Safe Rate Rankings

Best Bank Mortgage Lenders in Bremerton

Updated June 1, 2026
⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
📊 HMDA 2024Built using publicly available originated loan data from the federal government.
🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.
Total Lenders58
Total Loans3,223
Median Rate Spread0.12%

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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
NBKC BANKBank
Exceptional
Exceptional
Sound
Strong
$2,088Fees
0.459%Below
62
2
U.S. Bank National AssociationBank
Strong
Strong
Strong
Sound
$387Credit
0.122%Below
31
3
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Strong
Strong
$3,158Fees
0.033%Above
41
4
Wells Fargo Bank, National AssociationBank
Strong
Strong
Sound
Sound
$1,499Fees
0.109%Below
30
5
1st Security Bank of WashingtonBank
Strong
Acceptable
Strong
Strong
$4,532Fees
0.213%Above
44
6
CORNERSTONE CAPITAL BANK, SSBBank
Strong
Acceptable
Strong
Strong
$3,061Fees
0.664%Above
32
7
Umpqua BankBank
Sound
Acceptable
Strong
Sound
$1,741Fees
0.157%Above
27
8
HomeStreet BankBank
Sound
Acceptable
Strong
Sound
$5,244Fees
0.009%Above
23

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 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)

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.