Safe Rate Rankings

Best Conventional Mortgage Lenders in Walla Walla

Updated February 6, 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 Lenders15

Total Loans382

Median Rate Spread0.19%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,225Fees	0.398%Above	53
2	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$5,183Fees	0.042%Above	44
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,728Fees	0.217%Above	32
4	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$3,110Fees	0.354%Above	13
5	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,060Fees	0.096%Above	27
6	PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,880Fees	0.423%Above	82
7	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,673Fees	0.462%Above	13
8	Banner BankBank	Strong	Acceptable	Strong	Sound	Strong	$3,869Fees	0.144%Above	22
9	GESACredit Union	Strong	Acceptable	Strong	Strong	Sound	$4,972Fees	0.080%Below	17
10	MORTGAGE EXPRESS, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$4,494Fees	0.016%Above	17
11	Baker-Boyer National BankBank	Strong	Sound	Acceptable	Sound	Strong	$1,846Fees	0.135%Above	15
12	Umpqua BankBank	Strong	Acceptable	Strong	Strong	Sound	$2,809Fees	0.322%Above	10
13	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,674Fees	0.467%Above	16

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.