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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 Jumbo 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 | Exceptional | Exceptional | Strong | Exceptional | -$884 | -0.200% | 779 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $987 | -0.271% | 675 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$40 | -0.326% | 595 | |
4 | HSBC BANK USA, NATIONAL ASSOCIATION | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$692 | -0.204% | 284 | |
5 | FIRST TECHNOLOGY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$779 | -0.125% | 261 | |
6 | Global Federal Credit Union | Exceptional | Exceptional | Exceptional | Strong | Strong | $315 | -0.749% | 231 | |
7 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | -$1,737 | -0.401% | 169 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $341 | -0.498% | 160 | |
9 | Boeing Employees Credit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $549 | -0.064% | 1,181 | |
10 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $827 | -0.674% | 124 | |
11 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,440 | +0.187% | 213 | |
12 | BMO Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$219 | +0.012% | 120 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,310 | +0.030% | 1,435 | |
14 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,152 | +0.321% | 1,385 | |
15 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,225 | +0.061% | 1,361 | |
16 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,020 | -0.158% | 882 | |
17 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,667 | +0.321% | 849 | |
18 | SAMMAMISH MORTGAGE COMPANY | Exceptional | Strong | Strong | Sound | Exceptional | $566 | +0.021% | 395 | |
19 | KeyBank National Association | Exceptional | Strong | Exceptional | Sound | Strong | -$1,093 | -0.108% | 242 | |
20 | Charles Schwab Bank, SSB | Exceptional | Sound | Exceptional | Exceptional | Strong | $763 | -0.246% | 88 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,364 | -0.002% | 383 | |
22 | OriginPoint, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,549 | +0.251% | 351 | |
23 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$668 | -0.005% | 306 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,702 | +0.375% | 1,094 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,320 | +0.336% | 723 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,910 | +0.312% | 558 | |
27 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,266 | +0.264% | 376 | |
28 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,494 | +0.135% | 360 | |
29 | HomeStreet Bank | Strong | Sound | Strong | Strong | Strong | $2,831 | +0.212% | 191 | |
30 | BETTER MORTGAGE CORPORATION | Strong | Strong | Strong | Acceptable | Strong | $328 | -0.079% | 64 | |
31 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,506 | +0.172% | 136 | |
32 | Umpqua Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,274 | +0.086% | 107 | |
33 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,105 | +0.326% | 370 | |
34 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,418 | +0.319% | 233 | |
35 | NexBank | Strong | Acceptable | Exceptional | Strong | Sound | $1,270 | +0.247% | 56 | |
36 | BAY EQUITY LLC | Strong | Acceptable | Strong | Sound | Strong | $3,394 | +0.105% | 345 | |
37 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,262 | +0.296% | 284 | |
38 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Strong | $5,290 | +0.439% | 252 | |
39 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,655 | +0.332% | 110 | |
40 | MEMBER FIRST MORTGAGE, LLC | Strong | Sound | Sound | Acceptable | Strong | $2,436 | -0.038% | 59 | |
41 | WASHINGTON STATE EMPLOYEES CREDIT UNION | Strong | Acceptable | Strong | Sound | Strong | $1,111 | +0.252% | 51 | |
42 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | Strong | $5,416 | +0.413% | 305 | |
43 | 1st Security Bank of Washington | Sound | Mediocre | Strong | Sound | Exceptional | $3,370 | +0.142% | 221 | |
44 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Sound | Strong | $3,625 | +0.482% | 77 | |
45 | WASHINGTON FEDERAL BANK | Sound | Mediocre | Exceptional | Sound | Strong | $4,981 | +0.594% | 75 | |
46 | ON Q FINANCIAL, LLC | Sound | Acceptable | Strong | Acceptable | Strong | $2,590 | +0.310% | 67 | |
47 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Sound | Acceptable | Strong | Sound | Sound | $4,899 | +0.440% | 60 |
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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