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Mortgage Lenders and Brokers in Lacey, Washington

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Lacey, Washington mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA808 Sleater Kinney Rd Se, Lacey, WA 98503A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA1010 Sleater Kinney Rd Se, Lacey, WA 98503A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA601 Sleater Kinney Rd Se, Lacey, WA 98503A+5.0 ★Texas Ratio: 4.14%, 1st Security Bank of Washington1st Security Bank of Washington649 Woodland Square Loop Se, Lacey, WA 98503A+5.0 ★Texas Ratio: 4.31%, O Bee Credit UnionO Bee Credit Union8665 Martin Way E, LACEY, WA 98516A5.0 ★Texas Ratio: 9.15%, US Bank, N.A.US Bank, N.A.5520 Martin Way E, Lacey, WA 98516A+5.0 ★Texas Ratio: 2.85%, Timberland BankTimberland Bank1201 Marvin Rd Ne, Lacey, WA 98516A+5.0 ★Texas Ratio: 3.23%, Columbia BankColumbia Bank665 Woodland Square Loop Southeast, Lacey, WA 98503A+5.0 ★Texas Ratio: 2.28%, Heritage BankHeritage Bank4400 Pacific Ave Se, Lacey, WA 98503A+5.0 ★Texas Ratio: 1.04%, and First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust659 Woodland Square Loop Se, Lacey, WA 98503A5.0 ★Texas Ratio: 7.72%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Lacey, Washington in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lacey are listed first, then lenders elsewhere in Washington, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Lacey, Washington

