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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 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 | 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 | Global Federal Credit Union | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $981 | -0.514% | 479 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $795 | -0.540% | 788 | |
6 | FIRST TECHNOLOGY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Strong | Strong | -$519 | -0.091% | 355 | |
7 | HSBC BANK USA, NATIONAL ASSOCIATION | Exceptional | Exceptional | Exceptional | Strong | Strong | -$589 | -0.191% | 348 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $422 | -0.454% | 274 | |
9 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | -$1,372 | -0.367% | 236 | |
10 | Boeing Employees Credit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $762 | -0.030% | 2,369 | |
11 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,083 | +0.211% | 813 | |
12 | KeyBank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $646 | -0.071% | 540 | |
13 | BMO Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$28 | +0.073% | 206 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,115 | -0.001% | 6,493 | |
15 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,078 | +0.120% | 5,275 | |
16 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,624 | +0.359% | 3,891 | |
17 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,758 | +0.314% | 3,718 | |
18 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,620 | -0.030% | 1,657 | |
19 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,351 | -0.079% | 1,187 | |
20 | SAMMAMISH MORTGAGE COMPANY | Exceptional | Strong | Strong | Sound | Exceptional | $876 | +0.023% | 677 | |
21 | WHATCOM EDUCATIONAL CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $1,482 | +0.136% | 207 | |
22 | ONPOINT COMMUNITY CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $1,493 | +0.103% | 180 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,475 | +0.063% | 1,250 | |
24 | HomeStreet Bank | Strong | Sound | Strong | Strong | Exceptional | $3,019 | +0.238% | 568 | |
25 | OriginPoint, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,776 | +0.270% | 551 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Strong | Strong | $5,912 | +0.368% | 463 | |
27 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$355 | +0.007% | 374 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,531 | +0.328% | 3,807 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,049 | +0.421% | 3,427 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,855 | +0.371% | 1,968 | |
31 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,975 | +0.403% | 1,016 | |
32 | Banner Bank | Strong | Sound | Strong | Sound | Exceptional | $3,212 | +0.187% | 622 | |
33 | Umpqua Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,137 | +0.219% | 520 | |
34 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Sound | Strong | Strong | Strong | $4,010 | +0.444% | 243 | |
35 | Yakima Federal Savings and Loan Association | Strong | Strong | Sound | Sound | Strong | $3,652 | -0.311% | 172 | |
36 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,593 | +0.255% | 1,521 | |
37 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,888 | +0.403% | 1,164 | |
38 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,170 | +0.197% | 547 | |
39 | GESA | Strong | Acceptable | Strong | Strong | Exceptional | $4,510 | -0.059% | 378 | |
40 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Sound | Acceptable | Strong | $1,964 | +0.056% | 291 | |
41 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,165 | +0.472% | 1,921 | |
42 | BAY EQUITY LLC | Strong | Acceptable | Strong | Sound | Exceptional | $3,919 | +0.154% | 1,068 | |
43 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,400 | +0.356% | 718 | |
44 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Sound | Exceptional | $4,653 | +0.244% | 507 | |
45 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,328 | +0.238% | 313 | |
46 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Strong | $3,609 | +0.374% | 300 | |
47 | WASHINGTON STATE EMPLOYEES CREDIT UNION | Strong | Acceptable | Strong | Sound | Exceptional | $1,697 | +0.336% | 287 | |
48 | Peoples Bank | Strong | Acceptable | Strong | Sound | Exceptional | $3,127 | +0.178% | 265 | |
49 | Washington Trust Bank | Strong | Acceptable | Strong | Strong | Strong | $1,144 | +0.180% | 237 | |
50 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,075 | +0.315% | 324 |
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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