Top Mortgage Lenders in Lacey, WA

Lender Rankings / Last Updated: January 25, 2021

Which mortgage lender in the Lacey, WA area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Lacey, WA area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Lacey, WA area in terms of interest rate is Navy Federal Credit Union, with an average “Rate Difference” of -0.27%. This means that, comparing similar borrowers, Navy Federal Credit Union provided a -0.27% lower interest rate for its customers than other lenders in the area. Navy Federal Credit Union has a market share of 1.8%. On the other hand, the most popular lender in the Lacey, WA area is Academy Mortgage Corporation Utah, with a larger market share of 10.1%. However, Academy Mortgage Corporation Utah also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.14% compared to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed ranking of mortgage lenders in the Lacey, WA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Lacey, WA is Washington State Employees Credit Union. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Movement Mortgage. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Lacey, WA

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.27%(5.0)1.78%
Washington State Employees Credit Union-0.21%(4.5)3.52%
Boeing Employees’ Credit Union-0.16%(4.5)1.34%
Sound Credit Union-0.14%(4.0)0.49%
Inspire Home Loans-0.13%(4.0)0.35%
USAA-0.12%(4.0)2.30%
TwinStar Credit Union-0.11%(4.0)2.29%
Provident Funding-0.11%(4.0)0.55%
Amerisave Mortgage Corporation-0.11%(4.0)0.44%
Bank of America-0.10%(4.0)0.86%
DHI Mortgage Company Limited-0.08%(4.0)0.87%
PennyMac Loan Services-0.08%(4.0)1.76%
HomeBridge Financial Services-0.07%(4.0)0.87%
NBKC Bank-0.07%(4.0)0.41%
Keller Mortgage-0.07%(4.0)0.36%
Caliber Home Loans-0.07%(4.0)5.05%
Lakeview Loan Servicing-0.06%(4.0)0.85%
US Bank-0.06%(4.0)0.76%
On Q Financial-0.05%(3.5)0.38%
Home Point Financial Corporation-0.04%(3.5)0.47%
FBC Mortgage-0.04%(3.5)0.36%
Flagstar Bank-0.04%(3.5)2.41%
loanDepot-0.04%(3.5)3.20%
Wells Fargo Bank-0.03%(3.5)2.88%
Fairway Independent Mortgage Corporation-0.03%(3.5)8.91%
Umpqua Bank-0.03%(3.5)0.93%
Movement Mortgage-0.02%(3.5)2.70%
NewRez-0.02%(3.5)0.44%
Planet Home Lending-0.01%(3.5)0.31%
KeyBank-0.01%(3.5)1.99%
Finance of America Mortgage-0.01%(3.5)1.02%
LeaderOne Financial Corporation-0.00%(3.5)0.46%
New American Funding0.01%(3.5)1.00%
JPMorgan Chase Bank0.01%(3.5)1.28%
Mann Mortgage0.01%(3.5)0.31%
1st Security Bank0.01%(3.5)0.85%
PRMG Mortgage0.02%(3.5)1.35%
American Pacific Mortgage0.02%(3.5)1.51%
Premier Mortgage Resources0.03%(3.5)0.39%
Primary Residential Mortgage Inc0.03%(3.5)0.80%
HomeStreet Bank0.03%(3.5)1.26%
Guild Mortgage Company0.04%(3.5)5.03%
Cardinal Financial Company0.04%(3.5)0.80%
Quicken Loans0.05%(3.0)9.48%
Summit Funding Inc0.06%(3.0)0.95%
AmCap Home Loans0.06%(3.0)0.42%
Nations Lending Corporation0.06%(3.0)0.29%
Bay Equity Home Loans0.07%(3.0)1.27%
Axia Home Loans0.07%(3.0)1.44%
PrimeLending0.09%(3.0)1.77%
Evergreen Moneysource Mortgage Company0.09%(3.0)3.59%
Mortgage Solutions Financial0.09%(3.0)0.37%
Freedom Mortgage Corporation0.10%(3.0)1.02%
Mr. Cooper0.10%(3.0)0.84%
Carrington Mortgage Services0.10%(3.0)1.31%
The Federal Savings Bank0.11%(3.0)0.83%
Academy Mortgage Corporation Utah0.14%(3.0)10.11%
NewDay USA0.48%(1.0)0.43%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.30%(5.0)3.01%
Boeing Employees’ Credit Union-0.23%(4.5)1.64%
Wells Fargo Bank-0.17%(4.5)2.63%
Washington State Employees Credit Union-0.17%(4.5)2.13%