Market share is the lender's share of all home loans closed in Lacey, Washington. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
JPMorgan Chase Bank, NA 2 offices in Lacey 808 Sleater Kinney Rd Se, Lacey, WA 98503 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA	9	0.6%	90.9%	$430,555	View
Wells Fargo Bank NA 2 offices in Lacey 1010 Sleater Kinney Rd Se, Lacey, WA 98503 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	8	0.6%	100%	$355,000	View
Bank of America NA 1 office in Lacey 601 Sleater Kinney Rd Se, Lacey, WA 98503 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	7 +16 HELOCs	0.5%	87.5%	$492,142	View
1st Security Bank of Washington 1 office in Lacey 649 Woodland Square Loop Se, Lacey, WA 98503 A+5.0 ★Texas Ratio: 4.31%	Conventional, FHA, HELOC	7 +1 HELOCs	0.5%	100%	$333,571	View
O Bee Credit Union 8665 Martin Way E, LACEY, WA 98516 A5.0 ★Texas Ratio: 9.15%	Conventional, Jumbo, HELOC	4 +29 HELOCs	0.3%	83.3%	$487,500	View
US Bank, N.A. 1 office in Lacey 5520 Martin Way E, Lacey, WA 98516 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	4 +5 HELOCs	0.3%	50%	$330,000	View
Timberland Bank 2 offices in Lacey 1201 Marvin Rd Ne, Lacey, WA 98516 A+5.0 ★Texas Ratio: 3.23%	Conventional	4	0.3%	100%	$470,000	View
Columbia Bank 1 office in Lacey 665 Woodland Square Loop Southeast, Lacey, WA 98503 A+5.0 ★Texas Ratio: 2.28%	Conventional, HELOC	2 +6 HELOCs	0.1%	100%	$285,000	View
Heritage Bank 1 office in Lacey 4400 Pacific Ave Se, Lacey, WA 98503 A+5.0 ★Texas Ratio: 1.04%	HELOC	0 +6 HELOCs	0%	n/a		View
First Ciitizens Bank and Trust 1 office in Lacey 659 Woodland Square Loop Se, Lacey, WA 98503 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +3 HELOCs	0%	n/a		View
Mechanics Bank 1 office in Lacey 810 Sleater Kinney Rd Se, Lacey, WA 98503 A+5.0 ★Texas Ratio: 1.81%	HELOC	0 +1 HELOCs	0%	n/a		View
Sound Credit Union 1202 Outlet Collection Way SW Ste 107, Auburn, WA 98001 6541 A5.0 ★Texas Ratio: 8.08%	Conventional, HELOC	10 +5 HELOCs	0.7%	76.9%	$137,000	View
Peak Credit Union 4550 AVERY LN SE, LACEY, WA 98503 A5.0 ★Texas Ratio: 7.97%	Conventional, HELOC	9 +48 HELOCs	0.6%	52.9%	$393,888	View
Boeing Employees' Credit Union 1320 Marvin Rd NE STE C, Lacey, WA 98516	Conventional, HELOC	8 +46 HELOCs	0.6%	88.9%	$543,750
America'S Credit Union 601 Sleater Kinney Rd Se, Lacey, WA 98503 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	5 +7 HELOCs	0.4%	100%	$235,000	View
Keybank National Association 100 N Broadway St, Aberdeen, WA 98520 A+5.0 ★Texas Ratio: 4.81%	Conventional, HELOC	5 +3 HELOCs	0.4%	71.4%	$327,000	View
Gesa Credit Union 5363 Auto Center Way, Bremerton, WA 98312 A5.0 ★Texas Ratio: 6.57%	Conventional, HELOC	5 +1 HELOCs	0.4%	83.3%	$297,000	View
Kitsap Credit Union 51 NE State Route 300 Ste D, Belfair, WA 98528 8654 A5.0 ★Texas Ratio: 6.36%	Conventional, VA, HELOC	2 +2 HELOCs	0.1%	50%	$305,000	View
Armed Forces Bank, N.A. Pendleton Avenue and North 12th Street, Fort Lewis, WA 98433 A+5.0 ★Texas Ratio: 4.81%	VA	2	0.1%	100%	$565,000	View
iQ Credit Union 300 W Main St, Battle Ground, WA 98604 4410 A+5.0 ★Texas Ratio: 5.25%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$445,000	View
Cathay Bank 13238 Ne 20th St, Bellevue, WA 98005 A+5.0 ★Texas Ratio: 4.57%	Conventional	1	0.1%	100%	$235,000	View
Columbia Credit Union 665 Woodland Square Loop Southeast, Lacey, WA 98503	Conventional	1	0.1%	100%	$75,000
Sound Community Bank 22807 44th Ave W, Mountlake Terrace, WA 98043 A5.0 ★Texas Ratio: 6.90%	Conventional	1	0.1%	100%	$65,000	View
Sunflower Bank, N.A. 244 W Main Ave, Spokane, WA 99201 A5.0 ★Texas Ratio: 10.77%	VA	1	0.1%	100%	$265,000	View
TAPCO Credit Union 19371 STATE ROUTE 410 E, Bonney Lake, WA 98391 A+5.0 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$105,000	View
Harborstone Credit Union 1445 Galaxy Dr NE, Lacey, WA 98516 4754 A5.0 ★Texas Ratio: 8.21%	HELOC	0 +8 HELOCs	0%	n/a		View
Banner Bank 1400 Commercial Ave, Anacortes, WA 98221 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +3 HELOCs	0%	n/a		View
Coastal Community Bank 525 N Olympic Ave, Arlington, WA 98223 B4.5 ★Texas Ratio: 20.96%	HELOC	0 +3 HELOCs	0%	n/a		View
Spokane Teachers Credit Union 10811 W State Route 2, Airway Heights, WA 99001 5167 A5.0 ★Texas Ratio: 10.05%	HELOC	0 +1 HELOCs	0%	n/a		View
Numerica Credit Union 1210 S Hayford Rd, Airway Heights, WA 99001 A+5.0 ★Texas Ratio: 2.22%	HELOC	0 +1 HELOCs	0%	n/a		View
Wsecu	Conventional, FHA, HELOC	70 +70 HELOCs	5%	74%	$168,428
Evergreen Moneysource Mortgage Company	Conventional, FHA, VA	33	2.4%	94.4%	$380,757
Olympia Federal Savings & Loan	Conventional, Jumbo	19	1.4%	90.9%	$306,052
