Safe Rate Rankings

Best Conventional Mortgage Lenders in Spokane

Updated June 3, 2026

⚖️ 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$793Fees	0.643%Below	45
2	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$869Fees	0.057%Above	88
3	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$2,364Fees	0.108%Below	34
4	Global Federal Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Sound	$1,994Fees	0.253%Above	24
5	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$3,507Fees	0.157%Below	22
6	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$608Fees	0.329%Below	17
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,355Fees	0.073%Above	575
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,360Fees	0.180%Above	402
9	Washington Trust BankBank	Strong	Strong	Sound	Sound	Exceptional	$1,174Fees	0.182%Above	133
10	IDAHO CENTRAL CREDIT UNIONCredit Union	Strong	Sound	Exceptional	Strong	Strong	$1,993Fees	0.190%Above	121
11	Boeing Employees Credit UnionCredit Union	Strong	Strong	Strong	Sound	Strong	$1,265Fees	0.070%Above	108
12	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,637Fees	0.202%Above	74
13	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,101Fees	0.186%Above	57
14	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,780Fees	0.149%Above	35
15	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,273Fees	0.441%Above	330
16	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,653Fees	0.381%Above	199
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,807Fees	0.345%Above	195
18	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,708Fees	0.075%Below	49
19	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,462Fees	0.225%Above	27
20	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$3,113Fees	0.250%Above	23
21	Northpointe BankBank	Strong	Sound	Exceptional	Strong	Sound	$3,623Fees	0.253%Above	22
22	SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,021Fees	0.051%Above	14
23	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Strong	Exceptional	$4,275Fees	0.242%Above	369
24	SPOKANE TEACHERSCredit Union	Strong	Acceptable	Strong	Strong	Exceptional	$3,383Fees	0.346%Above	264
25	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$5,526Fees	0.445%Above	206
26	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,308Fees	0.533%Above	171
27	Glacier BankBank	Strong	Acceptable	Exceptional	Sound	Exceptional	$4,170Fees	0.196%Above	171
28	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,119Fees	0.471%Above	106
29	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,454Fees	0.381%Above	88
30	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,850Fees	0.088%Above	68
31	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,740Fees	0.265%Above	57
32	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,432Fees	0.446%Above	183
33	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,544Fees	0.488%Above	51
34	GESACredit Union	Strong	Acceptable	Strong	Strong	Strong	$4,658Fees	0.037%Above	48
35	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,635Fees	0.414%Above	45
36	Umpqua BankBank	Strong	Acceptable	Strong	Strong	Strong	$3,130Fees	0.460%Above	43
37	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,686Fees	0.412%Above	40
38	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,841Fees	0.316%Above	39
39	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,799Fees	0.140%Above	36
40	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,090Fees	0.115%Above	35
41	SCENIC OAKS FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$4,133Fees	0.195%Above	34
42	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,048Fees	0.110%Above	33
43	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,200Fees	0.132%Above	29
44	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,093Fees	0.190%Above	25
45	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$4,567Fees	0.758%Below	21
46	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,125Fees	0.716%Above	20
47	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,837Fees	0.250%Above	20
48	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$4,517Fees	0.076%Below	16
49	Banner BankBank	Strong	Acceptable	Strong	Sound	Strong	$3,004Fees	0.112%Above	72
50	Synergy One Lending, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$4,039Fees	0.220%Above	34

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 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.