The Lenders Community Survey gathers homeowners feedback and 109 lenders recommendations for Washington home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 1, 2025
<< Human Powered Recommendations >>
Washington Top Lenders for Home Refinance Loans
Seattle, Spokane, Tacoma, Vancouver, Bellevue, Kent, Everett, Spokane Valley, Renton, Federal Way, Yakima, Bellingham, Online lenders.
Recommendations are gathered from 1,130 members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Washington Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Washington Homeowners.
Seattle – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Seattle’s area are Guild Mortgage, BECU and CrossCountry Mortgage.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Guild Mortgage | Lender | 4.5 | 4.5 | 5.0 | 95% |
| Boeing Employees CU | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| CrossCountry Mortgage | Lender | 4.0 | 4.5 | 4.5 | 91% |
| Umpqua Bank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| First Interstate Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Washington Trust Bank | Community Bank | 3.5 | 4.0 | 4.0 | 83% |
| OnPoint Community Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 80% |
| HomeStreet Bank | Bank | 3.0 | 3.5 | 3.5 | 78% |
| KeyBank | Bank | 3.0 | 3.5 | 3.0 | 75% |
| Sterling Bank | Community Bank | 3.0 | 3.0 | 3.0 | 70% |
Spokane – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Spokane’s area are Washington Trust Bank, BECU and Guild Mortgage.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Washington Trust Bank | Community Bank | 4.5 | 4.5 | 5.0 | 94% |
| BECU | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Guild Mortgage | Bank | 4.0 | 4.5 | 4.5 | 90% |
| Washington State Employees CU | Credit Union | 4.0 | 4.0 | 4.5 | 88% |
| First Interstate Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Numerica Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 83% |
| Columbia Bank | Community Bank | 3.5 | 3.5 | 3.5 | 80% |
| Umpqua Bank | Bank | 3.0 | 3.5 | 3.5 | 78% |
| Spokane Teachers Credit Union | Credit Union | 3.0 | 3.5 | 3.0 | 76% |
| Sterling Bank | Community Bank | 3.0 | 3.0 | 3.0 | 70% |
Tacoma – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Tacoma’s area are Columbia Bank, Guild Mortgage and BECU.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Columbia Bank | Community Bank | 4.5 | 4.5 | 5.0 | 95% |
| Guild Mortgage | Lender | 4.5 | 4.5 | 4.5 | 93% |
| BECU | Credit Union | 4.0 | 4.5 | 4.5 | 91% |
| First Interstate Bank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Umpqua Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| HomeStreet Bank | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Washington Trust Bank | Community Bank | 3.5 | 3.5 | 3.5 | 80% |
| Sterling Bank | Community Bank | 3.0 | 3.5 | 3.5 | 78% |
| WSECU | Credit Union | 3.0 | 3.5 | 3.0 | 75% |
| KeyBank | Bank | 3.0 | 3.0 | 3.0 | 70% |
Vancouver – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Vancouver’s area are Columbia Credit Union, Guild Mortgage and First Interstate Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Columbia Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 95% |
| Guild Mortgage | Lender | 4.5 | 4.5 | 4.5 | 92% |
| First Interstate Bank | Bank | 4.0 | 4.5 | 4.5 | 90% |
| Umpqua Bank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| OnPoint Community Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 85% |
| Washington Trust Bank | Community Bank | 3.5 | 4.0 | 4.0 | 83% |
| Sterling Bank | Community Bank | 3.5 | 3.5 | 3.5 | 80% |
| HomeStreet Bank | Bank | 3.0 | 3.5 | 3.5 | 78% |
| KeyBank | Bank | 3.0 | 3.5 | 3.0 | 75% |
| Banner Bank | Community Bank | 3.0 | 3.0 | 3.0 | 70% |
Bellevue – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Bellevue’s area are BECU (Boeing Employees Credit Union), Washington Trust Bank and First Tech Federal Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Boeing Employees CU | Credit Union | 4.5 | 4.5 | 5.0 | 95% |
| Washington Trust Bank | Community Bank | 4.5 | 4.5 | 4.5 | 93% |
| First Tech Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| HomeStreet Bank | Bank | 4.0 | 4.5 | 4.5 | 90% |
| Columbia Bank | Community Bank | 4.0 | 4.0 | 4.5 | 88% |
| Umpqua Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| First Interstate Bank | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Sterling Bank | Community Bank | 3.5 | 3.5 | 3.5 | 80% |
| Seattle Bank | Community Bank | 3.0 | 3.5 | 3.5 | 78% |
| KeyBank | Bank | 3.0 | 3.0 | 3.0 | 75% |
Kent – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Kent’s area are BECU, Guild Mortgage and Columbia Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| BECU | Credit Union | 4.5 | 4.5 | 5.0 | 95% |
| Guild Mortgage | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Columbia Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| First Financial Northwest Bank | Community Bank | 4.0 | 4.0 | 4.5 | 88% |