Bank of America-0.17%(4.5)0.81%
US Bank-0.13%(4.0)0.74%
TwinStar Credit Union-0.13%(4.0)1.51%
Inspire Home Loans-0.12%(4.0)0.68%
USAA-0.12%(4.0)2.96%
NBKC Bank-0.10%(4.0)0.41%
JPMorgan Chase Bank-0.09%(4.0)0.88%
HomeBridge Financial Services-0.09%(4.0)0.92%
Sound Credit Union-0.09%(4.0)0.23%
Quicken Loans-0.08%(4.0)3.69%
DHI Mortgage Company Limited-0.08%(4.0)1.71%
Provident Funding-0.07%(4.0)0.31%
Keller Mortgage-0.07%(4.0)0.59%
KeyBank-0.05%(3.5)0.77%
On Q Financial-0.04%(3.5)0.65%
FBC Mortgage-0.04%(3.5)0.49%
PennyMac Loan Services-0.04%(3.5)0.14%
Flagstar Bank-0.04%(3.5)2.41%
Home Point Financial Corporation-0.03%(3.5)0.22%
Freedom Mortgage Corporation-0.03%(3.5)0.22%
Umpqua Bank-0.02%(3.5)0.85%
NewRez-0.02%(3.5)0.18%
Movement Mortgage-0.02%(3.5)3.68%
The Federal Savings Bank-0.01%(3.5)0.09%
Amerisave Mortgage Corporation-0.01%(3.5)0.04%
Nations Lending Corporation-0.01%(3.5)0.05%
Caliber Home Loans-0.01%(3.5)4.90%
NewDay USA-0.00%(3.5)0.04%
LeaderOne Financial Corporation-0.00%(3.5)0.47%
Planet Home Lending-0.00%(3.5)0.05%
HomeStreet Bank0.00%(3.5)1.60%
Fairway Independent Mortgage Corporation0.01%(3.5)12.24%
Mann Mortgage0.02%(3.5)0.43%
Finance of America Mortgage0.02%(3.5)1.17%
American Pacific Mortgage0.03%(3.5)2.11%
1st Security Bank0.03%(3.5)1.06%
Primary Residential Mortgage Inc0.04%(3.5)1.05%
Mr. Cooper0.04%(3.5)0.25%
Premier Mortgage Resources0.04%(3.5)0.54%
Cardinal Financial Company0.05%(3.5)0.88%
Summit Funding Inc0.06%(3.0)1.55%
New American Funding0.07%(3.0)0.99%
AmCap Home Loans0.07%(3.0)0.58%
Guild Mortgage Company0.07%(3.0)6.27%
loanDepot0.07%(3.0)2.47%
Bay Equity Home Loans0.08%(3.0)1.59%
PRMG Mortgage0.08%(3.0)1.42%
Axia Home Loans0.08%(3.0)2.20%
Evergreen Moneysource Mortgage Company0.11%(3.0)5.28%
PrimeLending0.11%(3.0)2.22%
Academy Mortgage Corporation Utah0.12%(3.0)12.96%
Mortgage Solutions Financial0.12%(3.0)0.32%
Carrington Mortgage Services0.20%(2.5)0.70%
Lender NameRate DifferenceRate RatingMarket Share
Washington State Employees Credit Union-0.23%(4.5)4.98%
Sound Credit Union-0.16%(4.5)0.75%
Provident Funding-0.13%(4.0)0.81%
USAA-0.13%(4.0)1.62%
Caliber Home Loans-0.12%(4.0)5.21%
Amerisave Mortgage Corporation-0.11%(4.0)0.86%
loanDepot-0.11%(4.0)3.97%
TwinStar Credit Union-0.10%(4.0)3.10%
Fairway Independent Mortgage Corporation-0.10%(4.0)5.45%
PennyMac Loan Services-0.08%(4.0)3.44%
Keller Mortgage-0.07%(4.0)0.11%
Lakeview Loan Servicing-0.06%(4.0)1.73%
On Q Financial-0.06%(4.0)0.09%
New American Funding-0.05%(4.0)1.01%
HomeBridge Financial Services-0.05%(4.0)0.83%
Finance of America Mortgage-0.05%(3.5)0.86%
NBKC Bank-0.05%(3.5)0.41%
PRMG Mortgage-0.04%(3.5)1.28%
Home Point Financial Corporation-0.04%(3.5)0.73%
Bank of America-0.03%(3.5)0.90%
Flagstar Bank-0.03%(3.5)2.41%
Boeing Employees’ Credit Union-0.03%(3.5)1.03%
FBC Mortgage-0.03%(3.5)0.23%
Guild Mortgage Company-0.03%(3.5)3.74%
Umpqua Bank-0.03%(3.5)1.01%
Movement Mortgage-0.03%(3.5)1.67%
1st Security Bank-0.02%(3.5)0.62%
Navy Federal Credit Union-0.02%(3.5)0.49%
NewRez-0.02%(3.5)0.71%
Planet Home Lending-0.01%(3.5)0.58%
Premier Mortgage Resources-0.01%(3.5)0.23%
LeaderOne Financial Corporation-0.00%(3.5)0.45%
Mann Mortgage-0.00%(3.5)0.19%
KeyBank-0.00%(3.5)3.25%
American Pacific Mortgage0.01%(3.5)0.88%
Primary Residential Mortgage Inc0.01%(3.5)0.55%
US Bank0.02%(3.5)0.79%
AmCap Home Loans0.03%(3.5)0.26%
Summit Funding Inc0.03%(3.5)0.32%
Cardinal Financial Company0.03%(3.5)0.71%
Evergreen Moneysource Mortgage Company0.04%(3.5)1.82%
PrimeLending0.04%(3.5)1.30%
Axia Home Loans0.04%(3.5)0.64%
