# Best FHA Mortgage Lenders in Kennewick

**As of:** 2026-05-23

Compare the top FHA mortgage lenders in Kennewick. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/kennewick/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 46
- **Total Loans:** 3,391
- **Median Rate Spread:** 0.19302222222222223%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 471 | Independent Mortgage Company |
| 2 | 1st Security Bank of Washington | 83 | 43 | 80 | 245 | Bank |
| 3 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 287 | Independent Mortgage Company |
| 4 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 80 | 22 | 82 | 182 | Independent Mortgage Company |
| 5 | Flagstar Bank, N.A. | 79 | 58 | 71 | 75 | Bank |
| 6 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 53 | Independent Mortgage Company |
| 7 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 21 | Independent Mortgage Company |
| 8 | CMG MORTGAGE, INC. | 75 | 32 | 79 | 455 | Independent Mortgage Company |
| 9 | Banner Bank | 74 | 71 | 57 | 43 | Bank |
| 10 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 26 | Independent Mortgage Company |
| 11 | GoodLeap, LLC | 73 | 62 | 58 | 13 | Independent Mortgage Company |
| 12 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 42 | Independent Mortgage Company |
| 13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 70 | 20 | 82 | 18 | Independent Mortgage Company |
| 14 | Glacier Bank | 69 | 44 | 67 | 27 | Bank |
| 15 | NEWREZ LLC | 68 | 52 | 56 | 21 | Independent Mortgage Company |
| 16 | Umpqua Bank | 67 | 24 | 63 | 72 | Bank |
| 17 | AMERICAN PACIFIC MORTGAGE CORPORATION | 67 | 10 | 81 | 152 | Independent Mortgage Company |
| 18 | MOVEMENT MORTGAGE, LLC | 66 | 30 | 79 | 34 | Independent Mortgage Company |
| 19 | GUARANTEED RATE, INC. | 66 | 38 | 68 | 22 | Independent Mortgage Company |
| 20 | SUMMIT FUNDING, INC. | 63 | 12 | 81 | 93 | Independent Mortgage Company |
| 21 | MORTGAGEONE, INC. | 63 | 27 | 70 | 14 | Independent Mortgage Company |
| 22 | ENVOY MORTGAGE, LTD | 62 | 22 | 54 | 24 | Independent Mortgage Company |
| 23 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 12 | Independent Mortgage Company |
| 24 | CHURCHILL MORTGAGE CORPORATION | 60 | 20 | 65 | 78 | Independent Mortgage Company |
| 25 | PREMIER MORTGAGE RESOURCES, L.L.C. | 60 | 16 | 76 | 76 | Independent Mortgage Company |
| 26 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 63 | Independent Mortgage Company |
| 27 | Cornerstone First Mortgage, Inc | 57 | 19 | 64 | 41 | Independent Mortgage Company |
| 28 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 59 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Kennewick.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.