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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 VA Mortgage Bank Lenders in Washington
Updated February 6, 2026
Market Overview
17
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 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,975 | +0.403% | 1,016 | |
2 | KeyBank National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $646 | -0.071% | 540 | |
3 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $625 | -0.281% | 331 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$136 | -0.111% | 1,709 | |
5 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,620 | -0.030% | 1,657 | |
6 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $2,260 | -0.178% | 287 | |
7 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Exceptional | $1,397 | -0.145% | 1,126 | |
8 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,711 | +0.203% | 282 | |
9 | Banner Bank | Strong | Sound | Strong | Sound | Exceptional | $3,212 | +0.187% | 622 | |
10 | Glacier Bank | Strong | Sound | Strong | Strong | Strong | $4,275 | +0.230% | 360 | |
11 | 1st Security Bank of Washington | Strong | Acceptable | Strong | Strong | Exceptional | $4,249 | +0.190% | 935 | |
12 | HomeStreet Bank | Strong | Acceptable | Strong | Strong | Exceptional | $3,019 | +0.238% | 568 | |
13 | Umpqua Bank | Strong | Acceptable | Strong | Strong | Exceptional | $3,137 | +0.219% | 520 | |
14 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | Exceptional | $4,653 | +0.244% | 507 | |
15 | Washington Trust Bank | Strong | Sound | Acceptable | Sound | Strong | $1,144 | +0.180% | 237 | |
16 | Peoples Bank | Sound | Acceptable | — | Acceptable | Exceptional | $3,127 | +0.178% | 265 | |
17 | The Federal Savings Bank | Sound | Mediocre | Exceptional | Sound | Strong | $4,181 | +0.730% | 176 |
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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