9 Best Seattle Mortgage Lenders of 2022
Looking for a Seattle mortgage lender? We researched Seattle's best mortgage companies so you can compare loan options, mortgage rates and more.
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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.
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Best Seattle Mortgage Lenders
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Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | Min. credit score ▾ ▾ | Min. down payment ▾ ▾ | Learn more |
|---|---|---|---|---|
 Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | 620 | 3% | Learn more at Fairway Independent Mortgage | |
 loanDepot: NMLS#174457 LEARN MORE on NerdWallet | 620 | 5% | LEARN MORE on NerdWallet | |
 Caliber: NMLS#15622 LEARN MORE on NerdWallet | 620 | 3% | LEARN MORE on NerdWallet | |
 Guild Mortgage: NMLS#3274 LEARN MORE on NerdWallet | 620 | 3% | LEARN MORE on NerdWallet | |
 Chase: NMLS#399798 LEARN MORE on NerdWallet | 620 | 3% | LEARN MORE on NerdWallet | |
 Bank of America: NMLS#399802 LEARN MORE on NerdWallet | 720 | 5% | LEARN MORE on NerdWallet | |
 Flagstar: NMLS#417490 LEARN MORE on NerdWallet | 620 | 3% | LEARN MORE on NerdWallet | |
 Navy Federal: NMLS#399807 LEARN MORE on NerdWallet | N/A | 0% | LEARN MORE on NerdWallet | |
 PrimeLending: NMLS#13649 LEARN MORE on NerdWallet | 620 | 3% | LEARN MORE on NerdWallet |
Fairway Independent Mortgage: NMLS#2289
620
3%
- Offers a robust suite of loan products, including ITIN loans for borrowers without Social Security numbers, renovation loans, government-backed mortgages and loans for self-employed borrowers.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
- Mortgage rates for different types of loans aren't posted online.
- Origination fees and mortgage rates are on the high side compared with other lenders, according to the latest federal data.
- Offers a variety of repayment terms.
- Online loan calculator lets borrowers compare monthly payments and lifetime interest.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
- No sample interest rates are provided.
- Origination fees are on the higher end, according to the latest federal data.
- Lender’s website does not have a live chat feature.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
- Offers financial assistance, such as grants for down payments or closing costs, to first-time home buyers who qualify.
- Supports military borrowers with extensive online resources and dedicated VA loan specialists.
- No mortgage rates displayed online.
- Room to improve overall digital experience: No online chat for customer service, and mobile app has poor ratings and reviews.
- Doesn't offer home equity loans or lines of credit.
Guild Mortgage: NMLS#3274
620
3%
- Offers a wide variety of loan options, including home improvement loans and mortgages for manufactured homes.
- Has branches in most states.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
- Origination fees and mortgage rates tend to be on the high side, according to the latest federal data.
- Mortgage rates are not published online.
- Mobile app receives mostly negative reviews from users.
- Offers two proprietary loans with low down payment requirements.
- Provides customizable sample rates.
- Receives high marks for customer satisfaction, according to JD Power and Zillow.
- Borrowers must apply for prequalification before accessing a full online application.
- Origination fees are higher than average, according to the latest federal data.
- Borrowers may be frustrated with the lender’s website experience.
- Offers down payment and closing cost assistance programs.
- Existing customers who meet certain qualifications can receive a discount on mortgage lender origination fees and HELOC interest rates.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
- Doesn't offer renovation or construction-to-permanent mortgage loans.
- Must enroll in online banking to access Home Loan Navigator.
- Fined $12 million for reporting inaccurate mortgage applicant info to the federal government.
- Multiple loans for those who are renovating or building a home, including loans with interest-only payments during construction.
- Offers home equity loans and lines of credit.
- Offers down payment assistance and loans for underserved borrowers, including ITIN loans and loans with flexible qualifications in certain communities.
- Interest rates are on the low side relative to other lenders, according to the latest federal data.
- Borrowers can enter their information (including their desired loan amount, down payment and zip code) into the lender’s Mortgage Quote Comparison tool and receive a customized rate quote.
- Home equity loans are not available in all locations served by Flagstar.
- In 2022, the lender was fined for violating laws regarding properties in flood zones.
- Offers a wide range of affordable mortgage products, including 0% down payment loans, designed for military members.
- Offers HELOCs and home equity loans.
- Offers low rates compared with most lenders, according to the latest federal data.
- Website does not provide customized mortgage rates based on credit score or other factors before you apply.
- Credit union membership is limited to veterans and current military members, their families, and certain federal employees, retirees and contractors.
PrimeLending: NMLS#13649
620
3%
- Offers a broad selection of renovation loans to finance cosmetic upgrades or structural repairs.
- Issues loan approval letters within 24 hours to borrowers who qualify.
- Offers resources to connect eligible borrowers with closing cost and down payment assistance programs.
- No online mortgage rates — you have to contact the lender for information.
- Rates and fees are on the high side, according to the latest federal data.
- Doesn't offer home equity loans or lines of credit.
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 6, 2022
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.
NerdWallet's Best Seattle Mortgage Lenders of 2022
- Fairway Independent Mortgage: Best for mobile app experience
- loanDepot: Best for strong customer service
- Caliber: Best for first-time home buyers
- Guild Mortgage: Best for down payment assistance
- Chase: Best for conventional loans
- Bank of America: Best for jumbo loans
- Flagstar: Best for renovation and construction loans
- Navy Federal: Best for military members and their families
- PrimeLending: Best for borrowers with past credit issues