Bay Equity Home Loans0.06%(3.0)0.94%
Mortgage Solutions Financial0.06%(3.0)0.41%
Carrington Mortgage Services0.06%(3.0)1.94%
Nations Lending Corporation0.07%(3.0)0.53%
JPMorgan Chase Bank0.07%(3.0)1.69%
Quicken Loans0.09%(3.0)15.52%
HomeStreet Bank0.09%(3.0)0.90%
Wells Fargo Bank0.10%(3.0)3.14%
Mr. Cooper0.11%(3.0)1.45%
Freedom Mortgage Corporation0.11%(3.0)1.86%
The Federal Savings Bank0.12%(3.0)1.60%
Academy Mortgage Corporation Utah0.19%(2.5)7.14%
NewDay USA0.50%(1.0)0.85%
Lender NameRate DifferenceRate RatingMarket Share
Washington State Employees Credit Union-0.23%(4.5)5.64%
Boeing Employees’ Credit Union-0.17%(4.5)2.17%
Amerisave Mortgage Corporation-0.16%(4.5)0.47%
Sound Credit Union-0.16%(4.5)0.77%
DHI Mortgage Company Limited-0.13%(4.0)0.50%
Inspire Home Loans-0.13%(4.0)0.24%
TwinStar Credit Union-0.12%(4.0)3.90%
Provident Funding-0.12%(4.0)0.94%
Bank of America-0.12%(4.0)1.26%
HomeBridge Financial Services-0.10%(4.0)0.80%
On Q Financial-0.07%(4.0)0.46%
loanDepot-0.07%(4.0)2.69%
Keller Mortgage-0.07%(4.0)0.41%
Home Point Financial Corporation-0.07%(4.0)0.25%
US Bank-0.07%(4.0)1.13%
Flagstar Bank-0.06%(4.0)2.23%
Fairway Independent Mortgage Corporation-0.06%(4.0)7.21%
FBC Mortgage-0.05%(4.0)0.24%
NBKC Bank-0.04%(3.5)0.28%
Umpqua Bank-0.03%(3.5)1.23%
Finance of America Mortgage-0.03%(3.5)1.08%
NewRez-0.03%(3.5)0.36%
Caliber Home Loans-0.03%(3.5)4.71%
Wells Fargo Bank-0.03%(3.5)4.13%
USAA-0.02%(3.5)0.79%
New American Funding-0.01%(3.5)0.83%
KeyBank-0.01%(3.5)3.17%
LeaderOne Financial Corporation-0.00%(3.5)0.38%
Premier Mortgage Resources-0.00%(3.5)0.11%
1st Security Bank0.00%(3.5)0.96%
JPMorgan Chase Bank0.01%(3.5)2.03%
Mann Mortgage0.01%(3.5)0.17%
Lakeview Loan Servicing0.01%(3.5)0.11%
American Pacific Mortgage0.02%(3.5)1.21%
AmCap Home Loans0.02%(3.5)0.24%
Primary Residential Mortgage Inc0.02%(3.5)0.66%
Planet Home Lending0.02%(3.5)0.22%
Mortgage Solutions Financial0.03%(3.5)0.13%
HomeStreet Bank0.03%(3.5)1.48%
The Federal Savings Bank0.03%(3.5)0.06%
PennyMac Loan Services0.03%(3.5)0.75%
Guild Mortgage Company0.03%(3.5)4.85%
Carrington Mortgage Services0.04%(3.5)0.25%
Cardinal Financial Company0.05%(3.5)0.46%
Movement Mortgage0.05%(3.5)2.03%
Freedom Mortgage Corporation0.05%(3.5)0.44%
Quicken Loans0.06%(3.0)12.57%
PRMG Mortgage0.06%(3.0)0.96%
Summit Funding Inc0.07%(3.0)0.99%
Nations Lending Corporation0.07%(3.0)0.14%
Bay Equity Home Loans0.07%(3.0)1.01%
Navy Federal Credit Union0.08%(3.0)0.71%
PrimeLending0.09%(3.0)2.12%
Axia Home Loans0.09%(3.0)1.51%
Evergreen Moneysource Mortgage Company0.10%(3.0)3.38%
Mr. Cooper0.13%(3.0)0.68%
Academy Mortgage Corporation Utah0.17%(2.5)11.55%
Lender NameRate DifferenceRate RatingMarket Share
Boeing Employees’ Credit Union-0.25%(5.0)2.79%
Bank of America-0.21%(4.5)1.16%
Wells Fargo Bank-0.20%(4.5)3.69%
Washington State Employees Credit Union-0.18%(4.5)3.76%
US Bank-0.16%(4.5)1.13%
TwinStar Credit Union-0.13%(4.0)2.76%
DHI Mortgage Company Limited-0.13%(4.0)1.06%
Inspire Home Loans-0.13%(4.0)0.50%
HomeBridge Financial Services-0.12%(4.0)0.93%
JPMorgan Chase Bank-0.11%(4.0)1.36%
Sound Credit Union-0.09%(4.0)0.40%
Flagstar Bank-0.08%(4.0)2.63%
Quicken Loans-0.07%(4.0)4.99%
On Q Financial-0.07%(4.0)0.80%
Provident Funding-0.07%(4.0)0.57%
Keller Mortgage-0.07%(4.0)0.66%
KeyBank-0.05%(4.0)1.16%
FBC Mortgage-0.05%(4.0)0.33%
Fairway Independent Mortgage Corporation-0.04%(3.5)9.71%
NBKC Bank-0.04%(3.5)0.20%
Umpqua Bank-0.03%(3.5)1.13%
PennyMac Loan Services-0.03%(3.5)0.10%
loanDepot-0.02%(3.5)2.36%
Home Point Financial Corporation-0.02%(3.5)0.20%
