Safe Rate Rankings

Best All Lender Mortgage Lenders in Tacoma

Updated May 26, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders116

Total Loans10,319

Median Rate Spread0.17%

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

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.