Safe Rate Rankings
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!
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association BankDirect | Exceptional | Strong | Exceptional | Strong | Exceptional | $136Credit | 0.111%Below | 1,709 | |
2 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Exceptional | Acceptable* | Exceptional | Exceptional | Exceptional | $3,115Fees | 0.001%Below | 6,493 | |
3 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Exceptional | Sound | Exceptional | $795Fees | 0.540%Below | 788 | |
4 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | Exceptional | $4,078Fees | 0.120%Above | 5,275 | |
5 | Bank of America, National Association BankDirect | Strong | Strong | Exceptional | Strong | Exceptional | $321Fees | 0.283%Below | 957 | |
6 | Global Federal Credit Union Credit UnionDirect | Strong | Strong | Exceptional | Strong | Exceptional | $981Fees | 0.514%Below | 479 | |
7 | Boeing Employees Credit Union Credit UnionDirect | Strong | Strong | Strong | Sound | Exceptional | $762Fees | 0.030%Below | 2,369 | |
8 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Exceptional | $1,620Fees | 0.030%Below | 1,657 | |
9 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,624Fees | 0.359%Above | 3,891 | |
10 | KeyBank National Association BankDirect | Strong | Strong | Exceptional | Strong | Exceptional | $646Fees | 0.071%Below | 540 | |
11 | PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale | Strong | Exceptional* | Exceptional | Sound | Strong | $1,702Fees | 0.116%Below | 472 | |
12 | PNC Bank, National Association BankDirect | Strong | Strong | Exceptional | Strong | Strong | $355Credit | 0.007%Above | 374 | |
13 | Morgan Stanley Private Bank, National Association BankDirect | Strong | Exceptional | Strong | Sound | Strong | $422Fees | 0.454%Below | 274 | |
14 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,758Fees | 0.314%Above | 3,718 | |
15 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,531Fees | 0.328%Above | 3,807 | |
16 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Exceptional | $2,475Fees | 0.063%Above | 1,250 | |
17 | Wells Fargo Bank, National Association BankDirect | Strong | Strong | Exceptional | Sound | Exceptional | $1,397Fees | 0.145%Below | 1,126 | |
18 | SAMMAMISH MORTGAGE COMPANY Independent Mortgage CompanyDirect | Strong | Strong | Strong | Sound | Exceptional | $876Fees | 0.023%Above | 677 | |
19 | Citibank, National Association BankDirect | Strong | Exceptional | Exceptional | Sound | Strong | $1,372Credit | 0.367%Below | 236 | |
20 | ONPOINT COMMUNITY CREDIT UNION Credit UnionDirect | Strong | Strong | Strong | Strong | Strong | $1,493Fees | 0.103%Above | 180 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,855Fees | 0.371%Above | 1,968 | |
22 | NBKC BANK BankDirect | Strong | Exceptional | Strong | Sound | Strong | $625Fees | 0.281%Below | 331 | |
23 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,049Fees | 0.421%Above | 3,427 | |
24 | BAY EQUITY LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Exceptional | $3,919Fees | 0.154%Above | 1,068 | |
25 | Yakima Federal Savings and Loan Association BankDirect & Wholesale | Strong | Strong* | Strong | Strong | Strong | $3,652Fees | 0.311%Below | 172 | |
26 | General Mortgage Capital Corporation Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | Strong | $1,687Fees | 0.093%Below | 210 | |
27 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $3,083Fees | 0.211%Above | 813 | |
28 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Exceptional | Strong | Strong | $3,170Fees | 0.197%Above | 547 | |
29 | HSBC BANK USA, NATIONAL ASSOCIATION BankDirect | Strong | Strong | Strong | Sound | Strong | $589Credit | 0.191%Below | 348 | |
30 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,165Fees | 0.472%Above | 1,921 | |
31 | AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,328Fees | 0.439%Above | 1,783 | |
32 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Sound | Exceptional | $2,351Fees | 0.079%Below | 1,187 | |
33 | DIRECTORS MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | — | Strong | Strong | Strong | — | — | 288 | |
34 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Sound | Exceptional | $2,593Fees | 0.255%Above | 1,521 | |
35 | PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $5,912Fees | 0.368%Above | 463 | |
36 | Flagstar Bank, N.A. BankDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | Strong | $3,711Fees | 0.203%Above | 282 | |
37 | NOVA FINANCIAL & INVESTMENT CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $6,184Fees | 0.315%Above | 217 | |
38 | NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,888Fees | 0.403%Above | 1,164 | |
39 | CORNERSTONE CAPITAL BANK, SSB BankDirect | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,975Fees | 0.403%Above | 1,016 | |
40 | NFM, INC. Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,400Fees | 0.356%Above | 718 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Strong | Strong | Sound | Strong | $1,964Fees | 0.056%Above | 291 | |
42 | 1st Security Bank of Washington BankDirect | Strong | Acceptable | Strong | Strong | Exceptional | $4,249Fees | 0.190%Above | 935 | |
43 | Banner Bank BankDirect | Strong | Acceptable | Strong | Sound | Exceptional | $3,212Fees | 0.187%Above | 622 | |
44 | Sunflower Bank, National Association BankDirect | Strong | Acceptable | Strong | Strong | Exceptional | $4,653Fees | 0.244%Above | 507 | |
45 | NATIONS DIRECT MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Strong | Strong | $3,041Fees | 0.183%Above | 335 | |
46 | T2 FINANCIAL LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $3,876Fees | 0.397%Above | 262 | |
47 | WHATCOM EDUCATIONAL CREDIT UNION Credit UnionDirect | Strong | Sound | Strong | Strong | Strong | $1,482Fees | 0.136%Above | 207 | |
48 | Umpqua Bank BankDirect | Strong | Acceptable | Strong | Strong | Exceptional | $3,137Fees | 0.219%Above | 520 | |
49 | FIRST TECHNOLOGY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Sound | Strong | Sound | Strong | $519Credit | 0.091%Below | 355 | |
50 | KIND LENDING, LLC Independent Mortgage CompanyWholesale | Strong | Acceptable* | Exceptional | Strong | Strong | $2,328Fees | 0.238%Above | 313 |
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.
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.
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.
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.
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.
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.
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.
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.