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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 Washington
Updated February 6, 2026
Market Overview
283
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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $795 | -0.540% | 788 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$136 | -0.111% | 1,709 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $321 | -0.283% | 957 | |
4 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $646 | -0.071% | 540 | |
5 | Global Federal Credit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $981 | -0.514% | 479 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,702 | -0.116% | 472 | |
7 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | -$1,372 | -0.367% | 236 | |
8 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,397 | -0.145% | 1,126 | |
9 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$355 | +0.007% | 374 | |
10 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $625 | -0.281% | 331 | |
11 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $422 | -0.454% | 274 | |
12 | Boeing Employees Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $762 | -0.030% | 2,369 | |
13 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,620 | -0.030% | 1,657 | |
14 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,475 | +0.063% | 1,250 | |
15 | BAY EQUITY LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,919 | +0.154% | 1,068 | |
16 | SAMMAMISH MORTGAGE COMPANY | Exceptional | Strong | Strong | Sound | Exceptional | $876 | +0.023% | 677 | |
17 | ONPOINT COMMUNITY CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $1,493 | +0.103% | 180 | |
18 | Yakima Federal Savings and Loan Association | Exceptional | Strong | Strong | Strong | Strong | $3,652 | -0.311% | 172 | |
19 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,115 | -0.001% | 6,493 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,078 | +0.120% | 5,275 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,351 | -0.079% | 1,187 | |
22 | HSBC BANK USA, NATIONAL ASSOCIATION | Strong | Strong | Strong | Sound | Strong | -$589 | -0.191% | 348 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,964 | +0.056% | 291 | |
24 | BMO Bank National Association | Strong | Strong | Strong | Sound | Strong | -$28 | +0.073% | 206 | |
25 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,624 | +0.359% | 3,891 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,531 | +0.328% | 3,807 | |
27 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,758 | +0.314% | 3,718 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,049 | +0.421% | 3,427 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,855 | +0.371% | 1,968 | |
30 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | Strong | $1,687 | -0.093% | 210 | |
31 | WHATCOM EDUCATIONAL CREDIT UNION | Strong | Sound | Strong | Strong | Strong | $1,482 | +0.136% | 207 | |
32 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,593 | +0.255% | 1,521 | |
33 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,888 | +0.403% | 1,164 | |
34 | 1st Security Bank of Washington | Strong | Acceptable | Strong | Strong | Exceptional | $4,249 | +0.190% | 935 | |
35 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,083 | +0.211% | 813 | |
36 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,170 | +0.197% | 547 | |
37 | Umpqua Bank | Strong | Acceptable | Strong | Strong | Exceptional | $3,137 | +0.219% | 520 | |
38 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | Exceptional | $4,653 | +0.244% | 507 | |
39 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $5,912 | +0.368% | 463 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,219 | +0.137% | 402 | |
41 | GESA | Strong | Acceptable | Strong | Strong | Exceptional | $4,510 | -0.059% | 378 | |
42 | SPOKANE TEACHERS | Strong | Acceptable | Strong | Strong | Exceptional | $3,461 | +0.349% | 339 | |
43 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,328 | +0.238% | 313 | |
44 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,609 | +0.374% | 300 | |
45 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,711 | +0.203% | 282 | |
46 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,876 | +0.397% | 262 | |
47 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,010 | +0.444% | 243 | |
48 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $6,184 | +0.315% | 217 | |
49 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $4,161 | +0.495% | 199 | |
50 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,146 | +0.127% | 173 |
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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