Sammamish Mortgage Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores Sammamish Mortgage
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
5 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
7%3 out of 5 - Where and what they lend
How many states and loan types this lender serves.
59%4 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. One of those two measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, at least 95% did, which might mean quoted terms held up, applicants were well qualified, or both.
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What Bankrate's editors think
Sammamish Mortgage has a limited state footprint: You can only borrow if you live in Washington, Oregon, Idaho, California or Colorado. If you do, it’s a strong option. Its loan officers are available 24/7, and the company underwrites its own loans in-house rather than handing that process off to a third party.
It also offers bridge loans and a cash buyer program, both rare among mortgage lenders, and a Diamond Homebuyer Program that moves full underwriting to the start of the process, before you make an offer. A fully underwritten mortgage preapproval can give you a stronger negotiating position because sellers see it as nearly as reliable as a cash offer, since the lender has already verified your income, assets and credit rather than just running a preliminary estimate. You can check rates on its website down to the city level, a level of detail most lenders don’t offer.
About 73% of its loans were priced below comparable loans in 2025, and it charges less in added costs than roughly 60% of comparable lenders. Only about 2% of approved borrowers don’t make it to closing, one of the strongest closing records among lenders we review.
At a glance
Sammamish Mortgage Company is a good choice if you want easy access to support and a preapproval that is already underwritten. However, its limited number of serviced states means it will be an option for only a small group of borrowers.
What consumers say
Best One Yet! (4th mortgage lender we have used)
It was a much easier and more pleasant experience than with previous mortgage lenders we have used. We were never concerned about closing on-time and the closing documents were ready to go a couple of days before closing. The whole experience was seamless and simple with a convenient website that is easy to use and understand. Should we ever need a mortgage lender again we wouldn't hesitate to call Sammamish.
Me · USA
Very responsive
The Sammamish team was very responsive and helpful, making the overall loan experience very smooth and fast.
Ed · Bend, OR
Excelente servicio
Excelente servicio. Muy amables, atentos y confiables en todos los aspectos. La atención por parte de Cristina, desde 5 estrellas, lo recomiendo mucho
Leno B. · Longview Wa
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Figures are drawn from public lending and complaint data and weighted by loan volume.
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