HomeStreet Bank-0.01%(3.5)2.09%
USAA-0.01%(3.5)1.06%
NewRez-0.01%(3.5)0.07%
LeaderOne Financial Corporation-0.00%(3.5)0.43%
Freedom Mortgage Corporation-0.00%(3.5)0.03%
Amerisave Mortgage Corporation-0.00%(3.5)0.03%
Finance of America Mortgage-0.00%(3.5)0.90%
Mr. Cooper0.00%(3.5)0.13%
Planet Home Lending0.00%(3.5)0.07%
AmCap Home Loans0.02%(3.5)0.30%
Carrington Mortgage Services0.02%(3.5)0.07%
Caliber Home Loans0.02%(3.5)5.39%
Mann Mortgage0.03%(3.5)0.20%
American Pacific Mortgage0.03%(3.5)1.73%
1st Security Bank0.04%(3.5)1.23%
Primary Residential Mortgage Inc0.04%(3.5)1.00%
Premier Mortgage Resources0.04%(3.5)0.10%
Mortgage Solutions Financial0.05%(3.0)0.17%
Movement Mortgage0.06%(3.0)3.03%
Guild Mortgage Company0.07%(3.0)6.55%
Summit Funding Inc0.08%(3.0)1.63%
Bay Equity Home Loans0.09%(3.0)1.06%
New American Funding0.09%(3.0)0.86%
Cardinal Financial Company0.10%(3.0)0.50%
Navy Federal Credit Union0.10%(3.0)1.13%
Axia Home Loans0.11%(3.0)2.26%
PRMG Mortgage0.12%(3.0)1.23%
Evergreen Moneysource Mortgage Company0.12%(3.0)5.19%
PrimeLending0.13%(3.0)2.56%
Academy Mortgage Corporation Utah0.14%(3.0)14.63%
Lender NameRate DifferenceRate RatingMarket Share
Washington State Employees Credit Union-0.25%(5.0)7.33%
Sound Credit Union-0.18%(4.5)1.10%
Amerisave Mortgage Corporation-0.17%(4.5)0.86%
Provident Funding-0.13%(4.0)1.28%
New American Funding-0.11%(4.0)0.80%
TwinStar Credit Union-0.11%(4.0)4.91%
loanDepot-0.11%(4.0)2.98%
Home Point Financial Corporation-0.10%(4.0)0.30%
Caliber Home Loans-0.09%(4.0)4.11%
Fairway Independent Mortgage Corporation-0.09%(4.0)4.97%
Keller Mortgage-0.08%(4.0)0.18%
HomeBridge Financial Services-0.07%(4.0)0.68%
On Q Financial-0.06%(4.0)0.15%
Finance of America Mortgage-0.06%(4.0)1.25%
FBC Mortgage-0.05%(4.0)0.15%
1st Security Bank-0.05%(3.5)0.71%
NBKC Bank-0.04%(3.5)0.36%
Bank of America-0.04%(3.5)1.34%
Boeing Employees’ Credit Union-0.04%(3.5)1.61%
NewRez-0.04%(3.5)0.63%
Umpqua Bank-0.04%(3.5)1.31%
USAA-0.03%(3.5)0.54%
Premier Mortgage Resources-0.03%(3.5)0.12%
Flagstar Bank-0.03%(3.5)1.88%
Guild Mortgage Company-0.03%(3.5)3.34%
PRMG Mortgage-0.02%(3.5)0.71%
Mortgage Solutions Financial-0.01%(3.5)0.09%
Primary Residential Mortgage Inc-0.01%(3.5)0.36%
American Pacific Mortgage-0.01%(3.5)0.74%
Mann Mortgage-0.01%(3.5)0.15%
KeyBank-0.01%(3.5)4.97%
Cardinal Financial Company-0.00%(3.5)0.42%
LeaderOne Financial Corporation0.00%(3.5)0.33%
Lakeview Loan Servicing0.01%(3.5)0.21%
US Bank0.02%(3.5)1.13%
AmCap Home Loans0.02%(3.5)0.18%
Navy Federal Credit Union0.02%(3.5)0.33%
The Federal Savings Bank0.02%(3.5)0.12%
Planet Home Lending0.03%(3.5)0.36%
Summit Funding Inc0.03%(3.5)0.42%
Evergreen Moneysource Mortgage Company0.03%(3.5)1.76%
Movement Mortgage0.03%(3.5)1.13%
PennyMac Loan Services0.03%(3.5)1.34%
PrimeLending0.04%(3.5)1.73%
Carrington Mortgage Services0.04%(3.5)0.42%
Axia Home Loans0.04%(3.5)0.83%
Freedom Mortgage Corporation0.05%(3.5)0.80%
Bay Equity Home Loans0.05%(3.0)0.95%
JPMorgan Chase Bank0.07%(3.0)2.62%
Nations Lending Corporation0.07%(3.0)0.27%
Quicken Loans0.08%(3.0)19.36%
Wells Fargo Bank0.10%(3.0)4.53%
HomeStreet Bank0.10%(3.0)0.92%
Mr. Cooper0.14%(3.0)1.16%
Academy Mortgage Corporation Utah0.21%(2.5)8.78%
Lender NameRate DifferenceRate RatingMarket Share
Movement Mortgage-0.12%(4.0)6.48%
Caliber Home Loans-0.09%(4.0)5.00%
Quicken Loans-0.09%(4.0)6.48%
HomeBridge Financial Services-0.09%(4.0)0.41%
FBC Mortgage-0.06%(4.0)0.74%
Carrington Mortgage Services-0.06%(4.0)2.84%
Home Point Financial Corporation-0.05%(4.0)0.34%
