Safe Rate Rankings

Best Mortgage Lenders in Washington

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 Lenders283

Total Loans84,205

Median Rate Spread0.23%

Washington Market Insights

Global Federal Credit Union is Safe Rate's top-ranked lender in Washington, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Washington: Bank: Us Bank National Association (#2). Credit union: Global Federal Credit Union (#1). Mortgage company: United Wholesale Mortgage (#4).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Washington, Morgan Stanley Private Bank National Association and Navy Federal Credit Union scores highest on pricing while United Wholesale Mortgage and Global Federal Credit Union leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #4 in Washington, 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 Washington: Rocket Mortgage (#11) and Boeing Employees Credit Union (#9).

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 USDA 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	Global Federal Credit Union Credit UnionDirect	Strong	Strong	Exceptional	Exceptional	$981Fees	0.514%Below	479
2	U.S. Bank National Association BankDirect	Strong	Strong	Strong	Exceptional	$136Credit	0.111%Below	1,709
3	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Exceptional	$795Fees	0.540%Below	788
4	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	$3,115Fees	0.001%Below	6,493
5	Bank of America, National Association BankDirect	Strong	Strong	Strong	Exceptional	$321Fees	0.283%Below	957
6	SAMMAMISH MORTGAGE COMPANY Independent Mortgage CompanyDirect	Strong	Strong	Strong	Exceptional	$876Fees	0.023%Above	677
7	Morgan Stanley Private Bank, National Association BankDirect	Strong	Exceptional	Strong	Strong	$422Fees	0.454%Below	274
8	NBKC BANK BankDirect	Strong	Exceptional	Sound	Strong	$625Fees	0.281%Below	331
9	Boeing Employees Credit Union Credit UnionDirect	Strong	Strong	Sound	Exceptional	$762Fees	0.030%Below	2,369
10	KeyBank National Association BankDirect	Strong	Strong	Strong	Exceptional	$646Fees	0.071%Below	540
11	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$4,078Fees	0.120%Above	5,275
12	ONPOINT COMMUNITY CREDIT UNION Credit UnionDirect	Strong	Strong	Strong	Strong	$1,493Fees	0.103%Above	180
13	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,624Fees	0.359%Above	3,891
14	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Sound	Strong	$1,702Fees	0.116%Below	472
15	Citibank, National Association BankDirect	Strong	Exceptional	Sound	Strong	$1,372Credit	0.367%Below	236
16	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,758Fees	0.314%Above	3,718
17	HSBC BANK USA, NATIONAL ASSOCIATION BankDirect	Strong	Strong	Strong	Strong	$589Credit	0.191%Below	348
18	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Exceptional	$1,620Fees	0.030%Below	1,657
19	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Exceptional	$2,475Fees	0.063%Above	1,250
20	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Sound	Exceptional	$1,397Fees	0.145%Below	1,126
21	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$4,531Fees	0.328%Above	3,807
22	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Exceptional	$2,351Fees	0.079%Below	1,187
23	PNC Bank, National Association BankDirect	Strong	Strong	Strong	Strong	$355Credit	0.007%Above	374
24	FIRST TECHNOLOGY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Strong	Strong	Strong	$519Credit	0.091%Below	355
25	WHATCOM EDUCATIONAL CREDIT UNION Credit UnionDirect	Strong	Sound	Strong	Strong	$1,482Fees	0.136%Above	207
26	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,601Fees	0.070%Above	651
27	DIRECTORS MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	—	Strong	Strong	—	—	288
28	General Mortgage Capital Corporation Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$1,687Fees	0.093%Below	210
29	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,855Fees	0.371%Above	1,968
30	Yakima Federal Savings and Loan Association BankDirect & Wholesale	Strong	Strong*	Sound	Strong	$3,652Fees	0.311%Below	172
31	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	$3,919Fees	0.154%Above	1,068
32	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	$3,170Fees	0.197%Above	547
33	EVERGREEN MONEYSOURCE MORTGAGE COMPANY Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Exceptional	$5,165Fees	0.472%Above	1,921
34	1st Security Bank of Washington BankDirect	Strong	Acceptable	Strong	Exceptional	$4,249Fees	0.190%Above	935
35	NFM, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$4,400Fees	0.356%Above	718
36	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$4,049Fees	0.421%Above	3,427
37	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Exceptional	$5,328Fees	0.439%Above	1,783
38	CORNERSTONE CAPITAL BANK, SSB BankDirect	Strong	Acceptable	Strong	Exceptional	$3,975Fees	0.403%Above	1,016
39	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$3,083Fees	0.211%Above	813
40	Sunflower Bank, National Association BankDirect	Strong	Acceptable	Strong	Exceptional	$4,653Fees	0.244%Above	507
41	INSPIRE HOME LOANS INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$1,989Fees	0.460%Above	282
42	NOVA FINANCIAL & INVESTMENT CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$6,184Fees	0.315%Above	217
43	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$3,714Fees	0.205%Above	997
44	NATIONS DIRECT MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	$3,041Fees	0.183%Above	335
45	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Sound	Strong	$1,964Fees	0.056%Above	291
46	Washington Trust Bank BankDirect	Strong	Sound	Sound	Strong	$1,144Fees	0.180%Above	237
47	BMO Bank National Association BankDirect	Strong	Sound	Sound	Strong	$28Credit	0.073%Above	206
48	HomeStreet Bank BankDirect	Strong	Acceptable	Strong	Exceptional	$3,019Fees	0.238%Above	568
49	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$5,912Fees	0.368%Above	463
50	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	$2,328Fees	0.238%Above	313

❓ Frequently Asked Questions

How are mortgage lenders ranked in Washington?+

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 Washington), 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 Washington?+

Based on 2024 HMDA data, 283 lenders originated a combined 84,205 loans in Washington. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

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

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Washington is 0.23%. 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 Washington'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.