# Best Conventional Mortgage Lenders in Bremerton

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

Compare the top Conventional mortgage lenders in Bremerton. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | NAVY FEDERAL CREDIT UNION | 88 | 92 | 53 | 124 | Credit Union |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 263 | Independent Mortgage Company |
| 3 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 202 | Independent Mortgage Company |
| 4 | NBKC BANK | 79 | 90 | 49 | 62 | Bank |
| 5 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 59 | Independent Mortgage Company |
| 6 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 41 | Bank |
| 7 | BAY EQUITY LLC | 79 | 46 | 65 | 37 | Independent Mortgage Company |
| 8 | U.S. Bank National Association | 79 | 75 | 69 | 31 | Bank |
| 9 | Bank of America, National Association | 79 | 71 | 67 | 18 | Bank |
| 10 | PROVIDENT FUNDING ASSOCIATES, L.P. | 77 | 83 | 55 | 14 | Independent Mortgage Company |
| 11 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 188 | Independent Mortgage Company |
| 12 | MOVEMENT MORTGAGE, LLC | 75 | 34 | 77 | 160 | Independent Mortgage Company |
| 13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 133 | Independent Mortgage Company |
| 14 | Boeing Employees Credit Union | 74 | 72 | 55 | 54 | Credit Union |
| 15 | SAMMAMISH MORTGAGE COMPANY | 74 | 79 | 58 | 28 | Independent Mortgage Company |
| 16 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 62 | Independent Mortgage Company |
| 17 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 30 | Bank |
| 18 | Morgan Stanley Private Bank, National Association | 73 | 96 | 57 | 12 | Bank |
| 19 | GUILD MORTGAGE COMPANY LLC | 71 | 25 | 77 | 94 | Independent Mortgage Company |
| 20 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 45 | Independent Mortgage Company |
| 21 | NEWREZ LLC | 70 | 31 | 58 | 123 | Independent Mortgage Company |
| 22 | 1st Security Bank of Washington | 67 | 23 | 71 | 44 | Bank |
| 23 | INSPIRE HOME LOANS INC. | 67 | 40 | 61 | 41 | Independent Mortgage Company |
| 24 | SCENIC OAKS FUNDING, LLC | 67 | 23 | 65 | 26 | Independent Mortgage Company |
| 25 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 76 | Independent Mortgage Company |
| 26 | CANOPY MORTGAGE, LLC | 66 | 24 | 60 | 52 | Independent Mortgage Company |
| 27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 66 | 26 | 76 | 31 | Independent Mortgage Company |
| 28 | NOVA FINANCIAL & INVESTMENT CORPORATION | 66 | 38 | 74 | 17 | Independent Mortgage Company |
| 29 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 16 | Independent Mortgage Company |
| 30 | GUARANTEED RATE, INC. | 66 | 39 | 65 | 14 | Independent Mortgage Company |
| 31 | THE LOAN STORE, INC. | 66 | 39 | 71 | 12 | Independent Mortgage Company |
| 32 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 63 | 11 | 77 | 218 | Independent Mortgage Company |
| 33 | Umpqua Bank | 63 | 31 | 64 | 27 | Bank |
| 34 | MASON MCDUFFIE MORTGAGE CORPORATION | 63 | 26 | 70 | 20 | Independent Mortgage Company |
| 35 | NATIONS DIRECT MORTGAGE, LLC | 63 | 40 | 66 | 14 | Independent Mortgage Company |
| 36 | AMERICAN PACIFIC MORTGAGE CORPORATION | 60 | 15 | 75 | 36 | Independent Mortgage Company |
| 37 | CORNERSTONE CAPITAL BANK, SSB | 60 | 20 | 74 | 32 | Bank |
| 38 | KIND LENDING, LLC | 60 | 31 | 66 | 10 | Independent Mortgage Company |
| 39 | KITSAP Credit Union | 58 | 55 | 40 | 40 | Credit Union |
| 40 | OriginPoint, LLC | 58 | 29 | 45 | 26 | Independent Mortgage Company |
| 41 | HomeStreet Bank | 58 | 30 | 57 | 23 | Bank |
| 42 | Banner Bank | 58 | 36 | 60 | 11 | Bank |
| 43 | NFM, INC. | 56 | 19 | 77 | 18 | Independent Mortgage Company |
| 44 | DIRECTORS MORTGAGE, INC. | 53 | N/A | 70 | 15 | Independent Mortgage Company |
| 45 | ZILLOW HOME LOANS, LLC | 53 | 32 | 50 | 10 | Independent Mortgage Company |
| 46 | Luminate Home Loans, Inc. | 50 | 14 | 66 | 10 | Independent Mortgage Company |
| 47 | Cornerstone First Mortgage, Inc | 49 | 15 | 46 | 24 | Independent Mortgage Company |
| 48 | PRIORITY HOME LENDING, LLC | 46 | 12 | 55 | 21 | Independent Mortgage Company |
| 49 | Timberland Bank | 44 | 40 | 32 | 14 | Bank |
| 50 | WASHINGTON FEDERAL BANK | 44 | 14 | 34 | 11 | Bank |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.