Sammamish Mortgage Company	Conventional	8	0.6%	100%	$376,250
Basis Home Loans LLC	Conventional	2	0.1%	100%	$805,000
HomeStreet Bank	Conventional, HELOC	1 +5 HELOCs	0.1%	100%	$405,000
Whatcom Educational Credit Uni	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$425,000
Rocket Mortgage	Conventional, FHA, VA, Jumbo	142	10.2%	86.7%	$334,154
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	133 +4 HELOCs	9.6%	88.5%	$477,481
Guild Mortgage Company	Conventional, FHA, VA, Jumbo	105	7.6%	94.2%	$432,904
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	72 +6 HELOCs	5.2%	100%	$469,166
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	58 +5 HELOCs	4.2%	98.6%	$398,448
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, Jumbo, HELOC	46 +2 HELOCs	3.3%	98.1%	$498,695
Mortgage Research Center	Conventional, FHA, VA	44	3.2%	71%	$496,590
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	34	2.4%	84.1%	$400,882
Freedom Mortgage Corporation	Conventional, FHA, VA	32	2.3%	83.3%	$473,437
Newrez LLC	Conventional, FHA, VA, Jumbo	32	2.3%	85%	$466,562
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	27 +15 HELOCs	1.9%	68.3%	$322,407
Fairway Independent Mort Corp	Conventional, FHA, VA	23	1.7%	95.8%	$436,739
Guaranteed Rate, Inc.	Conventional, FHA, VA	19	1.4%	95%	$472,368
New American Funding, LLC.	Conventional, FHA, VA, HELOC	18 +1 HELOCs	1.3%	90%	$302,222
Paramount Residential Mortgage	Conventional, FHA, VA	18	1.3%	100%	$440,555
Nationstar Mortgage	Conventional, VA	17	1.2%	81%	$253,823
Triad Financial Services, Inc.	Conventional	13	0.9%	76.2%	$117,307
Spring Eq, LLC	Conventional, HELOC	11 +2 HELOCs	0.8%	41.4%	$103,181
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA, VA, Jumbo	11	0.8%	100%	$556,818	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	11	0.8%	91.7%	$138,636	View
Cornerstone First Mortgage, LLC	Conventional, FHA, VA	10	0.7%	100%	$333,000
Lakeview Loan Servicing, LLC	Conventional, FHA, VA, Jumbo	10	0.7%	52.2%	$385,000
Bay Equity LLC	Conventional, FHA, VA	10	0.7%	100%	$435,000
Mutual of Omaha Mortgage	Conventional, FHA, VA	10	0.7%	91.7%	$361,000
Mld Mortgage, Inc.Dba the Money Store	Conventional, FHA, VA	10	0.7%	100%	$371,000
The Loan Store, Inc	Conventional, FHA, VA, HELOC	9 +5 HELOCs	0.6%	100%	$391,666
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	9 +3 HELOCs	0.6%	76.9%	$352,777
Premier Mortgage Resources, LLC	Conventional, FHA, VA	9	0.6%	100%	$415,000
Kind Lending, LLC	Conventional, FHA, VA	9	0.6%	75%	$478,333
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	9	0.6%	56.2%	$455,000	View
NOVA Financial & Investment Corporation	Conventional, FHA, VA	8	0.6%	100%	$517,500
Click n' Close, Inc.	Conventional, FHA	6	0.4%	100%	$376,666
Amerisave Mortgage Company	Conventional, VA	5	0.4%	23.8%	$333,000
Credit Human Federal Credit Un	Conventional	5	0.4%	90%	$131,000
Planet Home Lending, LLC	FHA, VA	5	0.4%	100%	$471,000
T2 Financial LLC	Conventional, FHA, VA	5	0.4%	83.3%	$397,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	5	0.4%	62.5%	$419,000	View
Carrington Mortgage Services LLC	FHA, VA	5	0.4%	42.9%	$421,000
Mason-McDuffie Mortgage Corporation	Conventional, FHA, VA	5	0.4%	100%	$357,000
Village Capital & Investment	VA	5	0.4%	80%	$497,000
Global Federal Credit Union	Conventional, FHA, HELOC	4 +2 HELOCs	0.3%	66.7%	$282,500
Originpoint, LLC	Conventional, VA	4	0.3%	100%	$452,500
American Financial Resources LLC	Conventional, FHA	4	0.3%	100%	$460,000
Primelending	Conventional, VA	4	0.3%	100%	$432,500
Envoy Mortgage, Ltd	Conventional, VA	4	0.3%	100%	$357,500
Nbkc Bank	Conventional	4	0.3%	80%	$487,500
PHH Mortgage Corporation	Conventional, VA	4	0.3%	100%	$397,500
American Financial Network, Inc.	FHA, VA	4	0.3%	100%	$500,000
Sun West Mortgage Company, Inc	VA	4	0.3%	100%	$410,000
Provident Funding Associates	Conventional	4	0.3%	100%	$520,000
American Pacific Mortgage Corporation	Conventional, FHA, VA	4	0.3%	100%	$462,500
Zillow Home Loans, LLC	Conventional, VA	4	0.3%	100%	$495,000
Tomo Mortgage LLC	Conventional	4	0.3%	100%	$440,000
Resicentral LLC	Conventional, VA	3	0.2%	100%	$505,000
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	2	0.1%	100%	$490,000
Canopy Mortgage, LLC A5.0 ★Texas Ratio: 6.81%	Conventional	2	0.1%	100%	$510,000	View
Loanunited.Com, LLC	Conventional, VA	2	0.1%	100%	$405,000
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional	2	0.1%	100%	$480,000	View
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, VA	2	0.1%	100%	$600,000	View
Discover Bank	Conventional	2	0.1%	28.6%	$90,000
Intercap Lending Inc	Conventional, FHA	2	0.1%	100%	$160,000
