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