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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Mount Vernon
Updated February 6, 2026
Market Overview
30
Total Lenders
934
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $833 | -0.594% | 15 | |
2 | Boeing Employees Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,192 | -0.075% | 42 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,021 | +0.183% | 15 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,541 | -0.007% | 77 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,862 | +0.092% | 75 | |
6 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,235 | -0.197% | 16 | |
7 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,106 | +0.361% | 88 | |
8 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,446 | +0.236% | 83 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,185 | +0.343% | 62 | |
10 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $4,360 | +0.260% | 20 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,415 | +0.174% | 14 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,462 | +0.224% | 13 | |
13 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,917 | -0.003% | 13 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,298 | +0.500% | 41 | |
15 | WHATCOM EDUCATIONAL CREDIT UNION | Strong | Sound | Strong | Strong | Sound | $1,561 | +0.256% | 14 | |
16 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,457 | +0.344% | 63 | |
17 | Peoples Bank | Strong | Acceptable | Strong | Sound | Exceptional | $3,087 | +0.343% | 49 | |
18 | Banner Bank | Strong | Acceptable | Strong | Sound | Exceptional | $2,341 | +0.350% | 34 | |
19 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,111 | +0.367% | 27 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,232 | +0.467% | 18 | |
21 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $7,947 | +0.811% | 10 | |
22 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,230 | +0.529% | 31 | |
23 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $640 | +0.426% | 14 | |
24 | CORNERSTONE CAPITAL BANK, SSB | Sound | Mediocre | Exceptional | Strong | Sound | $4,019 | +0.284% | 20 | |
25 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,510 | +0.388% | 14 | |
26 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Strong | Sound | Sound | $2,806 | +0.024% | 13 | |
27 | WASHINGTON FEDERAL BANK | Sound | Mediocre | Strong | Acceptable | Sound | $5,488 | +0.409% | 16 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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