10+ Years · Lynnwood
Experienced Mortgage Brokers in Lynnwood, WA
Experience matters. These mortgage brokers in Lynnwood have years of proven work behind them — and the reviews to back it up.
As of July 2026, RatingsNearMe ranks 11 mortgage brokers in Lynnwood, WA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is NFM Lending - Oleg Tkach with a 5.0-star rating from 649 Google reviews and an RNM Score of 88/100. Also in the top tier: Trevor Roberge and Ryan Niles Team at Cornerstone Home Lending. The average rating across all listed mortgage brokers in Lynnwood is 5 stars from 174 reviews per business on average.
Mortgage brokers in Lynnwood: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 5, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Ryan Niles Team at Cornerstone Home Lending
This team is top-ranked for its combination of strong local reputation, personalized service, and consistently positive client feedback.
Most Reviewed
Fairway Independent Mortgage Corporation
A high number of reviews indicates broad experience and reliability, helping consumers gauge overall satisfaction and trustworthiness.
When choosing a mortgage broker in Lynnwood, compare loan options and fees from at least two of these top-ranked brokers, and read recent reviews to ensure they fit your specific financial situation.
Local Market Snapshot
11
Businesses listed
5★
Avg rating
174
Avg reviews
Jul 5, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by hundreds of local clients with a perfect 5.0-star rating.
3400 188th St SW #400, Lynnwood, WA 98037, USALynnwood mortgage broker with a perfect 5.0 rating from over 400 reviews.
3400 188th St SW #101, Lynnwood, WA 98037, USA5.0 stars from over 200 Google reviews, reflecting exceptional client satisfaction.
3500 188th St SW #400, Lynnwood, WA 98037, USAMortgage Brokers Rankings in Lynnwood, WA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | NFM Lending - Oleg Tkach3400 188th St SW #400, Lynnwood, WA 98037, USA | 5.0★ | 649 |
| #2 | Trevor Roberge3400 188th St SW #101, Lynnwood, WA 98037, USA | 5.0★ | 402 |
| #3 | Ryan Niles Team at Cornerstone Home Lending3500 188th St SW #400, Lynnwood, WA 98037, USA | 5.0★ | 217 |
| #4 | Seattle Mortgage Pros4610 200th St SW D, Lynnwood, WA 98036, USA | 5.0★ | 28 |
| #5 | Jeff Miltenberger | NFM Lending | Lynnwood Washington Mortgage Lender3400 188th St SW Suite 400, Lynnwood, WA 98037, USA | 4.9★ | 73 |
| #6 | Team Psaradelis - Mortgage Lenders3400 188th St SW #101st, Lynnwood, WA 98037, USA | 4.9★ | 63 |
| #7 | Mike Leen, Loan Officer3400 188th St SW Suite 185, Lynnwood, WA 98037, USA | 5.0★ | 20 |
| #8 | Cristian Toaca- Sr.Loan Officer NFM LENDINGNFM LENDING, 3400 188th St SW #400, Lynnwood, WA 98037, USA | 4.9★ | 220 |
| #9 | Dave Martin - Mortgage Loan Officer3400 188th St SW #101, Lynnwood, WA 98037, USA | 5.0★ | 12 |
| #10 | David Haley Mortgage3400 188th St SW Suite 185, Lynnwood, WA 98037, USA | 4.9★ | 186 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Lynnwood
Top-rated Lynnwood mortgage broker with a perfect 5.0-star rating from 28 reviews.
4610 200th St SW D, Lynnwood, WA 98036, USA
Top-rated Lynnwood mortgage broker with 4.9 stars from 73 reviews.
3400 188th St SW Suite 400, Lynnwood, WA 98037, USA
Lynnwood mortgage broker with a 4.9-star rating from 63 Google reviews.
3400 188th St SW #101st, Lynnwood, WA 98037, USA
Top-rated Lynnwood mortgage broker with 5.0 stars from 20 glowing reviews.
3400 188th St SW Suite 185, Lynnwood, WA 98037, USA
Rated 4.9 stars from over 220 Google reviews, this Lynnwood broker is highly trusted.
NFM LENDING, 3400 188th St SW #400, Lynnwood, WA 98037, USA
Rated 5.0 stars from 12 Google reviews for local mortgage services.
3400 188th St SW #101, Lynnwood, WA 98037, USA
Trusted by hundreds of local clients, earning an exceptional 4.9-star rating.
3400 188th St SW Suite 185, Lynnwood, WA 98037, USA
Lynnwood mortgage broker with a perfect 5.0-star rating from 42 reviews.
3400 188th St SW Suite 185, Lynnwood, WA 98037, USA
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Mortgage Brokers in Lynnwood, WA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | NFM Lending - Oleg Tkach | 88/100 | 5.0 ★ | 649 |
| 2 | Trevor Roberge | 88/100 | 5.0 ★ | 402 |
| 3 | Ryan Niles Team at Cornerstone Home Lending | 88/100 | 5.0 ★ | 217 |
| 4 | Seattle Mortgage Pros | 77/100 | 5.0 ★ | 28 |
| 5 | Jeff Miltenberger | NFM Lending | Lynnwood Washington Mortgage Lender | 80/100 | 4.9 ★ | 73 |
| 6 | Team Psaradelis - Mortgage Lenders | 79/100 | 4.9 ★ | 63 |
| 7 | Mike Leen, Loan Officer | 75/100 | 5.0 ★ | 20 |
| 8 | Cristian Toaca- Sr.Loan Officer NFM LENDING | 86/100 | 4.9 ★ | 220 |
| 9 | Dave Martin - Mortgage Loan Officer | 72/100 | 5.0 ★ | 12 |
| 10 | David Haley Mortgage | 85/100 | 4.9 ★ | 186 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Lynnwood
What does a mortgage broker do differently than going directly to a bank in Lynnwood?
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 Lynnwood?
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.
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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: July 5, 2026.
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