Safe Rate Rankings

Best VA Mortgage Lenders in Bremerton

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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%

Bremerton Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked VA lender in Bremerton, leading on pricing, pullthrough, VA product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Bremerton, Nbkc Bank and Navy Federal Credit Union scores highest on VA pricing while Cornerstone Capital Bank SSB and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 in Bremerton, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Bremerton: Rocket Mortgage (#5) and Evergreen Moneysource Mortgage (#16).

Explore Rankings by Type

Overall Rankings

All lenders in Bremerton

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Strong*	Exceptional	Exceptional	Exceptional	$3,438Fees	0.206%Below	263
2	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Exceptional	Exceptional	Exceptional	Sound	Exceptional	$707Fees	0.356%Below	124
3	NBKC BANK BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$2,088Fees	0.459%Below	62
4	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Exceptional	$4,072Fees	0.381%Above	160
5	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,099Fees	0.045%Above	202
6	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,283Fees	0.504%Above	133
7	INSPIRE HOME LOANS INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$8,012Fees	0.769%Above	41
8	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Strong	$2,737Fees	0.115%Below	45
9	CORNERSTONE CAPITAL BANK, SSB BankDirect	Strong	Strong	Exceptional	Exceptional	Strong	$3,061Fees	0.664%Above	32
10	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,027Fees	0.346%Above	188
11	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,854Fees	0.074%Above	123
12	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$3,117Fees	0.307%Below	62
13	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,383Fees	0.120%Below	59
14	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Sound	$5,937Fees	0.338%Above	31
15	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Sound	$3,516Fees	0.159%Above	31
16	EVERGREEN MONEYSOURCE MORTGAGE COMPANY Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$5,458Fees	0.328%Above	218
17	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	—	—	80
18	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,985Fees	0.141%Above	94
19	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,013Fees	0.130%Below	37
20	SAMMAMISH MORTGAGE COMPANY Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Strong	$1,404Fees	0.084%Above	28
21	USAA Federal Savings Bank BankDirect	Strong	Strong	Exceptional	Sound	Sound	$2,005Fees	0.271%Below	13
22	1st Security Bank of Washington BankDirect	Strong	Acceptable	Strong	Strong	Strong	$4,532Fees	0.213%Above	44
23	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Sound	Strong	$3,884Fees	0.448%Above	76
24	CANOPY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$5,163Fees	0.319%Above	52
25	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$6,289Fees	0.412%Above	36
26	MORTGAGE SOLUTIONS OF COLORADO, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$5,554Fees	0.193%Above	13
27	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$3,651Fees	0.503%Above	16
28	Umpqua Bank BankDirect	Sound	Acceptable	Strong	Strong	Sound	$1,741Fees	0.157%Above	27
29	Cornerstone First Mortgage, Inc Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Sound	$5,100Fees	0.086%Above	24
30	MASON MCDUFFIE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Sound	$4,093Fees	0.157%Above	20

❓ Frequently Asked Questions

How are mortgage lenders ranked in Bremerton?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Bremerton), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Bremerton?+

Based on 2024 HMDA data, 58 lenders originated a combined 3,223 loans in Bremerton. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Bremerton?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Bremerton is 0.12%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Bremerton's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.