# Best Jumbo Mortgage Lenders in Seattle

**As of:** 2026-05-19

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

> **Canonical URL:** https://saferate.com/seattle/best-mortgage-lenders/jumbo-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:** 154
- **Total Loans:** 22,150
- **Median Rate Spread:** 0.17944000000000002%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | U.S. Bank National Association | 95 | 88 | 76 | 779 | Bank |
| 2 | Wells Fargo Bank, National Association | 95 | 87 | 63 | 675 | Bank |
| 3 | Bank of America, National Association | 95 | 90 | 80 | 595 | Bank |
| 4 | HSBC BANK USA, NATIONAL ASSOCIATION | 95 | 84 | 74 | 284 | Bank |
| 5 | FIRST TECHNOLOGY FEDERAL CREDIT UNION | 95 | 82 | 76 | 261 | Credit Union |
| 6 | Boeing Employees Credit Union | 89 | 71 | 62 | 1,181 | Credit Union |
| 7 | Global Federal Credit Union | 89 | 91 | 75 | 231 | Credit Union |
| 8 | Citibank, National Association | 89 | 95 | 69 | 169 | Bank |
| 9 | Morgan Stanley Private Bank, National Association | 89 | 96 | 75 | 160 | Bank |
| 10 | GUARANTEED RATE, INC. | 85 | 64 | 62 | 213 | Independent Mortgage Company |
| 11 | BMO Bank National Association | 85 | 79 | 64 | 120 | Bank |
| 12 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 1,435 | Independent Mortgage Company |
| 13 | MOVEMENT MORTGAGE, LLC | 83 | 41 | 68 | 1,385 | Independent Mortgage Company |
| 14 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 1,361 | Independent Mortgage Company |
| 15 | JPMorgan Chase Bank, National Association | 83 | 49 | 64 | 882 | Bank |
| 16 | CMG MORTGAGE, INC. | 83 | 40 | 66 | 849 | Independent Mortgage Company |
| 17 | NAVY FEDERAL CREDIT UNION | 83 | 95 | 51 | 124 | Credit Union |
| 18 | Charles Schwab Bank, SSB | 83 | 55 | 87 | 88 | Bank |
| 19 | SAMMAMISH MORTGAGE COMPANY | 79 | 78 | 52 | 395 | Independent Mortgage Company |
| 20 | PENNYMAC LOAN SERVICES, LLC | 79 | 55 | 66 | 383 | Independent Mortgage Company |
| 21 | PNC Bank, National Association | 79 | 53 | 68 | 306 | Bank |
| 22 | KeyBank National Association | 79 | 70 | 59 | 242 | Bank |
| 23 | OriginPoint, LLC | 77 | 53 | 58 | 351 | Independent Mortgage Company |
| 24 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 40 | 70 | 1,094 | Independent Mortgage Company |
| 25 | GUILD MORTGAGE COMPANY LLC | 75 | 32 | 66 | 723 | Independent Mortgage Company |
| 26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 30 | 63 | 558 | Independent Mortgage Company |
| 27 | CORNERSTONE CAPITAL BANK, SSB | 75 | 28 | 74 | 376 | Bank |
| 28 | HomeStreet Bank | 74 | 48 | 74 | 191 | Bank |
| 29 | LOANDEPOT.COM, LLC | 73 | 52 | 59 | 360 | Independent Mortgage Company |
| 30 | THE LOAN STORE, INC. | 71 | 25 | 61 | 136 | Independent Mortgage Company |
| 31 | Umpqua Bank | 71 | 38 | 72 | 107 | Bank |
| 32 | BETTER MORTGAGE CORPORATION | 67 | 71 | 34 | 64 | Independent Mortgage Company |
| 33 | NEWREZ LLC | 66 | 23 | 55 | 370 | Independent Mortgage Company |
| 34 | NEW AMERICAN FUNDING, LLC | 66 | 36 | 48 | 233 | Independent Mortgage Company |
| 35 | NexBank | 66 | 28 | 69 | 56 | Bank |
| 36 | BAY EQUITY LLC | 63 | 26 | 49 | 345 | Independent Mortgage Company |
| 37 | SCENIC OAKS FUNDING, LLC | 63 | 22 | 59 | 110 | Independent Mortgage Company |
| 38 | WASHINGTON STATE EMPLOYEES CREDIT UNION | 63 | 37 | 45 | 51 | Credit Union |
| 39 | NFM, INC. | 60 | 20 | 69 | 284 | Independent Mortgage Company |
| 40 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 60 | 13 | 79 | 252 | Independent Mortgage Company |
| 41 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 58 | 29 | 55 | 60 | Independent Mortgage Company |
| 42 | MEMBER FIRST MORTGAGE, LLC | 58 | 58 | 20 | 59 | Independent Mortgage Company |
| 43 | DIRECTORS MORTGAGE, INC. | 57 | N/A | 63 | 76 | Independent Mortgage Company |
| 44 | ON Q FINANCIAL, LLC | 57 | 32 | 38 | 67 | Independent Mortgage Company |
| 45 | AMERICAN PACIFIC MORTGAGE CORPORATION | 56 | 18 | 59 | 305 | Independent Mortgage Company |
| 46 | 1st Security Bank of Washington | 56 | 14 | 57 | 221 | Bank |
| 47 | Luminate Home Loans, Inc. | 56 | 17 | 56 | 77 | Independent Mortgage Company |
| 48 | WASHINGTON FEDERAL BANK | 56 | 6 | 44 | 75 | 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 Seattle.

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.