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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $754 | -0.532% | 134 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $249 | +0.022% | 109 | |
3 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $2,075 | -0.037% | 69 | |
4 | Global Federal Credit Union | Exceptional | Strong | Exceptional | Strong | Strong | $2,215 | -0.012% | 63 | |
5 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $412 | -0.378% | 50 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $2,603 | -0.067% | 40 | |
7 | BAY EQUITY LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,170 | +0.208% | 282 | |
8 | Boeing Employees Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,173 | +0.012% | 246 | |
9 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,169 | -0.256% | 212 | |
10 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,101 | +0.069% | 60 | |
11 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,714 | -0.075% | 43 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,366 | -0.072% | 865 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,479 | +0.123% | 616 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,656 | -0.067% | 205 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,634 | +0.181% | 90 | |
16 | SAMMAMISH MORTGAGE COMPANY | Strong | Strong | Strong | Sound | Strong | $1,761 | -0.034% | 57 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161 | +0.361% | 734 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,313 | +0.420% | 695 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,016 | +0.308% | 387 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,470 | +0.419% | 365 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,750 | +0.193% | 272 | |
22 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Strong | $4,542 | +0.111% | 47 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,924 | +0.020% | 36 | |
24 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,688 | +0.059% | 22 | |
25 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,171 | +0.178% | 306 | |
26 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,257 | +0.071% | 139 | |
27 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,207 | +0.296% | 129 | |
28 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $6,194 | +0.244% | 114 | |
29 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,052 | +0.421% | 94 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,230 | +0.032% | 76 | |
31 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,117 | +0.361% | 71 | |
32 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,182 | +0.228% | 69 | |
33 | NexBank | Strong | Sound | Strong | Strong | Sound | $2,911 | +0.140% | 42 | |
34 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,319 | +0.516% | 281 | |
35 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $3,527 | -0.126% | 211 | |
36 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,846 | +0.507% | 169 | |
37 | HomeStreet Bank | Strong | Acceptable | Strong | Sound | Exceptional | $4,272 | +0.226% | 131 | |
38 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $5,608 | +0.170% | 131 | |
39 | 1st Security Bank of Washington | Strong | Acceptable | Strong | Strong | Strong | $3,990 | +0.164% | 98 | |
40 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $4,324 | +0.408% | 68 | |
41 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $5,056 | +0.510% | 64 | |
42 | Umpqua Bank | Strong | Acceptable | Strong | Strong | Strong | $2,872 | +0.182% | 40 | |
43 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,882 | +0.326% | 34 | |
44 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,362 | +0.346% | 34 | |
45 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $6,537 | -0.038% | 31 | |
46 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Sound | $2,068 | +0.135% | 26 | |
47 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,246 | -0.033% | 24 | |
48 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,697 | +0.455% | 23 | |
49 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,201 | +0.294% | 22 | |
50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | 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 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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