Safe Rate Rankings

Best VA Mortgage Lenders in Spokane

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders79

Total Loans6,337

Median Rate Spread0.23%

Spokane Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked VA lender in Spokane, leading on pricing, pullthrough, VA product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Spokane, Nbkc Bank and Navy Federal Credit Union scores highest on VA pricing while Cornerstone Capital Bank SSB and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 in Spokane, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Spokane: Rocket Mortgage (#6) and Sunflower Bank National Association (#15).

Explore Rankings by Type

Overall Rankings

All lenders in Spokane

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Strong*	Exceptional	Exceptional	Exceptional	$3,355Fees	0.073%Above	575
2	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$4,273Fees	0.441%Above	330
3	CORNERSTONE CAPITAL BANK, SSB BankDirect	Strong	Strong	Exceptional	Exceptional	Strong	$5,014Fees	0.561%Above	131
4	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$4,454Fees	0.381%Above	88
5	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$793Fees	0.643%Below	45
6	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,360Fees	0.180%Above	402
7	NBKC BANK BankDirect	Strong	Exceptional	Exceptional	Strong	Sound	$608Fees	0.329%Below	17
8	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,807Fees	0.345%Above	195
9	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Strong	$4,119Fees	0.471%Above	106
10	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$869Fees	0.057%Above	88
11	IDAHO CENTRAL CREDIT UNION Credit UnionDirect	Strong	Strong	Strong	Strong	Strong	$1,993Fees	0.190%Above	121
12	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$1,740Fees	0.265%Above	57
13	Glacier Bank BankDirect	Strong	Sound	Strong	Strong	Exceptional	$4,170Fees	0.196%Above	171
14	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,101Fees	0.186%Above	57
15	Sunflower Bank, National Association BankDirect	Strong	Acceptable	Strong	Strong	Exceptional	$4,275Fees	0.242%Above	369
16	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,308Fees	0.533%Above	171
17	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$2,708Fees	0.075%Below	49
18	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,653Fees	0.381%Above	199
19	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Strong*	Exceptional	Strong	Sound	$3,048Fees	0.110%Above	33
20	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$3,799Fees	0.140%Above	36
21	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Sound	$1,511Fees	0.296%Above	14
22	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	—	—	96
23	Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$4,850Fees	0.088%Above	68
24	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,635Fees	0.414%Above	45
25	USAA Federal Savings Bank BankDirect	Strong	Strong	Exceptional	Sound	Sound	$3,333Fees	0.172%Below	27
26	CANOPY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,526Fees	0.445%Above	206
27	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,432Fees	0.446%Above	183
28	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$3,686Fees	0.412%Above	40
29	Boeing Employees Credit Union Credit UnionDirect	Strong	Strong	Strong	Sound	Strong	$1,265Fees	0.070%Above	108
30	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,462Fees	0.225%Above	27
31	PREMIER MORTGAGE RESOURCES, L.L.C. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$4,217Fees	0.321%Above	73
32	SUMMIT FUNDING, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$5,781Fees	0.498%Above	42
33	GoodLeap, LLC Independent Mortgage CompanyDirect	Sound	Sound	Strong	Sound	Sound	$4,567Fees	0.758%Below	21
34	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Exceptional	Sound	$5,125Fees	0.716%Above	20
35	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$4,090Fees	0.115%Above	35
36	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Strong	$4,544Fees	0.488%Above	51
37	Luminate Home Loans, Inc. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Strong	$5,891Fees	0.516%Above	82
38	LEADERONE FINANCIAL CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$5,200Fees	0.132%Above	29
39	SCENIC OAKS FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Strong	$4,133Fees	0.195%Above	34
40	NUMERICA CREDIT UNION Credit UnionDirect	Sound	Mediocre	Acceptable	Sound	Exceptional	$4,162Fees	0.285%Above	115
41	The Federal Savings Bank BankDirect	Sound	Mediocre	Exceptional	Sound	Sound	$5,791Fees	0.957%Above	17
42	PREMIER LENDING, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Sound	Strong	Strong	$4,992Fees	0.290%Above	40

❓ Frequently Asked Questions

How are mortgage lenders ranked in Spokane?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Spokane), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Spokane?+

Based on 2024 HMDA data, 79 lenders originated a combined 6,337 loans in Spokane. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Spokane?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Spokane is 0.23%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Spokane's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.