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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 Mortgage Lenders in Tacoma
Updated February 5, 2026
Market Overview
116
Total Lenders
10,319
Total Loans
0.17%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $754 | -0.532% | 134 | |
2 | Global Federal Credit Union | Exceptional | Strong | Exceptional | Strong | $2,215 | -0.012% | 63 | |
3 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $412 | -0.378% | 50 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,366 | -0.072% | 865 | |
5 | Boeing Employees Credit Union | Strong | Strong | Sound | Exceptional | $1,173 | +0.012% | 246 | |
6 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $249 | +0.022% | 109 | |
7 | KeyBank National Association | Strong | Strong | Strong | Strong | $2,075 | -0.037% | 69 | |
8 | SAMMAMISH MORTGAGE COMPANY | Strong | Strong | Strong | Strong | $1,761 | -0.034% | 57 | |
9 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $2,603 | -0.067% | 40 | |
10 | BAY EQUITY LLC | Strong | Sound | Strong | Exceptional | $4,170 | +0.208% | 282 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $1,169 | -0.256% | 212 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $2,656 | -0.067% | 205 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,101 | +0.069% | 60 | |
14 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | $4,542 | +0.111% | 47 | |
15 | Sound Credit Union | Strong | Strong | Sound | Strong | $1,426 | -0.163% | 46 | |
16 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,714 | -0.075% | 43 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,161 | +0.361% | 734 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,479 | +0.123% | 616 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $5,016 | +0.308% | 387 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $4,470 | +0.419% | 365 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,750 | +0.193% | 272 | |
22 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,257 | +0.071% | 139 | |
23 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $4,207 | +0.296% | 129 | |
24 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,634 | +0.181% | 90 | |
25 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $5,056 | +0.510% | 64 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,313 | +0.420% | 695 | |
27 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $3,527 | -0.126% | 211 | |
28 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,516 | +0.420% | 169 | |
29 | HomeStreet Bank | Strong | Acceptable | Strong | Exceptional | $4,272 | +0.226% | 131 | |
30 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | $6,194 | +0.244% | 114 | |
31 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $4,117 | +0.361% | 71 | |
32 | Banner Bank | Strong | Sound | Sound | Strong | $3,681 | +0.163% | 54 | |
33 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,126 | -0.235% | 47 | |
34 | NexBank | Strong | Sound | Strong | Sound | $2,911 | +0.140% | 42 | |
35 | NEWREZ LLC | Strong | Acceptable | Sound | Exceptional | $3,171 | +0.178% | 306 | |
36 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | $5,319 | +0.516% | 281 | |
37 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $5,293 | +0.309% | 178 | |
38 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $5,608 | +0.170% | 131 | |
39 | 1st Security Bank of Washington | Strong | Acceptable | Strong | Strong | $3,990 | +0.164% | 98 | |
40 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $4,052 | +0.421% | 94 | |
41 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Strong | $4,355 | +0.339% | 76 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,230 | +0.032% | 76 | |
43 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $3,182 | +0.228% | 69 | |
44 | Umpqua Bank | Strong | Acceptable | Strong | Strong | $2,872 | +0.182% | 40 | |
45 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,924 | +0.020% | 36 | |
46 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | $2,882 | +0.326% | 34 | |
47 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $6,537 | -0.038% | 31 | |
48 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Sound | $3,381 | +0.429% | 30 | |
49 | RESICENTRAL, LLC | Strong | Sound | Sound | Sound | $2,068 | +0.135% | 26 | |
50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $3,284 | +0.408% | 22 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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