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