If you reside in the Pacific Northwest, you might wonder who the top mortgage lenders in Washington State are.
Yes, I’m referring to the state of Washington, not the nation’s capital, the District of Columbia.
Last year, the Evergreen State accounted for about 3% of all home loans, per HMDA data for 2024.
This made it one of the more active of the 50 states, only bettered by the likes of California, Florida, New York, Texas.
As for which company did the most home loan lending in the state, read on to find out.
Top Mortgage Lenders in Washington State (Overall)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $4.1 billion |
| 2. | Rocket Mortgage | $2.6 billion |
| 3. | Movement | $2.2 billion |
| 4. | CMG Mortgage | $2.2 billion |
| 5. | CrossCountry | $2.2 billion |
| 6. | BECU | $2.1 billion |
| 7. | Guild Mortgage | $2.0 billion |
| 8. | U.S. Bank | $1.6 billion |
| 9. | Chase | $1.4 billion |
| 10. | Fairway | $1.2 billion |
As most probably guessed, #1 overall lender United Wholesale Mortgage (UWM) also managed to beat out of the rest of competition in Washington, even Rocket Mortgage.
The Pontiac,Michigan-based mortgage lender funded $4.1 billion in the state of Washington last year, according to HMDA data (latest available) from Richey May.
That was enough to take out the nation’s former number one mortgage lender, Rocket Mortgage, which managed only $2.6 billion.
Coming in third place was South Carolina-based Movement Mortgage with $2.2 billion in home loan volume.
Both CMG Mortgage and CrossCountry Mortgage funded similar amounts taking fourth and fifth.
Others that landed in the top-10 included Seattle’s Boeing Employees Credit Union (BECU), Guild Mortgage, U.S. Bank, Chase, and Fairway Home Mortgage.
So just one of the top 10 lenders in Washington, BECU, is actually based in the state, while Bellevue-based Evergreen Home Loans managed to land in 13th.
Top Mortgage Lenders in Washington State (for Home Purchases)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $2.6 billion |
| 2. | Movement | $2.0 billion |
| 3. | CrossCountry | $1.9 billion |
| 4. | CMG Mortgage | $1.8 billion |
| 5. | Guild Mortgage | $1.8 billion |
| 6. | BECU | $1.6 billion |
| 7. | Rocket Mortgage | $1.5 billion |
| 8. | U.S. Bank | $1.2 billion |
| 9. | Chase | $1.1 billion |
| 10. | Wells Fargo | $1.0 billion |
Now let’s fine-tune the list to only consider home purchase loans, as opposed to both purchase loans and refinances.
This list focuses on mortgages for home buyers instead of existing homeowners. As such, it looks quite a bit different.
UWM still led the way with a strong $2.6 billion in loan origination volume, but Rocket Mortgage fell to 7th place.
In second was Movement Mortgage with $2.0 billion in home purchase loans, followed by CrossCountry with $1.9 billion.
CMG Mortgage and Guild Mortgage took the fourth and fifth spots with $1.8 billion each.
The rest of best included BECU, Rocket Mortgage, U.S. Bank, Chase, and Wells Fargo.
Top Refinance Lenders in Washington State (for Existing Homeowners)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $1.5 billion |
| 2. | Rocket Mortgage | $1.1 billion |
| 3. | Freedom Mortgage | $369 million |
| 4. | BECU | $359 million |
| 5. | U.S. Bank | $315 million |
| 6. | CMG Mortgage | $312 million |
| 7. | Pennymac | $305 million |
| 8. | Newrez | $273 million |
| 9. | Guild Mortgage | $267 million |
| 10. | Movement | $263 million |
We discussed who the top home purchase lenders were, now let’s look at the refinance leaders.
These companies had a strong focus on existing homeowners, helping them snag a lower interest rate via a rate and term refinance. Or pull equity out of their properties via a cash out refinance.
This is where Rocket Mortgage tends to shine, though it could only muster the second spot as UWM once again claimed first.
Third went to Boca Raton-based Freedom Mortgage, while BECU snagged fourth and U.S. Bank fifth.
The bottom half of the top-10 included CMG Mortgage, Pennymac, Newrez, Guild Mortgage, and Movement Mortgage.
No big surprises here as the list consisted of many of the same names from above.
The only newcomer other than Freedom was Pennymac, which is typically acts a correspondent lender as opposed to a retail, consumer-facing one, and Newrez.
Top Mortgage Lenders in Seattle
| Ranking | Company Name | 2024 Loan Volume |
| 1. | BECU | $1.6 billion |
| 2. | UWM | $1.6 billion |
| 3. | Rocket Mortgage | $1.2 billion |
| 4. | Movement | $1.2 billion |
| 5. | U.S. Bank | $1.1 billion |
| 6. | Chase | $1.1 billion |
| 7. | CrossCountry | $1.1 billion |
| 8. | Bank of America | $994 million |
| 9. | Wells Fargo | $969 million |
| 10. | CMG Mortgage | $908 million |
Top Mortgage Lenders in Tacoma
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $588 million |
| 2. | CrossCountry | $408 million |
| 3. | Movement | $384 million |
| 4. | Rocket Mortgage | $322 million |
| 5. | Guild Mortgage | $213 million |
| 6. | Fairway | $203 million |
| 7. | Newrez | $191 million |
| 8. | CMG Mortgage | $178 million |
| 9. | BECU | $165 million |
| 10. | Pennymac | $158 million |
Should You Use One of the Largest Mortgage Lenders in Washington State?
The answer to this question will depend on your personality type. Are you only comfortable working with a big, household name?
Or do you prefer the more boutique-feel of a local credit union or mortgage broker?
It also may depend whether your transaction is a home purchase or a mortgage refinance.
Either way, put in the time to do your due diligence and investigate the company you plan to work with.
Ensure they offer quality service, are competent (can actually fund your loan), and have competitive pricing when it comes to closing costs and mortgage rates.
And even if you’re set on one lender, take the time to gather one or two more quotes to see how they stack up.
The mortgage will likely stay with you for some time, so getting the pricing piece right should be paramount.
(photo: Eric Frommer)
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