Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Yakima Federal Savings and Loan AssociationBank	Exceptional	Strong	Strong	Strong	Exceptional	$3,683Fees	0.347%Below	98
2	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,249Fees	0.307%Above	29
3	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,894Fees	0.199%Above	16
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,891Fees	0.299%Above	143
5	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,062Fees	0.502%Above	417
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,027Fees	0.033%Above	66
7	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$3,158Fees	0.198%Above	28
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,862Fees	0.082%Below	12
9	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,994Fees	0.488%Above	59
10	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$12Fees	0.133%Below	13
11	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$6,145Fees	0.551%Above	200
12	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,971Fees	0.490%Above	113
13	Synergy One Lending, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$5,189Fees	0.431%Above	59
14	Glacier BankBank	Strong	Acceptable	Exceptional	Sound	Strong	$3,842Fees	0.263%Above	45
15	GESACredit Union	Strong	Acceptable	Strong	Strong	Strong	$4,016Fees	0.001%Above	40
16	Solarity Credit UnionCredit Union	Strong	Sound	Sound	Sound	Strong	$2,233Fees	0.170%Above	37
17	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,342Fees	0.600%Above	35
18	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$6,063Fees	0.390%Above	24
19	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$4,388Fees	0.388%Above	17
20	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,072Fees	0.130%Above	16
21	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,092Fees	0.441%Above	12
22	Banner BankBank	Strong	Acceptable	Strong	Sound	Strong	$3,010Fees	0.421%Above	32
23	1st Security Bank of WashingtonBank	Strong	Acceptable	Strong	Strong	Sound	$5,019Fees	0.416%Above	25
24	Umpqua BankBank	Strong	Acceptable	Strong	Strong	Sound	$3,527Fees	0.310%Above	17
25	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,060Fees	0.520%Above	15
26	HAPO COMMUNITY CREDIT UNIONCredit Union	Sound	Acceptable	Sound	Sound	Strong	$4,699Fees	0.071%Above	26
27	CORNERSTONE CAPITAL BANK, SSBBank	Sound	Mediocre	Exceptional	Strong	Sound	$6,427Fees	0.692%Above	14
28	WASHINGTON STATE EMPLOYEES CREDIT UNIONCredit Union	Sound	Acceptable	Sound	Sound	Sound	$1,571Fees	0.429%Above	15

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.