Keller Mortgage-0.04%(3.5)0.20%
PennyMac Loan Services-0.04%(3.5)1.15%
Inspire Home Loans-0.04%(3.5)0.20%
Navy Federal Credit Union-0.04%(3.5)0.14%
Planet Home Lending-0.03%(3.5)0.20%
KeyBank-0.03%(3.5)0.20%
The Federal Savings Bank-0.02%(3.5)0.27%
Umpqua Bank-0.02%(3.5)0.68%
On Q Financial-0.02%(3.5)0.54%
LeaderOne Financial Corporation-0.02%(3.5)1.35%
NewRez-0.02%(3.5)0.61%
Washington State Employees Credit Union-0.02%(3.5)0.14%
US Bank-0.02%(3.5)0.07%
Premier Mortgage Resources-0.01%(3.5)0.34%
TwinStar Credit Union-0.01%(3.5)0.07%
HomeStreet Bank-0.01%(3.5)0.81%
Bank of America-0.01%(3.5)0.07%
1st Security Bank-0.01%(3.5)1.01%
Cardinal Financial Company-0.01%(3.5)2.03%
American Pacific Mortgage-0.01%(3.5)2.16%
Wells Fargo Bank-0.01%(3.5)0.34%
PRMG Mortgage-0.00%(3.5)2.36%
Flagstar Bank0.00%(3.5)0.68%
Mann Mortgage0.00%(3.5)1.01%
Fairway Independent Mortgage Corporation0.00%(3.5)11.75%
Amerisave Mortgage Corporation0.01%(3.5)0.34%
DHI Mortgage Company Limited0.01%(3.5)0.47%
Guild Mortgage Company0.02%(3.5)6.95%
Primary Residential Mortgage Inc0.02%(3.5)1.15%
Finance of America Mortgage0.02%(3.5)1.82%
New American Funding0.02%(3.5)1.42%
Mr. Cooper0.02%(3.5)1.49%
Axia Home Loans0.03%(3.5)2.30%
Freedom Mortgage Corporation0.03%(3.5)1.35%
Summit Funding Inc0.03%(3.5)2.09%
Evergreen Moneysource Mortgage Company0.03%(3.5)5.40%
Mortgage Solutions Financial0.03%(3.5)0.34%
AmCap Home Loans0.04%(3.5)0.74%
Nations Lending Corporation0.06%(3.0)1.01%
Academy Mortgage Corporation Utah0.06%(3.0)11.68%
Lakeview Loan Servicing0.06%(3.0)2.09%
Bay Equity Home Loans0.07%(3.0)2.50%
loanDepot0.08%(3.0)3.65%
PrimeLending0.09%(3.0)2.57%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.19%(4.5)2.60%
Movement Mortgage-0.13%(4.0)7.52%
Caliber Home Loans-0.11%(4.0)5.30%
HomeBridge Financial Services-0.09%(4.0)0.58%
FBC Mortgage-0.09%(4.0)0.77%
Home Point Financial Corporation-0.07%(4.0)0.39%
Carrington Mortgage Services-0.05%(3.5)0.87%
Keller Mortgage-0.04%(3.5)0.29%
Wells Fargo Bank-0.04%(3.5)0.19%
Freedom Mortgage Corporation-0.04%(3.5)0.19%
Inspire Home Loans-0.04%(3.5)0.29%
Navy Federal Credit Union-0.04%(3.5)0.19%
Mr. Cooper-0.04%(3.5)0.19%
Umpqua Bank-0.04%(3.5)0.58%
Premier Mortgage Resources-0.04%(3.5)0.29%
HomeStreet Bank-0.03%(3.5)0.68%
The Federal Savings Bank-0.03%(3.5)0.29%
KeyBank-0.03%(3.5)0.19%
Amerisave Mortgage Corporation-0.03%(3.5)0.10%
Cardinal Financial Company-0.03%(3.5)1.93%
NewRez-0.03%(3.5)0.10%
On Q Financial-0.03%(3.5)0.77%
Nations Lending Corporation-0.02%(3.5)0.29%
TwinStar Credit Union-0.02%(3.5)0.10%
Bank of America-0.02%(3.5)0.10%
Washington State Employees Credit Union-0.02%(3.5)0.10%
LeaderOne Financial Corporation-0.02%(3.5)1.06%
1st Security Bank-0.02%(3.5)1.06%
American Pacific Mortgage-0.01%(3.5)2.60%
Mann Mortgage-0.00%(3.5)1.35%
Fairway Independent Mortgage Corporation-0.00%(3.5)14.95%
DHI Mortgage Company Limited0.00%(3.5)0.68%
Flagstar Bank0.01%(3.5)0.58%
Finance of America Mortgage0.02%(3.5)2.51%
PRMG Mortgage0.02%(3.5)1.74%
New American Funding0.02%(3.5)1.54%
Axia Home Loans0.02%(3.5)2.89%
Summit Funding Inc0.03%(3.5)2.89%
Evergreen Moneysource Mortgage Company0.03%(3.5)7.14%
AmCap Home Loans0.03%(3.5)0.87%
Mortgage Solutions Financial0.04%(3.5)0.39%
Primary Residential Mortgage Inc0.04%(3.5)1.06%
Guild Mortgage Company0.05%(3.5)7.71%
Academy Mortgage Corporation Utah0.05%(3.0)14.37%
Bay Equity Home Loans0.07%(3.0)2.89%
PrimeLending0.09%(3.0)3.28%
loanDepot0.11%(3.0)3.57%
Lender NameRate DifferenceRate RatingMarket Share
Guild Mortgage Company-0.10%(4.0)5.18%
