Safe Rate Rankings

Best FHA Mortgage Lenders in Yakima

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders32

Total Loans1,687

Median Rate Spread0.30%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$4,027Fees	0.033%Above	66
2	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,891Fees	0.299%Above	143
3	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,062Fees	0.502%Above	417
4	Glacier BankBank	Strong	Sound	Strong	Strong	Strong	$3,842Fees	0.263%Above	45
5	1st Security Bank of WashingtonBank	Strong	Sound	Strong	Exceptional	Sound	$5,019Fees	0.416%Above	25
6	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Sound	$4,388Fees	0.388%Above	17
7	WASHINGTON STATE EMPLOYEES CREDIT UNIONCredit Union	Strong	Strong	Strong	Sound	Sound	$1,571Fees	0.429%Above	15
8	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$6,145Fees	0.551%Above	200
9	Synergy One Lending, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,189Fees	0.431%Above	59
10	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$6,063Fees	0.390%Above	24
11	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,342Fees	0.600%Above	35
12	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,072Fees	0.130%Above	16
13	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,092Fees	0.441%Above	12
14	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,994Fees	0.488%Above	59
15	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$6,900Fees	0.541%Above	13
16	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$3,971Fees	0.490%Above	113

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.