Safe Rate Rankings

Best Mortgage Lenders in Kennewick

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 Lenders46

Total Loans3,391

Median Rate Spread0.19%

Kennewick Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked lender in Kennewick, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Kennewick: Bank: 1st Security Bank of Washington (#5). Credit union: Navy Federal Credit Union (#4). Mortgage company: United Wholesale Mortgage (#1).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Kennewick, Navy Federal Credit Union and Us Bank National Association scores highest on pricing while Rocket Mortgage 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 Kennewick, 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 Kennewick: Rocket Mortgage (#3) and Cmg Mortgage (#2).

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

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

❓ Frequently Asked Questions

How are mortgage lenders ranked in Kennewick?+

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 Kennewick), 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 Kennewick?+

Based on 2024 HMDA data, 46 lenders originated a combined 3,391 loans in Kennewick. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

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

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Kennewick is 0.19%. 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 Kennewick'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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.

⚖️ 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.