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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 Mortgage Lenders in Kennewick
Updated February 5, 2026
Market Overview
46
Total Lenders
3,391
Total Loans
0.19%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $4,612 | +0.083% | 471 | |
2 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $836 | -0.510% | 25 | |
3 | Yakima Federal Savings and Loan Association | Strong | Strong | Sound | Strong | $4,491 | -0.329% | 56 | |
4 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $1,120 | -0.018% | 25 | |
5 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,623 | +0.301% | 455 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $5,218 | +0.120% | 287 | |
7 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $6,831 | +0.264% | 182 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $4,846 | +0.199% | 53 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $3,489 | +0.226% | 42 | |
10 | 1st Security Bank of Washington | Strong | Acceptable | Strong | Exceptional | $5,187 | +0.177% | 245 | |
11 | GESA | Strong | Acceptable | Strong | Exceptional | $4,523 | -0.127% | 167 | |
12 | Banner Bank | Strong | Sound | Sound | Strong | $2,579 | +0.085% | 43 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $6,001 | +0.441% | 42 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $3,144 | -0.234% | 26 | |
15 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,732 | +0.492% | 22 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,111 | +0.107% | 21 | |
17 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $6,248 | +0.291% | 152 | |
18 | HAPO COMMUNITY CREDIT UNION | Strong | Acceptable | Sound | Exceptional | $4,213 | +0.182% | 79 | |
19 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $4,900 | +0.125% | 75 | |
20 | Umpqua Bank | Strong | Acceptable | Strong | Strong | $4,735 | +0.208% | 72 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,407 | +0.673% | 63 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $5,291 | +0.263% | 34 | |
23 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | $6,883 | +0.403% | 93 | |
24 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,975 | +0.439% | 59 | |
25 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,440 | +0.288% | 27 | |
26 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | $5,673 | +0.382% | 78 | |
27 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Strong | Strong | $7,485 | +0.579% | 76 | |
28 | Glacier Bank | Sound | Acceptable | Sound | Sound | $4,938 | +0.427% | 27 | |
29 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Sound | $6,333 | +0.721% | 24 | |
30 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Sound | Mediocre | Exceptional | Sound | $6,325 | +0.600% | 22 | |
31 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $1,006 | +0.249% | 21 | |
32 | SPOKANE TEACHERS | Sound | Acceptable | Sound | Sound | $4,617 | +0.314% | 20 | |
33 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Sound | Strong | $4,771 | +0.389% | 41 |
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.
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