Safe Rate Rankings

Best All Lender 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%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Exceptional	$707Fees	0.356%Below	124
2	NBKC BANKBank	Exceptional	Exceptional	Sound	Strong	$2,088Fees	0.459%Below	62
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,438Fees	0.206%Below	263
4	SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company	Strong	Strong	Strong	Strong	$1,404Fees	0.084%Above	28
5	Boeing Employees Credit UnionCredit Union	Strong	Strong	Sound	Strong	$299Fees	0.064%Above	54
6	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$387Credit	0.122%Below	31
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,099Fees	0.045%Above	202
8	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,072Fees	0.381%Above	160
9	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,283Fees	0.504%Above	133
10	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,117Fees	0.307%Below	62
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,383Fees	0.120%Below	59
12	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$8,012Fees	0.769%Above	41
13	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$3,158Fees	0.033%Above	41
14	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$4,013Fees	0.130%Below	37
15	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$1,499Fees	0.109%Below	30
16	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,027Fees	0.346%Above	188
17	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,985Fees	0.141%Above	94
18	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,737Fees	0.115%Below	45
19	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,516Fees	0.159%Above	31
20	EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$5,458Fees	0.328%Above	218
21	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Sound	Exceptional	$3,854Fees	0.074%Above	123
22	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$5,163Fees	0.319%Above	52
23	1st Security Bank of WashingtonBank	Strong	Acceptable	Strong	Strong	$4,532Fees	0.213%Above	44
24	KITSAP Credit UnionCredit Union	Strong	Sound	Acceptable	Strong	$1,688Fees	0.066%Below	40
25	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Acceptable	Strong	Strong	$3,061Fees	0.664%Above	32
26	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$5,937Fees	0.338%Above	31
27	SCENIC OAKS FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,029Fees	0.244%Above	26
28	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,884Fees	0.448%Above	76
29	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$6,289Fees	0.412%Above	36
30	Umpqua BankBank	Sound	Acceptable	Strong	Sound	$1,741Fees	0.157%Above	27
31	HomeStreet BankBank	Sound	Acceptable	Strong	Sound	$5,244Fees	0.009%Above	23
32	OriginPoint, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,965Fees	0.465%Above	26
33	MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$4,093Fees	0.157%Above	20
34	Cornerstone First Mortgage, IncIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	$5,100Fees	0.086%Above	24
35	PRIORITY HOME LENDING, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	$3,936Fees	0.465%Above	21

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.