Safe Rate Rankings

Best Mortgage Lenders in Yakima

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders32

Total Loans1,687

Median Rate Spread0.30%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Yakima Federal Savings and Loan AssociationBank	Strong	Strong	Sound	Exceptional	$3,683Fees	0.347%Below	98
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$4,027Fees	0.033%Above	66
3	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$1,249Fees	0.307%Above	29
4	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$5,062Fees	0.502%Above	417
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,891Fees	0.299%Above	143
6	Banner BankBank	Strong	Sound	Sound	Strong	$3,010Fees	0.421%Above	32
7	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$3,158Fees	0.198%Above	28
8	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$6,145Fees	0.551%Above	200
9	Synergy One Lending, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$5,189Fees	0.431%Above	59
10	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,994Fees	0.488%Above	59
11	GESACredit Union	Strong	Acceptable	Strong	Strong	$4,016Fees	0.001%Above	40
12	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,342Fees	0.600%Above	35
13	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$6,063Fees	0.390%Above	24
14	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,971Fees	0.490%Above	113
15	Glacier BankBank	Sound	Acceptable	Sound	Strong	$3,842Fees	0.263%Above	45
16	HAPO COMMUNITY CREDIT UNIONCredit Union	Sound	Acceptable	Sound	Strong	$4,699Fees	0.071%Above	26
17	1st Security Bank of WashingtonBank	Sound	Acceptable	Strong	Sound	$5,019Fees	0.416%Above	25
18	Solarity Credit UnionCredit Union	Sound	Acceptable	Acceptable	Strong	$2,233Fees	0.170%Above	37

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.