Highest Rated · Kirkland
Top-Rated Mortgage Brokers in Kirkland, WA
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of May 2026, RatingsNearMe ranks 18 mortgage brokers in Kirkland, WA by verified customer ratings and review volume. The highest-rated is Kevin M. Pennington, Licensed Mortgage Broker with a 5.0-star rating from 209 verified reviews. Also in the top tier: Dan Chapman - Fairway Home Mortgage Corporation and Guild Mortgage Company. The average rating across all listed mortgage brokers in Kirkland is 5 stars from 78 reviews per business on average.
Mortgage brokers in Kirkland: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 16, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
18
Businesses listed
5★
Avg rating
78
Avg reviews
May 16, 2026
Last updated
Top Rated Mortgage Brokers
Kevin M. Pennington, Licensed Mortgage Broker
821 Kirkland Ave Suite 100, Kirkland, WA 98033, USA
Dan Chapman - Fairway Home Mortgage Corporation
4020 Lake Washington Blvd NE #202, Kirkland, WA 98033, USA
Mortgage Brokers Rankings in Kirkland, WA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Kevin M. Pennington, Licensed Mortgage Broker821 Kirkland Ave Suite 100, Kirkland, WA 98033, USA | 5.0★ | 209 |
| #2 | Dan Chapman - Fairway Home Mortgage Corporation4020 Lake Washington Blvd NE #202, Kirkland, WA 98033, USA | 5.0★ | 154 |
| #3 | Guild Mortgage Company105 Central Way #200, Kirkland, WA 98033, USA | 5.0★ | 80 |
| #4 | Washington Discount Mortgage8213 131st Ave NE, Kirkland, WA 98033, USA | 5.0★ | 41 |
| #5 | Josh King | Loan Officer | Movement Mortgage | NMLS 194021411255 Kirkland Way Suite 110, Kirkland, WA 98033, USA | 5.0★ | 27 |
| #6 | Washington First Mortgage821 Kirkland Ave Suite 100, Kirkland, WA 98033, USA | 4.8★ | 153 |
| #7 | Taras Duhnevich, Home Loan Mortgage Advisor1524 Market St Suite 103, Kirkland, WA 98033, USA | 5.0★ | 51 |
| #8 | New American Funding - Kirkland, WA915 118th Ave SE #360, Bellevue, WA 98005, USA | 4.9★ | 143 |
| #9 | LoanZilla6620 Lake Washington Blvd NE APT 302, Kirkland, WA 98033, USA | 5.0★ | 47 |
| #10 | Home Loans by Carrie Haines11255 Kirkland Way Suite 110, Kirkland, WA 98033, USA | 5.0★ | 36 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Kirkland
Washington Discount Mortgage
8213 131st Ave NE, Kirkland, WA 98033, USA
Josh King | Loan Officer | Movement Mortgage | NMLS 1940214
11255 Kirkland Way Suite 110, Kirkland, WA 98033, USA
Washington First Mortgage
821 Kirkland Ave Suite 100, Kirkland, WA 98033, USA
Taras Duhnevich, Home Loan Mortgage Advisor
1524 Market St Suite 103, Kirkland, WA 98033, USA
New American Funding - Kirkland, WA
915 118th Ave SE #360, Bellevue, WA 98005, USA
LoanZilla
6620 Lake Washington Blvd NE APT 302, Kirkland, WA 98033, USA
Home Loans by Carrie Haines
11255 Kirkland Way Suite 110, Kirkland, WA 98033, USA
Ted Andrew Klarich | Fairway Independent Mortgage Corporation Loan Officer
4030 Lake Washington Blvd NE # 210, Kirkland, WA 98033, USA
Popach Lending
5209 Lake Washington Blvd NE #105, Kirkland, WA 98033, USA
Barry Friedman Loans
4020 Lake Washington Blvd NE #202, Kirkland, WA 98033, USA
Alex Louie at Home Trust Financial
135 Lake St S STE 230, Kirkland, WA 98033, USA
Chad Leesburg loanDepot
111 Ave C Suite 101, Snohomish, WA 98290, USA
Pierce Rankin | Fairway Independent Mortgage Corporation Loan Officer
4020 Lake Washington Blvd NE #202, Kirkland, WA 98033, USA
Tyler Hill, Loan Officer NMLS #2051346
135 Lake St S STE 230, Kirkland, WA 98033, USA
Ric Harter-Loan Originator
516 6th St South, Kirkland, WA 98033, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in Kirkland, WA.
Frequently Asked Questions — Mortgage Brokers in Kirkland
What does a mortgage broker do differently than going directly to a bank in Kirkland?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Kirkland?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in WA?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
Mortgage Brokers in Nearby Cities
Compare top-rated mortgage brokers in cities near you.
How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 16, 2026.
More Home Services in Kirkland
Related Searches
More ways to find mortgage brokers in Kirkland
Mortgage Brokers in nearby cities