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