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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 Mortgage Company Lenders in Washington
Updated February 6, 2026
Market Overview
49
Total Lenders
61,156
Total Loans
0.33%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | SAMMAMISH MORTGAGE COMPANY | Exceptional | Strong | Strong | Exceptional | $876 | +0.023% | 677 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,702 | -0.116% | 472 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,115 | -0.001% | 6,493 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,475 | +0.063% | 1,250 | |
5 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $2,351 | -0.079% | 1,187 | |
6 | BAY EQUITY LLC | Strong | Sound | Strong | Exceptional | $3,919 | +0.154% | 1,068 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,078 | +0.120% | 5,275 | |
8 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,624 | +0.359% | 3,891 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,531 | +0.328% | 3,807 | |
10 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,758 | +0.314% | 3,718 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,855 | +0.371% | 1,968 | |
12 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,083 | +0.211% | 813 | |
13 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,400 | +0.356% | 718 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,601 | +0.070% | 651 | |
15 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $1,989 | +0.460% | 282 | |
16 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | $1,687 | -0.093% | 210 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,049 | +0.421% | 3,427 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $3,714 | +0.205% | 997 | |
19 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $5,195 | +0.320% | 647 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $5,912 | +0.368% | 463 | |
21 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,964 | +0.056% | 291 | |
22 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,876 | +0.397% | 262 | |
23 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $4,010 | +0.444% | 243 | |
24 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | $6,184 | +0.315% | 217 | |
25 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $1,208 | +0.083% | 188 | |
26 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | $5,165 | +0.472% | 1,921 | |
27 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $5,328 | +0.439% | 1,783 | |
28 | NEWREZ LLC | Strong | Acceptable | Sound | Exceptional | $2,593 | +0.255% | 1,521 | |
29 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $3,888 | +0.403% | 1,164 | |
30 | OriginPoint, LLC | Strong | Acceptable | Sound | Exceptional | $2,776 | +0.270% | 551 | |
31 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $3,170 | +0.197% | 547 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,219 | +0.137% | 402 | |
33 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,041 | +0.183% | 335 | |
34 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | $3,075 | +0.315% | 324 | |
35 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,328 | +0.238% | 313 | |
36 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,609 | +0.374% | 300 | |
37 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | $5,118 | +0.343% | 247 | |
38 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,293 | +0.230% | 204 | |
39 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $4,146 | +0.127% | 173 | |
40 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Strong | $4,184 | +0.268% | 246 | |
41 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | $6,453 | +0.525% | 216 | |
42 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Acceptable | Sound | Strong | $3,642 | +0.341% | 180 | |
43 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | $4,886 | +0.451% | 399 | |
44 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Strong | Strong | $5,040 | +0.363% | 381 | |
45 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | $4,830 | +0.436% | 282 | |
46 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Sound | Mediocre | Strong | Strong | $4,161 | +0.495% | 199 | |
47 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Sound | Strong | $4,510 | +0.432% | 259 | |
48 | PRIORITY HOME LENDING, LLC | Sound | Mediocre | Sound | Strong | $4,237 | +0.530% | 194 |
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.
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