Which mortgage lender in the Bremerton, 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 Bremerton, 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 Bremerton, WA area in terms of interest rate is Navy Federal Credit Union, with an average “Rate Difference” of -0.18%. This means that, comparing similar borrowers, Navy Federal Credit Union provided a -0.18% lower interest rate for its customers than other lenders in the area. Navy Federal Credit Union has a market share of 5.2%. On the other hand, the most popular lender in the Bremerton, WA area is Evergreen Moneysource Mortgage Company, with a larger market share of 11.9%. Evergreen Moneysource Mortgage Company is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.10% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Bremerton, 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 Bremerton, WA is loanDepot. 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 Bremerton, WA
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.10% | 25.85% | |
| Bank of America | -0.07% | 7.80% | |
| US Bank | -0.04% | 4.88% | |
| Boeing Employees’ Credit Union | -0.00% | 4.39% | |
| KeyBank | 0.00% | 3.41% | |
| JPMorgan Chase Bank | 0.00% | 8.29% | |
| Navy Federal Credit Union | 0.02% | 2.44% | |
| Academy Mortgage Corporation Utah | 0.03% | 0.98% | |
| Guild Mortgage Company | 0.03% | 0.98% | |
| Bay Equity Home Loans | 0.03% | 0.49% | |
| Guaranteed Rate | 0.03% | 0.49% | |
| Cardinal Financial Company | 0.04% | 0.49% | |
| Movement Mortgage | 0.04% | 1.95% | |
| American Pacific Mortgage | 0.04% | 0.49% | |
| 1st Security Bank | 0.04% | 0.98% | |
| loanDepot | 0.04% | 2.44% | |
| HomeStreet Bank | 0.04% | 1.95% | |
| Quicken Loans | 0.05% | 1.95% | |
| PrimeLending | 0.05% | 1.46% | |
| NewRez | 0.05% | 0.98% | |
| Flagstar Bank | 0.06% | 1.46% | |
| Sound Community Bank | 0.06% | 0.98% | |
| Cornerstone Home Lending | 0.06% | 5.37% | |
| Fairway Independent Mortgage Corporation | 0.09% | 2.93% | |
| Evergreen Moneysource Mortgage Company | 0.10% | 6.34% | |
| Axia Home Loans | 0.10% | 1.95% | |
| Caliber Home Loans | 0.12% | 8.29% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.06% | 13.91% | |
| Bank of America | -0.04% | 7.83% | |
| JPMorgan Chase Bank | -0.02% | 5.22% | |
| HomeBridge Financial Services | -0.01% | 2.61% | |
| Boeing Employees’ Credit Union | -0.00% | 5.22% | |
| Fairway Independent Mortgage Corporation | -0.00% | 1.74% | |
| NewRez | -0.00% | 0.87% | |
| Wells Fargo Bank | -0.00% | 10.43% | |
| Home Point Financial Corporation | 0.00% | 0.87% | |
| Guaranteed Rate | 0.00% | 0.87% | |
| Cornerstone Home Lending | 0.00% | 3.48% | |
| KeyBank | 0.00% | 3.48% | |
| Primary Residential Mortgage Inc | 0.00% | 0.87% | |
| Finance of America Mortgage | 0.00% | 0.87% | |
| Flagstar Bank | 0.00% | 0.87% | |
| 1st Security Bank | 0.01% | 0.87% | |
| HomeStreet Bank | 0.01% | 3.48% | |
| Navy Federal Credit Union | 0.01% | 1.74% | |
| LendUS LLC | 0.01% | 0.87% | |
| American Pacific Mortgage | 0.01% | 0.87% | |
| Kitsap Credit Union | 0.01% | 0.87% | |
| loanDepot | 0.02% | 3.48% | |
| Evergreen Moneysource Mortgage Company | 0.03% | 3.48% | |
| Quicken Loans | 0.03% | 13.91% | |
| Guild Mortgage Company | 0.03% | 1.74% | |
| Academy Mortgage Corporation Utah | 0.04% | 1.74% | |
| Caliber Home Loans | 0.06% | 7.83% |
* Data is compiled for the Bremerton, WA commuting zone area, which comprises of counties of Clallam County, WA, Jefferson County, WA, and Kitsap County, WA. This includes cities/towns/communities of Bremerton, WA as well as Silverdale, WA, Port Orchard, WA, Bainbridge Island, WA, Port Angeles, WA, Poulsbo, WA, Seabeck, WA, Burley, WA, Southworth, WA, Sequim, WA, East Port Orchard, WA, Manchester, WA, Port Ludlow, WA, Port Townsend, WA, Kingston, WA, Suquamish, WA, Port Hadlock-Irondale, WA, Hansville, WA, Parkwood, WA, Lofall, WA, Jamestown, WA, Carlsborg, WA, Bethel, WA, Navy Yard City, WA, Tracyton, WA, Bell Hill, WA, Chico, WA, Indianola, WA, Enetai, WA, Port Angeles East, WA, Forks, WA, Brinnon, WA, Quilcene, WA, Clallam Bay, WA, and Neah Bay, 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.
Mortgage Lender Rankings in Other Cities
This page contains information about the top mortgage lenders in the Bremerton, WA area. For mortgage lender rankings in other cities, click here.