| Umpqua Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| HomeStreet Bank | Bank | 3.5 | 4.0 | 4.0 | 82% |
| KeyBank | Bank | 3.5 | 3.5 | 3.5 | 80% |
Everett – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Everett’s area are Guild Mortgage, BECU and Mountain Pacific Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Guild Mortgage | Bank | 4.5 | 4.5 | 5.0 | 95% |
| BECU | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| Mountain Pacific Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| Everett Bank | Community Bank | 4.0 | 4.0 | 4.5 | 88% |
| Columbia Bank | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| Umpqua Bank | Bank | 3.5 | 4.0 | 4.0 | 83% |
| HomeStreet Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
Spokane Valley – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Spokane Valley’s area are STCU, Guild Mortgage and Washington Trust Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Spokane Teachers Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 96% |
| Guild Mortgage | Lender | 4.5 | 4.5 | 4.5 | 94% |
| Washington Trust Bank | Community Bank | 4.0 | 4.5 | 4.5 | 91% |
| Banner Bank | Community Bank | 4.0 | 4.0 | 4.5 | 89% |
| Umpqua Bank | Bank | 4.0 | 4.0 | 4.0 | 86% |
| First Interstate Bank | Bank | 3.5 | 4.0 | 4.0 | 84% |
| Global Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 81% |
Renton – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Renton’s area are BECU, Columbia Bank and Banner Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Boeing Employees Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 95% |
| Columbia Bank | Community Bank | 4.5 | 4.5 | 4.5 | 93% |
| Banner Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| Chase Bank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Umpqua Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| KeyBank | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Bank of America | Bank | 3.5 | 3.5 | 3.5 | 80% |
Federal Way – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Federal Way’s area are BECU, Guild Mortgage and Columbia Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| BECU | Credit Union | 4.5 | 4.5 | 5.0 | 96% |
| Guild Mortgage | Lender | 4.5 | 4.5 | 4.5 | 94% |
| Columbia Bank | Community Bank | 4.0 | 4.5 | 4.5 | 91% |
| First Financial Northwest Bank | Community Bank | 4.0 | 4.0 | 4.5 | 89% |
| Umpqua Bank | Bank | 4.0 | 4.0 | 4.0 | 86% |
| HomeStreet Bank | Bank | 3.5 | 4.0 | 4.0 | 84% |
| KeyBank | Bank | 3.5 | 3.5 | 3.5 | 81% |
Yakima – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Yakima’s area are Yakima Federal Savings & Loan, Gesa Credit Union and Guild Mortgage.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Yakima Federal Savings & Loan | Community Bank | 4.5 | 4.5 | 5.0 | 96% |
| Gesa Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| Guild Mortgage | Lender | 4.0 | 4.5 | 4.5 | 91% |
| Umpqua Bank | Bank | 4.0 | 4.0 | 4.5 | 89% |
| Columbia Bank | Community Bank | 4.0 | 4.0 | 4.0 | 86% |
| Banner Bank | Community Bank | 3.5 | 4.0 | 4.0 | 84% |
| First Interstate Bank | Bank | 3.5 | 3.5 | 3.5 | 81% |
Bellingham – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Bellingham’s area are WECU, Peoples Bank and Guild Mortgage.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Whatcom Educational Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 96% |
| Peoples Bank | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| Guild Mortgage | Lender | 4.0 | 4.5 | 4.5 | 91% |
| Bank of the Pacific | Community Bank | 4.0 | 4.0 | 4.5 | 89% |
| Umpqua Bank | Bank | 4.0 | 4.0 | 4.0 | 86% |
| First Interstate Bank | Bank | 3.5 | 4.0 | 4.0 | 84% |
| Columbia Bank | Community Bank | 3.5 | 3.5 | 3.5 | 81% |
Best Online Washington Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in Washington are Rocket Mortgage, Better Mortgage and loanDepot.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | Up to $3M | 6.375%-7.395% | 8-30 years | 5.0 | 4.5 | 4.5 | 95% |
| Better Mortgage | Up to $2M | 6.044%-7.624% | 15-30 years | 4.5 | 4.5 | 4.0 | 92% |
| LoanDepot | Up to $3M | 5.976%-7.147% | 15-30 years | 4.5 | 4.0 | 4.0 | 90% |
| Nationwide | Up to $5M | 5.750%-7.108% | 10-30 years | 4.0 | 4.5 | 3.5 | 88% |
| Bank of America | Up to $5M | 6.250%-7.586% | 10-30 years | 4.0 | 4.0 | 4.0 | 85% |
| Navy Federal Credit Union | Up to $1.5M | 5.875%-7.375% | 10-30 years | 3.5 | 4.0 | 4.0 | 83% |
| PenFed Credit Union | Up to $1.5M | 6.023%-7.624% | 15-30 years | 3.5 | 3.5 | 3.5 | 80% |
| U.S. Bank | Up to $2.5M | 6.291%-7.108% | 15-30 years | 3.5 | 3.5 | 3.0 | 78% |
| Third Federal Savings | Up to $1M | 6.354%-7.147% | 15-30 years | 3.0 | 3.5 | 3.0 | 75% |
| Carrington Mortgage | Up to $2M | 6.754%-7.624% | 15-30 years | 3.0 | 3.0 | 3.0 | 70% |
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