🛡️
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 Seattle
Updated February 5, 2026
Market Overview
154
Total Lenders
22,150
Total Loans
0.18%
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 | $2,310 | +0.030% | 1,435 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | -$884 | -0.200% | 779 | |
3 | Global Federal Credit Union | Exceptional | Strong | Strong | Exceptional | Strong | $315 | -0.749% | 231 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,667 | -0.025% | 89 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,364 | -0.002% | 383 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,225 | +0.061% | 1,361 | |
7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,910 | +0.312% | 558 | |
8 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,266 | +0.264% | 376 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,494 | +0.135% | 360 | |
10 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,246 | +0.212% | 108 | |
11 | Banner Bank | Strong | Strong | Strong | Sound | Strong | $3,519 | +0.238% | 59 | |
12 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,152 | +0.321% | 1,385 | |
13 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,667 | +0.321% | 849 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,320 | +0.336% | 723 | |
15 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,105 | +0.326% | 370 | |
16 | OriginPoint, LLC | Strong | Sound | Strong | Sound | Exceptional | $2,549 | +0.251% | 351 | |
17 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,262 | +0.296% | 284 | |
18 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Sound | $1,274 | +0.102% | 51 | |
19 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,394 | +0.105% | 345 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,440 | +0.187% | 213 | |
21 | HomeStreet Bank | Strong | Sound | Strong | Sound | Strong | $2,831 | +0.212% | 191 | |
22 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,006 | +0.194% | 48 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,702 | +0.375% | 1,094 | |
24 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,416 | +0.413% | 305 | |
25 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,290 | +0.439% | 252 | |
26 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,876 | +0.180% | 64 | |
27 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,615 | +0.274% | 64 | |
28 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,957 | +0.256% | 49 | |
29 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $3,625 | +0.482% | 77 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $1,099 | -0.018% | 69 | |
31 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,418 | +0.319% | 233 | |
32 | PRIORITY HOME LENDING, LLC | Sound | Mediocre | Sound | Strong | Strong | $4,182 | +0.534% | 63 |
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
SeattleFHA
No credit impact
3-minute process
100% free