Safe Rate Rankings

Best Credit Union Mortgage Lenders in Washington

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.
Total Lenders9
Total Loans7,100
Median Rate Spread0.02%

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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
NAVY FEDERAL CREDIT UNIONCredit Union
Exceptional
Exceptional
Sound
Exceptional
$795Fees
0.540%Below
788
2
Global Federal Credit UnionCredit Union
Exceptional
Strong
Exceptional
Exceptional
$981Fees
0.514%Below
479
3
Boeing Employees Credit UnionCredit Union
Strong
Strong
Sound
Exceptional
$762Fees
0.030%Below
2,369
4
FIRST TECHNOLOGY FEDERAL CREDIT UNIONCredit Union
Strong
Strong
Strong
Strong
$519Credit
0.091%Below
355
5
ONPOINT COMMUNITY CREDIT UNIONCredit Union
Strong
Strong
Strong
Strong
$1,493Fees
0.103%Above
180
6
WHATCOM EDUCATIONAL CREDIT UNIONCredit Union
Strong
Sound
Strong
Strong
$1,482Fees
0.136%Above
207
7
GESACredit Union
Strong
Acceptable
Strong
Exceptional
$4,510Fees
0.059%Below
378
8
SPOKANE TEACHERSCredit Union
Strong
Acceptable
Sound
Exceptional
$3,461Fees
0.349%Above
339
9
WASHINGTON STATE EMPLOYEES CREDIT UNIONCredit Union
Sound
Acceptable
Acceptable
Exceptional
$1,697Fees
0.336%Above
287

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.