Union Home Mortgage Corp.	Conventional, VA	2	0.1%	100%	$235,000
Ameritrust Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$400,000
New Day Financial, LLC.	VA	2	0.1%	33.3%	$530,000
Prosperity Home Mortgage, LLC	VA	2	0.1%	66.7%	$435,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	2	0.1%	50%	$170,000	View
Plaza Home Mortgage, Inc	Conventional, FHA	2	0.1%	100%	$310,000
JMAC Lending, Inc.	FHA, VA	2	0.1%	100%	$510,000
Goodleap, LLC	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$225,000
Pentagon Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$65,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$35,000	View
Alliant Credit Union	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$705,000
Service Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$105,000
Northrop Grumman Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$335,000
PNC Bank N.A. ★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$395,000	View
ML Mortgage Corp.	VA	1	0.1%	100%	$415,000
American Mortgage Bank A+5.0 ★Texas Ratio: 4.14%	VA	1	0.1%	100%	$665,000	View
Rivermark Community Credit Union A5.0 ★Texas Ratio: 9.96%	Conventional	1	0.1%	100%	$435,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$655,000	View
OnPoint Community Credit Union A+5.0 ★Texas Ratio: 4.12%	Conventional	1	0.1%	100%	$445,000
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	Conventional	1	0.1%	100%	$455,000	View
Go Mortgage, LLC	FHA	1	0.1%	100%	$495,000
Residential Mortgage, LLC A-4.9 ★Texas Ratio: 16.48%	FHA	1	0.1%	100%	$505,000	View
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$265,000
All Credit Considered Mortgage, Inc.	Conventional, Jumbo	1	0.1%	100%	$855,000
Equity Prime Mortgage LLC	VA	1	0.1%	100%	$415,000
Directors Mortgage, Inc	Conventional	1	0.1%	100%	$185,000
Golden Empire Mortgage, Inc.	Conventional	1	0.1%	100%	$285,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA	1	0.1%	100%	$425,000	View
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$245,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$745,000	View
Homestead Funding Corp.	Conventional	1	0.1%	100%	$205,000
Greenwood Credit Union	Conventional	1	0.1%	100%	$95,000
Network Capital Funding Corporation	VA	1	0.1%	100%	$775,000
American Financing Corporation	Conventional	1	0.1%	33.3%	$85,000
Legend Lending Corporation	Conventional	1	0.1%	100%	$375,000
Greenbox Loans	Conventional	1	0.1%	100%	$755,000
Calcon Mutual Mortgage LLC	FHA	1	0.1%	100%	$545,000
Nfm, Inc	Conventional	1	0.1%	100%	$285,000
Mortgage Express A5.0 ★Texas Ratio: 9.52%	VA	1	0.1%	100%	$445,000	View
Stg Mortgage Inc	FHA	1	0.1%	100%	$535,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	FHA	1	0.1%	100%	$415,000	View
Summit Mortgage Corporation	Conventional	1	0.1%	100%	$485,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	VA	1	0.1%	100%	$575,000	View
BoxCar Mortgage, LLC	VA	1	0.1%	100%	$555,000
Hometown Equity Mortgage, LLC	FHA	1	0.1%	100%	$375,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$295,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0.1%	100%	$475,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	VA	1	0.1%	100%	$555,000	View
Megastar Finanacial Corp	Conventional	1	0.1%	100%	$475,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$225,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	1	0.1%	33.3%	$1,355,000	View
Mortgage Solutions of Colorado	Conventional	1	0.1%	66.7%	$245,000
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$615,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$95,000	View
Lower, LLC	VA	1	0.1%	100%	$345,000
Right Start Mortgage, Inc	Conventional	1	0.1%	100%	$455,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	VA	1	0.1%	100%	$665,000	View
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0.1%	100%	$535,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$535,000	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$755,000	View
Toyota Financial Savings Bank	Conventional	1	0.1%	100%	$405,000
Nexera Holding LLC	Conventional	1	0.1%	100%	$495,000
Texana Bank	VA	1	0.1%	100%	$455,000
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0.1%	100%	$415,000	View
Leaderone Financial Corp.	Conventional	1	0.1%	100%	$365,000
Old Second National Bank A5.0 ★Texas Ratio: 6.17%	Conventional	1	0.1%	100%	$115,000	View
Figure Lending LLC A+5.0 ★Texas Ratio: 4.66%	HELOC	0 +9 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +6 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +4 HELOCs	0%	0%
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
WSFS bank A+5.0 ★Texas Ratio: 3.10%	HELOC	0 +1 HELOCs	0%	n/a		View
Idaho Central Credit Union	HELOC	0 +1 HELOCs	0%	0%

