Safe Rate Rankings

Best Conventional Mortgage Lenders in Seattle

Updated May 19, 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 Lenders154

Total Loans22,150

Median Rate Spread0.18%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$884Credit	0.200%Below	779
2	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$40Credit	0.326%Below	595
3	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,737Credit	0.401%Below	169
4	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,096Fees	0.170%Below	164
5	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$827Fees	0.674%Below	124
6	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$987Fees	0.271%Below	675
7	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$668Credit	0.005%Below	306
8	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,093Credit	0.108%Below	242
9	Global Federal Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Strong	$315Fees	0.749%Below	231
10	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Strong	$341Fees	0.498%Below	160
11	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Strong	$101Credit	0.226%Below	84
12	Boeing Employees Credit UnionCredit Union	Exceptional	Strong	Strong	Sound	Exceptional	$549Fees	0.064%Below	1,181
13	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,020Fees	0.158%Below	882
14	SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company	Exceptional	Strong	Strong	Sound	Exceptional	$566Fees	0.021%Above	395
15	HSBC BANK USA, NATIONAL ASSOCIATIONBank	Exceptional	Strong	Strong	Sound	Exceptional	$692Credit	0.204%Below	284
16	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,310Fees	0.030%Above	1,435
17	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,225Fees	0.061%Above	1,361
18	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,494Fees	0.135%Above	360
19	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,394Fees	0.105%Above	345
20	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Strong	$219Credit	0.012%Above	120
21	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,152Fees	0.321%Above	1,385
22	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,702Fees	0.375%Above	1,094
23	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,667Fees	0.321%Above	849
24	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,320Fees	0.336%Above	723
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,910Fees	0.312%Above	558
26	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,364Fees	0.002%Below	383
27	FIRST TECHNOLOGY FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Strong	Sound	Exceptional	$779Credit	0.125%Below	261
28	General Mortgage Capital CorporationIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$1,859Fees	0.080%Below	155
29	Charles Schwab Bank, SSBBank	Strong	Sound	Strong	Strong	Strong	$763Fees	0.246%Below	88
30	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,099Fees	0.018%Below	69
31	1st Security Bank of WashingtonBank	Strong	Acceptable	Strong	Strong	Exceptional	$3,370Fees	0.142%Above	221
32	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,440Fees	0.187%Above	213
33	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,506Fees	0.172%Above	136
34	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,246Fees	0.212%Above	108
35	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,667Fees	0.025%Below	89
36	MEMBER FIRST MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,436Fees	0.038%Below	59
37	NexBankBank	Strong	Sound	Strong	Strong	Sound	$1,270Fees	0.247%Above	56
38	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,266Fees	0.264%Above	376
39	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,105Fees	0.326%Above	370
40	OriginPoint, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$2,549Fees	0.251%Above	351
41	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,418Fees	0.319%Above	233
42	SCENIC OAKS FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,655Fees	0.332%Above	110
43	Umpqua BankBank	Strong	Acceptable	Strong	Strong	Strong	$2,274Fees	0.086%Above	107
44	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,923Fees	0.083%Above	64
45	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,473Fees	0.099%Above	62
46	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,899Fees	0.440%Above	60
47	RESICENTRAL, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$1,274Fees	0.102%Above	51
48	NMSI, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Sound	$1,479Fees	0.110%Above	49
49	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,957Fees	0.256%Above	49
50	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,006Fees	0.194%Above	48

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.