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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 Washington
Updated February 6, 2026
Market Overview
283
Total Lenders
84,205
Total Loans
0.23%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $795 | -0.540% | 788 | |
2 | Global Federal Credit Union | Exceptional | Strong | Exceptional | Exceptional | $981 | -0.514% | 479 | |
3 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $422 | -0.454% | 274 | |
4 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | -$136 | -0.111% | 1,709 | |
5 | Bank of America, National Association | Exceptional | Strong | Strong | Exceptional | $321 | -0.283% | 957 | |
6 | SAMMAMISH MORTGAGE COMPANY | Exceptional | Strong | Strong | Exceptional | $876 | +0.023% | 677 | |
7 | KeyBank National Association | Exceptional | Strong | Strong | Exceptional | $646 | -0.071% | 540 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,702 | -0.116% | 472 | |
9 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $625 | -0.281% | 331 | |
10 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | -$1,372 | -0.367% | 236 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,115 | -0.001% | 6,493 | |
12 | Boeing Employees Credit Union | Strong | Strong | Sound | Exceptional | $762 | -0.030% | 2,369 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,397 | -0.145% | 1,126 | |
14 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$355 | +0.007% | 374 | |
15 | FIRST TECHNOLOGY FEDERAL CREDIT UNION | Strong | Strong | Strong | Strong | -$519 | -0.091% | 355 | |
16 | HSBC BANK USA, NATIONAL ASSOCIATION | Strong | Strong | Strong | Strong | -$589 | -0.191% | 348 | |
17 | ONPOINT COMMUNITY CREDIT UNION | Strong | Strong | Strong | Strong | $1,493 | +0.103% | 180 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,620 | -0.030% | 1,657 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,475 | +0.063% | 1,250 | |
20 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $2,351 | -0.079% | 1,187 | |
21 | BAY EQUITY LLC | Strong | Sound | Strong | Exceptional | $3,919 | +0.154% | 1,068 | |
22 | Yakima Federal Savings and Loan Association | Strong | Strong | Sound | Strong | $3,652 | -0.311% | 172 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,078 | +0.120% | 5,275 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,624 | +0.359% | 3,891 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,531 | +0.328% | 3,807 | |
26 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,758 | +0.314% | 3,718 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,855 | +0.371% | 1,968 | |
28 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,083 | +0.211% | 813 | |
29 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,400 | +0.356% | 718 | |
30 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,601 | +0.070% | 651 | |
31 | Banner Bank | Strong | Sound | Sound | Exceptional | $3,212 | +0.187% | 622 | |
32 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $1,989 | +0.460% | 282 | |
33 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | $1,687 | -0.093% | 210 | |
34 | WHATCOM EDUCATIONAL CREDIT UNION | Strong | Sound | Strong | Strong | $1,482 | +0.136% | 207 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,049 | +0.421% | 3,427 | |
36 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Exceptional | $3,975 | +0.403% | 1,016 | |
37 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $3,714 | +0.205% | 997 | |
38 | 1st Security Bank of Washington | Strong | Acceptable | Strong | Exceptional | $4,249 | +0.190% | 935 | |
39 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $5,195 | +0.320% | 647 | |
40 | HomeStreet Bank | Strong | Acceptable | Strong | Exceptional | $3,019 | +0.238% | 568 | |
41 | Umpqua Bank | Strong | Acceptable | Strong | Exceptional | $3,137 | +0.219% | 520 | |
42 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Exceptional | $4,653 | +0.244% | 507 | |
43 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $5,912 | +0.368% | 463 | |
44 | GESA | Strong | Acceptable | Strong | Exceptional | $4,510 | -0.059% | 378 | |
45 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,964 | +0.056% | 291 | |
46 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,260 | -0.178% | 287 | |
47 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,876 | +0.397% | 262 | |
48 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $4,010 | +0.444% | 243 | |
49 | Washington Trust Bank | Strong | Sound | Sound | Strong | $1,144 | +0.180% | 237 | |
50 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | $6,184 | +0.315% | 217 |
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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