# Best FHA Mortgage Lenders in Seattle

**As of:** 2026-05-19

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

> **Canonical URL:** https://saferate.com/seattle/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:** 154
- **Total Loans:** 22,150
- **Median Rate Spread:** 0.17944000000000002%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 1,435 | Independent Mortgage Company |
| 2 | Global Federal Credit Union | 85 | 77 | 87 | 231 | Credit Union |
| 3 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 89 | Independent Mortgage Company |
| 4 | U.S. Bank National Association | 83 | 65 | 60 | 779 | Bank |
| 5 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 1,361 | Independent Mortgage Company |
| 6 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 558 | Independent Mortgage Company |
| 7 | CORNERSTONE CAPITAL BANK, SSB | 80 | 30 | 85 | 376 | Bank |
| 8 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 383 | Independent Mortgage Company |
| 9 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 360 | Independent Mortgage Company |
| 10 | KIND LENDING, LLC | 79 | 55 | 71 | 108 | Independent Mortgage Company |
| 11 | MOVEMENT MORTGAGE, LLC | 75 | 30 | 79 | 1,385 | Independent Mortgage Company |
| 12 | CMG MORTGAGE, INC. | 75 | 32 | 79 | 849 | Independent Mortgage Company |
| 13 | GUILD MORTGAGE COMPANY LLC | 75 | 29 | 80 | 723 | Independent Mortgage Company |
| 14 | NFM, INC. | 75 | 40 | 83 | 284 | Independent Mortgage Company |
| 15 | Banner Bank | 74 | 71 | 57 | 59 | Bank |
| 16 | NEWREZ LLC | 73 | 52 | 56 | 370 | Independent Mortgage Company |
| 17 | OriginPoint, LLC | 73 | 49 | 59 | 351 | Independent Mortgage Company |
| 18 | BAY EQUITY LLC | 71 | 37 | 72 | 345 | Independent Mortgage Company |
| 19 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 213 | Independent Mortgage Company |
| 20 | T2 FINANCIAL LLC | 70 | 29 | 82 | 48 | Independent Mortgage Company |
| 21 | HomeStreet Bank | 69 | 41 | 58 | 191 | Bank |
| 22 | RESICENTRAL, LLC | 69 | 68 | 56 | 51 | Independent Mortgage Company |
| 23 | ZILLOW HOME LOANS, LLC | 66 | 34 | 67 | 64 | Independent Mortgage Company |
| 24 | CANOPY MORTGAGE, LLC | 66 | 21 | 70 | 64 | Independent Mortgage Company |
| 25 | Paramount Residential Mortgage Group, Inc. | 66 | 33 | 72 | 49 | Independent Mortgage Company |
| 26 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 19 | 69 | 1,094 | Independent Mortgage Company |
| 27 | AMERICAN PACIFIC MORTGAGE CORPORATION | 63 | 10 | 81 | 305 | Independent Mortgage Company |
| 28 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 63 | 14 | 84 | 252 | Independent Mortgage Company |
| 29 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 69 | Independent Mortgage Company |
| 30 | Luminate Home Loans, Inc. | 60 | 11 | 63 | 77 | Independent Mortgage Company |
| 31 | DIRECTORS MORTGAGE, INC. | 57 | N/A | 75 | 76 | Independent Mortgage Company |
| 32 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 233 | Independent Mortgage Company |
| 33 | PRIORITY HOME LENDING, LLC | 53 | 12 | 68 | 63 | 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 Seattle.

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.