Safe Rate Rankings

Best Conventional Mortgage Lenders in Olympia

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 Lenders60

Total Loans3,092

Median Rate Spread0.09%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$550Fees	0.515%Below	46
2	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$2,036Fees	0.029%Above	11
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,037Fees	0.111%Below	14
4	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$3,421Fees	0.004%Above	14
5	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$302Fees	0.114%Below	14
6	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,135Fees	0.048%Above	13
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,116Fees	0.223%Below	329
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,563Fees	0.122%Above	241
9	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$4,801Fees	0.256%Above	95
10	Boeing Employees Credit UnionCredit Union	Strong	Strong	Strong	Sound	Strong	$1,803Fees	0.034%Below	48
11	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,340Fees	0.197%Above	26
12	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,276Fees	0.173%Above	351
13	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,996Fees	0.349%Above	207
14	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,981Fees	0.396%Above	168
15	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,508Fees	0.357%Below	36
16	TWINSTARCredit Union	Strong	Strong	Sound	Sound	Strong	$1,082Fees	0.238%Below	32
17	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$3,449Fees	0.274%Above	29
18	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,714Fees	0.173%Below	22
19	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$2,806Fees	0.084%Below	12
20	SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$2,549Fees	0.236%Below	11
21	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,083Fees	0.002%Below	140
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,021Fees	0.330%Above	96
23	Olympia Federal Savings & Loan AssociationBank	Strong	Sound	Sound	Sound	Exceptional	$2,689Fees	0.308%Below	71
24	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,596Fees	0.012%Below	69
25	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$3,320Fees	0.200%Below	57
26	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,018Fees	0.458%Above	37
27	MLD MORTGAGE INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$3,946Fees	0.110%Below	27
28	EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,103Fees	0.625%Above	99
29	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,065Fees	0.229%Above	35
30	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,892Fees	0.392%Above	23
31	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$6,237Fees	0.292%Above	21
32	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,498Fees	0.074%Above	17
33	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,653Fees	0.448%Above	14
34	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,701Fees	0.045%Below	12
35	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,676Fees	0.260%Above	12
36	WASHINGTON STATE EMPLOYEES CREDIT UNIONCredit Union	Strong	Acceptable	Sound	Sound	Exceptional	$1,953Fees	0.358%Above	71
37	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$6,333Fees	0.256%Above	43
38	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,692Fees	0.114%Above	34
39	1st Security Bank of WashingtonBank	Strong	Acceptable	Strong	Strong	Sound	$5,574Fees	0.190%Above	27
40	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$2,896Fees	0.222%Below	21
41	MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,824Fees	0.498%Above	14
42	Umpqua BankBank	Strong	Acceptable	Strong	Strong	Sound	$3,457Fees	0.211%Above	10
43	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$5,278Fees	0.313%Above	28
44	HomeStreet BankBank	Sound	Acceptable	Strong	Sound	Sound	$3,613Fees	0.297%Above	20
45	NFM, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,444Fees	0.268%Above	15
46	PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$6,015Fees	0.377%Above	13
47	OriginPoint, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,624Fees	0.182%Above	11
48	O Bee Credit UnionCredit Union	Sound	Acceptable	Acceptable	Sound	Strong	$4,779Fees	0.126%Below	22
49	Timberland BankBank	Sound	Acceptable	Acceptable	Acceptable	Sound	$1,695Fees	0.590%Above	12

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)

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.