Movement Mortgage-0.09%(4.0)4.05%
Carrington Mortgage Services-0.05%(3.5)7.43%
Caliber Home Loans-0.04%(3.5)4.28%
Quicken Loans-0.04%(3.5)15.54%
PennyMac Loan Services-0.02%(3.5)3.83%
LeaderOne Financial Corporation-0.02%(3.5)2.03%
Planet Home Lending-0.02%(3.5)0.68%
Primary Residential Mortgage Inc-0.01%(3.5)1.35%
PRMG Mortgage-0.01%(3.5)3.83%
KeyBank-0.01%(3.5)0.23%
Washington State Employees Credit Union-0.01%(3.5)0.23%
NewRez-0.01%(3.5)1.80%
Flagstar Bank-0.00%(3.5)0.90%
US Bank-0.00%(3.5)0.23%
FBC Mortgage-0.00%(3.5)0.68%
The Federal Savings Bank0.00%(3.5)0.23%
Finance of America Mortgage0.00%(3.5)0.23%
American Pacific Mortgage0.01%(3.5)1.13%
Umpqua Bank0.01%(3.5)0.90%
Mortgage Solutions Financial0.01%(3.5)0.23%
Mann Mortgage0.01%(3.5)0.23%
Home Point Financial Corporation0.01%(3.5)0.23%
1st Security Bank0.01%(3.5)0.90%
Summit Funding Inc0.01%(3.5)0.23%
loanDepot0.01%(3.5)3.83%
Evergreen Moneysource Mortgage Company0.02%(3.5)1.35%
Fairway Independent Mortgage Corporation0.02%(3.5)4.28%
PrimeLending0.02%(3.5)0.90%
Premier Mortgage Resources0.02%(3.5)0.45%
HomeStreet Bank0.02%(3.5)1.13%
AmCap Home Loans0.03%(3.5)0.45%
Wells Fargo Bank0.03%(3.5)0.68%
New American Funding0.03%(3.5)1.13%
Amerisave Mortgage Corporation0.03%(3.5)0.90%
Bay Equity Home Loans0.03%(3.5)1.58%
Cardinal Financial Company0.03%(3.5)2.25%
Mr. Cooper0.04%(3.5)4.50%
Freedom Mortgage Corporation0.05%(3.0)4.05%
Axia Home Loans0.05%(3.0)0.90%
Lakeview Loan Servicing0.08%(3.0)6.98%
Nations Lending Corporation0.09%(3.0)2.70%
Academy Mortgage Corporation Utah0.10%(3.0)5.41%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.03%(3.5)11.02%
Bank of America-0.02%(3.5)8.47%
Washington State Employees Credit Union-0.02%(3.5)14.41%
Boeing Employees’ Credit Union-0.01%(3.5)4.24%
US Bank-0.01%(3.5)4.24%
KeyBank0.00%(3.5)8.47%
HomeBridge Financial Services0.00%(3.5)0.85%
Quicken Loans0.00%(3.5)5.93%
American Pacific Mortgage0.00%(3.5)0.85%
Flagstar Bank0.01%(3.5)1.69%
loanDepot0.01%(3.5)1.69%
USAA0.01%(3.5)0.85%
Bay Equity Home Loans0.01%(3.5)0.85%
Primary Residential Mortgage Inc0.01%(3.5)1.69%
JPMorgan Chase Bank0.01%(3.5)5.93%
Movement Mortgage0.01%(3.5)3.39%
Finance of America Mortgage0.01%(3.5)1.69%
Umpqua Bank0.01%(3.5)2.54%
Evergreen Moneysource Mortgage Company0.02%(3.5)0.85%
Fairway Independent Mortgage Corporation0.02%(3.5)1.69%
PrimeLending0.02%(3.5)0.85%
Axia Home Loans0.02%(3.5)0.85%
HomeStreet Bank0.03%(3.5)2.54%
Guild Mortgage Company0.03%(3.5)0.85%
Academy Mortgage Corporation Utah0.03%(3.5)11.02%
Caliber Home Loans0.06%(3.0)2.54%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.04%(3.5)14.71%
Bank of America-0.03%(3.5)10.29%
Boeing Employees’ Credit Union-0.02%(3.5)5.88%
US Bank-0.02%(3.5)4.41%
KeyBank-0.01%(3.5)8.82%
Washington State Employees Credit Union-0.00%(3.5)2.94%
HomeBridge Financial Services0.00%(3.5)1.47%
American Pacific Mortgage0.00%(3.5)1.47%
Flagstar Bank0.01%(3.5)2.94%
Finance of America Mortgage0.01%(3.5)1.47%
JPMorgan Chase Bank0.01%(3.5)8.82%
Bay Equity Home Loans0.01%(3.5)1.47%
loanDepot0.01%(3.5)1.47%
Movement Mortgage0.01%(3.5)4.41%
Evergreen Moneysource Mortgage Company0.01%(3.5)1.47%
Umpqua Bank0.02%(3.5)2.94%
Quicken Loans0.02%(3.5)1.47%
Axia Home Loans0.02%(3.5)1.47%
HomeStreet Bank0.03%(3.5)2.94%
Guild Mortgage Company0.03%(3.5)1.47%
Academy Mortgage Corporation Utah0.03%(3.5)13.24%
Caliber Home Loans0.06%(3.0)4.41%
Lender NameRate DifferenceRate RatingMarket Share
Washington State Employees Credit Union-0.02%(3.5)30.00%
Bank of America-0.01%(3.5)6.00%
