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Mortgage Lenders and Brokers in Federal Way, Washington

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Federal Way, Washington mortgage lenders include US Bank, N.A.US Bank, N.A.1436 S 312th St, Federal Way, WA 98003A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA33601 21st Ave Sw, Federal Way, WA 98023A+5.0 ★Texas Ratio: 3.68%, Keybank National AssociationKeybank National Association32400 Pacific Hwy S, Federal Way, WA 98003A+5.0 ★Texas Ratio: 4.81%, Bank of America NABank of America NA32011 Pacific Hwy S, Federal Way, WA 98003A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA914 S 348th St, Federal Way, WA 98003A+5.0 ★Texas Ratio: 5.36%, Banner BankBanner Bank34600 Pacific Hwy S, Federal Way, WA 98003A+5.0 ★Texas Ratio: 2.91%, Columbia BankColumbia Bank33515 9th Ave S, Federal Way, WA 98003A+5.0 ★Texas Ratio: 2.28%, Heritage BankHeritage Bank32303 Pacific Hwy S, Federal Way, WA 98003A+5.0 ★Texas Ratio: 1.04%, Boeing Employees' Credit UnionBoeing Employees' Credit Union31411 Pacific Hwy S, Federal Way, WA 98003, and Qualstar Credit UnionQualstar Credit Union1825 S 316th St, Federal Way, WA 98003A+5.0 ★Texas Ratio: 4.83%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Federal Way, Washington in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Federal Way are listed first, then lenders elsewhere in Washington, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Federal Way, Washington

