🛡️
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 Company Lenders in Washington
Updated February 6, 2026
Market Overview
46
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,115 | -0.001% | 6,493 | |
2 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,351 | -0.079% | 1,187 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,601 | +0.070% | 651 | |
4 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,475 | +0.063% | 1,250 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,078 | +0.120% | 5,275 | |
6 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,855 | +0.371% | 1,968 | |
7 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,593 | +0.255% | 1,521 | |
8 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,400 | +0.356% | 718 | |
9 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,170 | +0.197% | 547 | |
10 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,041 | +0.183% | 335 | |
11 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,328 | +0.238% | 313 | |
12 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $1,989 | +0.460% | 282 | |
13 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $6,184 | +0.315% | 217 | |
14 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $1,208 | +0.083% | 188 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,624 | +0.359% | 3,891 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,531 | +0.328% | 3,807 | |
17 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,758 | +0.314% | 3,718 | |
18 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,919 | +0.154% | 1,068 | |
19 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,195 | +0.320% | 647 | |
20 | OriginPoint, LLC | Strong | Sound | Strong | Sound | Exceptional | $2,776 | +0.270% | 551 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,912 | +0.368% | 463 | |
22 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,876 | +0.397% | 262 | |
23 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,165 | +0.472% | 1,921 | |
24 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,328 | +0.439% | 1,783 | |
25 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,714 | +0.205% | 997 | |
26 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,083 | +0.211% | 813 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,609 | +0.374% | 300 | |
28 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $5,118 | +0.343% | 247 | |
29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,010 | +0.444% | 243 | |
30 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,293 | +0.230% | 204 | |
31 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,146 | +0.127% | 173 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,049 | +0.421% | 3,427 | |
33 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,075 | +0.315% | 324 | |
34 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,964 | +0.056% | 291 | |
35 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Strong | $4,184 | +0.268% | 246 | |
36 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $6,453 | +0.525% | 216 | |
37 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,161 | +0.495% | 199 | |
38 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,642 | +0.341% | 180 | |
39 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,888 | +0.403% | 1,164 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,219 | +0.137% | 402 | |
41 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $4,886 | +0.451% | 399 | |
42 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $5,040 | +0.363% | 381 | |
43 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,830 | +0.436% | 282 | |
44 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Strong | Strong | $4,510 | +0.432% | 259 | |
45 | PRIORITY HOME LENDING, LLC | Sound | Mediocre | Sound | Strong | Strong | $4,237 | +0.530% | 194 |
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
WashingtonFHA
No credit impact
3-minute process
100% free