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Sammamish Mortgage Company

Independent Mortgage Company•Fall City, WAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Sammamish Mortgage Company — 820 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · VA · Jumbo
Place
Strong
4/5
Regional · 9 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
VA Superstar
VA
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and VA and Jumbo loans

Explore another lender or local market

Report Card

Sammamish Mortgage Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+0.1 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
765 loans · 0.01% above market
Strong
Top 40% of lenders
4/5
VA
37 loans · 0.52% below market
Strong
Top 40% of lenders
4/5
Jumbo
18 loans · 0.25% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
711 loans · 0.01% below market
Strong
Top 40% of lenders
4/5
Refinance
109 loans · 0.04% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 10 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume765
Mix93.3%
Spread
+0.011%Above
Fees
$1,003Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume37
Mix4.5%
Spread
-0.522%Below
Fees
$1,192Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing—
Pull Through
Sound
Volume18
Mix2.2%
Spread
+0.254%Above
Fees
$759Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume711
Mix86.7%
Spread
-0.006%Below
Fees
$1,205Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume109
Mix13.3%
Spread
+0.044%Above
Fees
$302Credit

At a Glance

Lender Overview

Lending Activity
Loans Originated
820
Applications
1,148
Volume
$466 million
Pricing & Closing
Avg Rate Spread
+0.001%
vs. market APOR
Avg Net Fees
$1,003
Origination − Credits
Pullthrough Rate
71.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$568,902
Avg Borrower Income
$216,960
Avg Property Value
$822,610

Geographic Coverage

Geographic Performance

Metro Areas
9
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

5Full-year 2024 · HMDA
5 states with loan originations
Loans originated
< 1010–2020–100100+None
West5
CACOIDORWA

Top Metro Areas by Place Specialization Score

1© Dietmar Rabich · CC BY-SA 4.0
Seattle, WAMetro
Volume 395Mix 48.17% of portfolio
89/100
Exceptional
2© SounderBruce · CC BY-SA 4.0
Everett, WAMetro
Volume 88Mix 10.73% of portfolio
77/100
Strong
3© Broran28 · Public domain
Tacoma, WAMetro
Volume 57Mix 6.95% of portfolio
69/100
Strong
4© Seasider53 · CC BY 4.0
Portland, OR-WAMetro
Volume 97Mix 11.83% of portfolio
68/100
Strong
5© Joe Mabel · CC BY-SA 3.0
Bremerton, WAMetro
Volume 28Mix 3.41% of portfolio
62/100
Strong
6© Ethan from Scottsdale · CC BY 2.0
Spokane, WAMetro
Volume 14Mix 1.71% of portfolio
47/100
Sound
7© Joe Mabel · CC BY-SA 3.0
Olympia, WAMetro
Volume 11Mix 1.34% of portfolio
44/100
Sound
8© Joe Mabel · CC BY-SA 3.0
Wenatchee, WAMetro
Volume 10Mix 1.22% of portfolio
44/100
Sound
9© Robert Ashworth from Bellingham, WA., USA · CC BY 2.0
Bellingham, WAMetro
Volume 11Mix 1.34% of portfolio
44/100
Sound

Top States by Place Specialization Score

Washington
Washington
1
WashingtonState
Volume 677Mix 82.56% of portfolio
89/100
Exceptional
Oregon
Oregon
2
OregonState
Volume 111Mix 13.54% of portfolio
68/100
Strong
Idaho
Idaho
3
IdahoState
Volume 15Mix 1.83% of portfolio
44/100
Sound
California
California
4
CaliforniaState
Volume 14Mix 1.71% of portfolio
38/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.