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Loan programs · Washington

FHA loan officers in Washington

As of 2026-10-09, LenDb lists 377 loan officers licensed in or based in Washington whose lender pages show FHA loan work. The top-ranked are Shelley Covington (Intercap Lending, Kirkland), Matthew Merrill (Guild Mortgage, Vancouver) and Kim Ray (Churchill Mortgage, Ocean Shores). Ranking is lender-neutral: specialty evidence first, then a license in WA, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 25

  1. 1

    Shelley CovingtonNMLS 102076

    Intercap Lending · Kirkland, WA · licensed in 3 states

    • FHA loan
    • Bank statement loan
    • Down payment assistance
    • First-time buyer
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 25 years experience (stated on lender page, 2026-10-09)
  2. 2

    Matthew MerrillNMLS 115282

    Guild Mortgage · Vancouver, WA · licensed in 5 states

    • FHA loan
    • First-time buyer
    • USDA loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 20 years experience (stated on lender page, 2026-10-09)
  3. 3

    Kim RayNMLS 1314698

    Churchill Mortgage · Ocean Shores, WA · licensed in 3 states

    • FHA loan
    • New construction
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 20 years experience (stated on lender page, 2026-10-09)
  4. 4

    Pamela ValadezNMLS 74006

    American Pacific Mortgage · Everett, WA

    • FHA loan
    • Jumbo loan
    • Manufactured home
    • Renovation loan (203k / HomeStyle)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 20 years experience (stated on lender page, 2026-10-09)
  5. 5

    Kevin HassanNMLS 674086

    American Pacific Mortgage · Everett, WA

    • FHA loan
    • Construction loan
    • Renovation loan (203k / HomeStyle)
    • USDA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 25 years experience (stated on lender page, 2026-10-09)
  6. 6

    Yuriana GarciaNMLS 979433

    JPMorgan Chase Bank (Chase Home Lending) · Federal Way, WA

    • FHA loan
    • First-time buyer
    • HELOC
    • Jumbo loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 16 years experience (stated on lender page, 2026-10-09)
  7. 7

    Kerwin LyonNMLS 275494

    Guild Mortgage · Seattle, WA

    • FHA loan
    • First-time buyer
    • Jumbo loan
    • USDA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 16 years experience (stated on lender page, 2026-10-09)
  8. 8

    Steve LawsonNMLS 69656

    LeaderOne Financial · Everett, WA

    • FHA loan
    • USDA loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 24 years experience (stated on lender page, 2026-10-09)
  9. 9

    Leanne TruongNMLS 1287957

    Churchill Mortgage · Renton, WA · licensed in 4 states

    • FHA loan
    • Down payment assistance
    • VA loan
    • Real estate investor
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 10 years experience (stated on lender page, 2026-10-09)
  10. 10

    Joe HattendorfNMLS 517664

    BECU · Everett, Lake Stevens, Monroe, Smokey Point, WA

    • FHA loan
    • Manufactured home
    • New construction
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 12 years experience (stated on lender page, 2026-10-09)
  11. 11

    Kristi RussellNMLS 1657650

    Churchill Mortgage · Kennewick, WA

    • FHA loan
    • VA loan
    • First-time buyer
    • Real estate investor
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 8 years experience (stated on lender page, 2026-10-09)
  12. 12

    Merrick MyersNMLS 46122

    Churchill Mortgage · Coeur d'Alene, ID · licensed in 4 states

    • FHA loan
    • First-time buyer
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 22 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  13. 13

    Whittney CurranNMLS 47254

    Guild Mortgage · Meridian, ID · licensed in 2 states

    • FHA loan
    • Real estate investor
    • VA loan
    • Down payment assistance
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 20 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  14. 14

    Charles FaustNMLS 130387

    Guild Mortgage · Portland, OR · licensed in 2 states

    • FHA loan
    • First-time buyer
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 20 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  15. 15

    Katie HammNMLS 185848

    Guild Mortgage · Portland, OR · licensed in 5 states

    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Real estate investor
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 20 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  16. 16

    Rachelle CoffeyNMLS 203664

    Homeowners Financial Group · Scottsdale, AZ · licensed in 10 states

    • FHA loan
    • Down payment assistance
    • First-time buyer
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 27 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  17. 17

    Bill ClarkNMLS 220837

    Fairway Independent Mortgage Corporation · Clackamas, OR · licensed in 2 states

    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • USDA loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 27 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  18. 18

    Katy CanalesNMLS 270783

    Churchill Mortgage · Salem, OR · licensed in 3 states

    • FHA loan
    • First-time buyer
    • Real estate investor
    • USDA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 29 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  19. 19

    Cherie SmithNMLS 570248

    Guild Mortgage · Redmond, OR · licensed in 9 states

    • FHA loan
    • First-time buyer
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 25 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  20. 20

    Bill GaylordNMLS 680603

    Guild Mortgage · Henderson, NV · licensed in 7 states

    • FHA loan
    • DSCR loan
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 33 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  21. 21

    Rose KriegerNMLS 1376145

    Churchill Mortgage · Spokane Valley, WA

    • FHA loan
    • First-time buyer
    • Real estate investor
    • Reverse mortgage
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 7 years experience (stated on lender page, 2026-10-09)
  22. 22

    Paula NirschlNMLS 383396

    Guild Mortgage · Vancouver, WA · licensed in 6 states

    • FHA loan
    • First-time buyer
    • Non-QM loan
    • Real estate investor
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 5 years licensed
  23. 23

    Eric Whitney HexumNMLS 1569697

    Guild Mortgage · Kennewick, WA · licensed in 3 states

    • FHA loan
    • Down payment assistance
    • DSCR loan
    • First-time buyer
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 5 years licensed
  24. 24

    Josiah ShelmanNMLS 1824996

    Guild Mortgage · Tumwater, WA · licensed in 4 states

    • FHA loan
    • Down payment assistance
    • First-time buyer
    • Self-employed
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 6 years experience (stated on lender page, 2026-10-09)
  25. 25

    Carol PopeNMLS 403897

    Empire Home Loans · Fair Oaks, CA

    • FHA loan
    • Down payment assistance
    • Jumbo loan
    • Manufactured home
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 25 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb

Before you choose

Lender overlays on credit score and debt-to-income differ, and property condition rules can complicate older homes.

  • What minimum credit score do you accept for FHA, with or without overlays?
  • How do you handle FHA appraisal repair requirements?
  • What will mortgage insurance cost over the life of the loan?

More about FHA loan

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in WA or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=fha&state=WA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.