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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 Mortgage Company Lenders in Spokane
Updated February 5, 2026
Market Overview
39
Total Lenders
4,215
Total Loans
0.29%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,355 | +0.073% | 575 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $2,364 | -0.108% | 34 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,360 | +0.180% | 402 | |
4 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,273 | +0.441% | 330 | |
5 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,653 | +0.381% | 199 | |
6 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $4,807 | +0.345% | 195 | |
7 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $4,454 | +0.381% | 88 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,101 | +0.186% | 57 | |
9 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,740 | +0.265% | 57 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,708 | -0.075% | 49 | |
11 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $5,526 | +0.445% | 206 | |
12 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,119 | +0.471% | 106 | |
13 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $3,462 | +0.225% | 27 | |
14 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $5,432 | +0.446% | 183 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,308 | +0.533% | 171 | |
16 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $4,850 | +0.088% | 68 | |
17 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $3,841 | +0.316% | 39 | |
18 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | $4,133 | +0.195% | 34 | |
19 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $3,113 | +0.250% | 23 | |
20 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $4,567 | -0.758% | 21 | |
21 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $5,125 | +0.716% | 20 | |
22 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,544 | +0.488% | 51 | |
23 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,635 | +0.414% | 45 | |
24 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | $5,781 | +0.498% | 42 | |
25 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $3,686 | +0.412% | 40 | |
26 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $4,090 | +0.115% | 35 | |
27 | Synergy One Lending, Inc. | Sound | Acceptable | Strong | Sound | $4,039 | +0.220% | 34 | |
28 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $3,048 | +0.110% | 33 | |
29 | LEADERONE FINANCIAL CORPORATION | Sound | Acceptable | Strong | Sound | $5,200 | +0.132% | 29 | |
30 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $3,093 | +0.190% | 25 | |
31 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Sound | Acceptable | Strong | Sound | $3,837 | +0.250% | 20 | |
32 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | $5,891 | +0.516% | 82 | |
33 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Strong | Strong | $4,217 | +0.321% | 73 | |
34 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | $4,397 | +0.392% | 48 | |
35 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Sound | Mediocre | Exceptional | Sound | $4,713 | +0.586% | 38 | |
36 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | $4,474 | +0.711% | 31 | |
37 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Sound | $4,926 | +0.405% | 29 | |
38 | PREMIER LENDING, INC. | Sound | Mediocre | Sound | Strong | $4,992 | +0.290% | 40 |
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.
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