🛡️
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 Olympia
Updated February 5, 2026
Market Overview
60
Total Lenders
3,092
Total Loans
0.09%
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 | $3,116 | -0.223% | 329 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,320 | -0.200% | 57 | |
3 | WASHINGTON STATE EMPLOYEES CREDIT UNION | Exceptional | Strong | Strong | Sound | Exceptional | $1,953 | +0.358% | 71 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,508 | -0.357% | 36 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,563 | +0.122% | 241 | |
6 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Exceptional | $3,083 | -0.002% | 140 | |
7 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,276 | +0.173% | 351 | |
8 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,996 | +0.349% | 207 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,021 | +0.330% | 96 | |
10 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,018 | +0.458% | 37 | |
11 | 1st Security Bank of Washington | Strong | Sound | Strong | Exceptional | Sound | $5,574 | +0.190% | 27 | |
12 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | Sound | $3,946 | -0.110% | 27 | |
13 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,103 | +0.625% | 99 | |
14 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,801 | +0.256% | 95 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,596 | -0.012% | 69 | |
16 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,444 | +0.268% | 15 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,981 | +0.396% | 168 | |
18 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $6,333 | +0.256% | 43 | |
19 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,892 | +0.392% | 23 | |
20 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $5,278 | +0.313% | 28 | |
21 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,692 | +0.114% | 34 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
OlympiaFHA
No credit impact
3-minute process
100% free