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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best FHA Mortgage Lenders in Kennewick
Updated February 5, 2026
Market Overview
46
Total Lenders
3,391
Total Loans
0.19%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,612 | +0.083% | 471 | |
2 | 1st Security Bank of Washington | Exceptional | Sound | Strong | Exceptional | Exceptional | $5,187 | +0.177% | 245 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,111 | +0.107% | 21 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $5,218 | +0.120% | 287 | |
5 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $6,831 | +0.264% | 182 | |
6 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $4,900 | +0.125% | 75 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,846 | +0.199% | 53 | |
8 | Banner Bank | Strong | Strong | Strong | Sound | Strong | $2,579 | +0.085% | 43 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $3,144 | -0.234% | 26 | |
10 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $6,579 | -0.175% | 13 | |
11 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,623 | +0.301% | 455 | |
12 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $6,248 | +0.291% | 152 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $6,001 | +0.441% | 42 | |
14 | Glacier Bank | Strong | Sound | Strong | Strong | Sound | $4,938 | +0.427% | 27 | |
15 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $1,006 | +0.249% | 21 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $5,765 | +0.355% | 18 | |
17 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $6,883 | +0.403% | 93 | |
18 | Umpqua Bank | Strong | Acceptable | Strong | Strong | Strong | $4,735 | +0.208% | 72 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,291 | +0.263% | 34 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,732 | +0.492% | 22 | |
21 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,673 | +0.382% | 78 | |
22 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $7,485 | +0.579% | 76 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,407 | +0.673% | 63 | |
24 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Sound | $6,333 | +0.721% | 24 | |
25 | MORTGAGEONE, INC. | Strong | Acceptable | Strong | Strong | Sound | $4,693 | +0.333% | 14 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $0 | -0.276% | 12 | |
27 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,975 | +0.439% | 59 | |
28 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Strong | Strong | $4,771 | +0.389% | 41 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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