🛡️
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 Mortgage Lenders in Spokane
Updated February 5, 2026
Market Overview
79
Total Lenders
6,337
Total Loans
0.23%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $793 | -0.643% | 45 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,355 | +0.073% | 575 | |
3 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $869 | +0.057% | 88 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $2,364 | -0.108% | 34 | |
5 | Global Federal Credit Union | Strong | Strong | Exceptional | Sound | $1,994 | +0.253% | 24 | |
6 | Boeing Employees Credit Union | Strong | Strong | Sound | Strong | $1,265 | +0.070% | 108 | |
7 | Bank of America, National Association | Strong | Strong | Strong | Sound | $3,507 | -0.157% | 22 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,360 | +0.180% | 402 | |
9 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,273 | +0.441% | 330 | |
10 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,653 | +0.381% | 199 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $4,807 | +0.345% | 195 | |
12 | Washington Trust Bank | Strong | Sound | Sound | Exceptional | $1,174 | +0.182% | 133 | |
13 | IDAHO CENTRAL CREDIT UNION | Strong | Sound | Strong | Strong | $1,993 | +0.190% | 121 | |
14 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $4,454 | +0.381% | 88 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,637 | +0.202% | 74 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,101 | +0.186% | 57 | |
17 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,740 | +0.265% | 57 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,708 | -0.075% | 49 | |
19 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $1,780 | +0.149% | 35 | |
20 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Exceptional | $4,275 | +0.242% | 369 | |
21 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $5,526 | +0.445% | 206 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,119 | +0.471% | 106 | |
23 | Banner Bank | Strong | Sound | Sound | Strong | $3,004 | +0.112% | 72 | |
24 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $3,462 | +0.225% | 27 | |
25 | Northpointe Bank | Strong | Sound | Strong | Sound | $3,623 | +0.253% | 22 | |
26 | SPOKANE TEACHERS | Strong | Acceptable | Sound | Exceptional | $3,383 | +0.346% | 264 | |
27 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $5,432 | +0.446% | 183 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,308 | +0.533% | 171 | |
29 | Glacier Bank | Strong | Acceptable | Sound | Exceptional | $4,170 | +0.196% | 171 | |
30 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Strong | $5,014 | +0.561% | 131 | |
31 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $4,850 | +0.088% | 68 | |
32 | GESA | Strong | Acceptable | Strong | Strong | $4,658 | +0.037% | 48 | |
33 | Umpqua Bank | Strong | Acceptable | Strong | Strong | $3,130 | +0.460% | 43 | |
34 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $3,841 | +0.316% | 39 | |
35 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | $4,133 | +0.195% | 34 | |
36 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $3,333 | -0.172% | 27 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $3,113 | +0.250% | 23 | |
38 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $4,567 | -0.758% | 21 | |
39 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $5,125 | +0.716% | 20 | |
40 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,544 | +0.488% | 51 | |
41 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,635 | +0.414% | 45 | |
42 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $3,686 | +0.412% | 40 | |
43 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $3,799 | +0.140% | 36 | |
44 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $4,090 | +0.115% | 35 | |
45 | Synergy One Lending, Inc. | Sound | Acceptable | Strong | Sound | $4,039 | +0.220% | 34 | |
46 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $3,048 | +0.110% | 33 | |
47 | LEADERONE FINANCIAL CORPORATION | Sound | Acceptable | Strong | Sound | $5,200 | +0.132% | 29 | |
48 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $3,093 | +0.190% | 25 | |
49 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Sound | Acceptable | Strong | Sound | $3,837 | +0.250% | 20 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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
Spokane
No credit impact
3-minute process
100% free