# SAMMAMISH MORTGAGE COMPANY

> **Canonical URL:** https://saferate.com/lenders/sammamish-mortgage


> **📋 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


SAMMAMISH MORTGAGE COMPANY is a independent mortgage company, headquartered in FALL CITY, WA, serving borrowers across 5 states, with 820 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 22% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493009HUMWCHFRDKF12
- **Headquarters:** FALL CITY, WA
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** CA, CO, ID, OR, WA
- **Markets (MSAs):** 10
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.001%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,003
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 820
- **Dollar Volume:** $467 million
- **Applications Received:** 1,148
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $568,902
- **Average Borrower Income:** $216,960
- **Average Property Value:** $822,610

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **VA Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 765 | +0.011% | $1,003 | Strong 😀 |
| VA | 63/100 | 37 | -0.522% | $1,192 | Strong 😀 |
| Jumbo | 64/100 | 18 | +0.254% | $759 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 658 loans, Score: 67/100 (Strong)
- Refinance: 107 loans, Score: 63/100 (Strong)

**VA:**
- Purchase: 36 loans, Score: 64/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 711 | $404M | -0.006% | Strong 😀 |
| Refinance | 62/100 | 109 | $63M | +0.044% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WA | 677 | 0.80% | 89/100 |
| OR | 111 | 0.26% | 68/100 |
| ID | 15 | 0.06% | 44/100 |
| CA | 14 | 0.00% | 38/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Seattle | WA | 395 | 89/100 |
| Portland | OR-WA | 97 | 68/100 |
| Everett, WA | WA | 88 | 77/100 |
| Tacoma | WA | 57 | 69/100 |
| Non |  | 53 | 41/100 |
| Bremerton | WA | 28 | 62/100 |
| Spokane | WA | 14 | 47/100 |
| Bellingham, WA | WA | 11 | 44/100 |
| Olympia | WA | 11 | 44/100 |
| Wenatchee | WA | 10 | 44/100 |

## Where This Lender Ranks

SAMMAMISH MORTGAGE COMPANY appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Washington Mortgage Companies
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Seattle Mortgage Companies
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Oregon Mortgage Companies
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Portland Mortgage Companies
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Everett, WA Mortgage Companies
  - [View Full Rankings](https://saferate.com/everett-wa/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Tacoma Mortgage Companies
  - [View Full Rankings](https://saferate.com/tacoma/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Bremerton Mortgage Companies
  - [View Full Rankings](https://saferate.com/bremerton/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Seattle
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders)
- 🥉 **#3** in Bremerton
  - [View Full Rankings](https://saferate.com/bremerton/best-mortgage-lenders)
- 🏆 **#4** in Washington
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders)
- 🏆 **#4** in Seattle for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Everett, WA
  - [View Full Rankings](https://saferate.com/everett-wa/best-mortgage-lenders)
- 🏆 **#5** in Tacoma
  - [View Full Rankings](https://saferate.com/tacoma/best-mortgage-lenders)
- 🏆 **#6** in Washington for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Seattle for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#6** in Wenatchee for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/wenatchee/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Washington for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#7** in Portland
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders)
- 🏆 **#9** in Oregon
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders)
- 🏆 **#9** in Bremerton for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bremerton/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does SAMMAMISH MORTGAGE COMPANY offer?

SAMMAMISH MORTGAGE COMPANY offers the following mortgage loan types: Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SAMMAMISH MORTGAGE COMPANY offer mortgages?

SAMMAMISH MORTGAGE COMPANY offers mortgages in 5 states: CA, CO, ID, OR, WA.

### How competitive are SAMMAMISH MORTGAGE COMPANY's mortgage rates?

SAMMAMISH MORTGAGE COMPANY has a pricing score of 78/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.001% above market average.

### What type of lender is SAMMAMISH MORTGAGE COMPANY?

SAMMAMISH MORTGAGE COMPANY is a non-depository lender that specializes in mortgage origination, headquartered in FALL CITY, WA.

### What is SAMMAMISH MORTGAGE COMPANY's loan approval success rate?

SAMMAMISH MORTGAGE COMPANY has a pull-through score of 64/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/sammamish-mortgage

### How to Cite

> "SAMMAMISH MORTGAGE COMPANY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/sammamish-mortgage

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