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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 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,115 | -0.001% | 6,493 | |
2 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,975 | +0.403% | 1,016 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $795 | -0.540% | 788 | |
4 | KeyBank National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $646 | -0.071% | 540 | |
5 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $625 | -0.281% | 331 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$136 | -0.111% | 1,709 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,351 | -0.079% | 1,187 | |
8 | Global Federal Credit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $981 | -0.514% | 479 | |
9 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,624 | +0.359% | 3,891 | |
10 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,758 | +0.314% | 3,718 | |
11 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,620 | -0.030% | 1,657 | |
12 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,083 | +0.211% | 813 | |
13 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,601 | +0.070% | 651 | |
14 | OriginPoint, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $2,776 | +0.270% | 551 | |
15 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,328 | +0.238% | 313 | |
16 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,989 | +0.460% | 282 | |
17 | Boeing Employees Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $762 | -0.030% | 2,369 | |
18 | NEWREZ LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,593 | +0.255% | 1,521 | |
19 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,475 | +0.063% | 1,250 | |
20 | SAMMAMISH MORTGAGE COMPANY | Exceptional | Strong | Strong | Sound | Exceptional | $876 | +0.023% | 677 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $5,912 | +0.368% | 463 | |
22 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $2,260 | -0.178% | 287 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,078 | +0.120% | 5,275 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,855 | +0.371% | 1,968 | |
25 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Exceptional | $1,397 | -0.145% | 1,126 | |
26 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,400 | +0.356% | 718 | |
27 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,170 | +0.197% | 547 | |
28 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,609 | +0.374% | 300 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,964 | +0.056% | 291 | |
30 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,711 | +0.203% | 282 | |
31 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,531 | +0.328% | 3,807 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,049 | +0.421% | 3,427 | |
33 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,919 | +0.154% | 1,068 | |
34 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,714 | +0.205% | 997 | |
35 | Banner Bank | Strong | Sound | Strong | Sound | Exceptional | $3,212 | +0.187% | 622 | |
36 | Glacier Bank | Strong | Sound | Strong | Strong | Strong | $4,275 | +0.230% | 360 | |
37 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,876 | +0.397% | 262 | |
38 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,165 | +0.472% | 1,921 | |
39 | 1st Security Bank of Washington | Strong | Acceptable | Strong | Strong | Exceptional | $4,249 | +0.190% | 935 | |
40 | HomeStreet Bank | Strong | Acceptable | Strong | Strong | Exceptional | $3,019 | +0.238% | 568 | |
41 | Umpqua Bank | Strong | Acceptable | Strong | Strong | Exceptional | $3,137 | +0.219% | 520 | |
42 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | Exceptional | $4,653 | +0.244% | 507 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,219 | +0.137% | 402 | |
44 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,041 | +0.183% | 335 | |
45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,010 | +0.444% | 243 | |
46 | WHATCOM EDUCATIONAL CREDIT UNION | Strong | Sound | — | Strong | Strong | $1,482 | +0.136% | 207 | |
47 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $4,161 | +0.495% | 199 | |
48 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,146 | +0.127% | 173 | |
49 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $5,118 | +0.343% | 247 | |
50 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,293 | +0.230% | 204 |
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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