Safe Rate Rankings

Best Conventional 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.

Market

Total Lenders58

Total Loans3,223

Median Rate Spread0.12%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

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

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.