BEST OF
10 Best Seattle Mortgage Lenders of 2021
Looking for a Seattle mortgage lender? We researched Seattle's best mortgage companies so you can compare loan options, mortgage rates and more.
Seattle is one of America’s fastest-growing cities, and it’s easy to see why. Residents can enjoy views of Mt. Rainier, plenty of coffee shops and ample job opportunities. Want to join them and become an Emerald City homeowner? It all starts with the right mortgage lender, and we’ve narrowed the field so your search can be even simpler.
These national and regional institutions have been reviewed by NerdWallet, and are among the highest volume mortgage lenders in the Seattle area, according to the latest available data.
Seattle is one of America’s fastest-growing cities, and it’s easy to see why. Residents can enjoy views of Mt. Rainier, plenty of coffee shops and ample job opportunities. Want to join them and become an Emerald City homeowner? It all starts with the right mortgage lender, and we’ve narrowed the field so your search can be even simpler.
These national and regional institutions have been reviewed by NerdWallet, and are among the highest volume mortgage lenders in the Seattle area, according to the latest available data.
Summary of Best Seattle Mortgage Lenders of 2021
Lender | NerdWallet Rating | Minimum Credit Score | Minimum Down Payment | Learn More |
---|---|---|---|---|
Best for first-time home buyers | 620 | 3% | Read review | |
Best for quick-response customer service | 620 | 3% | at Quicken Loans | |
Best for down payment assistance | 620 | 3% | Read review | |
Best for jumbo loans | 620 | 3% | Read review | |
Best for mobile app experience | 620 | 3% | at Fairway Independent Mortgage | |
Best for conventional loans | 620 | 3% | at Chase | |
Best for strong customer service | 620 | 5% | at loanDepot | |
Best for renovation and construction loans | 620 | 3% | Read review | |
Best for military members and their families | N/A | 0% | Read review | |
Best for borrowers with past credit issues | 620 | 3% | Read review |
Caliber: NMLS#15622

Min. Credit Score
Min. Down Payment
at Quicken Loans
Quicken Loans: NMLS#3030
Min. Credit Score
Min. Down Payment
at Quicken Loans
Guild Mortgage: NMLS#3274

Min. Credit Score
Min. Down Payment
Bank of America: NMLS#399802

Min. Credit Score
Min. Down Payment
at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. Credit Score
Min. Down Payment
at Fairway Independent Mortgage
at Chase
Chase: NMLS#399798
Min. Credit Score
Min. Down Payment
at Chase
at loanDepot
loanDepot: NMLS#174457

Min. Credit Score
Min. Down Payment
at loanDepot
Flagstar: NMLS#417490

Min. Credit Score
Min. Down Payment
Navy Federal: NMLS#399807

National / Regional
Min. Down Payment
PrimeLending: NMLS#13649

Min. Credit Score
Min. Down Payment
Local mortgage lenders in Seattle
While these lenders have not been reviewed by NerdWallet, they do a lot of lending in Seattle and are popular with the city’s mortgage shoppers. Check them out if you want to include a local company or two on your list.
Participates in down payment assistance programs.
Offers special loans for medical professionals and borrowers with unique income streams.
Provides mortgage lending customer service only Monday through Friday.
Has over a dozen home loan centers in and around Seattle.
Offers membership to anyone who lives or works in Washington state.
Does not charge origination fees on conventional mortgage loans.
Works with third-party companies to provide rebates on real estate agent commissions.
Over a dozen branch locations in and around Seattle.
An independent mortgage company headquartered in Bellevue, Washington
Has a program that reimburses the down payment amount if the property is sold at loss in the future.
Offers a guarantee that pays a seller $2,500 if a borrower makes an offer and the loan then falls through.
Has only one branch location in Seattle.
Primarily serves high-tech or telecom company employees and their families.
Doesn’t offer FHA, VA or USDA loans.
Offers a specialized 5/5 adjustable-rate mortgage.
Has only one branch location in Seattle.
More from NerdWallet
Last updated on January 2, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
To recap our selections...
NerdWallet's Best Seattle Mortgage Lenders of 2021
- Caliber: Best for first-time home buyers
- Quicken Loans: Best for quick-response customer service
- Guild Mortgage: Best for down payment assistance
- Bank of America: Best for jumbo loans
- Fairway Independent Mortgage: Best for mobile app experience
- Chase: Best for conventional loans
- loanDepot: Best for strong customer service
- Flagstar: Best for renovation and construction loans
- Navy Federal: Best for military members and their families
- PrimeLending: Best for borrowers with past credit issues