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Lacey Mortgage Rate Trends

Daily average mortgage rates for Washington compared with the national average, updated every evening.

30-Year Fixed WA Avg

7.497%

▲ 0.070 vs 7 days ago

15-Year Fixed WA Avg

7.029%

▲ 0.067 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Lacey, Washington

Looking for mortgage lenders near me or mortgage brokers near me in Lacey? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lacey in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Lacey, WA

Use these to narrow the list above. Each category shows how many Lacey, WA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 93 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 51 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 27 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 49 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 68 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 14 lenders. Loans above the conforming limit for higher priced homes Local lenders based in WA 26 lenders headquartered in Washington, the closest thing to a mortgage lender near you

Who Lends in Lacey, WA

Independent mortgage companies closed 78.2 percent of home loans in Lacey, Washington in 2025, banks 10.3 percent and credit unions 11.5 percent. Evergreen Moneysource Mortgage Company was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and O Bee Credit Union the largest credit union. Among lenders headquartered in Washington, 1st Security Bank of Washington led with 7 loans.

78.2%

Mortgage companies

10.3%

Banks

11.5%

Credit unions

10%

FHA loans

34%

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Washington. Graduated state real estate excise tax paid by the seller: 1.1 percent up to $525,000, 1.28 percent from $525,000 to $1.525 million, 2.75 percent to $3.025 million and 3 percent above, plus local REET usually 0.25 to 0.5 percent; no mortgage tax.

More Washington Mortgage Lender Pages

All Washington lenders 631 lenders Seattle 303 lenders Spokane 216 lenders Tacoma 226 lenders Vancouver 223 lenders Spokane Valley 174 lenders Bellevue 158 lenders Kennewick 154 lenders Marysville 145 lenders Kirkland 145 lenders Pasco 127 lenders Kent 175 lenders South Hill 170 lenders

Frequently Asked Questions About Mortgage Lenders in Lacey, WA

Who is the largest mortgage lender in Lacey, WA?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Lacey, Washington with 9 loans, about 0.6 percent of the market. The largest lender headquartered in Washington was 1st Security Bank of Washington with 7 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Lacey, WA have the highest approval rates?

Among lenders with meaningful volume in Lacey, Washington, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 84.6 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Lacey, WA mortgage lenders offer FHA, VA and USDA loans?

49 lenders closed FHA loans in Lacey, Washington in 2025, led by United Wholesale Mortgage with 13. 68 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Lacey, WA lender list?

Yes. 51 banks and 27 credit unions closed home loans in Lacey, Washington in 2025, alongside 93 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Lacey, WA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Lacey, Washington during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Lacey, Washington for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Lacey. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.