26 | 60 | 20 | Independent Mortgage Company |
| 35 | Cornerstone First Mortgage, Inc | 42 | 16 | 55 | 24 | Independent Mortgage Company |
| 36 | PRIORITY HOME LENDING, LLC | 42 | 12 | 59 | 21 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Bremerton.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.