Wells Fargo Bank-0.01%(3.5)6.00%
Quicken Loans-0.00%(3.5)12.00%
loanDepot0.00%(3.5)2.00%
US Bank0.01%(3.5)4.00%
USAA0.01%(3.5)2.00%
Umpqua Bank0.01%(3.5)2.00%
KeyBank0.01%(3.5)8.00%
Primary Residential Mortgage Inc0.01%(3.5)4.00%
Movement Mortgage0.01%(3.5)2.00%
Boeing Employees’ Credit Union0.02%(3.5)2.00%
Fairway Independent Mortgage Corporation0.02%(3.5)4.00%
PrimeLending0.02%(3.5)2.00%
Finance of America Mortgage0.02%(3.5)2.00%
HomeStreet Bank0.03%(3.5)2.00%
JPMorgan Chase Bank0.04%(3.5)2.00%
Academy Mortgage Corporation Utah0.04%(3.5)8.00%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.36%(5.0)5.03%
USAA-0.14%(4.0)6.85%
Lakeview Loan Servicing-0.14%(4.0)1.86%
Inspire Home Loans-0.13%(4.0)0.69%
Caliber Home Loans-0.12%(4.0)5.92%
PennyMac Loan Services-0.11%(4.0)4.34%
NBKC Bank-0.09%(4.0)0.93%
Keller Mortgage-0.08%(4.0)0.34%
DHI Mortgage Company Limited-0.05%(4.0)1.93%
loanDepot-0.04%(3.5)4.17%
Wells Fargo Bank-0.04%(3.5)1.10%
Planet Home Lending-0.03%(3.5)0.59%
HomeBridge Financial Services-0.03%(3.5)1.27%
Amerisave Mortgage Corporation-0.03%(3.5)0.45%
Sound Credit Union-0.02%(3.5)0.14%
Movement Mortgage-0.02%(3.5)2.20%
Boeing Employees’ Credit Union-0.02%(3.5)0.10%
Home Point Financial Corporation-0.01%(3.5)1.03%
PRMG Mortgage-0.01%(3.5)1.76%
US Bank-0.01%(3.5)0.17%
Bank of America-0.01%(3.5)0.07%
Flagstar Bank-0.01%(3.5)3.72%
Washington State Employees Credit Union-0.00%(3.5)0.17%
FBC Mortgage0.00%(3.5)0.45%
Summit Funding Inc0.00%(3.5)0.31%
Fairway Independent Mortgage Corporation0.01%(3.5)11.50%
NewRez0.01%(3.5)0.55%
Umpqua Bank0.01%(3.5)0.34%
LeaderOne Financial Corporation0.03%(3.5)0.21%
JPMorgan Chase Bank0.03%(3.5)0.10%
KeyBank0.03%(3.5)0.03%
New American Funding0.03%(3.5)1.20%
Mann Mortgage0.03%(3.5)0.28%
Axia Home Loans0.03%(3.5)0.86%
Nations Lending Corporation0.05%(3.5)0.24%
American Pacific Mortgage0.05%(3.5)1.86%
Premier Mortgage Resources0.05%(3.5)1.03%
Primary Residential Mortgage Inc0.05%(3.0)0.90%
PrimeLending0.05%(3.0)0.62%
Guild Mortgage Company0.05%(3.0)4.61%
1st Security Bank0.06%(3.0)0.55%
Bay Equity Home Loans0.06%(3.0)1.24%
Finance of America Mortgage0.07%(3.0)0.45%
On Q Financial0.07%(3.0)0.14%
HomeStreet Bank0.08%(3.0)0.96%
Cardinal Financial Company0.08%(3.0)0.96%
Academy Mortgage Corporation Utah0.10%(3.0)6.13%
AmCap Home Loans0.10%(3.0)0.69%
Evergreen Moneysource Mortgage Company0.12%(3.0)3.24%
Mr. Cooper0.12%(3.0)0.90%
Mortgage Solutions Financial0.13%(3.0)0.93%
The Federal Savings Bank0.13%(3.0)2.82%
Quicken Loans0.14%(3.0)4.41%
Freedom Mortgage Corporation0.15%(2.5)2.17%
Carrington Mortgage Services0.20%(2.5)2.89%
NewDay USA0.49%(1.0)1.62%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.40%(5.0)9.12%
USAA-0.13%(4.0)9.19%
Inspire Home Loans-0.12%(4.0)1.39%
NBKC Bank-0.11%(4.0)1.18%
Wells Fargo Bank-0.10%(4.0)1.60%
Keller Mortgage-0.07%(4.0)0.70%
DHI Mortgage Company Limited-0.05%(4.0)3.90%
HomeBridge Financial Services-0.05%(3.5)1.11%
Quicken Loans-0.05%(3.5)1.88%
PennyMac Loan Services-0.04%(3.5)0.35%
Freedom Mortgage Corporation-0.02%(3.5)0.63%
NewRez-0.02%(3.5)0.49%
Home Point Financial Corporation-0.02%(3.5)0.14%
Washington State Employees Credit Union-0.02%(3.5)0.14%
Sound Credit Union-0.01%(3.5)0.07%
Boeing Employees’ Credit Union-0.01%(3.5)0.21%
US Bank-0.01%(3.5)0.28%
Bank of America-0.01%(3.5)0.14%
Planet Home Lending-0.00%(3.5)0.07%
Summit Funding Inc0.01%(3.5)0.49%
NewDay USA0.01%(3.5)0.14%
Caliber Home Loans0.01%(3.5)3.62%
The Federal Savings Bank0.01%(3.5)0.14%
FBC Mortgage0.01%(3.5)0.63%
Movement Mortgage0.02%(3.5)2.23%