Market share is the lender's share of all home loans closed in Federal Way, Washington. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
US Bank, N.A. 2 offices in Federal Way 1436 S 312th St, Federal Way, WA 98003 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	18 +9 HELOCs	1.7%	73.1%	$321,111	View
JPMorgan Chase Bank, NA 3 offices in Federal Way 33601 21st Ave Sw, Federal Way, WA 98023 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	10 +1 HELOCs	0.9%	70.6%	$327,000	View
Keybank National Association 2 offices in Federal Way 32400 Pacific Hwy S, Federal Way, WA 98003 A+5.0 ★Texas Ratio: 4.81%	Conventional, FHA, HELOC	9 +2 HELOCs	0.8%	71.4%	$481,666	View
Bank of America NA 2 offices in Federal Way 32011 Pacific Hwy S, Federal Way, WA 98003 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	7 +29 HELOCs	0.6%	87.5%	$455,000	View
Wells Fargo Bank NA 2 offices in Federal Way 914 S 348th St, Federal Way, WA 98003 A+5.0 ★Texas Ratio: 5.36%	Conventional	7	0.6%	63.6%	$489,285	View
Banner Bank 1 office in Federal Way 34600 Pacific Hwy S, Federal Way, WA 98003 A+5.0 ★Texas Ratio: 2.91%	Conventional, FHA, HELOC	6 +4 HELOCs	0.6%	46.2%	$283,333	View
Columbia Bank 2 offices in Federal Way 33515 9th Ave S, Federal Way, WA 98003 A+5.0 ★Texas Ratio: 2.28%	Conventional, HELOC	3 +9 HELOCs	0.3%	100%	$271,666	View
Heritage Bank 1 office in Federal Way 32303 Pacific Hwy S, Federal Way, WA 98003 A+5.0 ★Texas Ratio: 1.04%	HELOC	0 +2 HELOCs	0%	n/a		View
Boeing Employees' Credit Union 31411 Pacific Hwy S, Federal Way, WA 98003	Conventional, HELOC	34 +203 HELOCs	3.1%	85%	$356,764
Qualstar Credit Union 1825 S 316th St, Federal Way, WA 98003 A+5.0 ★Texas Ratio: 4.83%	Conventional	16	1.5%	94.4%	$77,500	View
Sound Credit Union 2020 S 320th St Ste H, Federal Way, WA 98003 A5.0 ★Texas Ratio: 8.08%	Conventional, HELOC	10 +4 HELOCs	0.9%	62.5%	$107,000	View
Washington Trust Bank 10500 Ne 8th St, Bellevue, WA 98004 A+5.0 ★Texas Ratio: 4.63%	Conventional, HELOC	8 +1 HELOCs	0.7%	80%	$240,000	View
East West Bank 2331 130th Ave Ne, Bellevue, WA 98005 A+5.0 ★Texas Ratio: 2.84%	Conventional	6	0.6%	85.7%	$563,333	View
Cathay Bank 13238 Ne 20th St, Bellevue, WA 98005 A+5.0 ★Texas Ratio: 4.57%	Conventional	2	0.2%	100%	$270,000	View
Kitsap Credit Union 51 NE State Route 300 Ste D, Belfair, WA 98528 8654 A5.0 ★Texas Ratio: 6.36%	Conventional	2	0.2%	66.7%	$75,000	View
Cascade Federal Credit Union 12916 4th Ave W, Everett, WA 98204 A+5.0 ★Texas Ratio: 2.66%	Conventional	2	0.2%	100%	$265,000	View
Gesa Credit Union 5363 Auto Center Way, Bremerton, WA 98312 A5.0 ★Texas Ratio: 6.57%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$45,000	View
Red Canoe Credit Union 33616 Pacific Hwy S, Federal Way, WA 98003 6810 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$225,000	View
Peak Credit Union 416 E MARKET ST, ABERDEEN, WA 98520 A5.0 ★Texas Ratio: 7.97%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$175,000	View
Zions Bancorporation, N.A. 10900 Ne 4th St, Bellevue, WA 98004 A+5.0 ★Texas Ratio: 3.72%	Conventional	1	0.1%	100%	$415,000	View
Sound Community Bank 22807 44th Ave W, Mountlake Terrace, WA 98043 A5.0 ★Texas Ratio: 6.90%	Conventional	1	0.1%	33.3%	$125,000	View
Salal Credit Union 1048 116th Ave NE, Bellevue, WA 98004 4640 A+5.0 ★Texas Ratio: 4.83%	Conventional	1	0.1%	100%	$375,000	View
Hsbc Bank USA, NA 196 Bellevue Way Ne, Bellevue, WA 98004 A+5.0 ★Texas Ratio: 4.86%	Conventional	1	0.1%	100%	$505,000	View
1st Security Bank of Washington 100 W 1st St, Aberdeen, WA 98520 A+5.0 ★Texas Ratio: 4.31%	Conventional	1	0.1%	100%	$755,000	View
Sunflower Bank, N.A. 244 W Main Ave, Spokane, WA 99201 A5.0 ★Texas Ratio: 10.77%	Conventional	1	0.1%	100%	$795,000	View
Seattle Metropolitan Credit Union 14901 4th Ave SW Ste 107, Burien, WA 98166 A+5.0 ★Texas Ratio: 4.30%	Conventional	1	0.1%	50%	$405,000	View
TAPCO Credit Union 19371 STATE ROUTE 410 E, Bonney Lake, WA 98391 A+5.0 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$105,000	View
Harborstone Credit Union 32210 Pacific Hwy S, Federal Way, WA 98003 6000 A5.0 ★Texas Ratio: 8.21%	HELOC	0 +5 HELOCs	0%	n/a		View
Coastal Community Bank 525 N Olympic Ave, Arlington, WA 98223 B4.5 ★Texas Ratio: 20.96%	HELOC	0 +4 HELOCs	0%	n/a		View
Sammamish Mortgage Company	Conventional	8	0.7%	100%	$542,500
Evergreen Moneysource Mortgage Company	Conventional, FHA, VA, Jumbo	6	0.6%	88.9%	$658,333
Wsecu	Conventional, HELOC	5 +6 HELOCs	0.5%	26.3%	$99,000
