# Best Mortgage Lenders in Spokane

**As of:** 2026-06-03

Compare the top mortgage lenders in Spokane. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/spokane/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 79
- **Total Loans:** 6,337
- **Median Rate Spread:** 0.234%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 575 | Independent Mortgage Company |
| 2 | U.S. Bank National Association | 80 | 75 | 71 | 88 | Bank |
| 3 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 45 | Credit Union |
| 4 | Global Federal Credit Union | 78 | 70 | 84 | 24 | Credit Union |
| 5 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 402 | Independent Mortgage Company |
| 6 | CMG MORTGAGE, INC. | 74 | 33 | 81 | 330 | Independent Mortgage Company |
| 7 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 199 | Independent Mortgage Company |
| 8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 195 | Independent Mortgage Company |
| 9 | IDAHO CENTRAL CREDIT UNION | 73 | 51 | 78 | 121 | Credit Union |
| 10 | Boeing Employees Credit Union | 73 | 66 | 57 | 108 | Credit Union |
| 11 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 88 | Independent Mortgage Company |
| 12 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 74 | Bank |
| 13 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 57 | Independent Mortgage Company |
| 14 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 57 | Independent Mortgage Company |
| 15 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 49 | Independent Mortgage Company |
| 16 | Bank of America, National Association | 73 | 73 | 75 | 22 | Bank |
| 17 | Washington Trust Bank | 71 | 52 | 56 | 133 | Bank |
| 18 | PROVIDENT FUNDING ASSOCIATES, L.P. | 71 | 83 | 55 | 34 | Independent Mortgage Company |
| 19 | Sunflower Bank, National Association | 68 | 35 | 71 | 369 | Bank |
| 20 | CANOPY MORTGAGE, LLC | 68 | 21 | 70 | 206 | Independent Mortgage Company |
| 21 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 106 | Independent Mortgage Company |
| 22 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 35 | Bank |
| 23 | BAY EQUITY LLC | 66 | 43 | 65 | 27 | Independent Mortgage Company |
| 24 | Northpointe Bank | 66 | 47 | 62 | 22 | Bank |
| 25 | Banner Bank | 66 | 40 | 45 | 72 | Bank |
| 26 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 171 | Independent Mortgage Company |
| 27 | CORNERSTONE CAPITAL BANK, SSB | 63 | 23 | 79 | 131 | Bank |
| 28 | Mortgage Research Center, LLC | 63 | 34 | 70 | 96 | Independent Mortgage Company |
| 29 | Sierra Pacific Mortgage Company, Inc. | 63 | 32 | 80 | 68 | Independent Mortgage Company |
| 30 | GESA | 63 | 25 | 64 | 48 | Credit Union |
| 31 | Umpqua Bank | 63 | 29 | 65 | 43 | Bank |
| 32 | SCENIC OAKS FUNDING, LLC | 63 | 22 | 74 | 34 | Independent Mortgage Company |
| 33 | SPOKANE TEACHERS | 62 | 26 | 60 | 264 | Credit Union |
| 34 | Glacier Bank | 62 | 32 | 58 | 171 | Bank |
| 35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 62 | 26 | 87 | 39 | Independent Mortgage Company |
| 36 | T2 FINANCIAL LLC | 62 | 26 | 86 | 20 | Independent Mortgage Company |
| 37 | USAA Federal Savings Bank | 60 | 54 | 45 | 27 | Bank |
| 38 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 23 | Independent Mortgage Company |
| 39 | GoodLeap, LLC | 60 | 52 | 56 | 21 | Independent Mortgage Company |
| 40 | AMERICAN PACIFIC MORTGAGE CORPORATION | 58 | 14 | 84 | 183 | Independent Mortgage Company |
| 41 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 51 | Independent Mortgage Company |
| 42 | NEWREZ LLC | 58 | 35 | 59 | 45 | Independent Mortgage Company |
| 43 | Paramount Residential Mortgage Group, Inc. | 58 | 27 | 72 | 40 | Independent Mortgage Company |
| 44 | Flagstar Bank, N.A. | 58 | 40 | 76 | 36 | Bank |
| 45 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 35 | Independent Mortgage Company |
| 46 | Synergy One Lending, Inc. | 58 | 20 | 71 | 34 | Independent Mortgage Company |
| 47 | KIND LENDING, LLC | 58 | 39 | 73 | 33 | Independent Mortgage Company |
| 48 | LEADERONE FINANCIAL CORPORATION | 58 | 21 | 73 | 29 | Independent Mortgage Company |
| 49 | THE LOAN STORE, INC. | 58 | 40 | 77 | 25 | Independent Mortgage Company |
| 50 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 58 | 28 | 68 | 20 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Spokane.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.