Safe Rate Rankings

Best Conventional Mortgage Lenders in Kennewick

Updated May 23, 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 Lenders46

Total Loans3,391

Median Rate Spread0.19%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$836Fees	0.510%Below	25
2	Yakima Federal Savings and Loan AssociationBank	Exceptional	Strong	Strong	Strong	Strong	$4,491Fees	0.329%Below	56
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,120Fees	0.018%Below	25
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,612Fees	0.083%Above	471
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$5,218Fees	0.120%Above	287
6	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$4,846Fees	0.199%Above	53
7	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$3,489Fees	0.226%Above	42
8	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,752Fees	0.095%Above	13
9	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,623Fees	0.301%Above	455
10	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$6,831Fees	0.264%Above	182
11	Boeing Employees Credit UnionCredit Union	Strong	Strong	Strong	Sound	Sound	$188Credit	0.103%Above	10
12	1st Security Bank of WashingtonBank	Strong	Acceptable	Strong	Strong	Exceptional	$5,187Fees	0.177%Above	245
13	GESACredit Union	Strong	Acceptable	Strong	Strong	Exceptional	$4,523Fees	0.127%Below	167
14	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$4,900Fees	0.125%Above	75
15	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,407Fees	0.673%Above	63
16	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$6,001Fees	0.441%Above	42
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$3,144Fees	0.234%Below	26
18	Washington Trust BankBank	Strong	Strong	Sound	Sound	Sound	$1,575Fees	0.106%Above	11
19	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$6,248Fees	0.291%Above	152
20	Umpqua BankBank	Strong	Acceptable	Strong	Strong	Strong	$4,735Fees	0.208%Above	72
21	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,975Fees	0.439%Above	59
22	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,291Fees	0.263%Above	34
23	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,440Fees	0.288%Above	27
24	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,732Fees	0.492%Above	22
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,765Fees	0.355%Above	18
26	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$6,579Fees	0.175%Below	13
27	SUMMIT FUNDING, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$6,883Fees	0.403%Above	93
28	HAPO COMMUNITY CREDIT UNIONCredit Union	Strong	Acceptable	Sound	Sound	Exceptional	$4,213Fees	0.182%Above	79
29	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$5,673Fees	0.382%Above	78
30	PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$7,485Fees	0.579%Above	76
31	Banner BankBank	Strong	Acceptable	Strong	Sound	Strong	$2,579Fees	0.085%Above	43
32	Glacier BankBank	Strong	Acceptable	Exceptional	Sound	Sound	$4,938Fees	0.427%Above	27
33	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,006Fees	0.249%Above	21
34	SPOKANE TEACHERSCredit Union	Strong	Acceptable	Strong	Strong	Sound	$4,617Fees	0.314%Above	20
35	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,992Fees	0.205%Below	18
36	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,210Fees	0.185%Above	10
37	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$6,333Fees	0.721%Above	24
38	EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$6,325Fees	0.600%Above	22
39	CORNERSTONE CAPITAL BANK, SSBBank	Sound	Mediocre	Exceptional	Strong	Sound	$5,543Fees	0.757%Above	14
40	Cornerstone First Mortgage, IncIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$4,771Fees	0.389%Above	41
41	MORTGAGEONE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$4,693Fees	0.333%Above	14
42	LPMC, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Strong	Sound	$5,134Fees	0.317%Above	16

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.