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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 Olympia

Updated February 5, 2026

Market Overview

Total Lenders

3,092

Total Loans

0.09%

Median Rate Spread

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

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