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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 Seattle
Updated February 5, 2026
Market Overview
154
Total Lenders
22,150
Total Loans
0.18%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $341 | -0.498% | 160 | |
2 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | -$884 | -0.200% | 779 | |
3 | Bank of America, National Association | Exceptional | Strong | Strong | Exceptional | -$40 | -0.326% | 595 | |
4 | SAMMAMISH MORTGAGE COMPANY | Exceptional | Strong | Strong | Exceptional | $566 | +0.021% | 395 | |
5 | HSBC BANK USA, NATIONAL ASSOCIATION | Exceptional | Strong | Strong | Exceptional | -$692 | -0.204% | 284 | |
6 | FIRST TECHNOLOGY FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Exceptional | -$779 | -0.125% | 261 | |
7 | Global Federal Credit Union | Exceptional | Strong | Exceptional | Strong | $315 | -0.749% | 231 | |
8 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | -$1,737 | -0.401% | 169 | |
9 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,096 | -0.170% | 164 | |
10 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $827 | -0.674% | 124 | |
11 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | -$101 | -0.226% | 84 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,310 | +0.030% | 1,435 | |
13 | Boeing Employees Credit Union | Strong | Strong | Sound | Exceptional | $549 | -0.064% | 1,181 | |
14 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $987 | -0.271% | 675 | |
15 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$668 | -0.005% | 306 | |
16 | KeyBank National Association | Strong | Strong | Strong | Strong | -$1,093 | -0.108% | 242 | |
17 | BETTER MORTGAGE CORPORATION | Strong | Exceptional | Acceptable | Strong | $328 | -0.079% | 64 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,020 | -0.158% | 882 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,152 | +0.321% | 1,385 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,225 | +0.061% | 1,361 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,667 | +0.321% | 849 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,320 | +0.336% | 723 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,910 | +0.312% | 558 | |
24 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,364 | -0.002% | 383 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,494 | +0.135% | 360 | |
26 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,394 | +0.105% | 345 | |
27 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,440 | +0.187% | 213 | |
28 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | $1,859 | -0.080% | 155 | |
29 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,667 | -0.025% | 89 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,702 | +0.375% | 1,094 | |
31 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Exceptional | $3,266 | +0.264% | 376 | |
32 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,262 | +0.296% | 284 | |
33 | 1st Security Bank of Washington | Strong | Acceptable | Strong | Exceptional | $3,370 | +0.142% | 221 | |
34 | BMO Bank National Association | Strong | Sound | Sound | Strong | -$219 | +0.012% | 120 | |
35 | Banner Bank | Strong | Sound | Sound | Strong | $3,519 | +0.238% | 59 | |
36 | NexBank | Strong | Sound | Strong | Sound | $1,270 | +0.247% | 56 | |
37 | OriginPoint, LLC | Strong | Acceptable | Sound | Exceptional | $2,549 | +0.251% | 351 | |
38 | HomeStreet Bank | Strong | Acceptable | Strong | Strong | $2,831 | +0.212% | 191 | |
39 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,506 | +0.172% | 136 | |
40 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | $2,655 | +0.332% | 110 | |
41 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,246 | +0.212% | 108 | |
42 | Umpqua Bank | Strong | Acceptable | Strong | Strong | $2,274 | +0.086% | 107 | |
43 | Charles Schwab Bank, SSB | Strong | Acceptable | Strong | Strong | $763 | -0.246% | 88 | |
44 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $8,544 | -0.479% | 87 | |
45 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,099 | -0.018% | 69 | |
46 | RESICENTRAL, LLC | Strong | Sound | Sound | Sound | $1,274 | +0.102% | 51 | |
47 | NMSI, INC. | Strong | Acceptable | Exceptional | Sound | $1,479 | +0.110% | 49 | |
48 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $4,006 | +0.194% | 48 | |
49 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,105 | +0.326% | 370 | |
50 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,418 | +0.319% | 233 |
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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