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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 Conventional Mortgage Company Lenders in Spokane
Updated February 5, 2026
Market Overview
43
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $2,364 | -0.108% | 34 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,355 | +0.073% | 575 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,360 | +0.180% | 402 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,101 | +0.186% | 57 | |
5 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,273 | +0.441% | 330 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,653 | +0.381% | 199 | |
7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,807 | +0.345% | 195 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,708 | -0.075% | 49 | |
9 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $3,462 | +0.225% | 27 | |
10 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $3,113 | +0.250% | 23 | |
11 | SAMMAMISH MORTGAGE COMPANY | Strong | Strong | Strong | Sound | Sound | $1,021 | +0.051% | 14 | |
12 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $5,526 | +0.445% | 206 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,308 | +0.533% | 171 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,119 | +0.471% | 106 | |
15 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,454 | +0.381% | 88 | |
16 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,850 | +0.088% | 68 | |
17 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,740 | +0.265% | 57 | |
18 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,432 | +0.446% | 183 | |
19 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,544 | +0.488% | 51 | |
20 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,635 | +0.414% | 45 | |
21 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,686 | +0.412% | 40 | |
22 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $3,841 | +0.316% | 39 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,090 | +0.115% | 35 | |
24 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,133 | +0.195% | 34 | |
25 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,048 | +0.110% | 33 | |
26 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $5,200 | +0.132% | 29 | |
27 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,093 | +0.190% | 25 | |
28 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $4,567 | -0.758% | 21 | |
29 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,837 | +0.250% | 20 | |
30 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,125 | +0.716% | 20 | |
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 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $5,781 | +0.498% | 42 | |
35 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Sound | $4,039 | +0.220% | 34 | |
36 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Sound | $3,401 | +0.248% | 17 | |
37 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Sound | $4,577 | +0.538% | 14 | |
38 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,511 | +0.296% | 14 | |
39 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Sound | Mediocre | Exceptional | Strong | Sound | $4,713 | +0.586% | 38 | |
40 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Strong | Sound | Sound | $4,926 | +0.405% | 29 | |
41 | PREMIER LENDING, INC. | Sound | Mediocre | Sound | Strong | Strong | $4,992 | +0.290% | 40 | |
42 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Sound | $4,474 | +0.711% | 31 |
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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