HomeStreet Bank	Conventional, VA, HELOC	4 +8 HELOCs	0.4%	100%	$440,000
Rocket Mortgage	Conventional, FHA, VA	107	9.9%	85.8%	$356,028
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	92 +2 HELOCs	8.5%	92.6%	$376,739
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	90 +4 HELOCs	8.3%	92.2%	$485,777
Guild Mortgage Company	Conventional, FHA, VA, Jumbo	58	5.3%	93.7%	$372,758
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	38 +3 HELOCs	3.5%	97.4%	$574,210
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, HELOC	31 +4 HELOCs	2.9%	100%	$489,193
Pennymac Loan Services LLC	Conventional, FHA, VA	30	2.8%	86.1%	$336,000
Newrez LLC	Conventional, FHA, VA, Jumbo	24	2.2%	65.8%	$395,000
Nfm, Inc	Conventional, FHA, Jumbo	21	1.9%	95.5%	$580,238
American Pacific Mortgage Corporation	Conventional, FHA, VA	18	1.7%	81.8%	$458,333
New American Funding, LLC.	Conventional, FHA, VA, HELOC	17 +1 HELOCs	1.6%	77.3%	$400,882
loanDepot.com LLC	Conventional, FHA, HELOC	16 +2 HELOCs	1.5%	73.9%	$276,250
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	16 +1 HELOCs	1.5%	88.9%	$440,000
Fairway Independent Mort Corp	Conventional, FHA, VA	16	1.5%	72.7%	$530,000
Freedom Mortgage Corporation	Conventional, FHA, VA	14	1.3%	81%	$438,571
Nationstar Mortgage	Conventional, FHA, VA	13	1.2%	86.7%	$229,615
Mortgage Research Center	VA	12	1.1%	60%	$483,333
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	9 +7 HELOCs	0.8%	71.4%	$409,444
The Loan Store, Inc	Conventional, FHA, HELOC	9 +2 HELOCs	0.8%	90%	$488,333
Churchill Mortgage Corporation	Conventional, FHA	9	0.8%	75%	$217,222
Originpoint, LLC	Conventional, FHA, VA	8	0.7%	90%	$490,000
Guidance Residential, LLC	Conventional	8	0.7%	100%	$537,500
Synergy One Lending, Inc.	Conventional, FHA	8	0.7%	72.7%	$257,500
Cornerstone First Mortgage, LLC	Conventional	7	0.6%	100%	$436,428
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	7	0.6%	100%	$429,285	View
Global Federal Credit Union	Conventional	7	0.6%	100%	$315,000
Triad Financial Services, Inc.	Conventional	7	0.6%	78.9%	$137,857
Mutual of Omaha Mortgage	Conventional, FHA, VA, HELOC	6 +1 HELOCs	0.6%	60%	$633,333
Canopy Mortgage, LLC A5.0 ★Texas Ratio: 6.81%	Conventional, FHA	6	0.6%	100%	$466,666	View
NOVA Financial & Investment Corporation	Conventional, FHA	6	0.6%	75%	$416,666
Kind Lending, LLC	Conventional, FHA	6	0.6%	75%	$573,333
Directors Mortgage, Inc	Conventional, FHA	6	0.6%	75%	$353,333
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA	6	0.6%	100%	$520,000	View
Bay Equity LLC	Conventional, FHA	6	0.6%	100%	$430,000
Mortgage Solutions of Colorado	Conventional, VA	6	0.6%	100%	$525,000
Right Start Mortgage, Inc	Conventional	6	0.6%	75%	$343,333
Spring Eq, LLC	Conventional, HELOC	5 +2 HELOCs	0.5%	28.6%	$125,000
Lakeview Loan Servicing, LLC	Conventional, FHA	5	0.5%	26.3%	$125,000
Amerisave Mortgage Company	Conventional	5	0.5%	55.6%	$93,000
Provident Funding Associates	Conventional	5	0.5%	83.3%	$531,000
Prosperity Home Mortgage, LLC	Conventional	5	0.5%	83.3%	$389,000
Mld Mortgage, Inc.Dba the Money Store	Conventional, FHA	5	0.5%	100%	$483,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, HELOC	4 +1 HELOCs	0.4%	100%	$482,500	View
Better Mortgage Corporation	Conventional	4	0.4%	100%	$352,500
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.4%	62.5%	$397,500	View
Premier Mortgage Resources, LLC	Conventional, VA	3	0.3%	100%	$415,000
American Financial Resources LLC	Conventional, FHA	3	0.3%	100%	$471,666
Equity Prime Mortgage LLC	Conventional, FHA, VA	3	0.3%	100%	$671,666
Resicentral LLC	Conventional, FHA	3	0.3%	100%	$568,333
Home Mortgage Alliance Corp (Hmac)	Conventional	3	0.3%	100%	$511,666
Dignified Home Loans LLC	Conventional	3	0.3%	100%	$561,666
Generations Home Loans, LLC	Conventional	3	0.3%	100%	$371,666
Nations Direct Mortgage, LLC	FHA	3	0.3%	100%	$511,666
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	3	0.3%	100%	$428,333	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	3	0.3%	75%	$465,000	View
Carrington Mortgage Services LLC	Conventional, FHA	3	0.3%	38.5%	$198,333
Alliant Credit Union	Conventional, HELOC	2 +3 HELOCs	0.2%	100%	$405,000
Goodleap, LLC	Conventional, VA, HELOC	2 +2 HELOCs	0.2%	100%	$320,000
AmWest Funding Corp	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$405,000
Primelending	Conventional	2	0.2%	66.7%	$265,000
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	2	0.2%	100%	$475,000
Loanunited.Com, LLC	FHA	2	0.2%	100%	$665,000
