🛡️

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 Conventional Mortgage Lenders in Spokane

Updated February 5, 2026

Market Overview

Total Lenders

6,337

Total Loans

0.23%

Median Rate Spread

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

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

SpokaneConventional

No credit impact

3-minute process

100% free