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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 Washington
Updated February 6, 2026
Market Overview
283
Total Lenders
84,205
Total Loans
0.23%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | KeyBank National Association | Exceptional | Exceptional | Strong | Sound | Exceptional | $646 | -0.071% | 540 | |
2 | Global Federal Credit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $981 | -0.514% | 479 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,115 | -0.001% | 6,493 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | -$136 | -0.111% | 1,709 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,351 | -0.079% | 1,187 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,601 | +0.070% | 651 | |
7 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $625 | -0.281% | 331 | |
8 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,475 | +0.063% | 1,250 | |
9 | 1st Security Bank of Washington | Exceptional | Sound | Strong | Exceptional | Exceptional | $4,249 | +0.190% | 935 | |
10 | Banner Bank | Exceptional | Strong | Strong | Sound | Exceptional | $3,212 | +0.187% | 622 | |
11 | WASHINGTON STATE EMPLOYEES CREDIT UNION | Exceptional | Strong | Strong | Sound | Exceptional | $1,697 | +0.336% | 287 | |
12 | ONPOINT COMMUNITY CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $1,493 | +0.103% | 180 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,078 | +0.120% | 5,275 | |
14 | Boeing Employees Credit Union | Strong | Strong | Sound | Sound | Exceptional | $762 | -0.030% | 2,369 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,855 | +0.371% | 1,968 | |
16 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,593 | +0.255% | 1,521 | |
17 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,975 | +0.403% | 1,016 | |
18 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,400 | +0.356% | 718 | |
19 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,170 | +0.197% | 547 | |
20 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,041 | +0.183% | 335 | |
21 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,328 | +0.238% | 313 | |
22 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $1,989 | +0.460% | 282 | |
23 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,711 | +0.203% | 282 | |
24 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $6,184 | +0.315% | 217 | |
25 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $1,208 | +0.083% | 188 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,624 | +0.359% | 3,891 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,531 | +0.328% | 3,807 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,758 | +0.314% | 3,718 | |
29 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,620 | -0.030% | 1,657 | |
30 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,397 | -0.145% | 1,126 | |
31 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,919 | +0.154% | 1,068 | |
32 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,195 | +0.320% | 647 | |
33 | HomeStreet Bank | Strong | Sound | Strong | Sound | Exceptional | $3,019 | +0.238% | 568 | |
34 | OriginPoint, LLC | Strong | Sound | Strong | Sound | Exceptional | $2,776 | +0.270% | 551 | |
35 | Sunflower Bank, National Association | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,653 | +0.244% | 507 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,912 | +0.368% | 463 | |
37 | Glacier Bank | Strong | Sound | Strong | Strong | Strong | $4,275 | +0.230% | 360 | |
38 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,876 | +0.397% | 262 | |
39 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,165 | +0.472% | 1,921 | |
40 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,328 | +0.439% | 1,783 | |
41 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,714 | +0.205% | 997 | |
42 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,083 | +0.211% | 813 | |
43 | Umpqua Bank | Strong | Acceptable | Strong | Strong | Exceptional | $3,137 | +0.219% | 520 | |
44 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,609 | +0.374% | 300 | |
45 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $5,118 | +0.343% | 247 | |
46 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,010 | +0.444% | 243 | |
47 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,293 | +0.230% | 204 | |
48 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,146 | +0.127% | 173 | |
49 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,075 | +0.315% | 324 | |
50 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,642 | +0.341% | 180 |
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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