Deephaven Mortgage LLC	Conventional	2	0.2%	100%	$635,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional, VA	2	0.2%	100%	$475,000	View
Priority Home Lending, LLC	Conventional	2	0.2%	100%	$270,000
Click n' Close, Inc.	Conventional, FHA	2	0.2%	100%	$260,000
Securitynational Mortgage Company	FHA	2	0.2%	100%	$395,000
Strong Home Mortgage, LLC	Conventional	2	0.2%	100%	$580,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA, Jumbo	2	0.2%	40%	$1,365,000	View
T2 Financial LLC	Conventional	2	0.2%	100%	$410,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0.2%	100%	$440,000	View
Member First Mortgage, LLC	Conventional, FHA	2	0.2%	100%	$520,000
Genway Home Mortgage, Inc.	Conventional, FHA	2	0.2%	100%	$380,000
Zillow Home Loans, LLC	Conventional, VA	2	0.2%	100%	$480,000
ClearEdge Lending LLC	Conventional	2	0.2%	100%	$655,000
Plaza Home Mortgage, Inc	Conventional	2	0.2%	66.7%	$375,000
Village Capital & Investment	FHA	2	0.2%	66.7%	$295,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	50%	$675,000	View
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$425,000	View
First Horizon Bank ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0.1%	100%	$735,000	View
Meridian Bank C3.9 ★Texas Ratio: 27.97%	Conventional	1	0.1%	100%	$115,000	View
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	FHA	1	0.1%	100%	$675,000	View
Residential Mortgage, LLC A-4.9 ★Texas Ratio: 16.48%	FHA	1	0.1%	100%	$705,000	View
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$155,000
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$355,000
Nbkc Bank	Conventional	1	0.1%	100%	$265,000
Loansteady LLC	VA	1	0.1%	100%	$725,000
AmeriHome Mortgage Company, LLC	FHA	1	0.1%	100%	$465,000
PHH Mortgage Corporation	Conventional	1	0.1%	50%	$445,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA	1	0.1%	100%	$405,000	View
Bay-Valley Mortgage Group	FHA	1	0.1%	100%	$295,000
HomeXpress Mortgage Corp.	Conventional	1	0.1%	50%	$505,000
Greenwood Credit Union	Conventional	1	0.1%	100%	$85,000
Network Capital Funding Corporation	VA	1	0.1%	50%	$625,000
Union Home Mortgage Corp.	Conventional	1	0.1%	100%	$395,000
Mountain America Federal Credit Union	Conventional	1	0.1%	100%	$65,000
Geneva Financial LLC	VA	1	0.1%	33.3%	$225,000
Highlands Residential Mortgage, Ltd.	Conventional	1	0.1%	100%	$355,000
Greenbox Loans	Conventional	1	0.1%	100%	$565,000
Cardinal Financial Company, Li	Conventional	1	0.1%	100%	$55,000
Stg Mortgage Inc	Conventional	1	0.1%	50%	$285,000
Deseret First Credit Union	Conventional	1	0.1%	100%	$455,000
Starboard Financial Management, LLC	Conventional	1	0.1%	100%	$525,000
Planet Home Lending, LLC	FHA	1	0.1%	100%	$525,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$505,000	View
Nations Lending Corporation	VA	1	0.1%	100%	$265,000
Waterstone Mortgage Corporation	Conventional	1	0.1%	100%	$315,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$295,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$325,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$85,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$335,000	View
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$375,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$605,000
Lower, LLC	FHA	1	0.1%	100%	$665,000
Nmsi, Inc.	Conventional	1	0.1%	100%	$415,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional	1	0.1%	100%	$325,000	View
Heritage Bank NA C-3.6 ★Texas Ratio: 31.27%	FHA	1	0.1%	100%	$595,000	View
21St Mortgage	Conventional	1	0.1%	12.5%	$115,000
Paramount Residential Mortgage	Conventional	1	0.1%	50%	$495,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo	1	0.1%	100%	$1,825,000
Nexera Holding LLC	Conventional	1	0.1%	100%	$435,000
First Technology Federal Credit Union	Conventional	1	0.1%	50%	$545,000
Ark-La-Tex Financial Services LLC	Conventional	1	0.1%	100%	$505,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$555,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	VA	1	0.1%	100%	$335,000	View
Figure Lending LLC A+5.0 ★Texas Ratio: 4.66%	HELOC	0 +13 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +6 HELOCs	0%	0%
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +3 HELOCs	0%	n/a		View
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Wings Financial Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Nuvision Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Idaho Central Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Federal Way Mortgage Rate Trends

