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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 Mortgage Lenders in Olympia
Updated February 5, 2026
Market Overview
60
Total Lenders
3,092
Total Loans
0.09%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $550 | -0.515% | 46 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,116 | -0.223% | 329 | |
3 | Boeing Employees Credit Union | Strong | Strong | Sound | Strong | $1,803 | -0.034% | 48 | |
4 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $5,276 | +0.173% | 351 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,563 | +0.122% | 241 | |
6 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,996 | +0.349% | 207 | |
7 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $4,801 | +0.256% | 95 | |
8 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,320 | -0.200% | 57 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,508 | -0.357% | 36 | |
10 | TWINSTAR | Strong | Strong | Acceptable | Strong | $1,082 | -0.238% | 32 | |
11 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Sound | $3,946 | -0.110% | 27 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $1,340 | +0.197% | 26 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,981 | +0.396% | 168 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,021 | +0.330% | 96 | |
15 | Olympia Federal Savings & Loan Association | Strong | Sound | Acceptable | Exceptional | $2,689 | -0.308% | 71 | |
16 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,596 | -0.012% | 69 | |
17 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $2,018 | +0.458% | 37 | |
18 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $3,065 | +0.229% | 35 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $3,449 | +0.274% | 29 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $2,714 | -0.173% | 22 | |
21 | NEWREZ LLC | Strong | Acceptable | Sound | Exceptional | $3,083 | -0.002% | 140 | |
22 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | $5,103 | +0.625% | 99 | |
23 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,896 | -0.222% | 21 | |
24 | WASHINGTON STATE EMPLOYEES CREDIT UNION | Sound | Acceptable | Acceptable | Exceptional | $1,953 | +0.358% | 71 | |
25 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $6,333 | +0.256% | 43 | |
26 | 1st Security Bank of Washington | Sound | Acceptable | Strong | Sound | $5,574 | +0.190% | 27 | |
27 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $4,892 | +0.392% | 23 | |
28 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $6,237 | +0.292% | 21 | |
29 | HomeStreet Bank | Sound | Acceptable | Strong | Sound | $3,613 | +0.297% | 20 | |
30 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $3,692 | +0.114% | 34 | |
31 | O Bee Credit Union | Sound | Acceptable | Acceptable | Strong | $4,779 | -0.126% | 22 | |
32 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Sound | $5,278 | +0.313% | 28 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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