# Best VA Mortgage Lenders in Seattle

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

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

> **Canonical URL:** https://saferate.com/seattle/best-mortgage-lenders/va-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 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 1,435 | Independent Mortgage Company |
| 2 | NBKC BANK | 89 | 91 | 75 | 84 | Bank |
| 3 | MOVEMENT MORTGAGE, LLC | 88 | 45 | 81 | 1,385 | Independent Mortgage Company |
| 4 | CMG MORTGAGE, INC. | 88 | 54 | 81 | 849 | Independent Mortgage Company |
| 5 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 383 | Independent Mortgage Company |
| 6 | OriginPoint, LLC | 85 | 73 | 63 | 351 | Independent Mortgage Company |
| 7 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 213 | Independent Mortgage Company |
| 8 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 89 | Independent Mortgage Company |
| 9 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 124 | Credit Union |
| 10 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 1,361 | Independent Mortgage Company |
| 11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 33 | 83 | 558 | Independent Mortgage Company |
| 12 | SAMMAMISH MORTGAGE COMPANY | 79 | 78 | 55 | 395 | Independent Mortgage Company |
| 13 | NEWREZ LLC | 79 | 47 | 63 | 370 | Independent Mortgage Company |
| 14 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 360 | Independent Mortgage Company |
| 15 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 32 | 71 | 1,094 | Independent Mortgage Company |
| 16 | GUILD MORTGAGE COMPANY LLC | 75 | 22 | 77 | 723 | Independent Mortgage Company |
| 17 | NFM, INC. | 75 | 40 | 83 | 284 | Independent Mortgage Company |
| 18 | Paramount Residential Mortgage Group, Inc. | 73 | 40 | 71 | 49 | Independent Mortgage Company |
| 19 | BAY EQUITY LLC | 71 | 38 | 73 | 345 | Independent Mortgage Company |
| 20 | 1st Security Bank of Washington | 71 | 27 | 78 | 221 | Bank |
| 21 | Mortgage Research Center, LLC | 71 | 34 | 61 | 87 | Independent Mortgage Company |
| 22 | NATIONSTAR MORTGAGE LLC | 66 | 20 | 69 | 64 | Independent Mortgage Company |
| 23 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 63 | 10 | 80 | 252 | Independent Mortgage Company |
| 24 | AMERICAN PACIFIC MORTGAGE CORPORATION | 60 | 10 | 79 | 305 | Independent Mortgage Company |

## 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.