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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 Jumbo Mortgage Bank Lenders in Washington
Updated February 6, 2026
Market Overview
22
Total Lenders
84,205
Total Loans
0.23%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$136 | -0.111% | 1,709 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,397 | -0.145% | 1,126 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $321 | -0.283% | 957 | |
4 | HSBC BANK USA, NATIONAL ASSOCIATION | Exceptional | Exceptional | Exceptional | Strong | Strong | -$589 | -0.191% | 348 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $422 | -0.454% | 274 | |
6 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | -$1,372 | -0.367% | 236 | |
7 | KeyBank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $646 | -0.071% | 540 | |
8 | BMO Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$28 | +0.073% | 206 | |
9 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,620 | -0.030% | 1,657 | |
10 | HomeStreet Bank | Strong | Sound | Strong | Strong | Exceptional | $3,019 | +0.238% | 568 | |
11 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$355 | +0.007% | 374 | |
12 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,975 | +0.403% | 1,016 | |
13 | Banner Bank | Strong | Sound | Strong | Sound | Exceptional | $3,212 | +0.187% | 622 | |
14 | Umpqua Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,137 | +0.219% | 520 | |
15 | Yakima Federal Savings and Loan Association | Strong | Strong | Sound | Sound | Strong | $3,652 | -0.311% | 172 | |
16 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Sound | Exceptional | $4,653 | +0.244% | 507 | |
17 | Peoples Bank | Strong | Acceptable | Strong | Sound | Exceptional | $3,127 | +0.178% | 265 | |
18 | Washington Trust Bank | Strong | Acceptable | Strong | Strong | Strong | $1,144 | +0.180% | 237 | |
19 | 1st Security Bank of Washington | Sound | Mediocre | Strong | Sound | Exceptional | $4,249 | +0.190% | 935 | |
20 | Glacier Bank | Sound | Mediocre | Exceptional | Sound | Strong | $4,275 | +0.230% | 360 | |
21 | WASHINGTON FEDERAL BANK | Sound | Mediocre | Exceptional | Sound | Strong | $5,024 | +0.458% | 284 | |
22 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $3,711 | +0.203% | 282 |
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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