Safe Rate Rankings

Best All Lender Mortgage Lenders in Mount Vernon

Updated June 1, 2026

⚖️ 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 Lenders30

Total Loans934

Median Rate Spread0.24%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,541Fees	0.007%Below	77
2	Boeing Employees Credit UnionCredit Union	Strong	Strong	Sound	Exceptional	$1,192Fees	0.075%Below	42
3	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,106Fees	0.361%Above	88
4	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,446Fees	0.236%Above	83
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,862Fees	0.092%Above	75
6	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,185Fees	0.343%Above	62
7	Banner BankBank	Strong	Sound	Sound	Exceptional	$2,341Fees	0.350%Above	34
8	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$4,360Fees	0.260%Above	20
9	EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$5,457Fees	0.344%Above	63
10	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,298Fees	0.500%Above	41
11	Peoples BankBank	Sound	Acceptable	Acceptable	Exceptional	$3,087Fees	0.343%Above	49
12	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$5,230Fees	0.529%Above	31
13	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$4,111Fees	0.367%Above	27
14	CORNERSTONE CAPITAL BANK, SSBBank	Sound	Acceptable	Strong	Sound	$4,019Fees	0.284%Above	20

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

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.