# Best Conventional Mortgage Lenders in Olympia

**As of:** 2026-06-01

Compare the top Conventional mortgage lenders in Olympia. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/olympia/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 60
- **Total Loans:** 3,092
- **Median Rate Spread:** 0.09478947368421053%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 46 | Credit Union |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 329 | Independent Mortgage Company |
| 3 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 241 | Independent Mortgage Company |
| 4 | BAY EQUITY LLC | 79 | 46 | 65 | 95 | Independent Mortgage Company |
| 5 | U.S. Bank National Association | 79 | 75 | 69 | 14 | Bank |
| 6 | KeyBank National Association | 79 | 70 | 66 | 14 | Bank |
| 7 | Bank of America, National Association | 79 | 71 | 67 | 13 | Bank |
| 8 | PROVIDENT FUNDING ASSOCIATES, L.P. | 77 | 83 | 55 | 11 | Independent Mortgage Company |
| 9 | GUILD MORTGAGE COMPANY LLC | 75 | 25 | 77 | 351 | Independent Mortgage Company |
| 10 | MOVEMENT MORTGAGE, LLC | 75 | 34 | 77 | 207 | Independent Mortgage Company |
| 11 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 168 | Independent Mortgage Company |
| 12 | Boeing Employees Credit Union | 74 | 72 | 55 | 48 | Credit Union |
| 13 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 36 | Independent Mortgage Company |
| 14 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 29 | Bank |
| 15 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 26 | Bank |
| 16 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 22 | Independent Mortgage Company |
| 17 | NBKC BANK | 73 | 90 | 49 | 14 | Bank |
| 18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 96 | Independent Mortgage Company |
| 19 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 69 | Independent Mortgage Company |
| 20 | T2 FINANCIAL LLC | 71 | 26 | 77 | 37 | Independent Mortgage Company |
| 21 | NEWREZ LLC | 70 | 31 | 58 | 140 | Independent Mortgage Company |
| 22 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 57 | Independent Mortgage Company |
| 23 | TWINSTAR | 69 | 71 | 41 | 32 | Credit Union |
| 24 | MLD MORTGAGE INC. | 69 | 49 | 74 | 27 | Independent Mortgage Company |
| 25 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 12 | Independent Mortgage Company |
| 26 | SAMMAMISH MORTGAGE COMPANY | 69 | 79 | 58 | 11 | Independent Mortgage Company |
| 27 | Olympia Federal Savings & Loan Association | 68 | 56 | 49 | 71 | Bank |
| 28 | INSPIRE HOME LOANS INC. | 67 | 40 | 61 | 42 | Independent Mortgage Company |
| 29 | GUARANTEED RATE, INC. | 66 | 39 | 65 | 35 | Independent Mortgage Company |
| 30 | Paramount Residential Mortgage Group, Inc. | 66 | 24 | 60 | 23 | Independent Mortgage Company |
| 31 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 21 | Independent Mortgage Company |
| 32 | THE LOAN STORE, INC. | 66 | 39 | 71 | 17 | Independent Mortgage Company |
| 33 | LEADERONE FINANCIAL CORPORATION | 66 | 24 | 66 | 14 | Independent Mortgage Company |
| 34 | KIND LENDING, LLC | 66 | 31 | 66 | 12 | Independent Mortgage Company |
| 35 | FIRST COLONY MORTGAGE CORPORATION | 66 | 38 | 77 | 12 | Independent Mortgage Company |
| 36 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 63 | 11 | 77 | 99 | Independent Mortgage Company |
| 37 | 1st Security Bank of Washington | 63 | 23 | 71 | 27 | Bank |
| 38 | MASON MCDUFFIE MORTGAGE CORPORATION | 63 | 26 | 70 | 14 | Independent Mortgage Company |
| 39 | Umpqua Bank | 63 | 31 | 64 | 10 | Bank |
| 40 | WASHINGTON STATE EMPLOYEES CREDIT UNION | 62 | 31 | 48 | 71 | Credit Union |
| 41 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 34 | Independent Mortgage Company |
| 42 | AMERICAN PACIFIC MORTGAGE CORPORATION | 60 | 15 | 75 | 43 | Independent Mortgage Company |
| 43 | USAA Federal Savings Bank | 58 | 53 | 27 | 21 | Bank |
| 44 | HomeStreet Bank | 58 | 30 | 57 | 20 | Bank |
| 45 | OriginPoint, LLC | 58 | 29 | 45 | 11 | Independent Mortgage Company |
| 46 | Luminate Home Loans, Inc. | 56 | 14 | 66 | 28 | Independent Mortgage Company |
| 47 | NFM, INC. | 56 | 19 | 77 | 15 | Independent Mortgage Company |
| 48 | PREMIER MORTGAGE RESOURCES, L.L.C. | 56 | 17 | 73 | 13 | Independent Mortgage Company |
| 49 | O Bee Credit Union | 53 | 20 | 44 | 22 | Credit Union |
| 50 | Timberland Bank | 44 | 40 | 32 | 12 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Olympia.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.