10 Best Washington Mortgage Lenders of 2021

Why we like it

Pros

• Uses manual underwriting to evaluate creditworthiness, in some cases.

• Offers full online mortgage application, rate quotes, document upload and loan tracking.

Cons

• Mortgage origination fees tend to be on the high end, according to the latest federal data.

Why we like it

Pros

• Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary.

• Estimates the loan amount you’ll qualify for within minutes.

• Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter.

Cons

• Getting a customized interest rate requires a credit check, which can affect your credit score.

• Doesn't offer home equity loans or lines of credit.

• Lender fees are on the high side and the fees aren't offset by particularly low mortgage rates, according to the latest data.

Why we like it

Pros

• Offers the ability to securely upload and digitally sign loan documents.

• Displays detailed sample rates for many of its loan products.

Cons

• Doesn't offer home equity loans or lines of credit.

Why we like it

Pros

• Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary.

• Estimates the loan amount you’ll qualify for within minutes.

• Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter.

Cons

• Getting a customized interest rate requires a credit check, which can affect your credit score.

• Doesn't offer home equity loans or lines of credit.

• Lender fees are on the high side and the fees aren't offset by particularly low mortgage rates, according to the latest data.

Why we like it

Pros

• Offers 24/7 customer service over the phone.

• Has online application and prequalification.

• Offers a free credit counseling service.

• Employs advisors from each branch of the armed forces.

Cons

• Doesn’t offer home equity loans or HELOCs.

• Veterans United has physical branch offices in only 17 states.

• Information on FHA, USDA and conventional loans is harder to find on its website.

Why we like it

Pros

• Offers digital income, asset and employment verification.

• Offers multiple renovation loan options.

• Has affiliated loan stores for customers who prefer face-to-face service.

Cons

• Mortgage rates aren't available online; you'll need to contact a loan officer.

• Does not offer home equity loans or lines of credit.

Why we like it

Pros

• Offers a completely online application process.

• Posts current interest rates for purchase and refinancing.

• Provides customized rate quotes online.

Cons

• Available in just 14 states.

• Offers fewer loan types and products than other lenders.

Why we like it

Pros

• Offers a wide variety of loan options, including low-down-payment mortgages and jumbo mortgages.

• Offers low rates and typical fees compared to other lenders, according to the latest data.

Cons

• Requires help from a loan officer to complete an online mortgage application.

• Customized mortgage rates not available without making contact.

Why we like it

Pros

• Offers a wide range of loan types and products, including FHA, VA and USDA.

• Has a full suite of online conveniences.

• Offers customized online rate quotes with monthly payment estimates, including mortgage insurance, when applicable.

Cons

• Home equity lending is geographically limited.

Why we like it

Pros

• Offers multiple low-down-payment loan programs.

• May consider alternative credit data, such as bank statements and rent payments.

• You can view customized rates for purchasing a home and apply online.

Cons

• Doesn't offer home equity loans, HELOCs or renovation mortgages.

• Lender fees and mortgage rates are on the high side, according to the latest data.