Daily average mortgage rates for Washington compared with the national average, updated every evening.

30-Year Fixed WA Avg

7.497%

▲ 0.070 vs 7 days ago

15-Year Fixed WA Avg

7.029%

▲ 0.067 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Federal Way, Washington

Looking for mortgage lenders near me or mortgage brokers near me in Federal Way? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Federal Way in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Federal Way, WA

Use these to narrow the list above. Each category shows how many Federal Way, WA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 102 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 40 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 27 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 52 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 34 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 7 lenders. Loans above the conforming limit for higher priced homes Local lenders based in WA 22 lenders headquartered in Washington, the closest thing to a mortgage lender near you

Who Lends in Federal Way, WA

Independent mortgage companies closed 79.2 percent of home loans in Federal Way, Washington in 2025, banks 11.9 percent and credit unions 8.9 percent. Sammamish Mortgage Company was the largest mortgage company, US Bank, N.A. the largest bank and Boeing Employees' Credit Union the largest credit union. Among lenders headquartered in Washington, Banner Bank led with 6 loans.

79.2%

Mortgage companies

11.9%

Banks

8.9%

Credit unions

15%

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Washington. Graduated state real estate excise tax paid by the seller: 1.1 percent up to $525,000, 1.28 percent from $525,000 to $1.525 million, 2.75 percent to $3.025 million and 3 percent above, plus local REET usually 0.25 to 0.5 percent; no mortgage tax.

More Washington Mortgage Lender Pages

All Washington lenders 631 lenders Seattle 303 lenders Spokane 216 lenders Tacoma 226 lenders Vancouver 223 lenders Spokane Valley 174 lenders Bellevue 158 lenders Kennewick 154 lenders Marysville 145 lenders Kirkland 145 lenders Pasco 127 lenders Kent 175 lenders South Hill 170 lenders

Frequently Asked Questions About Mortgage Lenders in Federal Way, WA

Who is the largest mortgage lender in Federal Way, WA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Federal Way, Washington with 18 loans, about 1.7 percent of the market. The largest lender headquartered in Washington was Banner Bank with 6 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Federal Way, WA have the highest approval rates?

Among lenders with meaningful volume in Federal Way, Washington, Guild Mortgage Company approved the highest share of completed applications in 2025 at 93.7 percent, against a 81.6 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Federal Way, WA mortgage lenders offer FHA, VA and USDA loans?

52 lenders closed FHA loans in Federal Way, Washington in 2025, led by United Wholesale Mortgage with 25. 34 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Federal Way, WA lender list?

Yes. 40 banks and 27 credit unions closed home loans in Federal Way, Washington in 2025, alongside 102 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Federal Way, WA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Federal Way, Washington during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Federal Way, Washington for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Federal Way. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.