LeaderOne Financial Corporation0.02%(3.5)0.14%
JPMorgan Chase Bank0.03%(3.5)0.14%
Flagstar Bank0.03%(3.5)3.27%
Umpqua Bank0.04%(3.5)0.35%
Axia Home Loans0.04%(3.5)1.60%
Primary Residential Mortgage Inc0.04%(3.5)1.18%
American Pacific Mortgage0.05%(3.0)2.58%
PrimeLending0.05%(3.0)0.84%
PRMG Mortgage0.06%(3.0)1.67%
Bay Equity Home Loans0.06%(3.0)1.74%
Mann Mortgage0.06%(3.0)0.28%
1st Security Bank0.06%(3.0)0.77%
Premier Mortgage Resources0.06%(3.0)1.67%
New American Funding0.07%(3.0)0.91%
HomeStreet Bank0.07%(3.0)1.18%
On Q Financial0.07%(3.0)0.28%
Fairway Independent Mortgage Corporation0.08%(3.0)16.16%
Finance of America Mortgage0.08%(3.0)0.77%
Mr. Cooper0.09%(3.0)0.56%
Cardinal Financial Company0.09%(3.0)0.97%
Academy Mortgage Corporation Utah0.10%(3.0)8.43%
Guild Mortgage Company0.11%(3.0)4.87%
AmCap Home Loans0.13%(3.0)0.97%
Evergreen Moneysource Mortgage Company0.14%(3.0)4.32%
Mortgage Solutions Financial0.21%(2.5)0.63%
loanDepot0.25%(2.5)1.95%
Carrington Mortgage Services0.31%(2.0)1.95%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.17%(4.5)8.17%
Fairway Independent Mortgage Corporation-0.15%(4.5)6.94%
USAA-0.15%(4.0)4.56%
Lakeview Loan Servicing-0.14%(4.0)3.68%
loanDepot-0.13%(4.0)6.33%
PennyMac Loan Services-0.12%(4.0)8.24%
PRMG Mortgage-0.07%(4.0)1.84%
Movement Mortgage-0.05%(4.0)2.18%
NBKC Bank-0.05%(3.5)0.68%
Navy Federal Credit Union-0.04%(3.5)1.02%
Planet Home Lending-0.04%(3.5)1.09%
Flagstar Bank-0.04%(3.5)4.15%
Amerisave Mortgage Corporation-0.03%(3.5)0.88%
Sound Credit Union-0.03%(3.5)0.20%
HomeBridge Financial Services-0.02%(3.5)1.43%
FBC Mortgage-0.02%(3.5)0.27%
Home Point Financial Corporation-0.02%(3.5)1.91%
Umpqua Bank-0.01%(3.5)0.34%
Guild Mortgage Company-0.01%(3.5)4.36%
US Bank-0.00%(3.5)0.07%
Summit Funding Inc-0.00%(3.5)0.14%
Premier Mortgage Resources0.00%(3.5)0.41%
Washington State Employees Credit Union0.00%(3.5)0.20%
Mann Mortgage0.00%(3.5)0.27%
New American Funding0.01%(3.5)1.50%
Axia Home Loans0.01%(3.5)0.14%
Finance of America Mortgage0.01%(3.5)0.14%
NewRez0.02%(3.5)0.61%
KeyBank0.03%(3.5)0.07%
LeaderOne Financial Corporation0.03%(3.5)0.27%
JPMorgan Chase Bank0.03%(3.5)0.07%
AmCap Home Loans0.04%(3.5)0.41%
American Pacific Mortgage0.04%(3.5)1.16%
Nations Lending Corporation0.05%(3.5)0.48%
PrimeLending0.05%(3.5)0.41%
1st Security Bank0.06%(3.0)0.34%
Primary Residential Mortgage Inc0.06%(3.0)0.61%
Evergreen Moneysource Mortgage Company0.07%(3.0)2.18%
Cardinal Financial Company0.08%(3.0)0.95%
HomeStreet Bank0.08%(3.0)0.75%
Bay Equity Home Loans0.08%(3.0)0.75%
Mortgage Solutions Financial0.08%(3.0)1.23%
Academy Mortgage Corporation Utah0.10%(3.0)3.88%
Wells Fargo Bank0.12%(3.0)0.61%
The Federal Savings Bank0.13%(3.0)5.45%
Mr. Cooper0.14%(3.0)1.23%
Carrington Mortgage Services0.15%(3.0)3.81%
Freedom Mortgage Corporation0.18%(2.5)3.68%
Quicken Loans0.19%(2.5)6.88%
NewDay USA0.51%(1.0)3.06%

* Data is compiled for the Lacey, WA commuting zone area, which comprises of counties of Lewis County, WA, Mason County, WA, and Thurston County, WA. This includes cities/towns/communities of Lacey, WA as well as Olympia, WA, Tumwater, WA, Yelm, WA, Shelton, WA, Centralia, WA, Tenino, WA, Onalaska, WA, Allyn, WA, Napavine, WA, Grand Mound, WA, Belfair, WA, Union, WA, Chehalis, WA, Winlock, WA, Rochester, WA, Rainier, WA, Tanglewilde, WA, Hoodsport, WA, Mossyrock, WA, Toledo, WA, Packwood, WA, Morton, WA, Nisqually Indian Community, WA, and Skokomish, WA. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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