Safe Rate Rankings

Best Jumbo 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

Us Bank National Association is Safe Rate's top-ranked Jumbo lender in Washington, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Washington, Morgan Stanley Private Bank National Association and Citibank National Association scores highest on Jumbo pricing while Bank of America National Association and Us Bank National Association leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #6 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 (#12) and Boeing Employees Credit Union (#9).

Explore Rankings by Type

Overall Rankings

All lenders in Washington

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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	U.S. Bank National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$136Credit	0.111%Below	1,709
2	Bank of America, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$321Fees	0.283%Below	957
3	Morgan Stanley Private Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$422Fees	0.454%Below	274
4	Wells Fargo Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$1,397Fees	0.145%Below	1,126
5	Citibank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,372Credit	0.367%Below	236
6	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Sound*	Exceptional	Strong	Exceptional	$3,115Fees	0.001%Below	6,493
7	Global Federal Credit Union Credit UnionDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$981Fees	0.514%Below	479
8	HSBC BANK USA, NATIONAL ASSOCIATION BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$589Credit	0.191%Below	348
9	Boeing Employees Credit Union Credit UnionDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$762Fees	0.030%Below	2,369
10	FIRST TECHNOLOGY FEDERAL CREDIT UNION Credit UnionDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$519Credit	0.091%Below	355
11	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Exceptional	$795Fees	0.540%Below	788
12	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$4,078Fees	0.120%Above	5,275
13	BMO Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$28Credit	0.073%Above	206
14	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$3,624Fees	0.359%Above	3,891
15	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,049Fees	0.421%Above	3,427
16	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$3,083Fees	0.211%Above	813
17	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$3,758Fees	0.314%Above	3,718
18	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$1,620Fees	0.030%Below	1,657
19	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,351Fees	0.079%Below	1,187
20	WHATCOM EDUCATIONAL CREDIT UNION Credit UnionDirect	Strong	Strong	Strong	Strong	Strong	$1,482Fees	0.136%Above	207
21	KeyBank National Association BankDirect	Strong	Strong	Exceptional	Sound	Exceptional	$646Fees	0.071%Below	540
22	PNC Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Strong	$355Credit	0.007%Above	374
23	ONPOINT COMMUNITY CREDIT UNION Credit UnionDirect	Strong	Strong	Strong	Strong	Strong	$1,493Fees	0.103%Above	180
24	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,531Fees	0.328%Above	3,807
25	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Exceptional	$2,475Fees	0.063%Above	1,250
26	SAMMAMISH MORTGAGE COMPANY Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Exceptional	$876Fees	0.023%Above	677
27	HomeStreet Bank BankDirect	Strong	Sound	Strong	Strong	Exceptional	$3,019Fees	0.238%Above	568
28	OriginPoint, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Sound	Exceptional	$2,776Fees	0.270%Above	551
29	Umpqua Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,137Fees	0.219%Above	520
30	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,855Fees	0.371%Above	1,968
31	EVERGREEN MONEYSOURCE MORTGAGE COMPANY Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,165Fees	0.472%Above	1,921
32	CORNERSTONE CAPITAL BANK, SSB BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,975Fees	0.403%Above	1,016
33	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$5,912Fees	0.368%Above	463
34	Banner Bank BankDirect	Strong	Sound	Strong	Sound	Exceptional	$3,212Fees	0.187%Above	622
35	DIRECTORS MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	—	Strong	Strong	Strong	—	—	288
36	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	Strong	$4,010Fees	0.444%Above	243
37	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Sound	Exceptional	$5,328Fees	0.439%Above	1,783
38	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Exceptional	$2,593Fees	0.255%Above	1,521
39	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,888Fees	0.403%Above	1,164
40	NFM, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,400Fees	0.356%Above	718
41	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,170Fees	0.197%Above	547
42	Sunflower Bank, National Association BankDirect	Strong	Acceptable	Strong	Sound	Exceptional	$4,653Fees	0.244%Above	507
43	Peoples Bank BankDirect	Strong	Acceptable	Strong	Sound	Exceptional	$3,127Fees	0.178%Above	265
44	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Sound	Exceptional	$3,919Fees	0.154%Above	1,068
45	1st Security Bank of Washington BankDirect	Strong	Mediocre	Strong	Sound	Exceptional	$4,249Fees	0.190%Above	935
46	Washington Trust Bank BankDirect	Strong	Acceptable	Strong	Strong	Strong	$1,144Fees	0.180%Above	237
47	Yakima Federal Savings and Loan Association BankDirect & Wholesale	Strong	Strong*	Sound	Sound	Strong	$3,652Fees	0.311%Below	172
48	MASON MCDUFFIE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$3,642Fees	0.341%Above	180
49	Luminate Home Loans, Inc. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Strong	$4,886Fees	0.451%Above	399
50	GESA Credit UnionDirect	Sound	Acceptable	Strong	Strong	Exceptional	$4,510Fees	0.059%Below	378

❓ 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 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.