🛡️
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 Company Lenders in Washington
Updated February 6, 2026
Market Overview
49
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,702 | -0.116% | 472 | |
2 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,475 | +0.063% | 1,250 | |
3 | BAY EQUITY LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,919 | +0.154% | 1,068 | |
4 | SAMMAMISH MORTGAGE COMPANY | Exceptional | Strong | Strong | Sound | Exceptional | $876 | +0.023% | 677 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,115 | -0.001% | 6,493 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,078 | +0.120% | 5,275 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,351 | -0.079% | 1,187 | |
8 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,964 | +0.056% | 291 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,624 | +0.359% | 3,891 | |
10 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,531 | +0.328% | 3,807 | |
11 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,758 | +0.314% | 3,718 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,049 | +0.421% | 3,427 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,855 | +0.371% | 1,968 | |
14 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | Strong | $1,687 | -0.093% | 210 | |
15 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,593 | +0.255% | 1,521 | |
16 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,888 | +0.403% | 1,164 | |
17 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,083 | +0.211% | 813 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,601 | +0.070% | 651 | |
19 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $5,195 | +0.320% | 647 | |
20 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,170 | +0.197% | 547 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $5,912 | +0.368% | 463 | |
22 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,219 | +0.137% | 402 | |
23 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,328 | +0.238% | 313 | |
24 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,609 | +0.374% | 300 | |
25 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,876 | +0.397% | 262 | |
26 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,010 | +0.444% | 243 | |
27 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $6,184 | +0.315% | 217 | |
28 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $4,161 | +0.495% | 199 | |
29 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | $1,208 | +0.083% | 188 | |
30 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,146 | +0.127% | 173 | |
31 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,165 | +0.472% | 1,921 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,328 | +0.439% | 1,783 | |
33 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $3,714 | +0.205% | 997 | |
34 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,400 | +0.356% | 718 | |
35 | OriginPoint, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,776 | +0.270% | 551 | |
36 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,041 | +0.183% | 335 | |
37 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,075 | +0.315% | 324 | |
38 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $1,989 | +0.460% | 282 | |
39 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $5,118 | +0.343% | 247 | |
40 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,642 | +0.341% | 180 | |
41 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $4,886 | +0.451% | 399 | |
42 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $5,040 | +0.363% | 381 | |
43 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,830 | +0.436% | 282 | |
44 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Strong | Sound | Strong | $4,184 | +0.268% | 246 | |
45 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $6,453 | +0.525% | 216 | |
46 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,293 | +0.230% | 204 | |
47 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Sound | Strong | $4,510 | +0.432% | 259 | |
48 | PRIORITY HOME LENDING, LLC | Sound | Mediocre | Sound | 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 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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
WashingtonConventional
No credit impact
3-minute process
100% free