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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 FHA 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,355 | +0.073% | 575 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,740 | +0.265% | 57 | |
3 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,708 | -0.075% | 49 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,360 | +0.180% | 402 | |
5 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,807 | +0.345% | 195 | |
6 | Glacier Bank | Strong | Sound | Strong | Strong | Exceptional | $4,170 | +0.196% | 171 | |
7 | Banner Bank | Strong | Strong | Strong | Sound | Strong | $3,004 | +0.112% | 72 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,101 | +0.186% | 57 | |
9 | WASHINGTON STATE EMPLOYEES CREDIT UNION | Strong | Strong | Strong | Sound | Strong | $1,824 | +0.342% | 32 | |
10 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $4,567 | -0.758% | 21 | |
11 | Sunflower Bank, National Association | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,275 | +0.242% | 369 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,273 | +0.441% | 330 | |
13 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,526 | +0.445% | 206 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,653 | +0.381% | 199 | |
15 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,014 | +0.561% | 131 | |
16 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,635 | +0.414% | 45 | |
17 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $3,799 | +0.140% | 36 | |
18 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,048 | +0.110% | 33 | |
19 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $3,623 | +0.253% | 22 | |
20 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,432 | +0.446% | 183 | |
21 | Washington Trust Bank | Strong | Sound | Sound | Sound | Exceptional | $1,174 | +0.182% | 133 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,119 | +0.471% | 106 | |
23 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,454 | +0.381% | 88 | |
24 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $5,125 | +0.716% | 20 | |
25 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,781 | +0.498% | 42 | |
26 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,686 | +0.412% | 40 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $3,841 | +0.316% | 39 | |
28 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,039 | +0.220% | 34 | |
29 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,837 | +0.250% | 20 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,308 | +0.533% | 171 | |
31 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $5,891 | +0.516% | 82 | |
32 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $4,217 | +0.321% | 73 | |
33 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,397 | +0.392% | 48 | |
34 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,713 | +0.586% | 38 | |
35 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,474 | +0.711% | 31 | |
36 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Sound | $4,926 | +0.405% | 29 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $3,113 | +0.250% | 23 | |
38 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,544 | +0.488% | 51 | |
39 | Willamette Valley Bank | Sound | Mediocre | Strong | Strong | Strong | $5,559 | +0.103% | 35 | |
40 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,090 | +0.115% | 35 | |
41 | LEADERONE FINANCIAL CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $5,200 | +0.132% | 29 | |
42 | NUMERICA CREDIT UNION | Sound | Mediocre | Sound | Sound | Exceptional | $4,162 | +0.285% | 115 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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