Top Picks · Kirkland
Best Mortgage Brokers in Kirkland, WA
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As of July 2026, RatingsNearMe ranks 19 mortgage brokers in Kirkland, WA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Rally Point Mortgage a dba of C2 Financial with a 5.0-star rating from 43 Google reviews and an RNM Score of 91/100. Also in the top tier: Kevin M. Pennington, Licensed Mortgage Broker and Dan Chapman - Fairway Home Mortgage Corporation. The average rating across all listed mortgage brokers in Kirkland is 5 stars from 77 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Taras Duhnevich, Home Loan Mortgage Advisor
Taras Duhnevich is consistently top-ranked for his personalized service and deep local market knowledge in Kirkland.
Most Reviewed
Taras Duhnevich, Home Loan Mortgage Advisor
A high number of reviews indicates broad customer trust and a proven track record of client satisfaction.
When choosing a mortgage broker in Kirkland, compare loan options and fees from at least two of these top-ranked professionals to ensure you get the best terms for your specific financial situation.
Local Market Snapshot
19
Businesses listed
5★
Avg rating
77
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Kirkland's top-rated mortgage broker with a perfect 5.0★ score from over 200 reviews.
821 Kirkland Ave Suite 100, Kirkland, WA 98033, USATop-rated Kirkland mortgage broker with a perfect 5.0-star rating from over 150 reviews.
4020 Lake Washington Blvd NE #202, Kirkland, WA 98033, USAMortgage Brokers Rankings in Kirkland, WA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Rally Point Mortgage a dba of C2 Financial231 Contra Costa Ave, Tacoma, WA 98466, USA | 5.0★ | 43 |
| #2 | Kevin M. Pennington, Licensed Mortgage Broker821 Kirkland Ave Suite 100, Kirkland, WA 98033, USA | 5.0★ | 209 |
| #3 | Dan Chapman - Fairway Home Mortgage Corporation4020 Lake Washington Blvd NE #202, Kirkland, WA 98033, USA | 5.0★ | 154 |
| #4 | Josh King | Loan Officer | Movement Mortgage | NMLS 194021411255 Kirkland Way Suite 110, Kirkland, WA 98033, USA | 5.0★ | 27 |
| #5 | Ted Andrew Klarich | Fairway Independent Mortgage Corporation Loan Officer4030 Lake Washington Blvd NE # 210, Kirkland, WA 98033, USA | 5.0★ | 52 |
| #6 | Taras Duhnevich, Home Loan Mortgage Advisor1524 Market St Suite 103, Kirkland, WA 98033, USA | 5.0★ | 51 |
| #7 | LoanZilla6620 Lake Washington Blvd NE APT 302, Kirkland, WA 98033, USA | 5.0★ | 47 |
| #8 | Home Loans by Carrie Haines11255 Kirkland Way Suite 110, Kirkland, WA 98033, USA | 5.0★ | 36 |
| #9 | Washington First Mortgage821 Kirkland Ave Suite 100, Kirkland, WA 98033, USA | 4.8★ | 153 |
| #10 | New American Funding - Kirkland, WA915 118th Ave SE #360, Bellevue, WA 98005, USA | 4.9★ | 143 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Kirkland
5.0 stars from 27 reviews, reflecting exceptional client satisfaction in Kirkland.
11255 Kirkland Way Suite 110, Kirkland, WA 98033, USA
5.0 stars from 52 reviews, reflecting exceptional client satisfaction in Kirkland.
4030 Lake Washington Blvd NE # 210, Kirkland, WA 98033, USA
5.0 stars from over 50 reviews makes this a top-rated local choice.
1524 Market St Suite 103, Kirkland, WA 98033, USA
5.0 stars from 47 reviews, reflecting exceptional client satisfaction in Kirkland.
6620 Lake Washington Blvd NE APT 302, Kirkland, WA 98033, USA
Top-rated mortgage broker in Kirkland with 5.0 stars from 36 reviews.
11255 Kirkland Way Suite 110, Kirkland, WA 98033, USA
Trusted by hundreds of local clients, this Kirkland broker holds a stellar 4.8-star rating.
821 Kirkland Ave Suite 100, Kirkland, WA 98033, USA
Trusted by hundreds of local clients, this Kirkland broker holds a 4.9-star rating.
915 118th Ave SE #360, Bellevue, WA 98005, USA
Kirkland's top-rated mortgage broker with a perfect 5.0★ score from 94 reviews.
135 Lake St S STE 230, Kirkland, WA 98033, USA
Top-rated Kirkland mortgage broker with a perfect 5.0★ average from 82 reviews.
111 Ave C Suite 101, Snohomish, WA 98290, USA
Rated 5.0 stars from 76 reviews, this Kirkland broker is highly recommended.
5209 Lake Washington Blvd NE #105, Kirkland, WA 98033, USA
5.0 stars from 68 reviews, Kirkland’s top-rated mortgage broker.
4020 Lake Washington Blvd NE #202, Kirkland, WA 98033, USA
Top-rated Kirkland mortgage broker with a perfect 5.0-star rating from 18 reviews.
4020 Lake Washington Blvd NE #202, Kirkland, WA 98033, USA
A 5.0-star rating from 8 Google reviews highlights exceptional local service.
135 Lake St S STE 230, Kirkland, WA 98033, USA
5.0 stars from 72 reviews, reflecting exceptional client satisfaction in Kirkland.
516 6th St South, Kirkland, WA 98033, USA
Consistently earns a perfect 5.0-star rating from dozens of local client reviews.
8213 131st Ave NE, Kirkland, WA 98033, USA
Trusted by Kirkland homeowners with a flawless 5.0-star rating from 80 reviews.
105 Central Way #200, Kirkland, WA 98033, USA
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Mortgage Brokers in Kirkland, WA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Rally Point Mortgage a dba of C2 Financial | 91/100 | 5.0 ★ | 43 |
| 2 | Kevin M. Pennington, Licensed Mortgage Broker | 99/100 | 5.0 ★ | 209 |
| 3 | Dan Chapman - Fairway Home Mortgage Corporation | 97/100 | 5.0 ★ | 154 |
| 4 | Josh King | Loan Officer | Movement Mortgage | NMLS 1940214 | 88/100 | 5.0 ★ | 27 |
| 5 | Ted Andrew Klarich | Fairway Independent Mortgage Corporation Loan Officer | 80/100 | 5.0 ★ | 52 |
| 6 | Taras Duhnevich, Home Loan Mortgage Advisor | 80/100 | 5.0 ★ | 51 |
| 7 | LoanZilla | 79/100 | 5.0 ★ | 47 |
| 8 | Home Loans by Carrie Haines | 78/100 | 5.0 ★ | 36 |
| 9 | Washington First Mortgage | 82/100 | 4.8 ★ | 153 |
| 10 | New American Funding - Kirkland, WA | 84/100 | 4.9 ★ | 143 |
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 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.
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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 4, 2026.
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