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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 Conventional Mortgage Lenders in Bremerton
Updated February 5, 2026
Market Overview
58
Total Lenders
3,223
Total Loans
0.12%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $707 | -0.356% | 124 | |
2 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $2,088 | -0.459% | 62 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $3,019 | -0.135% | 14 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | -$387 | -0.122% | 31 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $974 | +0.034% | 18 | |
6 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $307 | -0.439% | 12 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,438 | -0.206% | 263 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,099 | +0.045% | 202 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,383 | -0.120% | 59 | |
10 | Boeing Employees Credit Union | Strong | Strong | Strong | Sound | Strong | $299 | +0.064% | 54 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $3,158 | +0.033% | 41 | |
12 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $4,013 | -0.130% | 37 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,499 | -0.109% | 30 | |
14 | SAMMAMISH MORTGAGE COMPANY | Strong | Strong | Strong | Sound | Strong | $1,404 | +0.084% | 28 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,027 | +0.346% | 188 | |
16 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,072 | +0.381% | 160 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,283 | +0.504% | 133 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,117 | -0.307% | 62 | |
19 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,854 | +0.074% | 123 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,985 | +0.141% | 94 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,737 | -0.115% | 45 | |
22 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,458 | +0.328% | 218 | |
23 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,884 | +0.448% | 76 | |
24 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $5,163 | +0.319% | 52 | |
25 | 1st Security Bank of Washington | Strong | Acceptable | Strong | Strong | Strong | $4,532 | +0.213% | 44 | |
26 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $8,012 | +0.769% | 41 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $5,937 | +0.338% | 31 | |
28 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,029 | +0.244% | 26 | |
29 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $5,782 | +0.342% | 17 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,651 | +0.503% | 16 | |
31 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,881 | +0.023% | 14 | |
32 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,954 | +0.036% | 12 | |
33 | KITSAP Credit Union | Strong | Sound | Acceptable | Sound | Strong | $1,688 | -0.066% | 40 | |
34 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $6,289 | +0.412% | 36 | |
35 | CORNERSTONE CAPITAL BANK, SSB | Strong | Mediocre | Exceptional | Strong | Strong | $3,061 | +0.664% | 32 | |
36 | Umpqua Bank | Strong | Acceptable | Strong | Strong | Sound | $1,741 | +0.157% | 27 | |
37 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $4,093 | +0.157% | 20 | |
38 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Sound | $1,639 | +0.289% | 14 | |
39 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,554 | +0.244% | 10 | |
40 | OriginPoint, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,965 | +0.465% | 26 | |
41 | HomeStreet Bank | Sound | Acceptable | Strong | Sound | Sound | $5,244 | +0.009% | 23 | |
42 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,839 | +0.541% | 18 | |
43 | Banner Bank | Sound | Acceptable | Strong | Sound | Sound | $4,149 | +0.071% | 11 | |
44 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Acceptable | $4,406 | +0.279% | 10 | |
45 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Acceptable | $5,007 | +0.388% | 10 | |
46 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Sound | Sound | $5,100 | +0.086% | 24 | |
47 | PRIORITY HOME LENDING, LLC | Sound | Mediocre | Sound | Sound | Sound | $3,936 | +0.465% | 21 | |
48 | Timberland Bank | Sound | Acceptable | Acceptable | Acceptable | Sound | $1,538 | +0.230% | 14 | |
49 | WASHINGTON FEDERAL BANK | Sound | Mediocre | Strong | Acceptable | Sound | -$75 | +0.957% | 11 |
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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